• Journal of the Korea Society of Computer and Information
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• v.12 no.1 s.45
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• pp.205-217
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• 2007

The purpose of this paper is to measure and analyze the efficiency of management in general bank. Each bank was analyzed to find out the efficiency and classified as efficient and inefficient bank. To the inefficient bank, the inefficient part and the extent are round out, the improvement methods of efficiency are suggested, and the effects of scale of bank on management efficiency by BCC model are analyzed. And, the differences between commercial bank and local bank also are examined. Empirical main results are as follows: Frist, After 2000, both of commercial and local bank shows the continuous improvement of the management efficiency. Second, the relative efficiency of management of commercial bank is higher than local bank except 2004. Third, there are differences in variables except equity ratio and no differences appeared in the management efficiency between commercial bank and local bank. Fourth, there are no influences or negative influences by M&A and reconstruction among banks in the effect of scale to the management efficiency.

• 사회경제평론
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• v.31 no.2
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• pp.71-104
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• 2018

The purpose of this study is to reveal the significance of regional loan-to-deposit ratio and local banks through Post-Keynesian endogenous monetary theory. According to endogenous monetary theory, banks, rather than financial intermediaries, are credit creation agencies that create deposit money through loans. On the other hand, according to the existing view which interprets bank as a financial intermediary, it is seen that the higher the loan-to-deposit ratio of the deposit bank in a region, the more active the lending activity based on the deposit inflow. However, according to the endogenous monetary theory, the loan-to-deposit rate is reinterpreted as an indicator of regional balance. Especially, relatively high lending-to-deposit rate of a region is interpreted as follows: money circulation in the region is shrinking due to the outflow of deposits created through loans in the region. In addition, when considering the local based financial practices of local banks, their ability to create credit, and their impact on the real economy, it is necessary to positively review the local bank restructuring policy from the perspective of balanced regional development.

• Journal of Wetlands Research
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• v.16 no.4
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• pp.453-462
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• 2014

The levee and bridge pier in estuary of the Hangang River are exposed in a dangerous condition due to bank erosion and local scouring occurred since the summer season in 2011. At first, it is presumed that the high sandbar formed in river channel of the study area was an important element in the occurrence of bank erosion and local scouring. It can be presumed that the record-breaking depth of freezing due to cold wave for the long term during the winter season between 2010 and 2011 as well as the heavy intensive rainfall of 2011 had a decisive effect on the first damage of A section. The second damage of B section mainly occurred around the bridge pier constructed on the high water channel before it was washed away during the winter season between 2011 and 2012. It is considered that the second damage was caused by ice formation and ice floes.

• Journal of Wetlands Research
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• v.4 no.2
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• pp.57-66
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• 2002

The local storm occurred Nakdong river basin from August 4 to 11 of the year 2002, resulting in a record 500-600mm rainfall. The heavy rain continued for more than 10 days and especially between 3 to 4 am of August 9, 50mm per hour local storm occurred in Hanrim-myun area, Kimhae. 8 days after the storm, the water level of Nakdong river rose rapidly and the river flowed backward the branches. T he draining of the protected low wetland was unable and the water level of the inner bank area rose suddenly, causing the inundation in several areas. Baeksan bank of Nam river, Gahyun(Samhak) bank of Hwang river, and Kwangam bank of Shinban river, where the draining facilities were under construction or constructed recently, were failed by the piping around the draining culvert. This study analyze the cause of the damage in Nakdong river banks and suggests the countermeasures for future improvement. The damaged spot of the river bank was surveyed, and the rainfall and the fluctuation in the water levels were reviewed. Finally for the flood inundation prevention at the inner bank area, new floodplain management plan as the protect of low wetland established.

• Journal of Distribution Science
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• v.21 no.2
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• pp.65-76
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• 2023

Purpose: This study examines the opportunities and challenges of sharia-based regional development bank spin-offs in supporting economic growth and income distribution through a board of commissioner's approach. Research design, data, and methodology: The research design is qualitative research with the main data collection technique through in-depth interviews. Results: The results of the study show that Bank Nagari can support the performance of the West Sumatra government, especially in regional finance. The positive influence is shown in the benefit aspect of 31% and the opportunity of 28% which is the priority value. The challenges that must be faced are technology services, improving the quality of human resources, socialization, and application of local wisdom which is by the philosophical values of the people of West Sumatra Adat Basandi Syara' Syara' Basandi Kitabullah. Conclusions: It can be concluded that the local government of West Sumatra has an essential contribution to the conversion of Bank Nagari to RDB Syariah as a whole. The expected implication is that the local government and shareholders cooperate well in supporting the transformation to realize West Sumatra Mandani through the populist economy of the people of West Sumatra.

