• 국제지역연구
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• 제15권1호
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• pp.341-365
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• 2011

지난 10여 년간은 한국과 중국 은행들에게는 한마디로 금융구조변혁의 기간이었다고 할 수 있다. 양국이 처한 상황은 다르지만 2000년부터 2008년간을 대상으로 3년씩 세기간으로 나누고 분석방법은 자료포락법(DEA)을 활용하였다. 한국의 시중은행과 지방은행, 중국의 대표적인 국유상업은행과 주식제상업은행을 대상으로, 네 개 집단별 은행 효율성 비교를 한 후 세 개의 비교기간별 효율성의 변화 및 개별 집단별 효율성의 차이 등을 알아보았다. 전체 기간을 대상으로 양국 은행의 효율성을 측정해 본 결과, 한국과 중국 모두 꾸준히 상승하였는데, 이는 금융구조변혁기에 구조조정이나 합병이 은행의 효율성에 긍정적인 요인으로 작용하였다고 판단된다. 분석결과 한국의 은행들이 중국의 은행들보다 효율성이 높은 것으로 나타났다. 한국과 중국의 은행 집단별 효율성의 차이 비교결과 한국은 시중은행이 지방은행에 비해 효율성이 높았으며, 중국은 주식제상업은행이 국유상업은행보다 높았다. 한국의 경우 시중은행이 지방은행보다 규모 및 범위의 경제효과로 인하여 상대적 효율성이 높아진 것으로 판단되며, 중국은 주식제상업은행들이 국유상업은행보다 효율성이 높게 나타난 것은 중국정부의 정책에 단순 부응하기보다 경제적 판단에 따라 독자적인 인사관리나 지점의 설치 및 폐지에 대한 유연성을 갖고 경영에 임한데 기인한다고 본다.

• 무역학회지
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• 제46권5호
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• pp.173-194
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• 2021

This study aims to derive precaution points for issuing banks in refusing payment under L/C through literature review and examination of court cases and official opinions of ICC Banking Commission with regard to the provisions of article 16 of UCP 600 that stipulates obligations of issuing banks in refusing payment. If the issuing bank fails to act in accordance with this article, it shall be precluded from claiming that the documents do not constitute a complying presentation. Therefore, it is crucial that issuing banks should be well informed of this article. When discrepant documents are presented, however, issuing banks seldom refuse payment because, in most cases, the applicants waive the discrepancies. For this reason, issuing banks have few chances to deal with payment refusal in practice and thus they occasionally end up failing to observe the provisions of the article. Such court cases include Kookmin Bank and Korean Exchange Bank (currently Hana Bank) that failed to indicate discrepancies in the refusal notice losing the lawsuits. It should be noted that if issuing banks disregard the provisions of article 16 of UCP 600 and thus fail to indicate discrepancies in the refusal notice, they may face fatal situations in which they must make payment against discrepant documents.

• 디지털융복합연구
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• 제15권12호
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• pp.111-126
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• 2017

2016년 12월 케이뱅크를 필두로 한국에서 인터넷은행이 본격적으로 출범하였다. 본 연구에서는 우리나라보다 먼저 영업을 시작한 해외의 성공사례를 분석하여, 시작점에 서 있는 국내 인터넷은행의 발전 방안을 제시하였다. 유럽, 일본, 중국, 미국 등 다수의 해외 성공 사례 분석을 통해 인터넷은행의 핵심 성공요인으로 정부 차원의 적극적인 지원 정책, 사업자들의 안정적인 지배/소유 구조 확립, ICT 기반의 차별화된 비즈니스 역량 보유 등이 식별되었다. 이러한 성공요인이 한국의 인터넷은행에 시사하는 바로 혁신의 원활한 실행을 담보하기 위한 은행의 경영 및 소유와 관련한 규제 완화, 4차 산업 혁명의 핵심 동력인 인터넷은행에 대한 적극적인 진흥 정책 도입, ICT 기반의 차별화 영역 발굴 등을 제시하였다. 향후 연구 방향으로는 국내 인터넷은행의 연간 실적과 전개 상황 등을 면밀하게 분석하여, 사업자 관점에서의 성공 포인트를 보다 상세하게 밝히고, 나아가 국내 금융 시장 및 국가 경제 활성화에 미칠 영향력과 기대 효과 등을 도출하는 것이 필요하다고 판단된다.

