• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.377-388
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• 2020

The research identifies hypotheses evaluating the impact of board characteristics on the risk of the commercial bank as well as examining the determinants of bank risk in Vietnam over a 10-year period, starting from 2008. Also, in this research, the differences between the roles of women and men in decision-making are tested. Based on this decision, risks of the banks may arise. Ordinary least squares(OLS) regression, Random effect method, and Fixed effect method are used to estimate the factors that have an impact on bank risk for dataset of all commercial banks in Vietnam. The results found that equity-to-asset ratio, bank performance and the economic growth have an inverse relationship with bank risk, while the size of bank has a positive relationship with the bank risk. One of the highlights of this paper is a demonstration of the relationship between CEO's gender and bank risk. The test result shows that the bank led by a female faces a higher overall risk level and credit risk than a bank led by a male. Based on this result, the paper also makes recommendations to Government, the State Bank of Vietnam and the commercial banks for effective risk management.

• 산경연구논집
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• 제9권9호
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• pp.15-23
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• 2018

Purpose - The purpose of this paper is to examine the determinants of non-bank depository institutions (non-bank financial corporations) lending to firms. The paper aims to contribute to the existing literature by providing empirical evidence from firm-level data and unveiling factors related to access to non-bank financial corporations by firms. Research design, data, and methodology - We used the data on borrowing by firms from CRETOP from years 2008 to 2011. Using the manufacturing industry, we examined what firm-level characteristics explained the increase in borrowing from non-bank financial corporations rather than the banks. Results - Analyzing the firm-level data from 2008 to 2011, we found that firms were more likely to borrow from non-bank financial insti­tutions as the size of the firm increases, implying that large firms have more access to non-bank financing than small and medium-sized firms. In addition, it also showed that small and medium-sized firms moved to non-bank financial corporations for loans. Conclusion - Non-bank depository institutions are not a sub­stitute for bank lending to firms. More specifically, they replace bank lending to firms mostly for large firms rather than small and medium-sized firms. Also, collateral and other firm-level characteristics do not matter in accounting for non-bank lending to firms.

• 한국실내디자인학회논문집
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• 제16권3호
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• pp.10-20
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• 2007

The materials on the development of modern architecture in Korea are being collected and organized in a systemic fashion. However, this is not the case with the materials relative to interior design. They are gradually disappearing or being lost. In particular, no serious attempt has yet been made to determine the characteristics and historic value of the interior design of the modern bank buildings. The purpose of this study is to trace the disappearing legacy of the interior design of modern bank buildings by learning the inner space arrangements of these buildings and the characteristics of modern interior design in order to determine the historic significance of modern commercial interior design. Banks of relatively large scale were selected for the purpose of this study. They consisted of: Chosun Bank(1911) and its Andong, Wonsan and Cheongjin branches; Chosun Shiksan Banks and its Busan, Daegu and Pyongyang branches; the Busan branch of the 18 Bank; Dongil Bank, Chosun Savings Bank(1935) and their branches. The study focused on the space arrangements and design characteristics of these banks. Although they aimed at modernization in designingtheir interior spaces, the modern bank buildings were not representative of any particular style of interior design. While western style designs were prevalent, eclectic designs incorporating many different styles existed. The characteristics of the interior design of banks of the time included installation of such decorations and use of high quality construction materials for interior and exterior expressing the wealth as to create an aura of credibility for the banks, while the floor arrangements were relatively stereotyped and simplified.

• 산경연구논집
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• 제9권5호
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• pp.37-46
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• 2018

Purpose - This paper explores the determinants of bank lending to firms during and after the global financial crisis using firm- and bank-level data to answer the questions what caused the contraction of lending to firms despite the loosening monetary policy during this crisis period. Research design, data, and methodology - We investigate the effects of the monetary policy that followed the global financial crisis on firms borrowing. We use a dynamic panel model to address how firms lending respond to monetary policy. The data are obtained from CRETOP and we consider the manufacturing sector for the analysis to control for unobserved heterogeneity such as industry-specific shocks. Results - The findings from the empirical analysis suggest that both bank- and firm-level characteristics are significant determinants of bank lending. Especially, we find that corporate risk, measured by default risk, is one of the key factors that led to a decline in lending during the crisis. Conclusions - This paper shows that companies borrow more from liquid banks, and high bank capital can also contribute to an increase in a firm's borrowing from banks. Especially, the results confirm that the default rate measured at the firm level has increased during and after the global financial crisis, which implies that default risk interplays with other firm and bank-level characteristics.

• 한국경영과학회지
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• 제37권3호
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• pp.1-12
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• 2012

The research mainstream has focused on improving the competitiveness throughout the reinforcement of customer satisfaction and loyalty in the banking industry, but there is still a lack of research that reflects characteristics of banking services. From a customer point of view, this study considers a variety of bank characteristics such as levels of interest rate, numbers of transaction banks, monthly average balance, and age. In line with this observation, the main objective of the current research is to investigate the relationship between bank characteristics and ongoing transaction intentions with a particular bank using a categorial regression analysis and in turn, provide insights for managers. First, the findings show that deposit interest rate is insignificant for leading customers to ongoing transaction intentions, but loan interest rate is significant when customers are satisfied with a loan interest rate. Second, if customers only transact their banking services with a particular bank, they are more likely to deal with the bank, rather than customers who transact additional one or two banks. Third, in the case of monthly average balance, customers who have more than \100 million wons per month are likely to switch other competitors. Finally, old customers are more stable than young customers when they consider to switch the relationship with a bank. The author provides insights for bank managers and discusses research limitations and further directions of the study.

