• Title/Summary/Keyword: 대부업

Search Result 3, Processing Time 0.016 seconds

Spatial Distribution Characteristics of Financial Industries and the Relationships with Socio-economic Variables: The case of the Seoul Metropolitan Area (금융산업의 분포특성 및 사회.경제적 변수와의 관계 분석: 수도권 지역을 사례로)

  • Moon, Eun Jin;Lee, Keumsook
    • Journal of the Economic Geographical Society of Korea
    • /
    • v.16 no.3
    • /
    • pp.512-527
    • /
    • 2013
  • This study examines the spatial distribution characteristics of financial industry which has been a necessary service for contemporary urban life. In particular, we analyze the spatial distribution patterns of money lending business which is considered with informal financial services as well as the spatial distribution patterns of banks which are representative of the institutional financial services. For the purpose, their density distribution patterns are explored by Kernel density analysis for both financial services in first. Moran's I coefficients are estimated for these two financial services to clarify the distintion in their geographical concentration patterns. The results of spatial autocorrelation analysis show stark differences between the center city and outskirts of the Seoul metropolitan area. Multivariate regression models are developed to explain the relationships between the spatial distributions of financial services and geographical variables. Finally, we discuss financial exclusion problem in the Metropolitan Seoul based on these spatial distribution characteristics.

  • PDF

Financial Fraud Detection using Text Mining Analysis against Municipal Cybercriminality (지자체 사이버 공간 안전을 위한 금융사기 탐지 텍스트 마이닝 방법)

  • Choi, Sukjae;Lee, Jungwon;Kwon, Ohbyung
    • Journal of Intelligence and Information Systems
    • /
    • v.23 no.3
    • /
    • pp.119-138
    • /
    • 2017
  • Recently, SNS has become an important channel for marketing as well as personal communication. However, cybercrime has also evolved with the development of information and communication technology, and illegal advertising is distributed to SNS in large quantity. As a result, personal information is lost and even monetary damages occur more frequently. In this study, we propose a method to analyze which sentences and documents, which have been sent to the SNS, are related to financial fraud. First of all, as a conceptual framework, we developed a matrix of conceptual characteristics of cybercriminality on SNS and emergency management. We also suggested emergency management process which consists of Pre-Cybercriminality (e.g. risk identification) and Post-Cybercriminality steps. Among those we focused on risk identification in this paper. The main process consists of data collection, preprocessing and analysis. First, we selected two words 'daechul(loan)' and 'sachae(private loan)' as seed words and collected data with this word from SNS such as twitter. The collected data are given to the two researchers to decide whether they are related to the cybercriminality, particularly financial fraud, or not. Then we selected some of them as keywords if the vocabularies are related to the nominals and symbols. With the selected keywords, we searched and collected data from web materials such as twitter, news, blog, and more than 820,000 articles collected. The collected articles were refined through preprocessing and made into learning data. The preprocessing process is divided into performing morphological analysis step, removing stop words step, and selecting valid part-of-speech step. In the morphological analysis step, a complex sentence is transformed into some morpheme units to enable mechanical analysis. In the removing stop words step, non-lexical elements such as numbers, punctuation marks, and double spaces are removed from the text. In the step of selecting valid part-of-speech, only two kinds of nouns and symbols are considered. Since nouns could refer to things, the intent of message is expressed better than the other part-of-speech. Moreover, the more illegal the text is, the more frequently symbols are used. The selected data is given 'legal' or 'illegal'. To make the selected data as learning data through the preprocessing process, it is necessary to classify whether each data is legitimate or not. The processed data is then converted into Corpus type and Document-Term Matrix. Finally, the two types of 'legal' and 'illegal' files were mixed and randomly divided into learning data set and test data set. In this study, we set the learning data as 70% and the test data as 30%. SVM was used as the discrimination algorithm. Since SVM requires gamma and cost values as the main parameters, we set gamma as 0.5 and cost as 10, based on the optimal value function. The cost is set higher than general cases. To show the feasibility of the idea proposed in this paper, we compared the proposed method with MLE (Maximum Likelihood Estimation), Term Frequency, and Collective Intelligence method. Overall accuracy and was used as the metric. As a result, the overall accuracy of the proposed method was 92.41% of illegal loan advertisement and 77.75% of illegal visit sales, which is apparently superior to that of the Term Frequency, MLE, etc. Hence, the result suggests that the proposed method is valid and usable practically. In this paper, we propose a framework for crisis management caused by abnormalities of unstructured data sources such as SNS. We hope this study will contribute to the academia by identifying what to consider when applying the SVM-like discrimination algorithm to text analysis. Moreover, the study will also contribute to the practitioners in the field of brand management and opinion mining.

