• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.109-115
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• 2021

This study aims to examine the effect of Operating Costs and Income, Loan to Deposit Ratio on the Return on Asset (ROA) of Public-Private Foreign Exchange Banks listed on the Indonesia Stock Exchange (IDX) during the 2015-2018 period. This study is a quantitative study using financial reports of Public-Private Foreign Exchange Banks listed on the IDX as a data source. This study's population is 25 Public-Private Foreign Exchange Banks listed on the IDX. This study uses purposive sampling to determine the sample to produce 21 banking companies. Data was analyzed using multiple linear regression methods and descriptive statistics. The F Test calculation results state that all the variables of free operating expenses, operating income, and the loan to deposit ratio simultaneously and significantly affect the return on assets (ROA) variable in Public-Private Foreign Exchange Banks listed on the IDX. This study's results indicate that simultaneously Operational Costs, Operational Income, and Loan to Deposit Ratio have a significant effect on ROA. Operational Costs and Operational Income have a significant negative impact on Return on Assets. The third hypothesis shows that the Loan to Deposit Ratio has a positive and insignificant effect on Return on Assets.

• 사회경제평론
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• 제31권2호
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• pp.71-104
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• 2018

본 연구의 목적은 포스트케인지언 내생화폐론을 통해 지역 예대율의 의미와 지방은행의 의의를 밝히는 데 있다. 포스트케인지언 내생화폐론에 따르면 은행은 자금중개기관이 아닌 대출을 통해 예금화폐를 창출하는 신용창조기관이다. 한편 은행을 자금중개기관으로 해석하는 기존 시각을 따르면 지역의 예금은행 예대율이 높을수록 예금은행에 의한 예금유입을 기반으로 대출활동이 활발하게 일어나는 것으로 해석되었다. 하지만 내생화폐론을 따르면 지역 예대율은 지역수지의 변화를 보여주는 지표로 재해석된다. 특히 지역의 높은 예대율은 지역 내에서 대출을 통해 창출된 예금이 유출되어서 지역 내 자금순환이 위축되었다는 의미로 재해석된다. 나아가 지방은행이 지니는 지역밀착형 금융관행과 신용창조 능력 그리고 실물에 미치는 영향력을 종합적으로 고려할 때 지방은행 재설립 정책을 지역균형발전의 견지에서 긍정적으로 검토할 필요가 있다.

• 한국지반공학회논문집
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• 제16권1호
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• pp.167-178
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• 2000

준설매립 공사시 자중압밀침하량 및 체적변화비 예측을 위해 사용되는 Yano 방법의 단점을 보완하고실제 준설매립 공사시 준설토가 연속적으로 투기되며 퇴적고의 상승이 토층의 증가와 침강 및 자중압밀에 의한 체적감소의 결과로 표현되어지는 것을 고려한 단계투기법에 의한 새로운 해석기법에 대한 시험적 연구를 수행하였다. 단계투기시험에 의해 투기속도와 퇴적고 상승속도의 관계를 측정하여 현장 매립계획고에 소요되는 현장투기 완료일수를 산정하였고 그때 소요되는 전체 투기높이 그리고 이에 해당하는 실질토량고를 산정하여 이를 바탕으로 현장투기완료 후 자중압밀 침하량 및 체적변화비,함수비, 간극비의 변화를 예측하였고, 전체투기 시험을 통한 Yano법에 의한 산정결과와 비교 분석하였다. 자중압밀 침하량의 경우 약 29.8%, 체적비의 경우 31.1%, 공극비 및 함수비가 약 40%정도 전체투기에 의한 Yano 법이 단계투기법에 의한 결과보다 작게 평가되었다.

• Geomechanics and Engineering
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• 제34권4호
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• pp.397-408
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• 2023

Pipe pile walls are commonly used as retaining structures for excavation projects, particularly in densely populated coastal cities such as Hong Kong. Pipe pile walls are preferred in reclaimed land due to their cost-effectiveness and convenience for installation. However, the pre-bored piling techniques used to install pipe piles can cause significant ground disturbance, posing risks to nearby sensitive structures. This study reports a well-documented case history in a reclamation site, and it was found that pipe piling could induce ground settlement of up to 100 mm. Statutory design submissions in Hong Kong typically specify a ground settlement alarm level of 10 mm, which is significantly lower than the actual settlement observed in this study. In addition, lateral soil movement of approximately 70 mm was detected in the marine deposit. The lateral soil displacement in the marine deposit was found to be up to 3.4 and 3.1 times that of sand fill and CDG, respectively, mainly due to the relatively low stiffness of the marine deposit. Based on the monitoring data and site-investigation data, a 3D numerical analysis was established to back-analyze soil movements due to the installation of the pipe pile wall. The comparison between measured and computed results indicates that the equivalent ground loss ratio is 20%, 40%, and 20% for the fill, marine deposit and CDG, respectively. The maximum ground settlement increases with an increase in the ground loss ratio of the marine deposit, whereas the associated influence radius remains stationary at 1.2 times the pipe pile wall depth (H). The maximum ground settlement increases rapidly when the thickness of marine deposit is less than 0.32H, particularly for the ground loss ratio of larger than 40%. This study provides new insights into the pipe piling construction in reclamation sites.

• 한국안전학회지
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• 제15권4호
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• pp.123-126
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• 2000

This study shows consolidation properties resulted from the experiment made on changes by load increment ratio and consolidation duration of standard consolidation test using deposit soil of Chungju Dam. Though the comparison and analysis of the result turned out that void ratio by load increment ratio was unchanged greatly, the result was inclined as followes : the smaller load increment ratio is, the bigger void ratio is, while the bigger load increment ratio is the bigger settlement is. Also coefficient of consolidation is increased in inverse ratio to load increment ratio. Coefficient of permeability is increased in proportion to load increment ratio, it is not fixed changes by consolidation duration, however. Degree of consolidation is increased to load increment ratio.

