• Title/Summary/Keyword: Saving Bank

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Deposit Margin Strategy of Banks and Saving Banks due to Changes in the Base Rate (기준금리 변동에 따른 은행과 저축은행의 예대마진 전략)

  • Kim, Dowan
    • Journal of Information Technology Applications and Management
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    • v.29 no.2
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    • pp.39-50
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    • 2022
  • This research confirmed whether banks and saving banks increase their deposit margin under changes in the base rate. This paper has conclusions as follows. First, when the Bank of Korea changes the base rate, deposit rate variable are significant with panel analysis in the total data set and saving banks. This result implies that changes in the base rate affect deposit margin. Second, this study confirmed whether banks and saving banks maximize their deposit margin as base rate changes. As a result, when the Bank of Korea cut the base rate, the deposit margins of banks and saving banks decreased significantly. Still, their deposit margins are not statistically significant in the opposite situation. Therefore, this paper could not find evidence that banks and saving banks behave to maximize their deposit margin. Maybe, this phenomenon can appear because these financial institutions recognize this criticism.

A Study on Reimbursement Mechanism and the use for Exporters

  • Han, Ki-Moon
    • THE INTERNATIONAL COMMERCE & LAW REVIEW
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    • v.48
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    • pp.3-23
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    • 2010
  • In letter of credit arrangements, the issuing bank nominate a reimbursing bank which serves as a source of funds payment to the beneficiary. The reimbursing bank could be 3rd party bank or the issuing bank itself. In view of working capital requirements, most beneficiary want to get export proceeds in advance through nominated banks and therefore letter of credit usually permit the beneficiary to negotiate drafts, accompanied by required documents, to nominated bank. If the credit is available with the nominated bank, there must be a reimbursement instruction in the credit, because in this method of availability the issuing bank is obliged to reimburse the nominated bank if that bank acts on its nomination There are legal relationship among issuing bank, nominated bank and reimbursing bank with regard to reimbursement activities. Related rules are UCP and URR and UCC (in case of USA). Korean exporters and bankers do not appear to know well the role of reimbursement and usage. 3 cases (court case + ICC Opinion + bad practices) were employed to study the reimbursement mechanism and suggest better usages. The beneficiary is strongly recommended to know the benefit of reimbursement claim from independent reimbursing bank. The benefits include speed payment (thereby saving finance costs) and safe funds (in case of stop payment by the issuing bank right after the proceeds are reimbursed). And further the beneficiary banks (being nominated or claim banks) are also recommended to take advantage of the 3rd party reimbursement in view of the cases illustrated.

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The Effect of Bad Credit and Liquidity on Bank Performance in Indonesia

  • SUYANTO, Suyanto
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.3
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    • pp.451-458
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    • 2021
  • The objective of this research is to analyze the effect of bad credit and liquidity on bank performance with the mediation of capital adequacy. Data were provided by banking institutions listed on the Indonesia Stock Exchange from the period of 2011-2019. The analysis technique was PLS-SEM supported by an application named WarpPLS 6.0. The results of the research show that the effect of bad credit and liquidity on bank performance is not significant. A high level of bad credit is associated with a low level of bank performance. Bank earnings decline along with low profitability. This relationship is not significant because banks can still cover some proportions of bad credit through capital availability. Capital adequacy as an intervening variable has mediated partially the effect of bad credit and liquidity on bank performance. Besides, capital adequacy has a strong effect on credit distribution. Agency theory says that the owner of the fund (the savers of saving account, current account, deposit account) is called principal while the bank as the trusted institution to manage the fund is called an agent. If customers fulfill their duty, then bad credit never happens.