• 한국통신학회논문지
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• 제25권9B호
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• pp.1570-1578
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• 2000

본 논문은 채널간의 간섭을 줄이는 관점에서 코사인 변조 필터 뱅크와 사인 변조 필터 뱅크로 이루어진 필터뱅크의 쌍을 다중 반송파 부호 분할 다원 접속(multi-carrier code division multiple access: MC-CDMA) 시스템의 다중화 전송에 적용하였다. 웨이브렛 특성을 필터 뱅크의 구현에 활용하는 제안된 기법은 이산 퓨리에 변환(discrete Fourier transform: DFT)에 기반을 둔 기존의 MC-CDMA 시스템과 비교하였을 때, 전송 채널의 부채널화의 우수성으로 인해 채널간의 간섭을 감소시킬 수 있다. 제안된 직교 쌍 필터 뱅크를 기반으로 하는 MC-CDMA 시스템의 성능을 평가하기 위하여, 레이라이 페이딩 채널과 가우시안 잡음 채널에서 역 방향 링크의 신호 대 잡음비에 대한 비트 오율을 계산한다. 성능평가 결과는 제안한 시스템이 간섭의 영향을 최소화하는 측면에서 기존의 MC-CDMA 시스템 보다 우수한 성능을 보이고 있다.

• 한국정보과학회:학술대회논문집
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• 한국정보과학회 2003년도 가을 학술발표논문집 Vol.30 No.2 (1)
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• pp.196-198
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• 2003

Virtually every digital signal processors(DSPs) support on-chip multi- memory banks that allow the processor to access multiple words of data from memory in a single instruction cycle. Also, all existing fixed-point DSPs have irregular architecture of heterogeneous register which contains multiple register files that are distributed and dedicated to different sets of instructions. Although there have been several studies conducted to efficiently assign data to multi-memory banks, most of them assumed processors with relatively simple, homogeneous general-purpose resisters. Therefore, several vendor-provided compilers fer DSPs were unable to efficiently assign data to multiple data memory banks. thereby often failing to generate highly optimized code fer their machines. This paper presents an algorithm that helps the compiler to efficiently assign data to multi- memory banks. Our algorithm differs from previous work in that it assigns variables to memory banks in separate, decoupled code generation phases, instead of a single, tightly-coupled phase. The experimental results have revealed that our decoupled algorithm greatly simplifies our code generation process; thus our compiler runs extremely fast, yet generates target code that is comparable In quality to the code generated by a coupled approach

• 대한기계학회논문집
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• 제13권5호
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• pp.1023-1031
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• 1989

본 연구에서는 격자관군(in-line tube banks)과 엇갈림관군(staggered tube banks)에서의 유동특성을 해명하기 위한 기초로서, 일렬관군에 대해 유동특성을 통계적으로 조사한다. 이를 위해, 먼저 유동의 가시화와 관의 표면압력 측정실험이 행해진다. 또한, 통계적 기법의 도입을 통하여 관 주위의 평균속도, 난류강도, 파워 스펙트럼 밀도함수, 스트로홀수(strouhal number), 자기상관계수, 활률 밀도함수 등의 측정이 수행된다.

