• The Journal of the Convergence on Culture Technology
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• v.10 no.3
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• pp.467-474
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• 2024

This study analyses customer data from a US online lending platform to empirically document the discriminatory treatment that low- and middle-income borrowers face in financial markets. Researchers are using financial data from nearly 2.93 million loans between 2007~2020 of the Lending Club on the open-source Kaggle platform. We find that thin-filers borrowers, especially those with lower credit scores, receive loans at higher interest rates. This discriminatory treatment undermines financial inclusion and has the potential to increase social inequality. The significance of this research is that it sheds substantial light on the problem of inequality in financial markets and, based on the findings, suggests concrete measures to ensure equitable access to finance for all customers and enhance sustainable financial inclusion. In doing so, we propose a shift towards enhancing the social responsibility of institutions.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.13 no.12
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• pp.5776-5785
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• 2012

Government bodies offer various policies and programs to support small and medium sized enterprise. There's no only one business firm's performance model for the management performance assessment for the government's supporting and/or resupporting program. However assessment factor had been supposed to manage for the enterprise. Current assessment standards, that is Business Innovation Small and Medium sized firm Certification Model, Technology Innovation Small and Medium sized firm Certification Model, Productivity Management System Certification Model, Small and Medium Sized Firms of Korea Federation of Banks, and Business Performance of the State Owned Enterprise would be collected and then develop performance assessment model for the start-ups small and medium sized firms.

• Journal of the Korean Professional Engineers Association
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• v.29 no.2
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• pp.71-79
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• 1996

This paper evaluates the clustering performance of a neural network and a statistical method. Algorithms which are used in this paper are the GLVQ(Generalized Loaming vector Quantization) for a neural method and the k -means algorithm for a statistical clustering method. For comparison of two methods, we calculate the Rand's c statistics. As a result, the mean of c value obtained with the GLVQ is higher than that obtained with the k -means algorithm, while standard deviation of c value is lower. Experimental data sets were the Fisher's IRIS data and patterns extracted from handwritten numerals.

• Information Systems Review
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• v.22 no.1
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• pp.73-89
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• 2020

This study started to identify the "Forward-looking" of the technology appraisal model introduced to diversify financing methods of SMEs and improve financial accessibility. The multivariate regression analysis was performed by setting the business performance(growth, profitability, and stability) of technology financing companies as dependent variables, technology appraisal items as independent variables, number of employees, age of the company, asset and the Korea Standard of Industry Classification related to firm size and industry characteristics as control variables. As a result of the analysis, the technology appraisal items did not explain the profitability of the company significantly and had a limited explanatory power on growth potential. However, in terms of stability, we confirmed that R&D capacity is a significant variable explaining the debt ratio of technology financing companies. Therefore, it is concluded that the 'Forward-looking' reflection on the growth and profitability of the company should be strengthened in the future adjustment of the technology appraisal model and the development of the technology appraisal model for investment.

• Journal of Korea Foundry Society
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• v.42 no.2
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• pp.83-93
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• 2022

Throughout this research course, we have analyzed the financial situation of more than 2,700 companies using credit evaluation disclosures from 2017 to 2019. The population was gathered based on the certification of Ppuri companies and Ppuri Expertise companies through the Korea National Ppuri Industry Center, accompanied by the NICE credit evaluation index. For the first time in Korea, we wanted to look at growth, profitability, and stability through financial analysis of the Ppuri industry. Through an indepth analysis, we identified operating income (rate), net income (rate), asset size, and debt ratio, along with three years of Ppuri company workers and total sales fluctuations, and looked at the financial structure per capita. In addition, financial status per person was compared by dividing Ppuri companies into six groups by employee size. Groups were 10 or fewer people, 11 to 20 people, 21 to 50 people, 51 to 200 people, 201-300 people, and 300 or more people; single individual companies were excluded for research convenience. Overall, the financial situation of Ppuri companies was judged to be in a very bad downturn, and financial indicators deteriorated over the course of the three years of investigation. In particular, the smaller the number of employees, the greater the financial fluctuations were and the worse the situations were. Among Ppuri companies, the casting industry, which is the technical starting point for the value chain of the industry, was found to also be in a very bad state, with continued workforce declines, total assets and sales reductions at severe levels, and operating income (rate) and net income (rate) also very poor. This is why we need a suitable and feasible policy direction, something that is difficult but must be allowed to develop.

• Proceedings of the Korean Vacuum Society Conference
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• 2011.02a
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• pp.33-33
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• 2011

