• The Journal of Asian Finance, Economics and Business
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• 제7권3호
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• pp.127-135
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• 2020

The paper aims to examine whether business cycles affect the link between financial development and bank risk, measured by Zscore and non-performing loans to total loans in six Southeast Asian countries, namely Indonesia, Philippines, Malaysia, Singapore, Thailand and Vietnam. This study uses a sample of 95 listed commercial banks over a 15-year period between 2004 and 2018 in the six Southeast Asian countries. This study employs panel OLS regression and modifications to tackle issues such as endogeneity and heteroscedasticity. The results show that the impact of stock market development (the ratio of the market capitalization to GDP) on Zscore is significantly positive, whereas its effect on non-performing loans is significantly negative. The findings suggest that financial development, in terms of stock market capitalization, improves banks' Zscores and reduces their level of non-performing loans, suggesting that financial development on average reduces bank risk. The impact of business cycle is insignificant towards bank risk, thus rejecting both counter- and pro-cyclical hypotheses, except for the case of risk indicator of loan loss provisions. Examining the joint effect of the business cycle and financial development on bank risk, we find that the phase of business cycles generally does not moderate the link between financial development and bank risk.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.377-388
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• 2020

The research identifies hypotheses evaluating the impact of board characteristics on the risk of the commercial bank as well as examining the determinants of bank risk in Vietnam over a 10-year period, starting from 2008. Also, in this research, the differences between the roles of women and men in decision-making are tested. Based on this decision, risks of the banks may arise. Ordinary least squares(OLS) regression, Random effect method, and Fixed effect method are used to estimate the factors that have an impact on bank risk for dataset of all commercial banks in Vietnam. The results found that equity-to-asset ratio, bank performance and the economic growth have an inverse relationship with bank risk, while the size of bank has a positive relationship with the bank risk. One of the highlights of this paper is a demonstration of the relationship between CEO's gender and bank risk. The test result shows that the bank led by a female faces a higher overall risk level and credit risk than a bank led by a male. Based on this result, the paper also makes recommendations to Government, the State Bank of Vietnam and the commercial banks for effective risk management.

• 대한전자공학회논문지SP
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• 제44권5호
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• pp.94-102
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• 2007

잠음감소에 있어서 웨이브렛 임계처리 알고리즘은 미니맥스 관점에서 거의 최적의 성능을 보이는 것으로 알려져 있다. 그러나 웨이브렛 임계처리 알고리즘은 웨이브렛 함수의 복잡성으로 인해 FPGA와 같은 하드웨어 상에 구현이 어렵다. 본 논문에서는 이진트리 구조 필터뱅크에서 전체 신호전력에 대한 각 부밴드 신호 전력비에 기반한 새로운 잡음감소 기법을 제안한다. 그리고 이 기법을 FPGA 상에 구현한다. 간단한 구현을 위해 필터뱅크는 하다마드 변환 계수로 설계된다. 시뮬레이션과 하드웨어 실험결과 제안방법이 간단하지만 웨이브렛에 기반한 소프트 임계처리 잡음감소 알고리즘과 성능이 유사함을 보인다.

• 디지털융복합연구
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• 제20권2호
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• pp.91-105
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• 2022

인터넷 전문은행 관련 선행연구들은 법안, 규제 그리고 도입 기대효과 등의 연구들이 대부분이며, 금융 소비자의 금융 서비스 전환 의도에 관한 연구는 미비한 상태이다. 본 연구의 목적은 금융소비자들이 시중은행에서 인터넷 전문은행으로 서비스 전환 의도에 대해 영향을 미치는 요인을 알아보고자 PPM(Push-Pull-Mooring)이론을 적용하였다. 실제 서비스 이용자들을 대상으로 설문조사를 하였고, Smart PLS 3.0을 사용하여 1차 요인분석과 2차 요인분석을 하였다. 연구 결과 풀요인, 푸시요인 그리고 무어링요인은 전환 의도에 긍정적인 영향을 미쳤으며, 조절변수인 무어링요인은 푸시요인과 풀요인의 전환 의도에 조절효과가 나타나지 않았다. 서비스 전환 연구에 활용되던 PPM이론의 활용 범위를 핀테크 서비스로 확장 하였고, 인터넷 전문은행의 전략과 확산 등 여러 가지 실무적인 유용한 시사점을 제공 할 수 있으며, 소비자 태도를 연구하는 다양한 연구에서 활용할 수 있을 것이다.

