• Title/Summary/Keyword: Korean banks

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Feasibility Model Development by Applying System Dynamics Method in Residential Officetel (시스템다이내믹스를 활용한 오피스텔 사업타당성 분석 모델 개발)

  • Jang, Jun-Ho;Ha, Sun-Geun;Kim, Kyeong-Ryoung;Son, Ki-Young;Son, Seung-Hyun;Lee, Taick-Oun
    • Journal of the Korea Institute of Building Construction
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    • v.18 no.3
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    • pp.285-294
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    • 2018
  • Due to the low interest rates of banks according to the breakdown economy after the global financial crisis in 2008 As a substitute for financial products, the investment demand has been increased for rentable investment funds such as commercial building and officetel. However, the problems such as oversupply, decrease of a rental profit and negative perception of development projects have been occurred. One of the primary problems is the existing deterministic method of project feasibility analysis. Therefore, the objective of this study is to develop feasibility model by applying system dynamics method in residential officetel. To achieve the objective, first, the previous studies are investigated. Second, the causal loop diagram is structured based on the collected data. Third, the feasibility model is developed through the causal loop diagram. Fourth, the effectiveness is validated and compared to collected actual data. The proposed model can be helpful whether or not conduct execution of an officetel development project to the decision makers.

A New Design of the Interrogating Waves for Medical Ultrasonic Imaging Based on Wavelets and Subband Filter Banks: A Simulation Study (의료용 초음파 영상시스템을 위한 Wavelet 과 Subband Filter Bank 에 기반한 새로운 탐침 파형의 설계: A Simulation Study)

  • Yang Yoon Seok
    • Journal of Biomedical Engineering Research
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    • v.25 no.6
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    • pp.431-438
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    • 2004
  • Medical ultrasonic imaging is a useful imaging facility known to be most safe and easy. It enables physicians to observe the inside structures of the bodies, blood flow, and motions of internal organs. Some physical properties of biologic tissues can also be estimated from backscattered sounds. However, the ultrasonic pulses interrogating the living organisms leave their footprints in the returning signals during imaging. Some significant details are buried in the footprints and their overlaps from adjacent particles. These distortions also decrease the quality of the images. Many research efforts have been made to enhance the image quality and to recover the acoustic information in various ways. In this study, a new interrogation method based on the wavelet and subband filter bank is proposed. It adopts the subband wavelet filters satisfying the perfect-reconstruction (PR) conditions as the interrogating pulses to restore the details useful in tissue characterization and to enhance the image quality. The proposed method was applied to two types of simulations of ultrasonic imaging. The results showed its ability to restore the detailsin the simulated interrogation of biologic tissues, and verified the improved image quality in the simulated imaging of general ultrasonic phantom compared with the conventional method.

Relationship between competition in banking industry and bank's risk-seeking tendency (은행산업에서의 경쟁과 위험추구)

  • Sung, Jimin;Park, Chang Gyun
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.17 no.1
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    • pp.225-233
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    • 2016
  • This study examined how the level of competition in the banking industry affects the risk-seeking tendency of individual banks. In earlier studies, the NPL ratio was used as an indicator of the risk-seeking tendency, but this ratio has limits because it is an ex post indicator of the risk. Therefore, the asset risk was chosen as a new indicator of the risk-seeking tendency, which is an ex ante measure of the risk, and the data were analyzed. The results suggested that there is a negative correlation between the level of competition of the banking industry and the risk-seeking tendency. Interestingly, opposite results were obtained when the NPL ratio was applied as an indicator of risk-seeking tendency. Therefore, the correlation between the level of competition in the banking industry and the risk-seeking tendency depends on the indicator of the risk-seeking tendency. This means choosing the appropriate indicator is the key component leading to precise results. The asset risk is more consistent with the concept of risk-seeking tendency than the NPL ratio, and it is a more appropriate indicator considering that the asset risk is a relatively less affected indicator other than risk-seeking tendencies.