The Study of Decision-Making Model on Small and Medium Sized Management States of Financial Agencies and Monitoring Progressive Insolvency : Case of Mutual Savings Banks

  • Ryu, Ji-Cheol;Lee, Young-Jai
    • Journal of Information Technology Applications and Management
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    • v.15 no.3
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    • pp.43-59
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    • 2008
  • This paper studies small and medium sized financial agency's management states that take advantage of the Korea Federation of Saving Bank's data. It also presents the management state and the decision-making model that monitors progressive insolvency by standardizing transfer path between relevant groups. With this in mind, we extracted explanatory variables for predictions of insolvency by using existing studies of document related insolvency. First of all, we designed a state model based on demarcated groups to take advantage of the self organizing map that groups in line with a neural network. Secondly, we developed a transition model by standardizing the transfer path between individual banks in a state model. Finally, we presented a decision-making model that integrated the state model and the transition model. This paper will provide groundwork for methods of insolvency prevention to businesses in order for them to have a smooth management system in the financial agencies.

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Analysis on the Characteristics of Government-dominant and Non-governmental Food Bank Programs from the Users' Perspective (정부주도형 및 민간주도형 푸드뱅크(Food Bank) 사업의 이용자 실태 및 이용특성 분석)

  • Kang Hye-Seune;Hong Min-Ah;Yang Il-Sun;Jo Mina;Kim Chul-Jae
    • Korean Journal of Community Nutrition
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    • v.10 no.2
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    • pp.224-233
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    • 2005
  • The objectives of this study were to (a) examine the users' characteristics of both government-dominant and non-governmental food bank programs, (b) understand the supporting quality of the food bank program, and (c) analyse the effectiveness of the programs from the users' perspectives. The random samples of 120 food bank operators were selected by proportionate stratified random sampling method and from each food bank, 3 users were selected for the survey. A total of 205 users were participated in this survey. The main results of this study were as follows; Average profile of food bank users were 58 year old, female, livelihood protectee ($56.6\%$). Food assistance frequency were mostly once a week ($34.1\%$), and everyday ($22.4\%$). The survey also showed that non-governmental food banks delivered the food directly to the $42.7\%$ of users, otherwise the users of government-dominant ones went to the food bank to receive the foods. Most of the donated foods were cooked food ($50.0\%$), and the users also wanted to receive that kinds of food. Saving food expenses ($55.6\%$) and overcoming hunger ($16.6\%$) were found as the effectiveness to the users.

A Study on Financial Ratio and Prediction of Financial Distress in Financial Markets

  • Lee, Bo-Hyung;Lee, Sang-Ho
    • Journal of Distribution Science
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    • v.16 no.11
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    • pp.21-27
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    • 2018
  • Purpose - This study investigates the financial ratio of savings banks and the effect of the ratio having influence upon bankruptcy by quantitative empirical analysis of forecast model to give material of better management and objective evidence of management strategy and way of advancement and risk control. Research design, data, and methodology - The author added two growth indexes, three fluidity indexes, five profitability indexes, and four activity indexes CAMEL rating to not only the balance sheets but also the income statement of thirty savings banks that suspended business from 2011 to 2015 and collected fourteen financial ratio indexes. IBMSPSS VER. 21.0 was used. Results - Variables having influence upon bankruptcy forecast models included total asset increase ratio and operating income increase ratio of growth index and sales to account receivable ratio, and tangible equity ratio and liquidity ratio of liquidity ratio. The study selected total asset operating ratio, and earning and expenditure ratio from profitability index, and receivable turnover ratio of activity index. Conclusions - Financial supervising system should be improved and financial consumers should be protected to develop saving bank and to control risk, and information on financial companies should be strengthened.

A Novel Variable-Speed Renewable-Energy Generation System of Induction Generator and PWM Converter for Small-Scale Hybrid Power Applications

  • Ahmed, Tarek;Nishida, Katsumi;Lee, Hyun-Woo;Nakaoka, Mutsuo
    • Proceedings of the KIEE Conference
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    • 2005.07b
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    • pp.1339-1342
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    • 2005
  • This paper presents a simple AC-DC power conditioner for a squirell-cage induction generator(IG) operating under variable shaft speeds. The necessary reactive power for the IG system is supplied by means of a capacitor bank and a voltage-source PWM converter. Using a capacitor bank to transfer the reactive power to the IG under the rated speed and no-load conditions starts the IG operation and reduces the PWM power converter size. A simple control compensating for changes in the electrical loads as well as the variation in speed was developed to regulate the voltages of the IG system by controlling the rotor flux through its reactive and active currents control implementation. This proposed power conditioning scheme can be used efficiently as a wind power generation system where the output voltage of the IG is maintained constant voltage despite the variable frequency and the DC bus voltage of the PWM converter can be used for either DC applications such as battery charging or AC power applications with 60/50 Hz by connecting a stand alone inverter. The experimental and simulated operating performance results of a 5 kW IG scheme at various speeds and leads are presented.

