• International Commerce and Information Review
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• v.12 no.3
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• pp.35-53
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• 2010

In connection with a non-cash payment through the banking system, "finality of payment" has acquired diverse meanings. In according to Section 4A-209(2), the acceptance by the beneficiary's bank by means of receiving payment "pursuant to section 4A-403(a)(1) or 4A-403(a)(2)," constitutes final settlement through a Federal Reserve Bank or through a funds-transfer system" or credit to the account of the beneficiary's bank. Above of all, Acceptance by beneficiary's bank is the most important. According to 4A-209(b), the beneficiary's bank can accept a payment order in one of four ways : First, by paying the beneficiary; obligating itself to pay the beneficiary or, Second, by notifying the beneficiary of receipt of the order or notifying the beneficiary that its account was credited or, Thirdly, by receiving full payment from the sender's order or Lastly, by passage of time, i.e., the opening of the next funds transfer business day of the bank following the payment date of the order. A beneficiary's bank is considered to have accepted a payment order when the earliest of the four means of acceptance occurs.

• Journal of dental hygiene science
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• v.7 no.3
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• pp.153-159
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• 2007

To investigate requirements for the process of credit bank system in life-long education institutions attached to colleges, this research was conducted with seniors at the departments of dental hygiene and dental laboratory technology, in the health line of the specific College from March 26 to April 15, 2007, followed by analysis using an SPSS/WIN 12.0 program, obtaining the following results. 1. 89.7% of the respondents had a plan to take a bachelor's degree and 56.1% of whom had such a plan for the purpose of personal development (p<0.05). 2. 73.5% of the respondents preferred the credit bank system in a lifelong education institution attached to a college to take a bachelor's degree. 3. 34.8% presented the greatest advantage of taking a bachelor's degree through the credit bank system that they could take a degree in a short period of time while 33.8% presented the most serious disadvantage that they might low social recognition. 4. As for requirements for the process of operating the credit bank system, 80.3% regarded required subjects for the major as appropriate basic ones. 79.9% regarded it as proper that filling more than 20 credits made it possible to take a degree. 5. As directions for improving the system, it was found that the students was thinking that strict academic record management is needed, and the degrees from the system must be recognized equally to those in regular colleges, social awareness in those degrees should be enhanced, and also credits assigned to cultural subjects should be reduced, and the limitation in the number of credits being able to be obtained in one center should be removed.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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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.

• Journal of Digital Convergence
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• v.18 no.11
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• pp.311-318
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• 2020

This study was done to explore the correlation among self-determination, learning commitment and learning outcomes and identify factors related learning outcomes under academic credit bank system. The survey was conducted self-report questionnaire. The data collection period was form April to November 2018. Participants were 144 registered nurses working currently under academic credit bank system. Collected data were analyzed using SPSS/WIN 24.0. Learning outcomes had a positive correlation with self-determination and learning commitment. learning commitment. Self-determination was positively correlated learning commitment. Factors affecting learning outcomes included self-determination and learning commitment. And self-determination and learning commitment accounted for 32.1% of the variance in learning outcomes. Therefore, developing learning outcomes support for improving self-determination and learning commitment. Future research will be needed to clarify the effects of learning outcomes promotion program on self-determination and learning commitment.

• Journal of the Korea Fashion and Costume Design Association
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• v.19 no.3
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• pp.89-97
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• 2017

The purpose of this study is to analyze the difference and influence of educational institutions and majors on education service quality, learning satisfaction, and educational institution loyalty, and to provide information on an Academic Credit Bank System appropriate for the two types of education institutions and learners. Looking at the difference in education service quality, learning satisfaction and educational institution loyalty, Lifelong Education Organizations of Universities showed positive awareness compared to Job Technical colleges. Especially, differences in awareness regarding quality of education facilities were largest, followed by educational institution loyalty and learning satisfaction. Looking at the difference in awareness according to educational institution and majors, learners at Lifelong Education Organizations of Universities had positive awareness compared to Job Technical colleges in terms of quality of facilities, learning satisfaction and educational institution loyalty. No difference was found according to major. Looking at the effect of awareness of education service quality on learning satisfaction and educational institution loyalty, factors of education service quality affected learning satisfaction in the order of education>administration>facilities for Lifelong Education Organizations of Universities, and the effect on educational institution loyalty was found in the order of administration> education with no effect shown by facilities. For learners at Job Technical colleges, factors of education service quality affected learning satisfaction in the order of administration>education>facilities. Influence on loyalty to educational institution was found in the order of administration>facilities>education.

