• 아태비즈니스연구
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• 제14권4호
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• pp.431-444
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• 2023

Purpose - This study applies the traditional Structure-Conduct-Performance (SCP) model from industrial organization theory to investigate the relationship between market structure and performance in China's banking industry. Design/methodology/approach - For analysis, financial data from the People's Bank of China's "China Financial Stability Report" and financial reports of 6 state-owned banks and 11 joint-stock banks for the period 2010 to 2021 were collected to create a balanced panel dataset. The study employs panel fixed-effects regression analysis to assess the impact of changes in market structure and ownership structure on performance variables including return on asset, profitability, costs, and non-performing loan ratios. Findings - Empirical findings highlight significant differences in the effects of market structure between state-owned and joint-stock banks. Notably, increased market competition positively correlates with higher profits for state-owned banks and with lower costs for joint-stock banks. Research implications or Originality - State-owned banks demonstrate larger scale and stability, yet they struggle to respond effectively to market shifts. Conversely, joint-stock banks face challenges in raising profitability against competitive pressures. Additionally, the study emphasizes the importance for Chinese banks to strengthen risk management due to the increase of non-performing loans with competition. The results provide insights into reform policies for Chinese banks regarding the involvement of private sector in the context of market liberalization process in China.

• 한국콘텐츠학회논문지
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• 제17권6호
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• pp.32-38
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• 2017

최근 공인인증서에 대한 무용론이 제기됨에도 불구하고, 우리나라 인구의 절반(약 3,500만개)이 공인인증서를 발급받아 인터넷 뱅킹, 인터넷 쇼핑, 주식거래 등에서 본인확인용도로 사용하고 있다. 또한 공인인증서 사용자는 이동디스크나 스마트폰을 저장매체로 사용하고 있다. 이러한 저장매체는 악성코드에 의해 공인인증서 관련 파일과 사용자 패스워드가 쉽게 탈취될 수 있고 공격자는 탈취한 사용자 패스워드와 공인인증서로 언제든지 정당한 사용자로 위장할 수 있다. 이러한 공인인증서 안전성 문제로 인해 SMS를 이용한 휴대폰 소유자 인증기술, 생체인증을 통한 본인 인증 기술 등 다양한 인증기술이 제안되고 있다. 그러나 아직까지 사용자 패스워드가 필요 없고 공인인증서를 대체하는 안전한 기술이 제시되지 않고 있다. 이에 본 논문에서는 USIM 정보와 스마트폰 고유번호를 조합해서 사용자 패스워드 없이 공인인증서를 안전하게 보호할 수 있는 방안을 제안하였다. 이를 통해 공격자가 개인키 및 인증서 파일을 탈취하더라도 공인인증서를 사용할 수 없고, 사용자는 영문자/숫자/특수문자 등 조합규칙을 따르는 복잡한 패스워드를 사용하지 않아도 된다. 따라서 제안 방안을 공인인증서에 사용한다면 사용이 편리하면서도 안전한 보안 서비스를 제공할 수 있다.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.909-918
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• 2020

This study, not only investigates the important role of lifelong learning in shaping young people's knowledge and in maximizing their potential, but also aims to shed light on the influencing factors of lifelong learning of young people in Vietnam. The author applied STATA and SPSS to analyze quantitative data collected from questionnaires with 332 respondents aged between 19 years old and 24 years old. Based on a holistic review of literature, this study concludes that four driver factors affect young people's lifelong learning ability, comprising: organizational culture, motivation, human resource development, and domestic private type of enterprise. The results emphasize the positivity of organizational culture, human resource development, and the nature of work, especially organizational culture and human resource development, which are dominant reasons for young people to maintain lifelong learning. The relationship between demographics and lifelong learning was tested and it indicated that male has a stronger interest in learning than female. The result of the study also shows the impact of different types of business sectors on employees' learning intentions. It points out that the domestic private type of enterprise is the most effective factor that has a positive relationship with the lifelong learning of the individual.