• 지역연구
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• 제14권1호
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• pp.65-90
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• 1998

Time series data on the size of Chonsei deposit has been estimated. At the end of 1997, that size has been estimated as 112 trillion Korean Won. If the Chonsei system can be moved toward the monthly rental system, it is highly probable to achieve the Pareto imporvement whether there are uncertainties or not. The new system named as the Chonsei system without the Chonsei deposite has been suggested, which can be readily to be introduced. Under this system, the owner can sustain opportunitities of using Chonsei deposit, renters can rent houses whithout the Chonsei deposity and financial intermediaries can secure safe sources of loans, which will increase BIS capital ratio of banks.

• The Journal of Asian Finance, Economics and Business
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• 제6권3호
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• pp.55-65
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• 2019

The purpose of this study is to discover the interaction between credit growth and operational self-sustainability and to examine factors that affect credit growth and operational self-sustainability of people's credit funds (PCFs). Credit growth and operational self-sustainability are factors affecting the operations and the goals of people's credit funds (PCFs) in the Mekong Delta region of Vietnam. After regression analysis on a set of panel data from 2013 to 2018 of 24 PCFs, it appears that deposit growth and loan-to-deposit ratio have positive relationships with credit growth, while capital adequacy ratio and operational self-sustainability have negative relationships with credit growth of PCFs; capital adequacy ratio, deposit growth and income have positive relationships with operational self-sustainability, while credit growth and non-performing loan ratio have negative relationships with the operational self-sustainability of PCFs. At the same time, credit growth and operational self-sustainability have a relationship to interact with each other in a contrary trend. The results of this research are accurate according to the characteristics and development history of PCFs in the Mekong Delta region of Vietnam from 2013-2018. This study helps researchers and managers to understand the key determinants for better management of PCFs.

• Journal of Advanced Marine Engineering and Technology
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• 제28권6호
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• pp.1000-1009
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• 2004

The environment friendly calcareous deposit films were formed on steel plates by electrodeposition technique in natural seawater and synthetic solutions such as dissolved $\textrm{Mg}^{2+}$ and $\textrm{Ca}^{2+}$ ions at various potential conditions. The influence of potential conditions on composition ratio, structure and morphology of the electrodeposited films were investigated by scanning electron microscopy(SEM), energy dispersive spectroscopy(EDS) and X-ray diffractor (XRD). Accordingly, this study was provided a better understanding of the composition between the growth of $\textrm{Mg(OH)}_2$ and that of $\textrm{CaCO}_3$ during the formation of calcareous deposit films on steel substrate under cathodically electrodeposition in synthetic and natural seawater. The results showed that the formation of good overall calcareous deposited film in seawater can be achieved by controlling the Ca/Mg ratio according to interfacial pH with the effective use of the electro deposition technique.

• 한국지반환경공학회 논문집
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• 제11권7호
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• pp.5-14
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• 2010

모래다짐말뚝(Sand Compaction Pile, 이하 SCP)으로 개량된 연약점토지반의 침하량 해석시, 근사법을 이용한 해석에서 응력분담비의 불확실성에 의해 발생되는 영향을 줄이고자, 유한요소해석 프로그램을 이용한 수치해석을 수행하였다. 모래다짐말뚝이 타설된 실내 모형압밀실험을 수행하였고, 이를 유한요소 프로그램으로 수치해석을 하였다. 실내실험과 같은 침하량을 도출하기 위해 역해석을 통한 혼합지반의 압축지수($C_c$)를 추정하고, 추세선을 활용하여 설계압축지수를 산정하는 식을 제시하였다. 또한, 이식을 치환율 45%인 현장에 적용하여 현장 적용성을 검증하였다.

• 한국지반공학회논문집
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• 제18권4호
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• pp.167-177
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• 2002

표준관입시험 시 항타로 인해 시추봉 두부에서 발생하는 응력파가 시추봉 선단과 접해 있는 지반에서 반사되어 돌아오는 동적신호를 분석함으로써, 시추봉 선단부에 인접한 지반의 임피던스(강성)에 관해 보다 상세한 정보를 얻고자 하는 시험방법이 시도되고 있다. 이 시험법의 실규모 시험에 선행하여 본 논문에서는 시추봉-지반시스템에 대한 동적유한요소해석을 통해 동적신호를 얻고, 이들 신호를 분석하여 추정한 지반의 임피던스와 탄성계수의 신뢰도를 평가함으로써 시험법의 적용성을 검토하고자 하였다. 또한 반사파의 특성에 영향을 미칠 수 있는 인자들에 대한 평가를 통해서 실규모 시험을 위한 참고자료를 제공하고자 하였다. 이러한 연구 결과, 시추봉과 지반의 접촉면에서 입사, 반사되는 파동의 진폭비($F_반F_입$)에 가장 심각하게 영향을 미치는 인자는 시추봉 선단과 접촉한 지반강성의 변화임을 알았으며, 이들 파동의 진폭비의 변화는 시추봉과 지반 간의 임피던스 비($\alpha$)의 변화와 밀접한 관련이 있는 것으로 나타났다. 이러한 결과로부터 SPT 동적신호를 분석하여 시추봉 선단과 직접 닿아 있는 지반에 대한 임피던스와 변형 계수를 추정하는 시험법의 적용 가능성이 있다는 결론을 얻었다.