• Journal of dental hygiene science
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• v.7 no.4
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• pp.287-293
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• 2007

As a result of having surveyed and analyzed recognition and requirement of dental hygienists for Academic Credit Bank System, the recognition on Academic Credit Bank System accounted for 70.8%, and in terms of information media recognized, surrounding people were the highest with 52.4%. And, in case of the response as saying of being willing to participate, an opportunity of acquiring a bachelor's degree accounted for 24.0%, and in case of the response as saying of being unwilling to participate, the lack of time that will take part in education activity accounted for 13.7%, thereby having been surveyed to be the most preferential choice, respectively. The importance by sphere in course programs was indicated to be the sphere of preventive dental treatment with 3.61, the sphere of dental management with 3.38, the sphere of oral health education with 3.09, the sphere of medical-treatment coordination with 2.82, and the sphere of community dental health with 2.11 in order. The importance by field of sphere in course programs was indicated to be high in the field of oral health education by subject with 2.30 for the field of sphere in oral health education, in the field of plaque control and oral prophylaxis with 3.53 for the field of sphere in preventive dental treatment, in the field of management of the fluoride mouth-rinsing programme with 2.86 for the field of sphere in community dental health, in the field of counselling with 3.24 for the field of sphere in dental management, and in the field of medical-treatment assistance with 1.53 for the field of sphere in medical-treatment coordination.

• Journal of Digital Convergence
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• v.17 no.4
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• pp.123-136
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• 2019

This study is to provide a method to increase the credit rating of the company by examining and managing the executive competency of the CEO of SMEs and Venture Firms. We analyzed the importance and priority of AHP by surveying bank loan staff and CEOs. According to the analysis results, ethics management, strategic thinking, and expertise level were the highest in the relative importance of bank loan staff. The relative importance of CEOs was higher in order of marketing, bank transaction reliability, and financing. Result of this study is similar to the relative importance of the previous research. This study suggests to disclosing credit rating system and reflect the opinions of the CEO in order to protect financial consumers. The significance of this study is to present the factors and the importance that can help to develop advanced models.

• The Journal of Industrial Distribution & Business
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• v.13 no.10
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• pp.1-8
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• 2022

Purpose: Support vector machines (SVMs) ensemble has been proposed to improve classification performance of Credit risk recently. However, currently used fusion strategies do not evaluate the importance degree of the output of individual component SVM classifier when combining the component predictions to the final decision. To deal with this problem, this paper designs a support vector machines (SVMs) ensemble method based on fuzzy integral, which aggregates the outputs of separate component SVMs with importance of each component SVM. Research design, data, and methodology: This paper designs a personal credit risk evaluation index system including 16 indicators and discusses a support vector machines (SVMs) ensemble method based on fuzzy integral for designing a credit risk assessment system to discriminate good creditors from bad ones. This paper randomly selects 1500 sample data of personal loan customers of a commercial bank in China 2015-2020 for simulation experiments. Results: By comparing the experimental result SVMs ensemble with the single SVM, the neural network ensemble, the proposed method outperforms the single SVM, and neural network ensemble in terms of classification accuracy. Conclusions: The results show that the method proposed in this paper has higher classification accuracy than other classification methods, which confirms the feasibility and effectiveness of this method.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.105-115
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• 2020

The study empirically examines the effects of loan portfolio diversification on bank risk and return in the nascent banking market of Vietnam. Loan portfolio diversification is captured through the Hirschman-Herfindahl index and the Shannon Entropy with sectoral exposures. We access each bank's financial reports to collect the required data, especially the breakdown of sectoral loan portfolios, thus constituting a unique dataset. To compute bank return, we use the traditional accounting indicators, including return-on-assets, return-on-equity, and net-interest margin. For bank risk, we utilize the loan-loss provisions and non-performing loans relative to gross customer loans. Using a sample of 30 commercial banks over the period from 2008 to 2019 and the system generalized method of moments estimator for the dynamic panel, we indicate the downsides of portfolio diversification. Concretely, we observe that all diversification measures exhibit significantly negative signs in all regressions across different bank return proxies. At the same time, the estimates display the significant and positive impact of diversification on the non-performing loan ratio. Hence, sectoral loan portfolio diversification significantly hampers bank performance in both aspects of lower return and higher credit risk. The results are robust across a rich set of bank performance and portfolio diversification measures.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.3
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• pp.43-51
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• 2022

This paper examines the main factors affecting the bank performance under the Basel II implementation in Vietnam, a transitional economy in Asia. We pay special attention to the implementation duration of the Basel II convention and how it affects profitability. Thereby, we can evaluate the effectiveness of Basel II in the whole system according to the roadmap to 2020. We employ the panel data regression method to analyze a sample of 300 bank-year observations from 25 commercial banks during the 2008-2019 period. Our empirical findings show that the size of the bank, net interest margin, state ownership, and Basel II convention have positive effects on bank profitability. However, our empirical findings indicate that bank age and branch number negatively reduce bank performance. Finally, our results indicate that commercial banks earn extra profit from delaying the implementation of Basel II. However, commercial banks will encounter higher credit, and operational risks arising from delaying the implementation of Basel II standards. Therefore, our study contributes to the insights into the bank's management to enhance profitability, especially after implementing Basel II in a transitional economy. Finally, our study also provides policy implications for bank managers and banking supervisory to maintain the sustainable development of the banking system.