• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• 제9권6호
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• pp.47-64
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• 2014

Considering the network externality and spill-over effects, this paper constructs the theoretical model for analyzing the financial policies focusing on the credit guarantee system for Creative Economy, which has been set as the new policy paradigm for the Korean Economy. The analytical results show that it is as much as important to improve the efficiency of the financial markets and construct the infrastructure for reducing the information asymmetry problem which would be more serious in the creative finance. Although it is important to fill the gap due to the market failure it is also crucial to construct the appropriate financial schemes for the various stages of the innovative firms growth. Without these, the impacts of current public funding policies may crowd out the amount of private market funds for the innovative firms or reduce the possibility of commercialization of new technologies in these firms. Based on the evaluation of current related public policies from the perspectives of creative finance, we imply that the current financial policies appear to be quantity oriented not the quality based. Although the policy goals would be appropriately set for vitalizing the Creative Economy in Korea, they appear to be still unsuccessful to address the information asymmetry issue which is the major concern in vitalizing the creative economy. Thus we emphasize the market friendly policies, risk-sharing between the various market participants, revitalizing the relationship banking and efficient management of credit guarantee system in Korea based on the analytical model as well as the evaluation of related policies regarding the creative economy.

• Journal of Internet Computing and Services
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• 제25권1호
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• pp.57-67
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• 2024

This research investigates training methods for large language models to accurately identify sentiments and comprehend information about increasing and decreasing fluctuations in the financial domain. The main goal is to identify suitable datasets that enable these models to effectively understand expressions related to financial increases and decreases. For this purpose, we selected sentences from Wall Street Journal that included relevant financial terms and sentences generated by GPT-3.5-turbo-1106 for post-training. We assessed the impact of these datasets on language model performance using Financial PhraseBank, a benchmark dataset for financial sentiment analysis. Our findings demonstrate that post-training FinBERT, a model specialized in finance, outperformed the similarly post-trained BERT, a general domain model. Moreover, post-training with actual financial news proved to be more effective than using generated sentences, though in scenarios requiring higher generalization, models trained on generated sentences performed better. This suggests that aligning the model's domain with the domain of the area intended for improvement and choosing the right dataset are crucial for enhancing a language model's understanding and sentiment prediction accuracy. These results offer a methodology for optimizing language model performance in financial sentiment analysis tasks and suggest future research directions for more nuanced language understanding and sentiment analysis in finance. This research provides valuable insights not only for the financial sector but also for language model training across various domains.

• Journal of the Korea Institute of Information Security & Cryptology
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• 제28권3호
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• pp.729-741
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• 2018

On June 24, 2015, the Financial Services Commission (Financial Services Commission) completely abolished the security review process, and said that it would substitute self-security review obligations with self-security reviews. Security officials at financial institutions conduct security reviews based on CIA security grade when they conduct security reviews for secure electronic financial transactions. However, the recent security review for Internet and mobile electronic financial transactions has carried out a security review, either by checking separate processes or by referring to new technologies and data related to security. This paper proposes the CIAAP security gradesl with the addition of certification and privacy protection indicators to the CIA based security grades, especially through the security review of electronic financial transactions.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 한국정보통신학회 2022년도 춘계학술대회
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• pp.232-234
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• 2022

Big data is widely used in customer relationship management, relationship marketing, financial business improvement, credit information and risk management. Moreover, as non-face-to-face financial transactions have become more active recently due to the COVID-19 virus, the use of financial big data is more demanded in terms of relationships with customers. In terms of customer relationship, financial big data has arrived at a time that requires an emotional rather than a technical approach. In relational marketing, it was necessary to emphasize the emotional aspect rather than the cognitive, rational, and rational aspects. Existing traditional financial data was collected and utilized through text-type customer transaction data, corporate financial information, and questionnaires. In this study, the customer's emotional image data, that is, atypical data based on the customer's cultural and leisure activities, is acquired through SNS and the customer's activity image is analyzed with an artificial intelligence CNN algorithm. Activity analysis is again applied to the annotated AI, and the AI big data model is designed to analyze the behavior model shown in the annotation.

• International Commerce and Information Review
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• 제14권4호
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• pp.317-337
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• 2012

This study has investigated shipping finance systems in Korea and China, and extracted negative factors based on it to propose a way to develop the shipping financial system in Korea for shipbuilding industry and marine transportation. From after the global financial crisis in 2008 to right before the Lehman Brothers Holdings bankruptcy, shipping finance has been dominated by the major industrialized countries in Europe. However, the weight point is moving to the countries in Asia region such as Korea, Japan, and China based on relatively strong banking system and low interests rate. This study focused on the alternatives the current situation that the starter of shipping finance among three countries in Northeast Asia, South Korea is facing China's challenges. In the paper, shipping finance in Korea presented its defectives such as the limits of ship financing, lack of professional workforces, ever-present foreign exchange risks, and lack of understandings of the parties. As the countermeasures of them, it proposed establishing professional institute for ship financing, training professionals in financial industry, raising foreign credentials of won, and continuing associations between the parties. Even though we are the first Asian country introduced ship funds, the ship funds growth in China shall be under our eyes while we keep systemic networks between shipping, ship building, and ship financing.