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Automatic Recognition of Bank Security Card Using Smart Phone (스마트폰을 이용한 은행 보안카드 자동 인식)

  • Kim, Jin-Ho
    • The Journal of the Korea Contents Association
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    • v.16 no.12
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    • pp.19-26
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    • 2016
  • Among the various services for mobile banking, user authentication method using bank security card is still very useful. We can use mobile banking easily and safely in case of saving encoded security codes in smart phone and entering codes automatically whenever user authentication is required without bank security card. In this paper automatic recognition algorithm of security codes of bank security card is proposed in oder to enroll the encoded security codes into smart phone using smart phone camera. Advanced adaptive binarization is used for extracting digit segments from various background image pattern and adaptive 2-dimensional layout analysis method is developed for segmentation and recognition of damaged or touched digits. Experimental results of proposed algorithm using Android and iPhone, show excellent security code recognition results.

Voluntary Insurance for Ensuring Risk-Free On-the-Go Banking Services in Market Competition: A Proposal for Bangladesh

  • Rahman, Akim M.
    • The Journal of Asian Finance, Economics and Business
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    • v.5 no.1
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    • pp.17-27
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    • 2018
  • In 21st Century business world, services are carried out in multifaceted, competitive and rationality manner that are characterized by evolving many factors, which are often unpredictable. On-the-go banking is a product in financial sector. However, it faces serious pitfalls being it riskiness. Bank customers compete for time-saving options. On contrary, PCBs compete for marginalizing its operating costs for enhancing its revenues. On strategic tactics, PCBs targets city customers in multi-facets including offering incentives for enhanced usages of on-the-go banking. Influencing customer's intention, attitude and behavior in banking, PCBs also offers incentive under market system along with often informational asymmetry. However, it causes exploitation. In most cases customers don't read terms & conditions of services. They don't save contract-copy. These weaknesses cause abuses. Customer faces hidden charges, extra fees, account hacked. Addressing the issue, Voluntary Insurance Option is proposed where PCBs will introduce it as a product of bank-services. Transferring risk away from customer will benefit both PCBs and bank-customers. This product can attract new customers who were on the brink using digital banking but just felt it was too risky. This model can facilitate the parties involved for increasing usage of on-the-go banking-services while customers can maintain optimal utility of usages.

The Study on Excavation & Restoration Gu-dul in Young-dong (영동(永同)지역 전통(傳統)구들의 발굴(發掘) 및 복원(復原))

  • Cho, jung-kun
    • Journal of the Korean Institute of Rural Architecture
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    • v.8 no.1
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    • pp.111-120
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    • 2006
  • Our ancestor has accumulated inimitable a building system from experience. and they finally invented Gu-dul that heat the stone as a hitting system. The purpose of this study is to investigate and to write down the on Excavation & Restoration of Traditional Gu-dul in Young-dong. It was found that Gu-dul was the most suited for natural condition. That is wind, direction, earth level. As the results of analyzing the built- technque of traditional Gu- dul : 1) The Gu-dul type is lined, scattered, and mixed. 2) The hight of bank is 25-30cm, 3) The depth of Gaejari is 30-45cm, and The slope of that is gentle. 4) The slope of Gorae(a floor hitter) is 5 - 8%. (from the middle to the edge and from the lower part to the upper part) Therefore, For the practical application of future houses, it will be needed to develop the reasonable hitting system, and suggest to set up Gu-dul for our health and saving energy.

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