• Title/Summary/Keyword: National Banks

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Good Bank Evaluation by Chernoff Face Analysis using SAS macro faces (SAS macro faces를 사용한 체르노프 얼굴 분석에 의한 좋은 은행 평가)

  • Lee, Jeongeun;Jeong, Hyeseon;Kim, Minji;Kim, Jihyun;Son, Young Sook
    • The Korean Journal of Applied Statistics
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    • v.26 no.6
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    • pp.959-975
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    • 2013
  • The SAS macro faces program by Friendly (1992) is for Chernoff face analysis, which is one of methods for the visualization representation of multivariate data. In this paper, we examined 18 face features used in the program and presented the modified program depending on the definition of a good face in days present. In addition, a good bank evaluation for 15 domestic banks was performed through Chernoff face analysis based on 11 bank economic indicators representing stability, the consumer satisfaction, soundness, and banks profitability.

Estimation of the circulating currents in the parallel operation of transformers (변압기 병렬운전시 순환전류 추정)

  • Kang, Yong-Cheol;Lee, Mi-Sun;Lee, Byung-Eun;Jang, Sung-Il;Kim, Yong-Gyun;Joo, Haeng-Ro
    • Proceedings of the KIEE Conference
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    • 2008.07a
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    • pp.23-24
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    • 2008
  • For the $Y-Y-{\Delta}$ transformers operated in parallel, there exist two kinds of the circulating currents i.e. between the tanks and between the banks of the delta side. The proposed algorithm estimates the two circulating currents in the transformers in parallel in an ultra high voltage system. As the circulating current between the tanks is 90 deg out of phase of the load current, it is estimated by decomposing the line current into the component 90 deg out of phase of the load current. The circulating current between the banks in the delta side is estimated from the delta winding current and the line currents. The performance of the proposed algorithm is investigated when the impedances of the two transformer tanks are different or the taps of the on-load tap changer of the transformers are mismatched temporarily. Test results indicate that the algorithm can estimate the two kinds of the circulating currents successfully for both cases.

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Numerical Simulation of Solution Droplets and Falling Films in Horizontal Tube Absorbers

  • Phan Thanh-Tong;Lee Ho-Saeng;Yoon Jung-In;Kim Eun-Pil
    • Journal of Advanced Marine Engineering and Technology
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    • v.30 no.5
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    • pp.597-607
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    • 2006
  • This paper presents a numerical simulation of the behavior of the LiBr solution droplets and falling films in horizontal tube banks of absorber. The model developed here accounts for the details of the droplets formation and impact process for absorption on horizontal tubes including the heat transfer from solution film to the tube wall. Especially. the characteristic of unsteady behavior of solution flow has been investigated. Flow visualization studies shown that the solution droplets and falling films have some of the complex characteristics. It is found that. with the numerical conditions similar to the operating condition of an actual absorption chiller/heater, the outlet solution temperature and heat flux from solution film to the tube wall have a stable periodic behavior with time. The solution droplets and falling films in horizontal tube banks of absorber is a periodic unsteady flow. The results from this model are compared with previous experimental observation taken with a high-speed digital video camera and shown good agreement.

Successional Changes in Seed Banks in Abandoned Rice Fields in Gwangneung, Central Korea

  • Lee, Seon-Mi;Cho, Yong-Chan;Shin, Hyun-Chul;Oh, Woo-Seok;Seol, Eun-Sil;Park, Sung-Ae;Lee, Chang-Seok
    • Journal of Ecology and Environment
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    • v.31 no.4
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    • pp.269-276
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    • 2008
  • In order to understand the role of seed banks for restoration, seed banks in abandoned rice fields in the Gwangneung National Arboretum, central Korea were investigated using the seedling emergence method. The study sites represented three stages: an initial stage dominated by forbs such as Persicaria thunbergii and Juncus effuses var. decipiens, a middle stage dominated by Salix, and a late stage dominated by Quercus aliena and Prunus padus (in nearby riparian forest chosen as a reference stand). DCA ordination arranged the stands according to the number of years since abandonment. CCA ordination identified the dominant environmental variables correlated most closely with Axes 1 and 2 as $Mg^{2+}$ (intraset correlation was 0.827) and $K^+$ (intraset correlation was -0.677), respectively. Species richness and diversity decreased from the initial stage (H'=2.61) to the middle (H'=1.79) and late (H'=0.75) stages. A total of 49 species $(/m^2)$ and 18,620 seedlings $(/m^2)$ emerged out of the seed bank samples. The DCA ordination and similarity analysis detected a large discrepancy between the composition of the actual vegetation and the seed bank. We conclude that the contribution of seed bank to restoration is low. However, seed bank may help the recovery of forbs after disturbance. Some of our results are consistent with the tolerance model of succession whereas others follow the trajectory of the facilitation model. More research on succession will be required to understand the underlying mechanisms.