• The Journal of Asian Finance, Economics and Business
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• 제8권10호
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• pp.305-315
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• 2021

This study aims to investigate the relationship between the difference in gender of top executives and corporate investment. In addition, this study also extends to how the sensitivity of investment to cash flow varies with the gender of leaders. Finally, the effect of the gender of leaders on firm investment is also tested across firm types (state firms vs. private firms and high-growth firms vs. low-growth firms). Based on the dataset of Vietnamese listed firms over 2007-2017, the fixed-effect model is used to test the hypotheses. The results show that women as chairs of the board tend to lower corporate investment, whereas the gender of CEOs (Chief Executive Officers) does not influence the investment level. Moreover, top female executives are associated with a decrease in the sensitivity of investment to cash flow. These regression results also show that top female executives only have an impact on the rate of investment in private and low-growth firms. The findings of this study are useful for the board of directors in selecting a chairperson in line with the firm's strategies. Furthermore, the findings of this study are also meaningful for policymakers who should monitor the separate role of the CEO and chair of the board in a company.

• 무역상무연구
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• 제12권
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• pp.429-460
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• 1999

The letter of credit is quintessentially international. In the absence of international legal system, a private system based on banking practices has evolved, commanding the adherence of the international letter of credit community and providing the foundation of th reputation of this instrument. To maintain this international system, it is vital that international standard banking practice should not be subject to local interpretations that misconstrue or distort it. The UCP is a formulation of international standard banking practice. It is neither positive law nor a "contract term" in any traditional sense and its interpretation must be consonant with its character as a living repositary of international understanding in this field. As a result, the interpretation and application of specific articles of the UCP must be consistent with its evolving character and history and with the principles upon which sound letter of credit practice is predicated. This study, especially, focuses on article 13 and article 14 of the UCP500. Article 13(b) of UCP500 stipulates that banks will have a reasonable time, not to exceed seven days, to examine documents to determine whether they comply facially with the terms of the credit. The seven-day provision is not designed as a safe harbor, because the rule requires the issuer to act within a reasonable time. But, by virtue of the deletion of the preclusion rule in the document examination article in UCP500, however, seven days may evolve as something of a safe harbor, especially for banks that engage in strategic behavior. True, under UCP500 banks are supposed to examine documents within a reasonable time, but there are no consequences in UCP500 for a bank's violation of that duty. It is only in the next provision. Courts might read the preclusion more broadly than the literal reading mentioned here or might fashion a common-law preclusion rule that does not require a showing of detriment. Absent that kind of development, the change in the preclusion rule could have adverse effects on the beneficiary. The penalty, strict estoppel or strict preclusion, under UCP500 and 95UCC differs from the classic estoppel. The classic estoppel rule requires a beneficiary to show three elements. 1. conduct on the part of the issuer that leads the beneficiary to believe that nonconforming documents do conform; 2. reasonable reliance by the beneficiary; and 3. detriment from that reliance. But stict preclusion rule needs not detrimental reliance. This strict estoppel rule is quite strict, and some see it as a fitting pro-beneficiary rule to counterbalance the usually pro-issuer rule of strict compliance.

• 수산경영론집
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• 제16권1호
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• pp.31-54
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• 1985

The mutual credit of Fisheries Cooperatives is reciprocal financing bring overs and shorts to settlement themselves by filling each other's needs among feeble fishermen economically. The spread of mutual credit through Fisheries Cooperatives reduces private loan dependence and private loan interest rate at fishery village, and that fills up policy financing being restricted by working scale. And seeing movement side of Fisheries Cooperatives, it has done an under board to settle self-supporting foundation of primary fisheries cooperatives early. The mutual credit deposit shows about 53 times increase past an interval of a ten years. This increase rate is an epoch-making record being unparalleled in other banking facilities except Fisheries Cooperatives. Then being unparalleled increase rate, time and savings deposits increase has been contributed a great deal than demand deposits. Thinking important function factors as mutual credit growth, we can classify interior and exterior factors. The exterior factor is income of fishery household in some measure, interior factors are the high deposits interest rate and the enlargement of facilities organization. As these, they have been in a better factors, also have been a restriction factors. The restriction factors are conflict cancellation between mutual credit and them bring into existence a village vault, mutual savings and finance companies, private finance. For the sake of continuance growth rate in mutual credit as past, we should eliminate restricted factors in growth. On the other hand the better factors in growth should be act upon affirmation side continually. Consequently under circumstances not to an amicable settlement bring the fisheries fund demand as policy financing, we should do continuous and sound development of fisheries financing by means of putting in good order of fisheries cooperatives mutual credit. Surveying a problem from these viewpoints, when we study more deep and a full into a subject about growth project of mutual credit, we think to expect continuous growth in mutual credit of Fisheries Cooperatives.

