• 한국의상디자인학회지
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• 제17권4호
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• pp.191-200
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• 2015

The purpose of this study is to analyze the difference of educational institutions and majors on Learning Participatory Motivation of Lifelong Education Organizations of Universities and Job Technical Colleges that are operating academic degrees on bachelor of fashion and associate of industrial arts in Academic Credit Bank System. The significance of this study is to provide basic information for educational institutions to promote efficient operation and devise a strategy for reinforcing educational competitiveness according to individual Learning Participatory Motivation and purpose of learners. In this study, educational institutions were classified into Lifelong Education Organizations of Universities and Job Technical Colleges operating academic degrees in Academic Credit Bank System. Degrees were divided into bachelor of fashion and associate of industrial arts, and majors were divided into fashion design and fashion business for bachelor of fashion and fashion design and fashion business for associate of industrial arts. Looking at Learning Participatory Motivation of learners, factors selected by learners as considerations for registration and selection of currently affiliated educational institution were found to be 'acquisition of degree at a university' and 'acquisition of degree' for Lifelong Education Organizations of Universities and fashion design major, and 'for employment' and 'acquisition of new knowledge and skill' for Job Technical Colleges and fashion business major.

• 수산해양교육연구
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• 제20권1호
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• pp.68-77
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• 2008

The purpose of this study is to examine the organization of the standard liberal arts curriculum in accordance with the academic credit bank system (ACBS). With the growth of the system, the standard curriculum of the ACBS turned out to have many problems which have to be solved for securing and maintaining the quality of the system. In an attempt to improve the standard liberal arts curriculum of the ACBS, the study analyzed the problems of standard liberal arts curriculum of the ACBS according to three criteria: the organization of subjects in the six liberal arts curriculum areas, the completion of liberal arts and the exchange subjects between majors and the liberal arts. Based on the results of the analysis, the study suggests ways to improve standard liberal arts curriculum. In the future, research needs to be conducted to explore ways to implement the proposed standard liberal arts curriculum of the ACBS in real contexts.

• 동서간호학연구지
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• 제21권1호
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• pp.36-42
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• 2015

Purpose: This study was conducted to identify the level of job stress and to determine factors influencing job stress among nurses currently under Academic Credit Bank (ACB) system. Methods: The participants were 153 nurses who has taken courses of ACB system. Data were collected through self-report questionnaires and then analyzed with t-test, ANOVA, Pearson correlation coefficients, and multiple linear regression with SPSS/WIN 18.0. Results: The score of job stress showed significant differences according to age, marital status, total period of clinical career, and nursing unit. Job stress had significant negative correlation to professional self-concept and organizational commitment. The factors influencing job stress were marital status, professional self-concept, and organizational commitment. Conclusion: The results suggest that various factors should be considered in development and implementation of programs to reduce the job stress of nurses currently under ACB system.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.647-654
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• 2021

This study examines the non-performing loans of rural banks and macroeconomic factors in Indonesia, including inflation, exchange rates, and interest rates. Theoretically, the existence of erratic macroeconomic conditions can affect the level of non-performing credit risk in rural credit banks in Indonesia. The effect of macroeconomic conditions on non-performing loans has a different response for each economic sector. The main objective of this study is to determine the effect of macroeconomic factors (inflation, exchange rates, and interest rates) and bank-specific factors (credit) on the Non-Performing Loans (NPL) of Rural Banks in Indonesia for the period from January 2015 to December 2018. This study uses a Vector Error Correction Model (VECM) estimation to determine the effect of independent variables consisting of macroeconomic factors and bank-specific factors. Based on the estimation results of the Vector Error Correction Model, three variables that have a positive and significant effect on long-term non-performing loans are credit, inflation, and interest rates. Meanwhile, in the short term, there are only two variables that have a positive and significant effect on non-performing loans, namely, credit and interest rates. Inflation and exchange rate variables have a negative and insignificant effect on bad credit in the short term.

• 경영정보학연구
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• 제1권1호
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• pp.51-61
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• 1999

• The Journal of Asian Finance, Economics and Business
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• 제9권4호
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• pp.197-212
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• 2022

The study uses the audited financial statements of 26 Vietnamese commercial banks listed on the Ho Chi Minh City Stock Exchange (HOSE) and Hanoi Stock Exchange (HOSE) during the 2008-2018 period to estimate the system GMM model, which provides empirical evidence on the effect of the variables of customer deposit to total assets (DEPO) ratio, loan to assets (LTA) ratio, liquidity of commercial banks (LIQ), credit development (CRD) ratio, external funding (EFD) ratio, and credit loss provision (LLP) ratio on liquidity risk. The study confirms that commercial banks' internal factors play the most important role, and there is no empirical evidence on macro variables that affect liquidity risk. Finally, in accordance with the theoretical framework, the study uses an estimation method with the R language and the bootstrap methodology to give empirical proof of the nonlinear correlation and U-shaped graph between commercial bank size and liquidity risk. The importance of commercial bank size in absorbing and moderating the effects of liquidity shocks is demonstrated, however, excessive growth in commercial bank size would increase liquidity risk in commercial bank operations.