• 한국수자원학회:학술대회논문집
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• 한국수자원학회 2005년도 학술발표회(2)
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• pp.848-849
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• 2005

• Journal of Mechanical Science and Technology
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• 제18권12호
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• pp.2236-2249
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• 2004

The analysis for the three-dimensional fluid flow past tube banks arranged in equilateral-triangular form at Re$\_$max/=4,000 is carried out using a large eddy simulation technique. The governing equations for the mass and momentum conservation are discretized using the finite volume method. Parallel computational techniques using MPI (Message Passing Interface) are implemented in the present computer code. The computation time decreases linearly proportional to the number of used CPUs in the present parallel computation. We obtained the time-averaged streamwise and cross-streamwise velocities and turbulent intensities. The present numerical results are compared with the PIV experimental data and agree generally well with the experimental data.

• Journal of Species Research
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• 제12권4호
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• pp.326-331
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• 2023

Alloperla tiunovae Teslenko, 2009 and Haploperla maritima Zhiltzova & Levanidova, 1978, hitherto known only from the Russian Far East, are reported from South Korea. The male of A. picta Zwick, 1973, previously known only from the female holotype collected in North Korea, was described based on numerous specimens collected in South Korea. The species previously reported as Triznaka (?) sp. sensu Zwick, 1973 proved to be A. tiunovae. The generic assignment of both A. picta and A. tiunovae point on certain problems of generic diagnosis of Alloperla Banks and Sweltsa Ricker, and call for a comparative generic review of Alloperlini Surdick, which should focus on Asian taxa.

• Asian Journal of Innovation and Policy
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• 제12권2호
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• pp.268-276
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• 2023

As the climate crisis intensifies, the need to improve the climate resilience of developing countries is ever increasing. Hence, the international community is seeking ways to effectively conduct climate technology transfer by linking the projects with financial mechanisms. However, commercialization of climate technology in developing countries is no easy feat as comprehensive knowledge on the target country is a prerequisite for seeking a suitable technology-financial linkage measure. Hence, in-depth discussions on effective climate technology and financial linkage measures have become an important global agenda, and South Korea, as a country with long experience in climate technology transfer, and a strong ecosystem for public climate technology, should step forward to take up a leading role. Against this backdrop, this paper proposes strategies and implementation measures for linking funds from the Multilateral Development Banks (MDB) with Korea's Public Climate Technology (PCT) by examining several key areas of R&D, international cooperation, and technology commercialization.

• The Journal of Asian Finance, Economics and Business
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• 제7권8호
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• pp.87-94
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• 2020

The paper aims to investigate the impact of presenting statements of cash flow using the direct method and the indirect method on loan decision by credit officers at Vietnamese banks. The data was collected from 150 credit officers of commercial banks in Vietnam based on the questionnaire about making loan decision when the cash flow statement is presented in different methods, namely, direct and indirect methods. This research uses T-tests to check whether using the direct or indirect method affects the accurate calculation of loan criteria, affects the loan decision by credit officers, and compare these two methods in the aspects of information provision. The research has pointed out that: 1) the direct method helps the calculation of indicators related to loans more accurately; 2) credit officers say that, while the direct method of presenting cash flow statement provides clearer information, the use of either the direct method or the indirect method does not affect the banks' loan decision. Since then, the author recommends that cash flow statements should be provided with information in a direct method to present the information needed for loan decision more accurately so as to improve the quality of cash flow statement.

• 유통과학연구
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• 제21권4호
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• pp.69-80
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• 2023

Purpose: In the landscape of global challenges, the adoption of new technologies and the implementation of intellectual capital are seen as the main vehicles to enhance banking operations. Inspired by this issue, our study is to discover the effect of technological investments and intellectual capital on one of the most important dimensions of banking operations, namely deposit intermediation. Research design, data and methodology: To tackle this concern, we utilize the data of 12 banks from 2011 to 2020 in Vietnam, and perform the multivariate regression analysis as well as provide different robustness tests. Results: Our empirical analysis demonstrates that a surge in technological expenditures would foster distribution of deposit intermediation of banks. Also, the blend of technology spending and intellectual capital plays a key role in boosting this function of banks. Conclusions: The study would bring one of new evidence for bank managers and national authorities in Vietnam, where has undergone the completely reform period in banking system. Accordingly, technological innovation and intellectual capital should be taken into consideration when managers and regulators build business strategies and related policies. The findings are also useful for nations bearing a close resemblance to Vietnamese financial system.