• 한국정보통신학회:학술대회논문집
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• 한국정보통신학회 2016년도 춘계학술대회
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• pp.313-316
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• 2016

현재 국가기간산업과 중요한 민간 기업의 정보시스템 장애나 사고발생 시 국가 차원의 혼란이 발생할 개연성이 높고, 국민편익에 큰 영향을 줄뿐 아니라 기업 비즈니스에도 막대한 타격이 불가피하다. 이는 국가적 관리대상인 정보시스템의 안정성이 금융, 통신, 운송, 에너지 등 국민과 사회에 큰 영향을 미치고 민간기관으로 확대되는 추세이다. 그러나 공공 및 민간 정보화 사업은 개발감리나 CMM(Capability Maturity Model)인증을 통해 목표시스템의 품질을 점검하고 있지만 구축 후 운영되는 정보시스템의 안정성에 대한 품질점검은 추진되지 않거나 일부 안전진단 결과에 대한 충족 미흡으로 활성화 되지 못하고 있는 실정이다. 본 연구에서는 구축 되어지는 정보시스템의 안정성 진단 평가점검체계 개발을 통해 정보시스템의 장애나 사고를 방지함으로써, 서비스 혼란을 최소화하고 고객지향적인 서비스 제공을 보장 할 수 있는 방안을 연구 하고자 한다.

• 건축역사연구
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• 제23권4호
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• pp.69-80
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• 2014

The purpose of this paper is to examine the dissolution process of Dongnae-bu Dongheon Block(東萊府 東軒 一廓) under the Rule of Japanese. The results of this study are summarized as follows. First, the space orgnization of Dongnae-bu Dongheon Block(東萊府 東軒 一廓) proved to be clear on the basis of Dongnae-bu Eupji(東萊府 邑誌), the ficture of Dongnae-bu(東萊府) and the Original Land Registration Map(地籍原圖) at the end of Joseon Dynasty. Second, the old government offices, as well as Chungsin-dang(忠信堂), were converted into the local government office for the sake of Japanese colonialism. Third, the old government office and its land were transferred to the banking system(金融組合) and the educational foundation(學校組合) in the interests of Japanese colonist. Finally, the transfer land of civilian industry association forced Mangmi-ru(望美樓) and Dokjin-daeamun(獨鎭大衙門) to remove to another site and the private lots-subdivision assisted space taking to pieces.

• 산업경영시스템학회지
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• 제34권1호
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• pp.80-89
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• 2011

In service science, it is critical to measure service satisfaction for innovating service processes, which is challenging for service sectors oriented to the usage of IT systems. For that purpose, in this study, a model based on the technology acceptance model and satisfaction measurement model is proposed. The model is empirically tested using data sets from a public service sector (G2B) and a private service sector (internet banking). The purpose of this study is to identify factors which affect the service satisfaction. The result shows that a public service sector is less sensitive to the IT systems on which its services are operated, and that the attitude factor strongly affects the service satisfaction in both sectors.

• 한국컴퓨터정보학회논문지
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• 제20권12호
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• pp.61-66
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• 2015

In this paper, we draw a security assessment by analyzing possible vulnerabilities of the designated PC service which is supposed for strengthening security of current online identification methods that provide various areas such as the online banking and a game and so on. There is a difference between the designated PC service and online identification methods. Online identification methods authenticate an user by the user's private information or the user's knowledge-based information, though the designated PC service authenticates a hardware-based unique information of the user's PC. For this reason, high task significance services employ with online identification methods and the designated PC service for improving security multiply. Nevertheless, the security assessment of the designated PC service has been absent and possible vulnerabilities of the designated PC service are counterfeiter and falsification when the hardware-based unique-information is extracted on the user's PC and sent an authentication server. Therefore, in this paper, we analyze possible vulnerabilities of the designated PC service and draw the security assessment.