• 한국콘텐츠학회논문지
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• 제22권9호
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• pp.271-282
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• 2022

글로벌 금융위기 이후 전 세계적인 금융 혁신의 흐름에 따라 핀테크가 등장하면서 금융 산업에 큰 변화가 예상된다. 본 연구에서는 우리나라 핀테크 현황을 살펴보고 핀테크의 도입과 성장이 은행 및 저축은행의 수익성과 신용 공급에 미치는 영향을 패널 자료를 이용하여 분석하였다. 분석 결과, 핀테크 등장에 따라 은행업의 경우 기존 은행에서 수익성 지표인 NIM이 감소하고 여신이 증가하는 것으로 나타났다. 저축은행의 경우에도 핀테크 등장에 따라 수익성 지표가 은행과 유사하게 감소하는 것으로 나타났다. 이는 핀테크 등장에 따른 경쟁촉진으로 인하여 은행 및 저축은행 산업에서 독점력이 감소하고 혁신 및 효율성이 증가한 결과로 해석되며 금융 소비자에게 바람직한 결과로 보인다. 다만 핀테크가 이처럼 금융 소비자들에게 전반적인 편익을 가져오더라도 개별 금융 기관의 입장에서는 경쟁 격화에 따른 수익성 감소, 핀테크 투자비용 증가 등의 어려움을 겪을 가능성이 크므로 효과적인 대응 전략을 모색할 필요가 있다.

• 한국시스템다이내믹스연구
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• 제13권1호
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• pp.63-80
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• 2012

This paper is aiming at providing the systems thinking perspective on the collapse of the savings and loan banking system in Korea. Two causal loop diagrams are developed to conduct the analysis: The first is focusing on the structural problems included in the establishment of S&L banking in 1990s. The later is developed based on the project financing mechanism by controlling the credit standard required during the due diligence. The result of this study shows that the main cause of the collapse of the S&L banking is the structural problem connected to real estate market including the failure of regulation.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.369-376
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• 2020

Credit capital from customers' savings deposit (CSD) of banks has an important meaning in the business activities of the banking industry. There are many factors that influence the CSD satisfaction with banks. Certain changes have been made when there are fluctuations due to COVID-19. The article is based on an analysis assessing the factors that influence the CSD satisfaction of Vietnamese commercial banks in the context of COVID-19. The authors use a sample of 1,639 CSD. The results show that there are three variables that positively affect CSD satisfaction, including legal provisions of the Central bank (Legal), policies and mechanisms of commercial banks (Policy), and products of commercial banks (Product). Accordingly, in order to contribute to strengthening this capital mobilization of savings deposit, the Central bank of Vietnam needs to play a pivotal role in the regulations of the banking system to ensure its stability; control well monetary policy, interest rates, and inflation to keep a stable position in the economy; and provide timely financial support packages to enhance the confidence of CSD. Moreover, Vietnamese commercial banks need flexible policies and mechanisms to stimulate CSD; strengthen support on deposit rates for CSD; and diversify products to easily adapt to each CSD's situation.

• 서비스연구
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• 제14권2호
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• pp.117-137
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• 2024

ESG는 모든 기업에게 선택이 아닌 필수 사항이 되었으며, 국내 주요 은행들도 ESG 경영을 적극적으로 실천하고 있다. 은행은 ESG 내부활동 뿐만 아니라 자금공급의 중개자로 ESG 금융을 제공하는 역할을 수행하고 있다. 최근에는 디지털 신기술과 결합하여 친환경 활동 수행 시 우대금리를 제공하는 ESG 금융상품을 출시하고 있다. 그러나, 무분별한 우대금리 제공은 은행의 수익성에 악영향을 미칠 수 있으며, 환경인식 개선에 실질적으로 기여하지 못할 경우 그린워싱(Greenwashing) 문제에 직면할 수 있다. 이에 본 연구는 전기 절약과 연동된 ESG 디지털 적금상품을 연구 대상으로 선정하고, 가입자의 실제 데이터를 통하여 소비자의 환경인식과 저축행동을 실증적으로 분석하였다(표본수 2,478개). 본 연구의 주요 결과는 다음과 같다. 첫째, ESG 디지털 적금상품의 가입 현황을 분석한 결과, 30~50대가 주요 고객층으로 나타났으며, MZ세대는 다른 세대에 비해 전기 절약 실천을 통한 우대금리 달성에 있어 상대적으로 높은 성과를 보였다. 둘째, 소비자의 환경인식은 ESG 금융상품의 목표 달성에 유의한 영향을 미치는 것으로 나타났다. ESG 디지털 적금상품은 저축의 기본 기능에 충실함과 동시에 환경인식을 높이는 데 기여할 수 있음이 확인되었다. 셋째, 환경인식은 소비자의 저축 납입행동을 유도하지 못했으며, 이는 지속적인 소비자 관여가 필요함을 시사한다. 본 연구는 환경인식(Environmental Awareness)과 저축행동이론(Theory of Saving Behavior)을 기반으로 ESG 금융상품의 목표 달성에 미치는 소비자 인식 및 행동을 학문적으로 설명하였다. 연구의 결과는 ESG 금융상품의 우대금리 설계의 적정성이 중요함을 시사한다.

