• The Journal of Asian Finance, Economics and Business
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• 제2권1호
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• pp.5-13
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• 2015

This paper aims to provide an overview of customer trust toward Islamic banks, and to study the effect of trust on the selection of Islamic banks services. A total 375 questionnaires were distributed to the three groups of bank customers, i.e. Islamic banks customers, conventional banks customers, and customers of both banks (125 respondents in each group). Trust is measured based on three constructs, namely Ability, Integrity, and Benevolence. To test the hypothesis this study employs Analysis of Variance and Tukey Test. The results show that bank customers have degree of trust towards Islamic banks relatively high enough, although among the respondents had never become customers of Islamic banks. Benevolence as the dimension with the lowest average score revealed the Islamic banks are more believed as a competent and honest bank in carrying out the business than the bank that will work for the benefit of customers. Other findings suggest that degree of trust have significant affects on the decision for using the Islamic banks services. The positive values that embedded in the concepts and systems of the Islamic is the key to improving the competitiveness of Islamic banks.

• 산경연구논집
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• 제9권8호
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• pp.41-50
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• 2018

Purpose - As an important participant in the financial markets, the commercial bank will be impacted by the interest rate marketization. Owing to the special condition of China, this paper tries to explore the impact of operating mechanisms between interest rate marketization and the profitability of the commercial Bank. Research design, data and methodology - This paper applies time series data from 2005 to 2016. Due to the short period of time series, autocorrelation often occurs. Therefore, the fully modified least squares(FMOLS) will be used to conduct an empirical analysis. The reason is that it can move off the autocorrelation between variables and disturbance term. And FMOLS also can make estimated cointegrating parameters closed to normal distribution. More importantly, in order to avoid spurious regressions, the Augmented Dickey-Fuller Test will be used to verify the stationarity of all variables. The total return of asset is treated as the profitability of commercial bank. The net interest spread is treated as a measurement of interest rate marketization. Both are regarded as dependent variables. The non-interest income or gross revenues and impaired loans or gross loans are treated as independent variables. The sixteen representative listed commercial banks are divided into three categories (state-owned, share-holding and city-owned) to conduct an estimation. Results - Via empirical analysis, the findings show that the net interest spread has a positive effect on the profitability of the commercial bank. More specifically, 1% increase in the net interest spread will lead 0.157% increase in the profitability of state-owned commercial bank, 0.269% increase in the profitability of share-holding commercial bank and 0.263% increase in the profitability of city-owned commercial bank. If regarding the sixteen listed commercial city as a whole, 1% increase in the net interest spread will lead 0.267% increase in the profitability of the commercial bank. Conclusions - As the interest rate marketization, the importance of interest rate on the profitability of commercial bank has become more and more significant. The empirical evidences also prove that the net interest spread can bring about the change of the commercial bank's profitability. Therefore, policy-makers of commercial banks should fully understand the operating mechanism between them.

• Journal of the Korean Data and Information Science Society
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• 제25권6호
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• pp.1591-1598
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• 2014

The reviews of the balance sheet of commercial banks showed that loan item constitutes the largest portion of bank's assets. Although the sector has highest rate of profit, it possesses the greatest risk. Identifying factors that can contribute in lifting-up the loan repayment rate of customers of Hawassa district commercial bank is the major goal of this study. A sample of 183 customers who took loan from October, 2005 to April, 2012 was taken from the bank record. Kaplan-Meier estimation method and univariate Cox proportional hazard model were applied to identify factors affecting bank loan repayment rate. The result from Kaplan-Meier survival estimation revealed that the loan repayment rate is significantly related with loan type, and previous loan experience, educational level and mode of repayment. The log-rank test indicates that the survival probability of loan customers is not statistically different in repaying the loan among groups classified by sex. Moreover, the univariate Cox proportional hazard model result portrayed that educational level, having previous loan experience, mode of repayment, collateral type and purpose of loan are significantly related with loan repayment rate of customers commercial bank. Hence, banks should design loan strategies giving special emphasis on the significant factors while they are giving loans to their customers.