• Proceedings of the KIEE Conference
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• 대한전기학회 2001년도 하계학술대회 논문집 D
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• pp.2750-2752
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• 2001

각종 행정 업무나 금융 업무 등 많은 분야의 업무를 Network로 처리할 수 있도록 Internet 환경이 구축된 현실에서 개개인의 신상정보 또는 금융정보 등과 같은 누설되어서는 안 되는 다량의 정보들이 Internet을 통해 전송 되어지고 있다. 거미줄처럼 얽혀있는 Internet망을 통한 통신 중 어디 한곳에서라도 정보가 손실된다면 큰 혼란을 가져 올 것이다. 또한 누군가가 Internet망을 통해 전송되는 정보들을 들여다 볼 수 있다면 Encryption되지 않은 Data는 모두 누설되고 말 것이다. 이러한 위험요소들은 기술적으로 구현이 가능하며 실제적으로도 암암리에 행해지고 있는 것으로 알려져 있다. 현재 Internet Security를 위한 많은 Encryption Protocol이 존재하고 있지만 일관된 Encryption Protocol의 부재, 사용의 어려움, Cryptography Application의 부재로 인하여 Encryption을 사용할 수 없는 경우가 많이 있다. 본 논문에는 Eavesdropping의 원리를 이해하고 이에 대한 대책을 제시하였다.

• Review of KIISC
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• 제33권2호
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• pp.39-48
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• 2023

소인수 분해 및 이산대수 문제의 난제를 기반으로 설계된 기존의 공개키 암호 및 전자서명 체계가 1994년 제안된 Shor 알고리즘으로부터 안전성에 대한 위협을 받게 되자, NIST에서는 양자컴퓨팅 환경으로부터 보안성이 유지되는암호를 선정하기 위해 양자내성암호 공모전을 개최하였다. 총 3 Round를 통해 PQC 표준화 대상 알고리즘을 채택하였으며, 추가로 채택된 양자내성암호의 기반에 대한 다양성을 두기 위해 Round 4를 진행하였다. 따라서 본 논문에서는 표준화 대상으로 선정된 알고리즘(Selected Algorithms 2022)과 현재 Round 4를 진행하고 있는 알고리즘의 기반이 되는 배경지식과 구조를 설명하고, 알고리즘별 주요 사양을 통해 각각의 장단점을 살펴볼 것이다. 나아가 현재 양자내성연구단을 통해 우리나라에서 제안된 KpqC에 대해서도 간단히 소개할 것이다.

• Proceedings of the KAIS Fall Conference
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• 한국산학기술학회 2009년도 춘계학술발표논문집
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• pp.272-275
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• 2009

본 논문은 정보자산의 가치측정 방법론을 수립에 필요한 정보자산프로파일의 개요를 살펴보고, 정보 자산프로파일 개발절차 및 현존하는 위험평가 방법론과의 관계를 소개하며, 금융공학기법을 이용하여 정보자산의 가치 측정을 위한 메타 모델을 제안 하고자 한다.

• Journal of Intelligence and Information Systems
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• 제29권1호
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• pp.143-174
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• 2023

With the development of deep learning technologies, Artificial Intelligence powered Optical Character Recognition (AI-OCR) has evolved to read multiple languages from various forms of images accurately. For the financial industry, where a large number of diverse documents are processed through manpower, the potential for using AI-OCR is great. In this study, we present a configuration and a design of an AI-OCR modality for use in the financial industry and discuss the platform construction with application cases. Since the use of financial domain data is prohibited under the Personal Information Protection Act, we developed a deep learning-based data generation approach and used it to train the AI-OCR models. The AI-OCR models are trained for image preprocessing, text recognition, and language processing and are configured as a microservice architected platform to process a broad variety of documents. We have demonstrated the AI-OCR platform by applying it to financial domain tasks of document sorting, document verification, and typing assistance The demonstrations confirm the increasing work efficiency and conveniences.

• Review of KIISC
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• 제16권5호
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• pp.84-93
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• 2006

신용카드의 보안을 해결하는 방안으로 IC카드의 도입이 활발히 진행되고 있으며, 국제적으로는 EMVCo가 IC 신용/직불 카드 규격을 공동으로 제정하여 이를 기반으로 한 승인작업이 세계적으로 정착이 되고 있는데, 특히 IC카드에서는 EMV 승인을 받은 카드의 사용을 권장하고 있다 본 고에서는 금융 IC카드 관련하여 기본적인 특징과 표준 현황을 살펴보며, EMV 규격의 보안 부분과 EMV 카드 인증에 대해서 기술한다.