Brittle crack arrest design for shipbuilding welding structural with thick steel plate (고강도 극후물재 용접부 취성균열 전파 정지 기술 개발에 관한 연구)

  • An, Gyu-Baek;Ryu, Kang-Mook;Lee, Jong-Sub;Park, Tae-Dong;Shin, Yong-Taek;Han, Ki-Hyung;Jeong, Sang-Hoon;Kang, Sung-Ku
    • Proceedings of the KWS Conference
    • /
    • 2009.11a
    • /
    • pp.92-92
    • /
    • 2009
  • 조선업을 포함한 다양한 산업 분야에서 후판 강재의 수요량 증가와 함께 사용 범위 또한 폭넓게 되고 있다. 특히, 선박의 수송효율의 극대화를 위하여 컨테이너선의 대형화가 급속하게 진행되고 있으며, 2009년 현재1,300TEU 이상의 초대형 컨테이너선이 건조되고 이다. 이처럼 용접구조물의 초대형화에 따른 사용강재 또한 고강도 극후물화 되고 있다. 현재 선박에 적용중인 고강도 강재는 EH47 강재로 YP 460MPa 급의 강재가 Hatch Coamming부에 적용중에 있으며, 강재의 두께 또한 70mm 이상이다. 이러한 고강도 극후물재의 강구조물에 적용에 따른 선급협회에서는 용접부에서의 취성균열 전파에 의한 취성파괴의 위험성이 있으므로 강재의 두께를 제한하고 더욱 엄격한 파괴인성값을 요구하고 있다. 일본선급협회(NK)를 중심으로 취성균열의 정지를 위한 모재의 요구 성능등에 관한 연구들이 진행되고 있다. 이 연구의 대부분의 전제 조건은 선박의 블럭과 블럭의 조립시에 용접부가 직선형이 아닌 계단형(Butt shift)를 하는 것으로 하고 있으므로, 국내의 조선건조 공법의 현실과는 거리감이 있다. 본 연구에서는 국내 조선사에서 수행중인 직선 이음부에 대한 시공 공법에서 취성균열이 발생하여 진전 되더라도 균열을 정지 시킬 수 있는 기술에 관한 연구를 수행하였다. 균열의 진전은 대부부의 연속면에서는 정지를 시키지 못하고 직진 전파 하여서 파괴에 도달하게 된다. 따라서 뭔가의 불연속적인 면을 임의로 생성하여야 균열을 정지 시킬 수 있다. 본 연구에서는 이러한 균열의 정지 방법으로 형상적인 측면과 재료적인 측면에서 검토를 수행하였다. 형상적인 측면에서는 균열을 정지 시키고자 하는 위치에 불연속적인 면을 만들기 위하여 일정 크기의 hole을 만들어서 균열을 정지시켰으며, 재료적인 측면에서는 고인성의 용접재료를 사용하여서 취성균열이 진행하는 경로에 인성을 높은 재료를 적용하여 불연속적인 면의 생성과 함께 인성을 높여서 균열을 정지 시키는 기술을 개발하였다. 이러한 기술의 개발을 통하여 취성균열의 전파에 의한 파괴를 방지 할 수 있으며, 용접구조물의 안전성 확보를 가능하게 하였다.

  • PDF