• 유통과학연구
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• 제20권6호
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• pp.43-56
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• 2022

Purpose: This study aims to investigate the impact of investing into technology development on banking performance in an emerging country. Research design, data and methodology: Based on the data of 12 commercial banks listed in Vietnam from 2011 to 2019 and performing multivariable regression analyses as well as conducting a variety of robustness tests, we carry out the empirical investigation to discover this impact. Results: Our empirical evidence shows that these spending help to improve significantly performance of banks. Particularly, the technology expenditures have positive effect on the net interest margin and the non-interest income in which the level of influence on the latter is relatively remarkable in comparison with the former. At the same time, the result does not support the view that increasingly spending on technology may lead banks to face the risk of instability. Conclusions: Overall, our empirical analysis indicates that increasing investment into distribution information and communication technologies will help to enhance business strategies of banks and thus we advocate the bright side of technology development and digitalization in banking sector. We believe that the research is useful for both managers, regulators and policy makers in Vietnam as well as in countries having similar financial structure.

• 한국수자원학회논문집
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• 제46권2호
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• pp.155-169
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• 2013

본 연구에서는 유역 집중시간과 저류상수의 이론적 배경을 바탕으로 적절한 경험식의 형태를 제시하고 기존의 경험식의 형태와 비교 평가하였다. 추가로, 제시된 경험식의 형태를 이용하여 충주댐 유역의 집중시간 및 저류상수의 경험식을 유도하고, 유도된 경험식과 기존의 경험식들을 비교하였다. 그 결과를 정리하면 다음과 같다. (1) 유역의 집중시간에 대한 경험공식의 형태는 유로연장의 제곱에 비례하고 유로경사에 반비례하는 형태로 나타난다. (2) 저류상수는 집중시간에 비례하는 형태로 나타난다. (3) 기존 매개변수에 관한 경험식을 검토한 결과, 집중시간의 경우에는 Kirpich 공식, Kraven (I) 공식, Kraven (II) 공식, California DoT 공식, Kerby 공식, SCS 공식 및 Morgali and Linsley 공식 등이 이러한 이론적 배경을 잘 따르고 있는 것으로 나타난다. 저류상수의 경우, Clark 공식, Russell 공식, Sabol 공식 및 정성원 공식 등이 본 저류상수와 집중시간의 비례관계를 매우 잘 만족하는 것으로 나타난다. (4) 기존의 경험식을 충주댐 유역에 적용한 결과, 집중시간의 경험식 중 정성원 공식, 윤태훈 등 공식, Kraven (I) 공식 및 Kraven (II) 공식은 추정한 집중시간과 비교적 유사한 결과를 보였으나, Rziha 공식은 비정상적인 결과를 나타내는 것으로 나타났다. 저류상수의 경우에는 윤석영과 홍일표 공식, 정성원 공식, 이정식 등 공식 및 윤태훈 등 공식이 어느 정도 합리적인 결과를 보인 반면, Sabol 공식의 경우에는 비정상적인 결과가 유도되었다. 결론적으로 국내의 집중시간 및 저류상수에 대한 경험공식이 국내 유역의 특성을 잘 반영하는 것으로 나타났다.

• 한국정보시스템학회:학술대회논문집
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• 한국정보시스템학회 2000년도 춘계학술대회
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• pp.185-193
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• 2000

• 한국수자원학회:학술대회논문집
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• 한국수자원학회 2005년도 학술발표회(1)
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• pp.815-816
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• 2005

• 한국경영과학회지
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• 제9권2호
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• pp.34-45
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• 1984

The aim of this study is to investigate efficiency of foreign exchange markets for 8 currencies for the floating rate regime 1974～1982 by comparison of various foreign exchange rate forecasting models’performances. The author presents evidences showing that efficient market hypothesis was not supported.

• Earthquakes and Structures
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• 제22권6호
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• pp.609-623
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• 2022

To study the empirical seismic fragility of a reinforced concrete girder bridge, based on the theory of numerical analysis and probability modelling, a regression fragility method of a rapid fragility prediction model (Gaussian first-order regression probability model) considering empirical seismic damage is proposed. A total of 1,069 reinforced concrete girder bridges of 22 highways were used to verify the model, and the vulnerability function, plane, surface and curve model of reinforced concrete girder bridges (simple supported girder bridges and continuous girder bridges) considering the number of samples in multiple intensity regions were established. The new empirical seismic damage probability matrix and curve models of observation frequency and damage exceeding probability are developed in multiple intensity regions. A comparative vulnerability analysis between simple supported girder bridges and continuous girder bridges is provided. Depending on the theory of the regional mean seismic damage index matrix model, the empirical seismic damage prediction probability matrix is embedded in the multidimensional mean seismic damage index matrix model, and the regional rapid prediction matrix and curve of reinforced concrete girder bridges, simple supported girder bridges and continuous girder bridges in multiple intensity regions based on mean seismic damage index parameters are developed. The established multidimensional group bridge vulnerability model can be used to quantify and predict the fragility of bridges in multiple intensity regions and the fragility assessment of regional group reinforced concrete girder bridges in the future.