지질시대 및 지구조별 국내대리석 석재자원의 분류와 물성

  • 윤현수;홍세선;박덕원;이병대;김주용
    • Proceedings of the KSEEG Conference
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    • 2002.10a
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    • pp.153-169
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    • 2002
  • 국내 대리석류 석재자원은 지질시대 및 지구조별로 선캠브리아기의 경기육괴와 영남육괴, 시대미상의 옥천대 남서부, 캠브리아-오오도비스기의 옥천대 북동부, 그리고 일부 기타시대의 옥천대 북동부 등으로 분류될 수 있다. 전자는 변성퇴적암류내에 협재된 결정질 석회암, 화강암질 편마암내 포획된 결정질 석회암 등s으로 경기육괴의 포천, 김포, 온수리, 목계와 신림도폭 그리고 영남육괴의 춘양, 현동, 울진, 중평동, 장기리와 장계도폭 등이 해당된다. 시대미상암류는 옥천대 남서부로서 목계, 충주, 괴산, 강경, 남원과 송정도폭, 그리고 캠브리아기는 풍촌석회암으로 임계, 호명, 서벽리도폭 등기 해당된다. 오오도비스기는 정선석회암이 분포하는 석병산, 평창, 정선과 임계도폭, 화천리층이 분포하는 문경도폭, 그리고 황강리도폭 등디 해당한다 기타시대는 시대미상의 각력질 석회암과 상부석탄기의 홍점층군내 협재하는 결정질 석회암으로, 이들은 각각 정선도폭과 석병산도폭에 위치한다. 선캠브리아기, 시대미상, 캠브리아기 및 오오도비스기 대리석류의 물성 중에서 흡수율과 공극율은 선캠브리아기, 오오도비스기, 시대미상과 캠브리아기의 순으로 점차 감소한다. 이들의 공극율은 비중에 대하여 대체로 불규칙하며, 흡수율은 공극율에 대하여 거의가 뚜렷한 정의 상관관계를 이룬다. 압축강도는 공극율에 대하여 다소 불규칙한, 그리고 인장강도에 대하여 정의 상관관계를 이룬다. 그리고 마모경도는 압축강도와 인장강도에 대하여 대체로 뚜렷한 정의 경향을 각각 보인다. 이들 대리석류는 선캠브리아기 중경암-경암, 시대미상 중경암-경암, 캠브리아기 거의가 중경암-경암, 그리고 오오도비스기는 경암에 각각 해당한다.하고 구현 단계의 문제점들과 해결책을 기술한다. 다 솔레노이드방식 감압건조장치로 건조한 표고버섯으로 품위에 대한 유의성 검증결과, 표고버섯의 경우 온도별로는 색택과 복원률, 건조실 내부 압력별로는 수축률, 복원률에서 유의차가 있는 것으로 나타났다. 라. 본 연구에서 구명된 감압건조특성을 기초로 하여 배치식 감압건조기를 설계 제작에 활용하고자 한다.ational banks. Several financial interchange standards which are involved in B2B business of e-procurement, e-placement, e-payment are also investigated.. monocytogenes, E. coli 및 S. enteritidis에 대한 키토산의 최소저해농도는 각각 0.1461 mg/mL, 0.2419 mg/mL, 0.0980 mg/mL 및 0.0490 mg/mL로 측정되었다. 또한 2%(v/v) 초산 자체의 최소저해농도를 측정한 결과, B. cereus, L. mosocytogenes, E. eoli에 대해서는 control과 비교시 유의적인 항균효과는 나타나지 않았다. 반면에 S. enteritidis의 경우는 배양시간 4시간까지는 항균활성을 나타내었지만, 8시간 이후부터는 S. enteritidis의 성장이 control 보다 높아져 배양시간 20시간에서는 control 보다 약 2배 이상 균주의 성장을 촉진시켰다.차에 따른 개별화 학습을 가능하게 할 뿐만 아니라 능동적인 참여를 유도하여 학습효율을 높일 수 있을 것으로 기대된다.향은 패션마케팅의 정의와 적용범위를 축소시킬 수 있는 위험을 내재한

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Financial Analysis Model Development by Applying Optimization Method in Residential Officetel (최적화 기법을 활용한 주거용 오피스텔 수지분석 모델 개발)

  • Jang, Jun-Ho;Ha, Sun-Geun;Son, Ki-Young;Son, Seung-Hyun
    • Journal of the Korea Institute of Building Construction
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    • v.19 no.1
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    • pp.67-76
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    • 2019
  • The domestic construction industry is changing according to its preference for demand and supply along with urbanization and economic development. Accordingly, initial risk assessments is more important than before. In particular, demand for lease-based investment products such as commercial and office buildings has surged as a substitute for financial products due to low interest rates of banks. Therefore, the objective is to suggest a basic study on financial analysis model development by applying optimization method in residential officetel. To achieve the objective, first, the previous studies are investigated. Second, the causal loop diagram is structured based on the collected data. Third, the system dynamics method is used to develop cost-income simulation and optimization model sequentially. Finally, the developed model was verifed through analyzing a case project. In the future, the proposed model can be helpful whether or not conduct execution of an officetel development project to the decision makers.

