• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.8 no.4
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• pp.37-47
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• 2013

This study investigates regional financial markets and proposes some policy measures for boosting up the regional financial system. Financial supports for start-ups, small and medium sized enterprises(SMEs) in early stage growth have been constrained due to expanded financial gaps among regions during financial restructuring period. The bank consolidation through M&A is associated with widening financial gaps between Seoul area and others, and between regions where regional banks survives or not. Loans to small firms are associated with relationship lending techniques that may be better supported by smaller regional banks. The loan rate to SMEs in locals where regional banks are activated has tended to be 10%point higher than the locals where regional banks closed, and also drive the greater contribution for preventing local capital outflow and promoting local capital investment by local penetrating strategy. Government should develop regional financial policies to boost up regional financial system, and expand the business area of regional financial institutions for supporting start-ups and SMEs.

• Journal of the Institute of Convergence Signal Processing
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• v.2 no.3
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• pp.32-38
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• 2001

Multi-carrier data transmission system performance is mostly limited by Inter- symbol-interference that is caused by a dispersive characteristic of the transmission channel. In order to enhance the system performance to meet the service requirements of local access, the channel impulse response shortening method incorporated with a channel frequency response compensation method is proposed. For a fast and efficient implementation of the equalizer proposed, Kalman and LMS algorithms are successively used. To verify the channel equalization performance, a set of computer simulation is performed on a filter bank based multitone system operating in a typical high-speed local area data transmission environment. The results showed us a comparable signal-to-interference improvement over the conventional multitone equalization scheme.

• Journal of the Korean Geographical Society
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• v.39 no.5 s.104
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• pp.755-767
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• 2004

Based on a case study of bank's Automatic Teller Machines (ATMs) in Korea, this paper attempts to reveal dynamic changes occurring across the financial landscape with special emphasis on distribution pattern and location factors. Since the distribution of ATMs showed a concentrated pattern similar to that of bank branches, location quotients were examined to consider the effect of branches on ATM distribution. Furthermore, this study identified four factors that play pivotal roles in the location of ATMs. Compared to branch, location of ATM was more closely related to the population and demand factor, while the importance of local economy base and local economic power factor was reduced to some degree. This difference is attributable to the peculiar characteristic of the services offered by ATM. Lastly, demand factor turned out to be most influential in determining the ratio of ATMs to branches in each district, since lower deployment and operation costs allow ATMs to be more flexibly placed where demand for cash services is high.

• Korean Journal of Construction Engineering and Management
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• v.19 no.1
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• pp.80-89
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• 2018

World Bank projects enable Korean engineering firms to enter new markets and diversify their portfolio. These firms need to understand the critical factors for bidding success in such projects. The World Bank publishes as open records all their bidding history data in their open database. This provides an opportunity to identify empirically the factors that determine which firms on chosen. This research collected relevant bid data, focusing on Indonesia, to perform a logistic regression with the goal of statistically identifying significant factors that result in bidding success. Results showed that work experience, being included in a consortium, and having a local partner positively affected winning a bid. On the other hand, having a local competitor of the recipient country negatively impacts the chances of attaining a bid. Commensurately, Korean engineering firms need to increase their work experience in internationally recognized projects, and include a local partner as a joint venture partner to increase their chances, while refrain from conventional projects that can be performed by local engineering firms.

• MALSORI
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• no.44
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• pp.157-169
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• 2002

We propose a weighted filter bank analysis and model adaptation (WFBA-MA) scheme to improve the utilization of uncorrupted or less severely corrupted frequency regions for robust speech recognition. A weighted met frequency cepstral coefficient is obtained by weighting log filter bank energies with reliability coefficients and hidden Markov models are also modified to reflect the local reliabilities. Experimental results on TIDIGITS database corrupted by band-limited noises and car noise indicated that the proposed WFBA-MA scheme utilizes the uncorrupted speech information well, significantly improving recognition performance in comparison to multi-band speech recognition systems.

• Journal of IKEEE
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• v.15 no.1
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• pp.29-36
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• 2011

Dithering scheme has been widely used to improve the resolution of DCO(Digitally Controlled Oscillator) in conventional ADPLLs(All Digital Phase Locked Loop). In this paper a new resolution improvement scheme is proposed where a simple DAC is employed to overcome the problems of dithering scheme. A 2.4GHz LC-based DCO has been designed in a $0.13{\mu}m$ CMOS process with an enhanced frequency resolution for wireless local area network applications. It has a frequency tuning range of 900MHz and a resolution of 58.8Hz. The frequencies are controled by varactors in coarse, fine, and DAC bank. The DAC bank consists of an inversion mode NMOS varactor. The other varactor banks consist of PMOS varactors. Each varactor bank is controlled by 8bit digital signal. The designed DCO exhibits a phase noise of -123.8dBc/Hz at 1MHz frequency offset. The DCO core consumes 4.2mA from 1.2V supply.

• Journal of the Korean Association of Geographic Information Studies
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• v.1 no.1
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• pp.52-69
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• 1998

Using GIS, this study constructs and evaluates a bank marketing system. The study collects a marketing GIS database case from the Daegu Bank, which is one of the leading local banks in Korea. The database includes spatial data such as digital road map, internal and external attribute data which are combined for the construction of bank marketing database. Based on these data, the study developed an interface which enables searching and analysing functions of bank GIS marketing system. For the development of the interface, this study examined the basic concepts of area marketing and its development and utilized Map/Info as a basic GIS software package and Delphi as computer language. Finally, the study makes a comprehensive evaluation of various problems of spatial and attribute data which occurred in the process of constructing the bank marketing database.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.6
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• pp.373-380
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• 2022

Today, customer satisfaction is the most important issue for Vietnamese banks. There are numerous factors that influence bank customers' satisfaction. The study investigates the factors that influence customer satisfaction with deposit services at the Vietnam Bank for Agriculture and Rural Development (Agribank) in Bac Giang province, Vietnam, and analyses the impact of each component. The authors used 5-point Likert scales to assess whether elements were related to the factors determining consumer satisfaction with Agribank's deposit service. To perform this study, exploratory factor analysis (EFA) and multiple regression were used to find factors determining customer satisfaction with Agribank services. Customers that use deposit services at Agribank in Bac Giang province, Vietnam, provided samples of 300 survey questionnaires for this study. SPSS software is used to examine the data. Customers' satisfaction with Agribank's deposit service is influenced by six factors, including reliability, responsiveness, service capabilities, empathy, tangible means, and service price, according to the study. This finding also offers some recommendations for improving service quality in local Vietnamese banks to gain a competitive advantage.

• Journal of the Economic Geographical Society of Korea
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• v.10 no.3
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• pp.281-303
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• 2007

This paper examines the mainbank relationships of SMEs after the 1997 financial crisis in Incheon-Kyunggi and Daejeon-Chungnam regions where local banks have been merged by national banks. The results are as follows. First, national banks(except Industrial Bank of Korea and Kookmin bank) are reluctant to be mainbanks of regional SMEs. Second, those firms which have mainbank relationships with national banks borrow from relatively large number of banks. Third, their size measured by employees are relatively large. These tendencies become clearer after the 1997 financial crisis. It is the Industrial Bank of Korea and Kookmin bank that play important roles as mainbanks of regional SMEs. National banks including the Industrial Bank of Korea and Kookmin bank cannot be relationship lenders to SMEs due to the Williamson-type organizational diseconomies. It means that to ease the regional financial problems regional financial institutions are expected to play more active roles.

• Proceedings of the Korea Water Resources Association Conference
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• 2005.09a
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• pp.316-317
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• 2005