• The Journal of Asian Finance, Economics and Business
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• 제9권7호
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• pp.81-91
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• 2022

The aim of this paper was to analyze the determinants of the extent of individual credit rationing at Can Tho Military Commercial Joint Stock Bank (MB). The data was collected from 150 customers according to the systematic random sampling method listed in the bank. This study employed quantitative analysis methods, and Tobit regression model, to test the proposed hypotheses. The results showed that the average loan amount of an individual customer was 1,181.3 million VND, the average credit limit was 48.6%, and the average interest rate was 10.9% per year. Most of the individual customers borrowed money to buy properties. In addition, the analysis results also indicated that individual borrowers still faced some difficulties in accessing bank credit, such as cumbersome procedures, long waiting times, insufficient collateral assets, and loan documents. The results of the Tobit model pointed out that there were five factors affecting the degree of credit rationing to individual customers at the bank, including (1) Collateral, (2) Income, (3) Credit history, (4) Loan purpose, (5) Relationship between borrower and bank. Based on the empirical findings, the possible solutions for the bank and individual borrowers to improve credit efficiency for individual customers at commercial banks are obtained.

• 전기학회논문지P
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• 제63권2호
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• pp.61-68
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• 2014

Function of battery bank stores energy for DC load in general, and DC power system of the nuclear power plant is used to supply DC loads for safety- featured instrumentation and control such as inverter, class 1E power system control and indication, and station annunciation. Class 1E DC power system must provide a power for the design basis accident conditions, and adequate capacity must be available during loss of AC power and subsequent safe shutdown of the plant. In present, batteries of Class 1E DC power system of the nuclear power plant uses lead-acid batteries. Class 1E batteries of nuclear power plants in Korea are summarized in terms of specification, such as capacity, discharge rate, bank configuration and discharge end voltage, etc. This paper summarizes standards of determining battery size for the nuclear power plant, and analyzes duty cycle for the class 1E DC power system of nuclear power plant. Then, battery cell size is calculated as 2613Ah according to the standard. In addition, this paper analyzes performance test results during past 13 years and shows performance degradation in the battery bank. Performance tests in 2001 and 2005 represent that entire battery cells do not reach the discharge-end voltage. Howeyer, the discharge-end voltage is reached in 14.7% of channel A (17 EA), 13.8% of channel B (16 EA), 5.2% of channel C (6 EA) and 16.4% of channel D (19 EA) at 2011 performance test. Based on the performance test results analysis and size calculation, battery capacity and degradation by age in Korearn nuclear power plant is discussed and would be used for new design.

• 대한의용생체공학회:학술대회논문집
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• 대한의용생체공학회 1989년도 춘계학술대회
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• pp.75-76
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• 1989

The blood bank is a field of clinical pathology which requires the most accuratemaintenanceofrecording. Because the mistake in it is directly related to a patient's life. So, the computerization of the blood bank is urgent to maintain a log blook arid to compare the patient's current data with past result. We developed the blood bank management program using 32 bit minicomputer. This is composed of 4 parts; a management of routine test result, special test result, the blood issue and statistics. The management of routine test result handles the patient's information and blood typing and compares above results with the past one of same patient. The management of special test result are for special immunohematologic tests like an irregular antibody, Coombs' test, and etc. Blood issue part records the type of the blood bag, component, and the name of issuer. Statistic part are made to get statistics of each day and each month by the blood type, and the type the blood component. The program is secured by the maintenance of operator's operation history and thu provision of the security code to each operator, without which no one can enter the system and after the content. So the stability and reliability of the data is obtained. This program will be upgraded for bar-code using system in the near future.