Performance Analysis of WFMT Modulation System Robust to ICI and Doppler Effect (부반송파간 간섭과 도플러 효과에 강한 WFMT 변조 방식의 성능 분석)

  • Kim, Seon-Ae;Ryu, Heung-Gyoon
    • The Journal of Korean Institute of Electromagnetic Engineering and Science
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    • v.19 no.10
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    • pp.1137-1146
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    • 2008
  • OFDM is very effective for the high speed communication system. However, OFDM has the problems of high PAPR and serious ICI, which is different from the single carrier system. Especially, ICI problem caused by phase noise, Doppler effect and frequency offset is main reason for poor performance since it breaks down the orthogonality between subcarriers in OFDM communication system. Therefore, WFMT modulation scheme is studied and the effect of the carrier frequency offset and phase noise is analyzed. WFMT modulation scheme is based on the wavelet theory and complex filter banks for synthesis and analysis of multichannel signal. WFHT modulation scheme keeps on the advantage of filter banks system and can be easily possible for the implementation of filter banks. In this paper, we compare ISI and ICI distortions of the WFMT and OFDM system due to the carrier frequency offset and phase noise. Also, we analyze the PAPR and BER performances in the HPA and ICI situation caused by the Doppler frequency shift and the frequency offset.

Optimal Allocation of Shunt Capacitor-Reactor Bank in Distribution System with Dispersed Generators Considering Installation and Maintenance Cost (분산전원을 포함한 배전계통에서 설치비용과 유지보수 비용을 고려한 병렬 캐패시터-리액터 Bank의 최적 설치 위치 선정)

  • Heo, Jae-Haeng;Lyu, Jae-Kun;Lee, Woo-Ri;Park, Jong-Young;Park, Jong-Keun
    • The Transactions of The Korean Institute of Electrical Engineers
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    • v.62 no.11
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    • pp.1511-1519
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    • 2013
  • This paper proposes the allocation method for capacitor-reactor banks in a distribution system with dispersed generators to reduce the installation costs, the maintenance costs and minimize the loss of electrical energy. The expected lifetime and maintenance period of devices with moving parts depends on the total number of operations, which affects the replacement and maintenance period for aging equipment under a limited budget. In this paper, the expected device lifetimes and the maintenance period are included in the formulation, and the optimal operation status of the devices is determined using a genetic algorithm. The optimal numbers and locations for capacitor-reactor banks are determined based on the optimal operation status. Simulation results in a 69-bus distribution system with the dispersed generator show that the proposed technique performs better than conventional methods.

Modeling of Pressure Drop for Water Vapor Flow across Tube Banks inside Horizontal Tube Absorber

  • Phan Thanh Tong;Yoon Jung-In;Kim Eun-Pil
    • Journal of Advanced Marine Engineering and Technology
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    • v.30 no.4
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    • pp.483-493
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    • 2006
  • A model for a pressure drop of water vapor flow across tube banks in a horizontal tube absorber of an absorption chiller/heater using LiBr solution as a working fluid has been developed based on a commercial 20RT(70kW) absorption chiller/heater. The numerical results show that the characteristic of the pressure drop in the shell side of the horizontal tube absorber is completely different from that in a conventional shell and tube heat exchanger. Especially, solution film thickness has significant influence on the vapor pressure drop in the horizontal tube absorber. In addition, the effects by the tube diameters, the longitudinal pitch to diameter ratio, and Reynolds number of the vapor flow, on the vapor pressure drop have been studied to evaluate the compactness of tube absorber. It was found that the vapor pressure drop decreases as tube diameter increases, the longitudinal pitch to diameter ratio increases, and Reynolds number of the vapor flow decreases. A comparison of the present study results with well-established experimental and numerical results showed a good overall agreement.