• Journal of Information Technology Services
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• v.13 no.1
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• pp.23-42
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• 2014

This study investigates the impact of Internet Banking Systems on the business performance of bank. Although Internet Banking Systems were introduced about 15 years ago in Korea, there were few studies which evidenced the relationship between Internet Banking Systems and the performance of banks. For this empirical investigation, this study collected the panel data of 13 domestic banks over 8.5 years and divided the dataset into two parts-the first half period (2003~2007) and the second half period (2008~2011) in order to examine the dynamic changes in the impact of Internet Banking Systems. The fixed-effects panel regression results were different in the two parts of dataset. Internet Banking Systems showed only cost-efficiency impact in the first half period. However, in the second half period, Internet Banking Systems showed positive impact on the bank profitability. Moreover, the dummy variable regarding local bank showed no additional impact on this result, implying that the impact of Internet Banking Systems was still significant for the local banks. The results will deliver managerial interpretation on the value of Internet Banking Systems and additional implication on the strategic planning of Internet Banking Systems for many domestic banks.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.22 no.3
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• pp.470-475
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• 2021

This paper analyzed the differences in the relationship between banking service automation and employment by bank ownership type. We found significant differences in the restructuring of the labor force and increasing banking service automation between foreign banks (owned by foreign capital) and local banks. Foreign banks showed the possibilities of reducing the regular labor force through the increase in banking service automation. However, banking service automation in local banks has reduced only the number of irregular employees but increased regular employees. This paper suggests new evidence on the differences between foreign and local banks in banking personnel management with the increase in banking service automation. This paper contributes to the preceding research areas of banking, business, and governance. In addition, this paper provides important insights on banking service automation, employment, and foreign banks for banking managers and policymakers.

• East Asian Economic Review
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• v.18 no.3
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• pp.253-276
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• 2014

We examine which traditional asset pricing variables together with bank-specific accounting variables explain the cross-sectional variation of future bank stock returns, using a firm-level data of eight Asian countries. Our empirical evidence shows that exchange rate risk, firm size, the book-to-market ratio, and the net income ratio are important in explaining future bank stock returns during normal times. However, during the Global Financial Crisis period, different variables such as local market beta, illiquidity risk, equity ratio, and off-balance sheets ratio were statistically significant. Thus, researchers and policy practitioners should monitor these variables during normal times as well as during times of crisis.

• Proceedings of the KSME Conference
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• 2003.11a
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• pp.61-66
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• 2003

Fouling is very serious problem in heat exchanger because it rapidly deteriorates the performance of heat exchanger. Cross-flow heat exchanger with vortex generators is developed, which enhance heat transfer and reduce fouling. In the present heat exchanger, shell and baffle are removed from the conventional shell-and-tube heat exchanger. The naphthalene sublimation technique is employed to measure the local heat transfer coefficients. The experiments are performed for single circular tube, staggered array tube bank and in-line array tube bank with and without vortex generators. Local and average Nusselt numbers of single tube and tube bank with vortex generator are investigated and compared to those of without vortex generator.

• Asian Journal of Innovation and Policy
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• v.8 no.2
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• pp.208-237
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• 2019

Serious social problems related to the elderly have appeared in the Gangwon Province because the population in this area is rapidly aging. Gangwon has the highest suicide rate and the highest percentage of single households. In the process of preparing for the super-aging society, Time Bank (TB) System has been actively used in 34 countries, especially in the United States, the United Kingdom, and Japan. In Korea, the Gumi Senior Club has joined this system since 2004. TB is a multilateral exchanged system based on the philosophy that everyone's time is valued equally. Time credits are given to the person who provides social services, such as citizen participation and elderly care. People receive the desired services using time credits or donating them. If this system were applied to the Gangwon Province in accordance with its characteristics, it would help to reduce the elderly's prejudices and manage their diverse health problems. A virtual local currency using IT technologies is needed to boost the regional economy. The elderly's participation in TB is strongly needed. Future research about the effectiveness of health management is then discussed.