• 재무관리연구
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• 제26권2호
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• pp.63-91
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• 2009

This paper tests the validity of pecking order theory by Myers(1977) and Myers and Majluf(1984) on Korean manufacturing firms listed in the KRX for the years of 1994 to 2003. We also want to see if there is any difference in financing behavior between chaebol affiliated firms and non-chaebol affiliated firms. We develop testable hypotheses from the idea that established relationship between bank and firm mitigates the problem of information asymmetry (Kang and Lim, 2001), and thus makes it easier for firms to raise funds through banks. The test result of the first stage shows that firms prefer cash reserves to debt financing, and prefer debt to equity. Chaebol affiliated firms are found to behave as if they already exploit internal capital markets. The second stage of the test carried out by dividing debt capital into bank loans and corporate bonds also shows a consistent pattern of financing behavior. Firms are testified to prefer cash to bank loans, bank loans to corporate bonds, and corporate bonds to equity. In this case chaebol affiliation seems to make firms behave as if they already establish internal capital markets. Further analysis shows that some, though not in every case, difference of ordering around the occasion of Korean financial crisis exists. It may be from the change of attitude of Korean firms to risk, or from weakened influence of internal capital market along with strengthened market power in the post-crisis period.

• 한국지반공학회논문집
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• 제31권2호
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• pp.65-73
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• 2015

제방을 보호하기 위하여 법면에 설치되는 호안공사는 국내외 설계기준에 의하여 하상과 호안법면에서의 최대 소류력을 산정하여 제방 사면에 평균적인 개념으로 적용하고 있다. 최근에는 기후변화로 인한 극우강우가 많아지고 호안의 안정성을 위한 평가기법이 제시되지 않기 때문에 호안사면의 수리학적 안정성과 지반공학적 파괴거동의 적절한 평가가 필요하다. 본 연구에서는 하천사면을 보강 시, 최대소류력에 견딜 수 있는 강도를 기존재료인 원지반과 지반개량재를 비교하였다. 지반개량재의 다양한 역학적 실험을 통하여 원지반토와 지반개량재의 함유량에 따른 최적의 혼합비율과 적절한 강도의 양생일을 예측할 수 있었다. 세굴률 시험결과를 바탕으로 원지반토와 지반개량재 혼합토의 허용소류력을 비교 분석한 결과, 호안 제방의 비탈면을 보강하기에 충분한 강도증진과 그에 따른 안정성을 확인할 수 있어 하천호안의 세굴과 침식 방지효과가 있으리라 판단되었다.

• 한국농공학회논문집
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• 제65권1호
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• pp.51-59
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• 2023

The study is to evaluate the effect of bank protection concrete block products to streams and soils. The effect on three types of bank protection concrete blocks was evaluated.. The first type was manufactured using fly ash, and the second and third type products used fine blast furnace slag powder. The laboratory and field Experiments test results showed the pHs of 9 or less. Also, any heavy metals were not detected in the heavy metal leaching tests. Although some iron (Fe) was partially detected, it still met the water quality standards. In addition, heavy metal was detected from all blocks by the US drinking water evaluation standards method. An on-site water quality and soil contamination tests were performed at the places that the blocks were implemented in practice. The test results showed that the application of the bank protection concrete block product did not lead to the water and soil quality degradation. Therefore, it was found that the hardened bank protection concrete block product did not elute harmful substances such as heavy metals that affect water and soil quality degradation.

• The Journal of Asian Finance, Economics and Business
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• 제5권2호
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• pp.15-24
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• 2018

The study examines the magnitude of economic spillover and the impact of foreign direct investment (FDI) inflows on the efficiency of the bank industry in China. This study employs unit root tests, cointegration tests and cointegrating regression analysis, including fully modified ordinary least squares (FMOLS), canonical cointegrating regression (CCR) and dynamic OLS (DOLS) to test the proposed hypotheses. The sample is restricted to the period of time in which monthly data is available and comparable among variables for the period from January 2002 to October 2013 (142 observations). All of the time series data was collected and retrieved from the People's Bank of China, China Monthly Statistics from the National Bureau of Statistics of China, and International Financial Statistics database from International Monetary Fund. The results of the Johansen cointegration test suggest that there is a long-run equilibrium relationship between FDI inflows, foreign exchange rate and banks performance in China. The results of cointegrating regression analysis using FMOLS, CCR and DOLS suggest that M2 supply and FDI inflows are significant at the 0.01 level. The results confirm that FDI inflows in the banking sector are positively related to the increase of banks productivity and performance and short-term loans in China. However, the results suggest that Chinese Yuan currency exchange rate to U.S. dollar is not significant in the banking and financial industry of China.