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특성 인식(Trait Recognition)을 통한 우리나라 은행산업의 건전성 평가
국찬표,이근경,한상일 한국금융연구원 2003 금융연구 Vol.17 No.2
본 논문은 개별은행의 건전성을 평가한 후 일정 은행군의 건전성을 평가할 수 있는 특성인식을 방법론으로 사용하여 우리니라 은행들의 건전성을 평가해 보았다. 표본 내 및 표본 외 자료를 이용한 본 논문의 실증결과에 따르면 특성모형은 미국과 유사하게 우리나라에서도 부실 및 건전은행을 적절히 구별해내며, 로짓 모형보다는 제 1종 및 2종 오류를 적절하게 조절하는 것으로 나왔다. 또한 본 논문에서 분석대상으로 설정한 변수들 가운데 자산건전성을 측정하는 지표인 X_(7)(무수익여신 비율), X_(8)(외화여신/총여신)과 수익성을 나타내는 지표인 X_(9)(순이자소득/총자산), X_(12)(영업이익/총수입), X_(13)(ROA), X_(14)(ROE)등은 은행의 도산가능성을 비교적 정확히 예측하는 변수로 나타났다. 이와 더불어 은행의 유동성을 나타내주는 지표인 X_(15)(유가증권/총자산), X_(16)(주식/총자산), X_(17)(회사채/총자산)등도 은행의 도산가능성을 정확히 예측하는 것으로 나타났으며, 은행의 생산성을 나타내주는 대표적인 지표인 X_(26)(총자산/종업원수), X_(27)(총대출/종업원수), X_(28)(총이익/종업원수)등도 은행의 건전성을 판별하는 데 유효한 변수로 나타났다. 이러한 변수에 대해서 97년 당시의 전체 20개 은행을 분류한 특성(features)을 이용해서 2003년 현재 은행의 건전도를 평가해 보았다. 이 결과 은행의 건전성이 97년보다 크게 개선된 것으로 판단된다. 따라서 외환 위기 이후 금융구조조정의 성과가 일정부분 있었던 것으로 보이며 향후 일정기간 동안 은행위기의 가능성은 낮은 것으로 판단된다. This paper seeks to ascertain the soundness of the Korean banking industry by applying an empirical method calledthe trait recognition model (TRM). We perform an empirical test with 20 banks; 10 failed banks and 10 non-failed banks. The sample is split into (1) an original sample used to build a classification model and (2) a holdout sample reserved for prediction purposes to determine the efficacy of the model. According to the empirical test, TRM identifies non-failed and failed banks relatively well, as it has done in the U.S. TRM also outperforms the logit model in terms of minimizing Type 1 (identifying a failed bank as non-failing) and TypeII( identifying a non-failed bank as failing) errors. The variables related to asset quality, profitability, and productivity predict banking failures relatively well. The variables for bank size, capital adequacy, diversification, and liability are less effective in predicting banking failures. We also evaluate the soundness of those banks that were still in operation at the end of 2002 based on variable bank features in the period of 1996-1997. We find that the soundness of most banks was relatively robust, though several banks still have problems with regard to their asset quality and profitability. Every bank is found to have maintained safe features on the variables related to productivity, which were considered most effective toward determining bank soundness. We believe this is mainly a result of improvements in productivity realized through bank restructuring and M&As.
Chlorination behavior of Li(Ni1/3Co1/3Mn1/3)O2
전민구,김성욱,오맹교,은희철,이근경 한국화학공학회 2022 Korean Journal of Chemical Engineering Vol.39 No.9
The chlorination behavior of Li(Ni1/3Co1/3Mn1/3)O2 (NCM) was investigated as a function of the reaction temperature(400-600 oC) and time (1-8 h) for application in a chlorination-based recycling process. Structural analysis resultsrevealed that chlorination leads to a sequential transition from a hexagonal LiMO2 structure to a hexagonal Li1x'MO2y'(observed only at 400 oC), a hexagonal Li1xMO2y (xx', yy', at 400-600 oC), and a spinel-type M3O4 phase (500 oC,M represents Ni,Co,Mn). It was also found that this structural transition is accelerated by an increase in the reactiontemperature, except at 600 oC, where the thermal decomposition of the Li1xMO2y phase inhibited the formation of theM3O4 phase. Weight changes of the samples suggested that the chlorination of the transition metals begins at 500 oCand that its rate increases with an increase in the reaction temperature. It was revealed by a composition analysis thatan increase in the reaction temperature (except at 600 oC) and longer times result in a higher Li removal ratio. A temperatureof 550 oC was proposed as the optimum temperature for the chlorination of NCM in consideration of thefindings from this work.