• 한국실내디자인학회논문집
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• 제16호
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• pp.3-9
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• 1998

The purpose of this research is to empirically validate the IIPS (Interior Image Preference Scale) which is a newly developed visual instrument for evaluating the environmental disposition inherent to individuals especially one's interior image preferences. The questionnaire survey was used. The data were collected from Oct. 10th 1997 to Nov. 14th 1997. The subjects were 399 undergraduate students and 30 professor of Dep. of Interior Design. With respect to content validity and construct validity of IIPS discrimination and similarity structure of scales and characteristics of 12 prototype interior images were examined in comparison with the originals. 429 questionnaires were analyzed using frequency percentage mean and Multi-Dimensional Scales. The major results were as follows (1) All 80 items of IIPS were discriminated by 3 criteria such as Traditionalism·Modernity(TM) Masculinity·Femininty (MF) and Simplicity·Complexity (SC) as expected at the time of the instrument development stage.(2) 12 prototype interior images of the IIPS showed tendency to be accord with descriptors to express them in comparison with the originals (3) All 90 items of IIPS showed a cluster distribution according to the similarity structure of scales. Three subscales of IIPS(e . g. TM MF and SC) were structured pretty well by those 3 dimensions. This research revealed the IIPS to have content validity and construct validity for evaluating of preference of three properties of interior image in empirical research. The IIPS was found to be potential objective tool to measure the interior image preferences.

• International Journal of Advanced Culture Technology
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• 제8권1호
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• pp.56-61
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• 2020

Customer satisfaction in retail stores are considerably affected by checkout services. Self-checkout counters have been installed in order to reduce waiting times at checkout in retail stores. However, it is uncertain whether the self-checkout lanes actually decrease the average waiting time of customers. Rather, there are some problems associated with self-checkout lanes such as theft or service failure due to technological problems. This study analyzes comparison between self-checkout and regular staffed-checkout lanes, based on the dataset collected from a retail store in Poland. As a result, we observe that the average transaction times were longer at the self-checkout lanes though fewer products were purchased than at the staffed-checkout lanes. In addition, the customers who buy more products tend to use self-checkouts less frequently. We also check that transaction times are proportional to the number of products customers purchase, and that both the time to scan one item and the fixed time related to checkout are significantly longer at the self-checkout counters. As there has been very few research on the effectiveness of self-checkouts, this study can be the first step to investigate managerial insights on checkout services in retail stores.

• Ocean Science Journal
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• 제42권4호
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• pp.199-209
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• 2007

Empirical band-ratio algorithms and artificial neural network techniques to retrieve sea surface chlorophyll concentrations were evaluated in the Bohai Sea of China by using an extensive field observation data set. Bohai Sea represents an example of optically complex case II waters with high concentrations of colored dissolved organic mattei (CDOM). The data set includes coincident measurements of radiometric quantities and chlorophyll a concentration (Chl), which were taken on 8 cruises between 2003 and 2005, The data covers a range of variability in Chl in surface waters from 0.3 to 6.5 mg $m^{-3}$. The comparison results showed that these empirical algorithms developed for case I and case II waters can not be applied directly to the Bohai Sea of china, because of significant biases. For example, the mean normalized bias (MNB) for OC4V4 product was 1.85 and the root mean square (RMS) error is 2.26.

• 한국병원경영학회지
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• 제13권4호
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• pp.76-100
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• 2008

The purpose of this research is to identify causalities among service quality, service value, customer satisfaction and customer loyalty and to compare the causalities between in-patients and out-patients. A multi-group structural equation model was used to test the hypothesis of conceptual model. Empirical results indicate that two factors such as assurance and empathy have direct impact on service value and customer satisfaction in both the patients. In the results of multi-group comparison test, however, the path coefficients from service value to customer loyalty and from customer satisfaction to customer loyalty were different across the two groups. In out-patients, customer loyalty is more positively related with service value. In in-patients, customer loyalty is more positively related with customer satisfaction. It is proven that service quality influences customer loyalty. Therefore To compete successfully in today's volatile & competitive medical markets, the hospital needs to manage the service quality, considering the type of patients.