• 한국콘텐츠학회논문지
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• 제20권5호
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• pp.11-22
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• 2020

학점은행제는 평생학습사회를 구현하기 위한 교육 시스템이다. 이 시스템의 조건을 충족한 학습자는 전문대, 4년제 대학교의 학위와 동등한 학사 학위를 취득할 수 있다. 이 학습자의 학점과 학위 정보는 중앙 기관에 기록되어 관리되고 있다. 그러나 이러한 시스템은 중앙관리로 인해 해킹 등과 같은 보안 문제가 발생할 수 있다. 본 논문에서는 블록체인 기술을 기반으로 학점과 학위 정보를 관리할 수 있는 학점은행제 시스템을 제안한다. 제안된 시스템은 학점과 학위 정보는 블록에 저장되고 영구적인 방식으로 공개 원장에 기록된다. 블록들은 해킹과 조작 등의 보안 문제를 개선하기 위해 분산 네트워크 환경에서 블록체인 형식으로 연결되어진다. 또한 중앙 기관의 기능들이 네트워크 참여자들에게 분산되기 때문에 학점 은행 관리의 효율성이 증대될 수 있다. 제안된 시스템의 프로토타입은 Go-Ethereum 플랫폼에서 구현되었으며 스마트 컨트랙트를 사용하여 참여기관 간의 블록체인 정보를 실험적으로 검증하였다.

• 무역상무연구
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• 제44권
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• pp.85-107
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• 2009

L/C allows the exporter to have a bank's payment undertaking against shipping documents required by L/C. This means that the exporter can take export proceeds from a L/C issuing bank regardless of importer's payments and therefore the L/C better mitigate importer's credit risk compared to remittance and collections. Recently the use of L/C has been on down trend in line with increasing use of T/T, causing a big change of payment system. This tells that the payment method change in Korea is positive as the change also happens same in developed countries. This however gives more buyer's credit risk to exporters and therefore a systematic solution to this negative effect is required. In Korea, export credit insurance has been widely used to cover the buyer's credit risk. But the export credit insurance is limited because of lack of government's financial support and strict evaluation of buyer and exporter. Now Korea is ranked 10the largest trading country and therefore the exporters shall find another source for credit risk protection elsewhere. And as such this paper suggest International Factoring as a tool for the credit risk protection. The International Factoring gives advantages to the exporter in terms of credit protection and advances by purchasing account receivables on a without recourse basis.

• International Journal of Quality Innovation
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• 제5권2호
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• pp.1-16
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• 2004

Credit scoring is widely used to make credit decisions, to reduce the cost of credit analysis and enable faster decisions. However, traditional credit scoring models do not account for the influence of noises. This study proposes a robust credit scoring system based on Mahalanobis-Taguchi System (MTS). The MTS, primary proposed by Taguchi, is a diagnostic and forecasting method using multivariate data. The proposed approach's effectiveness is demonstrated by using real case data from a large Taiwanese bank. The results reveal that the robust credit scoring system can be successfully implemented using MTS technique.

• 통상정보연구
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• 제12권2호
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• pp.85-107
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• 2010

A comprehensive electronic trade portal such as the electronic bills of lading, e-negotiations and so on, is developed by the Korea Ministry of Knowledge Economy and International Trade Association and serviced by KTNET. The portal, so called u-TradeHub, formally started to provide its services on 22nd May, 2009. If the shipper issues electronic bills of lading, the negotiating bank examines it through the established e-Nego system. However, the issuing bank overseas cannot examine the electronic bills of lading, because any interactive system does not exist. So, after the e-Nego, the electronic bills of lading gets automatically transformed into the paper-type electronic bills of lading and issuing bank examine paper B/L. In process of examining documents, the beneficiary using electronic means in letter of credit transactions may face some risks such as the corruption to the electronic bill of lading after its issuance by the carrier, the corruption after e-Nego and the corruption after the presentation to the issuing bank. In this paper, we studied the problems on corruptions to occur in the middle of the examination process of the electronic bills of lading and suggestions how to solve them are discussed.