ESTABLISHMENT OF CONSTRUCTION INDUSTRY CREDIT GUARANTEE SYSTEM-BASED ON TAIWAN'S CONSTRUCTION INDUSTRY

  • Ting-Ya Hsieh;Tsung-Shi Liu
    • International conference on construction engineering and project management
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    • 2011.02a
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    • pp.399-406
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    • 2011
  • Various construction bonds and warranties critically burden the general contractor. Also, sporadic or cumulative delays of progress payment by the owner can further trap the contractor in a financial quagmire. Facing the possibility of cash flow deficiency and callous response from the banks, most construction firms may become financially incapable of market competition, and attractive project tenders become a bidding game among few deep-pocket players. The downside of such market environment is that the depth of pocket, rather than that of professional competency dictates the choice of market winners. In Taiwan, this has been a potential crisis to the construction industry after the financial crisis which started out since 2008. To encounter this problem, this research will examine the means to better manage the construction industry. Essentially, a credit guarantee system (CGS) is the prime solution to strengthen a bank's confidence in any particular construction firm. Thus establishing a national platform which evaluates and rewards a construction firm's overall credibility is pivotal, and this third-party rated credit can help a bank to render a loan more wisely. Finally, this paper will propose the ideal operating schemes of construction-specific CGS in Taiwan and a credit scoring prototype model for construction industry, as reference for the government and banks, respectively.

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A Study of the Scope and the Electronization of Electronic Letter of Credit in the Practitioner's Perspective (전자신용장의 활용범위와 '전자화' 정도에 대한 연구: 실무자적 관점을 중심으로)

  • Chung, Yong-Kyun;Jeong, Jae-Yeon
    • International Commerce and Information Review
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    • v.15 no.2
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    • pp.429-455
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    • 2013
  • This paper investigates the extent and scope of electronization of Letter of Credit and examines the obstacles in the course of electronization of Letter of Credit. For this purpose, this paper adopts two track methodologies. First, we study the electronization of Letter of Credit in the macro perspective. It means that we analyze the scope and the extent of electronization of electronic Letter of Credit in the national economy as a whole. Second, we utilize the case study approach to examine the electronization of Letter of Credit in micro perspective. In other words we examine individual commercial banks in Korea. For this purpose, we analyze the data from two commercial banks out of four largest domestic banks in Korea. For example, we select two commercial banks in Korea and ask current status of electronization of Letter of Credit, i.e, the utilization of EDI L/C, e-L/C, and e-B/L. A major finding of our study is that the extent of electronization is not negligible in micro perspective as well as in macro perspective. In micro perspective, two commercial banks utilize EDI letter of credit in a critical sense. On the other hand, they seldom uses e-L/C and e-B/L in international transaction. This study shows that major bottlenecks for the electronization of Letter of Credit are pessimistic perception of SME entrepreneurs toward the electronization of Letter of Credit and the high costs of system building. We conclude that unlike superficial perception, there is a considerable progress toward the electronization of Letter of Credit in micro perspective.

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The Effects of Financial and non-Financial Factors on the Formation of Main Bank Relations of Parts and Material Industry in Pusan-Kyungnam Region (기업의 재무적 및 비재무적 특성이 주거래은행관계 형성에 미치는 영향을 : 동남경제권 부품소재산업을 중심으로)

  • Choi, Jin-Bae
    • Journal of the Economic Geographical Society of Korea
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    • v.8 no.2
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    • pp.247-266
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    • 2005
  • The purpose of this paper is to analyse the effects of a firm's financial and non-financial factors on the relationship formation with its main bank in the industry of parts and material in Pusan-Kyungnam region. The results, out of accordance with the relation-banking or regional financial market perspective, do not support the hypothesis that regional financial institutions would be useful for decreasing the financial difficulties of the small and medium firms in the region. The analyses about the effects of non-financial factors on the formation of main bank relations show that while Kookmin Bank and Industrial Bank play important roles as main banks of small businesses other national banks put emphasis on the transaction lending. And the analyses about the effects of financial factors show that firms having main bank relations with non-bank financial institutions and Kookmin bank are more profitable and stable than firms having main bank relations with other banks including local banks. On the whole it seems that local banks are not making a commitment to the regional economy and their operational grounds are not strong enough.

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