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Articles by Christopher Gan
Total Records ( 5 ) for Christopher Gan
  Jie Wei , Minsoo Lee and Christopher Gan
  There has been a high degree of economic and financial integration between Australia and New Zealand with free trade agreements linking the capital and labor markets. Given a strong economic relationship, business-cycle transmission is expected to exist between the two countries. By analyzing the shock-transmission channels via trade, monetary policy, and exchange rates between Australia and New Zealand we can infer that if Australia and New Zealand trade less, have more similar monetary policy structure, or have less similar economic structures they would have stronger economy correlation. The results also show that the highly integrated banking system between Australia and New Zealand is an additional avenue for shock transmission between both countries.
  Visit Limsombunchai , Christopher Gan and Minsoo Lee
  Loan contracts performance determines the profitability and stability of the financial institutions and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds of the borrowers) should be completed as part of the screening process. A good credit risk assessment assists financial institutions on loan pricing, determining amount of credit, credit risk management, reduction of default risk and increase in debt repayment. The purpose of this study is to estimate a credit scoring model for the agricultural loans in Thailand. The logistic regression and Artificial Neural Networks (ANN) are used to construct the credit scoring models and to predict the borrower’s creditworthiness and default risk. The results of the logistic regression confirm the importance of total assets value, capital turnover ratio (efficiency) and the duration of bank-borrower relationship as important factors in determining the creditworthiness of the borrowers. The results also show that a higher value of assets implies a higher creditworthiness and a higher probability of a good loan. However, the negative signs found on both capital turnover ratio and the duration of bank-borrower relationship, which contradict with the hypothesized signs, suggest that the borrower who has a longer relationship with the bank and who has a higher gross income to total assets has a higher probability to default on debt repayment.
  Christopher Gan , Minsoo Lee , Au Yong Hue Hwa and Jun Zhang
  This study aims to re-examines the market efficiencies in New Zealand Stock Exchange (NZSE) and Australia Stock Exchange (ASX) stock indices to investigate whether Groenewold’s [1] findings still hold in the period after financial liberalization (January 1990-January 2003). In addition, the study also examines whether the larger US NYSE and Japanese NIKKEI stock indices have any influence on the NZSE and ASX indices. Similar to Groenewold’s findings, we find evidence of weak form efficiency for NZSE and ASX stock indices using the Augmented-Dickey Fuller and Philip-Perron unit root tests. In contrast to Groenewold’s findings, the Engle-Granger cointegration test results suggest that the NZSE stock index is cointegrated with and granger caused by the ASX index, both violating the semi-strong form market efficiency of NZSE. Although the NZSE is a small stock market, its stock index is relatively independent with respect to the NYSE and NIKKEI stock indices.
  Christopher Gan , Visit Limsombunchai , Mike Clemes and Amy Weng
  Conventional econometric models, such as discriminant analysis and logistic regression have been used to predict consumer choice. However, in recent years, there has been a growing interest in applying artificial neural networks (ANN) to analyse consumer behaviour and to model the consumer decision-making process. The purpose of this paper is to empirically compare the predictive power of the probability neural network (PNN), a special class of neural networks and a MLFN with a logistic model on consumers’ choices between electronic banking and non-electronic banking. Data for this analysis was obtained through a mail survey sent to 1,960 New Zealand households. The questionnaire gathered information on the factors consumers’ use to decide between electronic banking versus non-electronic banking. The factors include service quality dimensions, perceived risk factors, user input factors, price factors, service product characteristics and individual factors. In addition, demographic variables including age, gender, marital status, ethnic background, educational qualification, employment, income and area of residence are considered in the analysis. Empirical results showed that both ANN models (MLFN and PNN) exhibit a higher overall percentage correct on consumer choice predictions than the logistic model. Furthermore, the PNN demonstrates to be the best predictive model since it has the highest overall percentage correct and a very low percentage error on both Type I and Type II errors.
  Linghui Jiang , Christopher Gan , Betty Kao , Yiyun Zhang , Hechuan Zhang and Long Cai
  Problem statement: Consumer satisfaction is regarded as one of the ultimate goals that all health system should strive for (Hsiao, 2003), it reflects the effectiveness of the health system in consumers’ prospect. Yet public health care services in developing countries including Greater Mekong Sub-region (GMS) have failed to achieve adequate level of services. China, for example, satisfaction of public health care is considerably low. To improve public participation and effectiveness of the undergoing health reform initiatives in China, one must understand the underlying factors that contribute to consumer satisfaction for public health services. Approach: Therefore, this study explored the factors associated with consumers’ satisfaction with public health care delivery among residents in Kunming city, Yunnan Province of China. Results: Personal interviews with structured-questionnaires were used to collect the data via a convenience sampling of 569 Kunming adult residents who had consulted a doctor for outpatient services in the public health facilities within the past 12 months. The survey questions were designed to gauge the respondents’ health care use preferences, satisfaction levels, perceived quality and efficiency of public healthcare including their socio-economic characteristics. Consumers’ satisfaction in public health care delivery, factors such as interaction, qualification, financial affordability, environment, physical accessibility, adequate doctors, confidentiality, pricing, corruption and consumers’ socio-demographic characteristics were examined using the logistic regression. Conclusion/Recommendations: The results revealed that corruption have a negative impact on consumer satisfaction and perceived as a threat to consumer satisfaction. On the other hand, qualified doctors, affordable costs, adequate doctors and reasonable pricing of public health services were important factors to increase the probability of consumer satisfaction with public health care delivery and should be managed in priority.
 
 
 
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