• 한국컴퓨터정보학회:학술대회논문집
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• 한국컴퓨터정보학회 2019년도 제60차 하계학술대회논문집 27권2호
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• pp.401-402
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• 2019

The purpose of this study is to find specific service quality factors of enterprises that can maximize the perception of banks' services to users of commercial banks in China, and to establish empirically how these quality factors affect the bank's image. They also want to verify the impact of the positive image of the bank on the user's satisfaction and the willingness to use the bank's services. For empirical verification of this study, questionnaires will be used to customers who have used the services of each of the four commercial banks in China, and the survey was conducted. The collected data were analyzed using the SPSS using statistical techniques such as Cronbach' ${\alpha}$, Investigative Factor Analysis, Reliability Analysis, Correlation Analysis, Regression and Difference Verification. The results of the verification were summarized below. First, the quality of service of commercial banks has a partial positive effect on the bank's image. Second, the image of a commercial bank has a positive effect on customer satisfaction. Third, the image of a commercial bank has a positive effect on the purpose of use. Fourth, the image of commercial banks has a partial mediated effect between service quality and customer satisfaction. Fifth, the image of a commercial bank has a partial mediated effect between the quality of service and its intended use.

• 대기
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• 제34권2호
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• pp.107-121
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• 2024

In this study, we empirically analyzed the impact of physical risks due to climate change on the soundness and operational performance of the financial industry by combining economics and climatology. Particularly, unlike previous studies, we employed the Seasonal-Trend decomposition using LOESS (STL) method to extract trends of climate-related risk variables and economic-financial variables, conducting a two-stage empirical analysis. In the first stage estimation, we found that the delinquency rate and the Bank for International Settlement (BIS) ratio of commercial banks have significant negative effects on the damage caused by natural disasters, frequency of heavy rainfall, average temperature, and number of typhoons. On the other hand, for insurance companies, the damage from natural disasters, frequency of heavy rainfall, frequency of heavy snowfall, and annual average temperature have significant negative effects on return on assets (ROA) and the risk-based capital ratio (RBC). In the second stage estimation, based on the first stage results, we predicted the soundness and operational performance indicators of commercial banks and insurance companies until 2035. According to the forecast results, the delinquency rate of commercial banks is expected to increase steadily until 2035 under assumption that recent years' trend continues until 2035. It indicates that banks' managerial risk can be seriously worsened from climate change. Also the BIS ratio is expected to decrease which also indicates weakening safety buffer against climate risks over time. Additionally, the ROA of insurance companies is expected to decrease, followed by an increase in the RBC, and then a subsequent decrease.

• 한국생활과학회지
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• 제13권3호
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• pp.453-466
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• 2004

This study reviewed the marketing strategies of domestic banks and introduced the theoretical framework of CRM model. The market segmentation for consumers in several domestic banks was compared and whether those informations were useful for consumers to evaluate the banks fit to their needs and for bank managers to promote their marketing strategies were also analyzed. The results of study showed that the domestic banks seemed to be apparently different in consumer services. This study showed that their private strategies must be somewhat different and it was important to search and keep those VIP's who contributed to their business. It was recommended to build the PB(private banking) center to counsel those VIP's and to analyze customers' characteristics.

• 한국환경복원기술학회지
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• 제12권5호
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• pp.77-91
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• 2009

The purpose of this study is to define the species composition of the soil seed banks at major wetlands in Nakdong river basin and central korea and to investigate how soil seed banks relate to aboveground vegetation and soil texture. In 2005, we sampled seed banks at Baksil reservoir, Jillal marsh, Deapyeng marsh, Hwapo marsh, Upo marsh and Junam reservoir in Nakdong river basin and Osan stream and Amsa-dong in Seoul. The soil seeds were estimated with the emergence method from April to October. Total numbers of species at the seed banks were 33 at Baksil, 18 at Daepyeong, 35 at Jillal, 56 at Upo, 32 at Hwapo, 47 at Osan stream, 54 at Amsa waterside, 31 at Amsa meadow. The species diversity in the soil seed banks of Upo marsh was the highest as 0.95. The community overlap index that compares aboveground with underground vegetation is high in the Upo marsh (0.34), Jilla marsh (0.36), and Osan stream (0.27). Soil texture affected distribution of 8 species, Lindernia procumbens, L. attenuata, Arenaria serpyllifolia, Juncus effusus, Persicaria thunbergii, Eragrostis multicaulis, Cyperus nipponicus, Scirpus fluviatilis. Considering the social and cultural values, soils at Amsa meadow, Hwapo marsh and Osan stream have worth to use for wetland restoration.