• 한국항해항만학회지
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• 제46권2호
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• pp.82-91
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• 2022

When a ship moves in the proximity of the lateral bank, bank suction forces are generated due to bank effects. Thus, hydrodynamic forces can significantly impact the ship's maneuverability and navigation safety. In this study, model tests were performed to investigate the hydrodynamic forces exerted on a ship, especially suction forces caused by bank effects, using captive model and bank effect tests. A low-speed condition was selected in this study, because of the perilous situation as the ship moves close to the bank. The accuracy of the hydrodynamic forces exerted on the hull was verified, by comparing the results of the static drift test with the results obtained from other institutes at design speed. The straight simulation caused by bank effects was then implemented using estimated hydrodynamic coefficients.

• Spatial Information Research
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• 제5권1호
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• pp.11-26
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• 1997

본 논문은 제2의 금융중심지로 부상하고 있는 강남구를 사례로 GIS 기법을 활용하여 은행점포의 입지를 분석하였다. 금융자율화 이후 급격한 증가추세를 보이고 있는 은행점포의 수는 상당한 지역적인 편재현상을 나타내고 있다. 통계기법을 활용하여 은행 입지에 영향을 주는 입지요인을 추출하였고, 은행이용 고객들에 대한 설문조사를 통하여 은행점포의 상권을 조사하였다. 이러한 기초자료를 바탕으로 하여 GIS기법을 활용하여 입지분석을 실시하였다. 먼저 은행이용고객들에게 최적의 서비스를 공급할 수 있는 목적함수를 토대로한 입지-배분 모델을 적용하여 추출된 입지와 현재의 은행점포의 입지를 비교하였다. 또한 그리드 연산 기법을 활용하여 잠재 수요력과 잠재 공급력의 차이를 통해 앞으로 은행점포의 신규 설립이 가능한 지구를 추출하였다. 본 연구를 통해 GIS기법을 활용하여 입지분석을 실시하는 경우 제한점과 앞으로 해결되어야 할 문제점에 대해 논하였다.

• 대한지역사회영양학회지
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• 제11권5호
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• pp.618-628
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• 2006

The purpose of this study was to examine the donators' characteristics and donative foods of both government-dominant and non-governmental food bank program, to understand the problems and benefits of food bank program, and to find the solutions to activate food bank program. The questionnaires were distributed to 120 food bank operators and 3 donators were selected from each food bank for the survey from April 2002 to May 2002. 118 sheets (32.8%) from government-dominant food bank and 53 sheets (20.1%) from non-governmental food bank were collected. The main results of this study were as follows: The largest donators to either government-dominant or non-governmental food bank programs were bakery and confectionery companies 31.4% and 45.3% respectively. The majority of donated foods were 'goods in stock' (55.6%) and frequency of donation were largely on a daily basis (27.1% for government-dominant and 22.6% for non-governmental). Some of the donators who had more donative food did not donate, and the reasons were closeness to expiration date of food (67.3%), lack of legal protection in the event of food poisoning (54.5%), and poor public image of food related accidents (52.3%).

• International Journal of Naval Architecture and Ocean Engineering
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• 제7권4호
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• pp.691-698
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• 2015

The hydrodynamic interaction forces and moments induced by the vicinity of bank on a passing vessel are known as wall effects. In this paper, the characteristics of interaction acting on a passing vessel in the proximity of a semi-circle bank wall are described and illustrated, and the effects of ship velocity, water depth and the lateral distance between vessel and semi-circle bank wall are discussed. For spacing between ship and semi-circle bank wall (SP) less than about 0.2 L and depth to ship's draft ratio (h/d) less than around 2.0, the ship-bank interaction effects increase steeply as h/d decreases. However, for spacing between ship and semi-circle bank wall (SP) more than about 0.3 L, the ship-bank interaction effects increase slowly as h/d decreases, regardless of the water depth. Also, for spacing between ship and semi-circle bank wall (SP) less than about 0.2 L, the hydrodynamic interaction effects acting on large vessel increase largely as ship velocity increases. In the meantime, for spacing between ship and semi-circle bank wall ($S_P$) more than 0.3 L, the interaction effects increase slowly as ship velocity increases.

• 한국농공학회지
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• 제44권2호
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• pp.81-98
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• 2002

The condition of initial movement far the river bank protection using rip rap is a limit condition beyond which the lining is progressively destroyed as the separate elements are removed by the flow. In the case of the river bank protection using gabion mattress, however, after the initial movement the containment offered by the mesh remains. A new situation of equilibrium with a deformed river bank protection using gabion mattress is obtained, allowing it to withstand more severe conditions without compromising the resistance and without further deformation. Shield's coefficient for the river bank protection using gabion mattress is twice the value of that fur river bank protection using rip rap. This means that with the same hydraulic behavior conditions, the average dimension of the rocks to be used in the river bank protection using gabion mattress is half that of river bank protection using rip rap rock. When the same size rocks are used the allowable velocity for the river bank protection using gabion mattress is more than twice, even as much as 3 or 4 times that for river bank protection using rip rap.