• The Journal of Asian Finance, Economics and Business
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• 제6권2호
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• pp.75-82
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• 2019

The paper aims to investigate the impacts of long-term savings motives on fostering household participation and contribution to savings mechanisms in rural Vietnam. The paper is organized in five parts: introduction, data description, methodology, empirical results, and conclusion. The quantitative methodology is employed and three simultaneous estimation methods, including instrumental variable model, two-step model, and Heckman model are used to test these impacts as well as the robustness of results. In each model, the paper examines the impacts of independent factors on both household participation and household contribution to savings mechanisms. Two sets of independent variables: long-term savings motives (profit-making investment, accumulation for big expenditure, providing for old age, and cost of educations) and control variables (dependency rate, number of people in household, and household wealth) are in each model. A set of dataset of 2,314 households for analysis is obtained from household survey in rural Vietnam. Robust statistical findings indicate that profit-making investment emerged to be the strongest motive fostering household participation to savings mechanisms while other long-term savings motives have little or no impact on fostering household participation to savings mechanisms. In addition, education investment encourages household contribution to savings mechanisms in rural Vietnam.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.1267-1274
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• 2021

This study aims to analyze the effect of corporate communication and service quality on loyalty mediating satisfaction. The population of this study is 384 Islamic bank customers in North Sumatra. This research is quantitative research using the survey method. The number of research samples was 384 customers. Characteristics of this research sample were (1) Savings customers who actively carried out transactions in Islamic banks (2) Savings customers who had used bank services for at least 1 year (3) Savings customers who used services directly and individually. The data analysis technique used in this study was the Partial Least Squares-Structural Equation Model (SEM-PLS) analysis technique, using Warp-PLS 3.0 software. This study investigates the largest Islamic banks in North Sumatra, namely Bank Syariah Mandiri, Bank BNI Syariah, and Bank BRI Syariah. The results show that company communication has a positive and significant effect on satisfaction, service quality has a positive and significant effect on satisfaction, company communication has a positive and significant effect on loyalty, service quality has a positive and significant effect on loyalty, satisfaction has a positive and significant effect on loyalty. There is also a significant effect of satisfaction on the relationship between company communication and loyalty, and the relationship between service quality and loyalty. This study contributes to Islamic banking to increase customer loyalty.

• 아태비즈니스연구
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• 제5권1호
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• pp.1-11
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• 2014

The study provides new empirical evidence on the level of profit efficiency and returns to scale of the Bangladesh banking sector. We employ the Slack-Based Data Envelopment Analysis (SBM-DEA) method to assess the level of profit efficiency of individual banks over the years 2004 to 2011. The empirical findings indicate that the Bangladesh banking sector has exhibited the highest and lowest level of profit efficiency during years 2004 and 2011 respectively. We find that only eight banks have been profit efficient throughout the period under study. The empirical findings seem to suggest that most of the Bangladesh banks have been experiencing economies of scale due to being at less than the optimum size, or diseconomies of scale due to being at more than the optimum size. Thus, decreasing or increasing the scale of production could result in cost savings or efficiencies.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.295-302
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• 2021

In the context of economic growth, the banking system has greatly contributed to a substantial rise in living conditions, connecting savings and investment, and economic growth. Since economic reform in 1986, Vietnam's banking system has increasingly expanded in quality and quantity of banks including state-owned, private-owned, and foreign banks. The aim of this study is to evaluate the main factors affecting employee's performance in the banking system in the case of an emerging economy of Vietnam. Using the pilot study by investigating three experts in a few banks in order to correct the questionnaires, and a mega sample data of 170 observations conducted from bank's staffs, and managers in Hanoi capital of Vietnam, empirical results demonstrate that the independent variables included in the model can explain 67% of the change of the dependent variable of employee's performance, and the rest (31%) can be explained by other reasons. Further, motivation (MO), and working ability (WA) have a positive and insignificant impact on employee's performance, reflecting that motivation, and working ability have insignificantly affected employee's performance. In contrast, four factors, namely, welfare, working environment, cooperation, and education have a positive and significant impact on employee's performance in the case of Hanoi, Vietnam.

• 한국산학기술학회논문지
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• 제10권8호
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• pp.1920-1925
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• 2009

'05. 6월 인터넷 뱅킹으로 인한 최초 사고는 전자금융거래 보호를 위한 보안프로그램 기능을 중지하고, 이용자가 입력한 주요 금융거래정보 즉 공인인증서 비밀번호, 계좌비밀번호, 보안카드 비밀번호 등을 수집하여 이를 전자금융거래에 사용하였다. 이처럼 백신 프로그램이나 개인 방화벽과 같은 보안프로그램의 기능을 우회하는 해킹 툴에 의해 금융정보를 갈취하는 행위는 계속해서 시도되고 있다. 따라서 전자금융거래에 있어 이용자 단말기에서부터 금융기관의 금융거래서버까지 이용자가 입력한 금융거래정보를 안전하게 보호하는 것을 목적으로 전자금융시스템을 구성해야 한다. 본 논문에서는 전자금융거래에서 발생된 위협에 대해 원인을 분석하고, 이를 기반으로 현 전자금융거래인 인터넷뱅킹, 금융자동화기기, 모바일뱅킹에서 보안성 향상을 위해 고려해야 할 보안사항에 대해 기술한다.

• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.293-302
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• 2020

Capital mobilization is a traditional business of commercial banks and is one of the core foundations for the development of a bank. Capital mobilization is the main input in the operation of a bank, and this is also the basis for generating output for credit activities as well as other banking activities. This study aims to determine the main factors that affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected from 403 individual customers were analyzed to provide evidence. The results from the multiple regression analysis by using SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings deposit decision of individual customers from the strongest to the weakest in the following order: the form of promotion, bank brand, service quality, interest rate policy, and employee knowledge and attitude. Besides, the finding showed customers who have high income tend to have a stronger decision on savings deposits in commercial banks. The main findings of this article provide some empirical implications for marketers in banks and serve as a suggestion to improve these factors in order to retain and attract individual customers' savings deposit decisions.