Review of Multilateral Development Bank's Methodologiesfor Consideration of Climate Change Impactsin Project Due Diligence (기후변화 영향평가와 사업심사 연계를 위한 다자개발은행의 방법론 고찰)

  • Jang, Yoojung
    • Journal of Environmental Impact Assessment
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    • v.31 no.2
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    • pp.106-116
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    • 2022
  • Multilateral Development Banks (MDBs) have actively responded to global climate change, and developed and operated the Common Principles for Climate Finance Tracking. They estimate climate finance in a granular manner with a conservative view. In other words, the MDBs track their financing only for those elements or proportions of projects that directly contribute to or promote climate adaptation or mitigation. The MDBs have reported jointly on climate finance since the first edition in 2012, which reported for 2011 and up to the 10th edition in 2021, which reported for 2020. MDBs apply two difference methodologies for adaptation and mitigation. For adaptation, the methodology is based on a context and location specific approach and captures the amounts associated with activities directly linked to vulnerability to climate change. For mitigation, it is evaluated in accordance with a comprehensive list of activities thatreduce greenhouse gas emissions. The result of climate risk assessment is one of the major due diligence items for MDBs alongside with that of environmental and social impact assessment. Under the circumstance that many countries endeavor to deal with climate change at project level, it is meaningful to understand how MDBs have addressed climate change issues in their project approval process. This would be a good reference to establish a methodology for responding to climate change and to expand scope of environmental and social impact assessment.

Measurement of Velocity and Discharge In Natural Streams with the Electronic Float System (전자부자 시스템을 활용한 자연하천의 유속과 유량 측정)

  • Lee, Chan Joo;Kim, Won;Kim, Chi Young;Kim, Dong Gu
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.29 no.4B
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    • pp.329-337
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    • 2009
  • In this study we briefly introduce the electronic float system based on the GPS and RF communication technology and present some field application results. The system is capable of operating 15 floats simultaneously for making discharge measurement. Since the electronic floats (EFs) acquire flow paths, they can improve velocity measurement accuracy up to 10%. Additionally, measured velocities by the EFs show good agreement with those by an ADCP. Relative difference in sub-section area calculated by the electronic and conventional float methods is -79~71% and, due to convergent tendency of floats flowing along near banks, it increases much larger. It is possible to improve accuracy up to 5~6% in making discharge measurement by the electronic floats at site with irregular flow paths and section arrangement. The electronic float system is capable of calculating more accurate velocity and section area using position information based on GPS. By real-time measurement of velocity, cross-section area and discharge, the electronic float system is expected to reduce manpower and improve accuracy, rapidity and efficiency of flood discharge measurements.

The Effect of P-O Fit on the Frontline Employee's Boundary Spanning Behaviors: Mediating Role of Emotional and Motivational Responses

  • Yoo, Jaewon
    • Asia Marketing Journal
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    • v.15 no.2
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    • pp.49-73
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    • 2013
  • In this study, the author develops and tests a model that incorporates the mediating effects of two frontline employee psychological variables (emotional exhaustion and intrinsic motivation) based on job demand and resource model. As a form of environmental resource, person-organization fit was proposed as a leading factor of frontline employee boundary spanning behavior through emotional exhaustion and intrinsic motivation. All measures were adapted from or developed based on prior research. Data for the study were collected from a cross-sectional sample of retail bank employees in South Korea. Questionnaires were distributed to 500 frontline employees across several banks. Of these, 322 usable questionnaires were returned. To analyze the data, a structural equation model procedure using LISREL 8.5 was employed. Results show that an employee's perceived fit with his/her organization enhances intrinsic motivation and reduces emotional exhaustion. These mechanisms, in turn, increase the employee's boundary spanning behavior. These results support the notion that person-organization fit should be one of the factors affecting motivation, affect and attachment, and extends such an understanding to a purely service-based environment among customer contact employees. Results also confirms that P-O fit can be viewed as environmental resources, and the JD-R model provides a theoretical base in further studying the antecedent role of P-O fit on frontline employees's boundary spanning behavior through intrinsic motivation and emotional exhaustion. These results suggest that organizations have to do their best to manage P-O fit, be it through employee screening or training and workshops to try and align organization and employee values and objectives. If managers of organizations are positively evaluated by the employees, it will be easier for them to, give things of value to employees, such as sense of direction, values, and recognition, and receive other things in return such as esteem and responsiveness. Consequently, organizational leaders are not only able to manage employee experiences, but also their fit with the organization. Even if a manager cannot control employee P-O fit, this research suggests, that a focus on reducing emotional exhaustion rather than increasing intrinsic motivation seems optimal. This research also supports the idea that motivation has a direct association with a frontline employee's boundary spanning behavior. Even in situations where emotional exhaustion cannot be reduced, organizations may still influence frontline behaviors through motivation.

