• Journal of Distribution Science
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• v.20 no.9
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• pp.23-28
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• 2022

Purpose: Research on banking sustainability plays an important role in helping banks understand the level of risk in different types of companies. Therefore, this study was conducted to determine the factors affecting the sustainability of Joint Stock Commercia l Banks in Vietnam. Research design, data and methodology: The following theories, the factors affecting the bank's sustainability include: Business model diversification (income diversification), bank size, loan ratio, and net interest margin. Data was collected from Joint Stock Commercial banks in Vietnam from 2015 to 2019. With GLS model on panel data with banks listed on Vietnam stock exchange. Results: The analysis results show that net interest income has a positive impact on the sustainable business results of banks through the rate of return on total assets (ROA). The non-interest income hasn't impact on bank stability. From this result, there aren't positive signs of income diversification in banks. At the same time, with the obtained results, the study also provides a policy implication for banks. Conclusions: The study also provides some policy implications to improve the bank stability. Diversifying income in banks is necessary, but how to make it influential banks has not yet been done. Therefore, the adjustments in non-interest business activities need to be carefully considered by banks.

• Asia-Pacific Journal of Business
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• v.13 no.4
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• pp.91-107
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• 2022

Purpose - This study quantitatively examines the level of financial inclusion of a microfinance institution in each region and how this is changing recently, and examines the level of financial inclusion by region and various financial characteristic factors related to it. It was empirically verified what kind of significant impact actually has on the institution's major management performance indicators (stability, profitability, efficiency, and public interest). Design/methodology/approach - It was confirmed that the institution's financial inclusion index declined rapidly after 2015 as a whole, although there were some differences by region depending on regional characteristics. However, considering the fact that the number of branches per 100,000 adult population is steadily increasing nationwide, it was found that, contrary to what is known, the simple decrease in the number of branches of the institution was not the main cause. Findings - The analysis results of this study show that the institution's efforts for financial inclusion have a positive impact on profitability, stability, efficiency, and public interest, and that the institution pursues profitability, efficiency, stability, and public interest. showed that some trade-offs exist. In other words, overall, it was analyzed that profitability of the institution has a positive effect on efficiency, and efficiency has a positive effect on stability and public interest. Research implications or Originality - Since the institution's efforts to improve its profitability do not have a negative impact on its stability and public interest, it is judged that it is important to take a strategic stance, so excessive loan supply that exceeds the scope of the institution's own control needs to be avoided as much as possible. More detailed financial supply strategies and business management capabilities that enhance the asset soundness and management efficiency of safes need to be demonstrated.

• Journal of Information Processing Systems
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• v.19 no.1
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• pp.55-66
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• 2023

Community portraits can deeply explore the characteristics of community structures and describe the personalized knowledge needs of community users, which is of great practical significance for improving community recommendation services, as well as the accuracy of resource push. The current community portraits generally have the problems of weak perception of interest characteristics and low degree of integration of topic information. To resolve this problem, the reader community portrait method based on the thematic and timeliness characteristics of interest labels (UIT) is proposed. First, community opinion leaders are identified based on multi-feature calculations, and then the topic features of their texts are identified based on the LDA topic model. On this basis, a semantic mapping including "reader community-opinion leader-text content" was established. Second, the readers' interest similarity of the labels was dynamically updated, and two kinds of tag parameters were integrated, namely, the intensity of interest labels and the stability of interest labels. Finally, the similarity distance between the opinion leader and the topic of interest was calculated to obtain the dynamic interest set of the opinion leaders. Experimental analysis was conducted on real data from the Douban reading community. The experimental results show that the UIT has the highest average F value (0.551) compared to the state-of-the-art approaches, which indicates that the UIT has better performance in the smooth time dimension.

• Journal of the Korean Society of Safety
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• v.19 no.2
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• pp.88-92
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• 2004

The paper decribes a procedure for the evaluation of the effect of seepage force on stability of slopes. The stability of an embankment impounding a water reservoir is highly depend upon the location of seepage line with the embankment. To evaluate the accurate safety factor of an embankment, it is important to illustrate the seepage phenomenon. Of particular interest is the stability following a rapid change of reservoir level. Seepage forces in embankments are easily determined interest is the stability following a rapid change of resrvoir level. Seepage forces in embankments are easily detemined if frictional forces are expressed in relation to hydraulic gradient I. If a piezometer is inserted into a body of embankment, the level to which fee water rises is a measure of the energy at that point.

• Earthquakes and Structures
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• v.11 no.2
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• pp.297-313
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• 2016

A virtual parameter is introduced into the formulation of the previously published integration method to improve its stability properties. It seems that the numerical properties of this integration method are almost unaffected by this parameter except for the stability property. As a result, it can have second order accuracy, explicit formulation and controllable numerical dissipation in addition to the enhanced stability property. In fact, it can have unconditional stability for the system with the instantaneous degree of nonlinearity less than or equal to the specified value of the virtual parameter for the modes of interest for each time step.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.21 no.48
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• pp.133-144
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• 1998