반도체 산업기술이 발달함에 따라 고청정 공정 환경이 요구되고 있으며, 반도체 공정용 장비에 이용되는 부품 중 양극산화피막법(Anodizing)으로 피막을 성장시킨 anodic aluminum oxide (AAO)부품은 플라즈마에 의해 화학적, 물리적 침식이 발생하여 코팅막과 모재에 손상을 일으키며 코팅막이 깨지거나 박리되면서 다량의 Particle이 생성됨으로써 공정상의 여러 가지 문제를 야기 시킨다고 알려져 있다. 하지만 코팅막을 평가하는 방법은 거의 전무하며 기본물성 측정방법인 피막두께, 내전압, 임피던스, 내식성 측정방법을 통하여 여러 기본물성측정방법으로 부품의 평가기술을 연구하였다. 본 연구에서는 이러한 진공 부품의 하나인 anodic aluminum oxide (AAO)부품샘플을 누설전류 및 내전압 측정하여 샘플의 전기적 특성을 측정하였고, 표면 미세구조의 변화를 관찰하였다. 부식실험으로는 HCl 가스를 발생시켜 부식정도를 알아봤으며, 부식처리와 플라즈마 처리 모두 코팅 막의 손상과 전기적 특성의 감소를 보였다. 진공장비 전극 부품평가의 유익한 평가 항목으로서 플라즈마 데미지를 주는 도중에 실시간으로 부품평가에 따른 Particle을 측정함으로써 ISPM 장비를 이용하여 진공 장비용 코팅부품이 플라즈마공정에서 발생하는 오염입자를 측정할 수 있는 방법을 연구하였다. 이러한 결과를 이용하여 진공공정에서 사용되는 코팅부품이 플라즈마에 의한 손상정도를 정량화 하고 평가방법을 개발하여 진공장비용 공정 중 실시간으로 부품의 성능평가가 가능하고 코팅부품 신뢰성 향상이 가능할 것으로 본다.

• 한국IT서비스학회:학술대회논문집
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• 2009.11a
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• pp.103-108
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• 2009

국가과학기술연구망(KREONET)은 초고성능 슈퍼컴퓨팅, 그리드(Grid), e-Science 등 국내의 첨단 과학기술분야에 관한 연구 개발을 지원하고 있는 국가연구망(National Research Network)이다. 그러나 국가연구망이 국가연구개발 사업의 전반에 걸쳐 직 간접적으로 많은 영향을 미침에도 불구하고, 이러한 파급효과에 대해 체계적인 분석이 없는 실정이다. 따라서 본 논문에서는 KREONET에 대한 경제성 분석을 통해 국가과학기술과 산업발전에 미치는 파급효과를 분석하고자 한다. 분석방법으로는 KREONET의 존재 유무에 따른 비용편익분석과 산업연관분석을 사용하였다. 비용편익분석의 평가지표로는 순현재가치, 비용편익비율, 내부수익률을 사용하였고, 산업연관분석의 평가지표는 생산유발효과, 부가가치 유발효과, 취업유발효과를 사용하였다. 분석한 결과, KREONET은 경제적 파급효과가 높은 것으로 나타났다. 본 연구의 결과를 다른 연구망에 적용하기 위해서는 보다 다양한 범주의 평가범위와 평가방법에 대한 연구가 지속되어야 할 것이다.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.12
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• pp.3768-3774
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• 2009

This paper explored how soft information and hard information were used when SBC(Small Business Corporation, Korea) reviewed government loan applications. The data set is made up of financial and non-financial data of small-business firms since 2004. A non-financial data set is considered as soft information. Relative importance of three kinds information such as credit information, soft information, financial information is compared with each other by using the logit model. As a result, credit information is most critical to the loan approval, and then soft information follows, lastly financial information has the smallest effect on the loan approval. This is because the credit information is made up of the non-linear combination of soft information and financial information. When the relative importance of soft information and financial information is considered, soft information is relatively more critical to the loan approval then financial information. This is because financial ratios provided by small-business firms are not reliable enough.

• Proceedings of the Korean Vacuum Society Conference
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• 2011.08a
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• pp.104-104
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• 2011

사중극 질량분석기(Quadrupole Mass Spectrometer, QMS)의 신뢰성을 향상시키기 위해 이온소스를 개선하고 평가하였다. 공정가스에 의한 오염 및 charging 효과로 인해 이온전류가 감소하는 현상을 발견하였고 이를 개선하기 위해 이온소스의 표면 거칠기를 줄여서 신뢰성을 향상시켰다. 또한 이온소스를 평가하는 방법으로 희석된 혼합가스를 이용하여 MDPP (Minimum Detectable Partial Pressure)를 측정하였고 이를 위해 희석된 가스의 이온 전류와 배경 노이즈의 비율(Signal/Noise)을 극대화시키면서 QMS를 튜닝하였다. 이 평가방법을 이용하여 상용 이온소스와 한국표준과학연구원에서 제작한 두 종류의 이온소스를 평가 비교하였다. QMS에 대한 국제표준안(ISO/TC 112 CD14291) 제정을 위한 진행상황도 소개하려고 한다.

• The Journal of Korea Institute of Information, Electronics, and Communication Technology
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• v.14 no.4
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• pp.292-299
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• 2021

A form of data mining software, based on manufacturing-based IIoT environment with the development of IT technologies are increasingly growing. However, it is difficult to evaluate the software quality in the same form as general software due to the characteristics of the software of a manufacturing company that has a large amount of data that needs to be carried out with big data and data mining. In addition, in a manufacturing-based environment where heterogeneous equipment and software are mixed, it is difficult to perform quality judgment on software used by applying existing quality characteristics. Therefore, in this paper, the characteristics of the manufacturing base are investigated, and a software quality evaluation model suitable for it is developed and evaluated.