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Does Servant Leadership Reduce Turnover Intention?: Job Crafting as Mediating Variables, and Stress Mindset as Moderating Variable (서번트 리더십은 이직 의도를 줄이는가?: 잡 크래프팅의 매개 역할과 스트레스 마인드셋의 조절 효과)

  • Piao Juan-xiu;Hahn Ju-hee
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.19 no.4
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    • pp.141-160
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    • 2024
  • In recent years, turnover intention among employees in China's banking industry has surged due to internal and external environmental pressures. This surge surpasses those occurring in other sectors. This rising trend in employee turnover has resulted in reducing employee turnover becoming a critical priority for banks in their ongoing development. Traditional leadership styles have proven inadequate for addressing this issue, requiring a shift towards more effective management approaches. This study explores the potential of servant leadership, a management style that prioritizes employees' needs, supports their development, and motivates them to realize their potential, as a means to mitigate rising turnover intentions. The research focuses on employees in the Chinese banking sector so as to examine the impact of the servant leadership management approach on their turnover intentions. Job crafting is investigated as a mediating variable, while stress mindset is assessed as a moderating variable. Data were collected from 401 valid questionnaires across 62 teams, comprising 62 leaders and 339 employees. Hypotheses were tested using SPSS 26.0 and HLM 6.0. The findings reveal that: (1) servant leadership significantly reduces turnover intentions; (2) job crafting mediates the relationship between servant leadership and turnover intentions; and (3) stress mindset positively moderates the influence of job crafting on turnover intentions. This study provides empirical evidence supporting the relationship between servant leadership and turnover intentions. The study's findings offer valuable insights into how to enhance employee management practices. It also discusses the theoretical and practical implications of integrating servant leadership into the banking sector, highlights the study's limitations, and proposes directions for future research.

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A Study on Determinants of Korean SMEs' Foreign Direct Investment in Gaeseong Industrial Complex & Vietnam (중소기업의 개성공단 및 베트남 직접투자 결정요인 연구)

  • Cho, Heonsoo
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.16 no.4
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    • pp.167-178
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    • 2021
  • The purpose of this study is to analyze the direct investment decision factors in the Kaesong Industrial Complex and Vietnam, and to contribute to the creation of domestic jobs and the revitalization of the inter-Korean economy. According to the analysis, most of the Kaesong Industrial Complex and Vietnamese investment companies are entering the complex for the purpose of utilizing cheap labor, cheap factory locations, sales/development of local markets, and bypass export production bases in third countries. This can be divided into production-efficient investors using differences in production price such as labor costs and market-oriented investors to sell and expand the local market, which seems to be consistent with global direct investment patterns such as Nike, Apple, and Amazon. However, even if the North Korea-U.S. denuclearization talks ease or lift sanctions, Vietnamese investors' willingness to invest in the North Korea has been most burdened by the possibility of closing special economic zones due to political risks. Last but not least, it is important to note that those willing to invest in North Korea are mostly smaller enterprises in textiles, sewing, footwear and leather industries-those that benefit from low-cost labor. Since their size is small, they need policy support in financing, especially in the early stages of their business. Even after they grow past the early stages, those without collateral would still need state guarantee letters to get financing. Thus, it is worth considering to use the Inter-Korean Cooperation Fund to compensate commercial banks for bad loan loss or for low-interest loans for smaller SMEs. The interviews with SMEs found that red-tape is one of the biggest difficulties they face. Thus, it is recommended that a one-stop service agency should be established to cover all processes and issues related to inter-Korean economic cooperation to eliminate redundancy and expediate government support for SMEs.