International capital movement has made progress at global liberalization of finance and foreign exchange, international monetary norm changing into floating exchange rate system, easiness of collection of information and trade at improvement of information communication technology from early of 1970's. Results of empirical test for relation between foreign exchange rate or various determination factors of foreign exchange rate and interest rate are followed by next sentences. First, according to relation between foreign exchange rate and interest rate, correlation for each of variables after OECD entrance is increased. But, long-term & short-term interest rate is affected by Hanbo & Kia's bankruptcy, continuous large scale corporates bankruptcy and crisis of foreign exchange. Therefore, financial instability is occured. If portfolio investment fund has been inflow as it is mollified by continuous shortage of foreign exchange and fall of country's credit rating, it is expected to have positive effect for long-term & short-term interest rate from appreciation of won against dollar. Second, results from relation between determination factor of foreign exchange rate and interest rate are followed by next sentences. If surplus of current account and goods account is continued, yield of corporate bond is to be stable. But, margin of surplus is expected to diminish after second quarter 98, and difference between external and domestic interest (after adjusting foreign exchange rate) is to be diminished. And if net inflows of foreign investor's fund (stock and bond) is diminished, it is to have negative effect for yield of corporate bond. According to foreign investor's investment movement of previous years, hedge fund were stayed at least during two years in Mexico. It means that sudden capital outflow is not to be happened at Korea. But if external factors from depreciation of yen and China's renminbi are instable, interest rate is expected to increase from capital's outflows. Third, if it is to decrease instability of foreign exchange rate from increase in surplus of future current account, credit rating's upwardness, stability of yen and renminbi, foreign exchange rate is expected to be stable. It is expected to have continuous stability from short-term interest rate to long-term interest rate in this empirical test.

• Proceedings of the Safety Management and Science Conference
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• 2002.11a
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• pp.305-319
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• 2002

International capital movement has made progress at global liberalization of finance and foreign exchange, international monetary norm changing into floating exchange rate system, easiness of collection of information and trade at improvement of information communication technology from early of 1970's. Results of empirical test for relation between foreign exchange rate or various determination factors of foreign exchange rate and interest rate are followed by next sentences. First, according to relation between foreign exchange rate and interest rate, correlation for each of variables after OECD entrance is increased. But, long-term ＆short-term interest rate is affected by Hanbo ＆ Kia's bankruptcy, continuous large scale coporates bankruptcy and crisis of foreign exchange. Therefore, financial instability is occured. If portfolio investment fund has been inflow as it is mollified by continuous shortage of foreign exchange and fall of country's credit rating, it is expected to have positive effect for long-term & short-term interest rate from appreciation of won against dollar. Second, results from relation between determination factor of foreign exchange rate and interest rate are followed by next sentences. If surplus of current account and goods account is continued, yield of corporate bond is to be stable. But, margin of surplus is expected to diminish after second quarter 98, and difference between external and domestic interest (after adjusting foreign exchange rate) is to be diminished. And if net inflows of foreign investor's fund (stock and bond) is diminished, it is to have negative effect for yield of corporate bond. According to foreign investor's investment movement of previous years, hedge md were stayed at least during two years in Mexico. It means that sudden capital outflow is not to be happened at Korea. But if external factors from depreciation of yen and China's renminbi are instable, interest rate is expected to increase from capital's outflows. Third, if it is to decrease instability of foreign exchange rate from increase in surplus of future current account, credit rating's upwardness, stability of yen and renminbi, foreign exchange rate is expected to be stable. It is expected to have continuous stability from short-term interest rate to long-term interest rate in this empirical test.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.11
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• pp.223-234
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• 2021

This study aims to examine whether operating cash flows influence banks' financial stability in Pakistan. The study employed annual panel data collected from annual reports of 20 commercial banks listed on the Pakistan Stock Exchange for the year 2011 to 2019. Free cash flow yield was taken as the dependent variable while cash flow ratio was selected as the independent variable, and net interest margin, income diversification, asset quality, financial leverage, the cost to income ratio, advance net of provisions to total assets ratio, capital ratio, financial performance, breakup value per share and bank size were taken as control variables. The study performed ordinary least square technique, random and fixed effects models, Hausman test, Lagrange multiplier test, descriptive and correlation analysis. Results showed that operating cash flows and net interest margin significantly and positively influenced banks' financial stability while the cost to income ratio and advances net of provisions to total assets ratio significantly and negatively associated with banks' financial stability. To improve financial stability, banks should become more cost-effective and enhance their liquidity levels by lowering lending activities. In the future, it would be useful to compare commercial and investment banks, also Islamic and conventional banks in the same research setting.

• ETRI Journal
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• v.34 no.6
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• pp.966-969
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• 2012

From a practical viewpoint, the topic of electrical stability in oxide thin-film transistors (TFTs) has attracted strong interest from researchers. Positive bias stress and constant current stress tests on indium-gallium-zinc-oxide (IGZO)-TFTs have revealed that an IGZO-TFT with a larger Ga portion has stronger stability, which is closely related with the strong binding of O atoms, as determined from an X-ray photoelectron spectroscopy analysis.

• 제어로봇시스템학회:학술대회논문집
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• 2003.10a
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• pp.2471-2474
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• 2003

This paper focuses on the stability and operability of a man-machine system considering a human operator. Some papers' main interest has been the stability only, but the operability such as fatigue is also the other main interest. In a man-machine system, feelings such as motional, visual, and kinesthetic are important since those enable operators to work easily or fatigue operators. A model of a man-machine system has been developed. Motional, visual, and kinesthetic feelings may be considered as feedbacked sensor signals. We also have quantified the degree of fatigue with respect to reference operation. This is a performance index to be optimized. Several methods are presented to optimize the degree of fatigue and the stability of the integrated system. Examples are presented to show that the usefulness of the proposed modeling method and fatigue mitigating algorithm.