• Title/Summary/Keyword: 시간경쟁

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A Case Study on Credit Analysis System in P2P: 8Percent, Lendit, Honest Fund (P2P 플랫폼에서의 대출자 신용분석 사례연구: 8퍼센트, 렌딧, 어니스트 펀드)

  • Choi, Su Man;Jun, Dong Hwa;Oh, Kyong Joo
    • Knowledge Management Research
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    • v.21 no.3
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    • pp.229-247
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    • 2020
  • In the remarkable growth of P2P financial platform in the field of knowledge management, only companies with big data and machine learning technologies are surviving in fierce competition. The ability to analyze borrowers' credit is most important, and platform companies are also recognizing this capability as the most important business asset, so they are building a credit evaluation system based on artificial intelligence. Nonetheless, online P2P platform providers that offer related services only act as intermediaries to apply for investors and borrowers, and all the risks associated with the investments are attributable to investors. For investors, the only way to verify the safety of investment products depends on the reputation of P2P companies from newspaper and online website. Time series information such as delinquency rate is not enough to evaluate the early stage of Korean P2P makers' credit analysis capability. This study examines the credit analysis procedure of P2P loan platform using artificial intelligence through the case analysis method for well known the top three companies that are focusing on the credit lending market and the kinds of information data to use. Through this, we will improve the understanding of credit analysis techniques through artificial intelligence, and try to examine limitations of credit analysis methods through artificial intelligence.

Design Thinking Methodology for Social Innovation using Big Data and Qualitative Research (사회혁신분야에서 근거이론 기반 질적연구와 빅데이터 분석을 활용한 디자인 씽킹 방법론)

  • Park, Sang Hyeok;Oh, Seung Hee;Park, Soon Hwa
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.13 no.4
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    • pp.169-181
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    • 2018
  • Under the constantly intensifying global competition environment, many companies are exploring new business opportunities in the field of social innovation using creating shared value. In seeking social innovation, it is a key starting point of social innovation to clarify the problem to be solved and to grasp the cause of the problem. Among the many problem solving methodologies, design thinking is getting the most attention recently in various fields. Design Thinking is a creative problem solving method which is used as a business innovation tool to empathize with human needs and find out the potential desires that the public does not know, and is actively used as a tool for social innovation to solve social problems. However, one of the difficulties experienced by many of the design thinking project participants is that it is difficult to analyze the observed data efficiently. When analyzing data only offline, it takes a long time to analyze a large amount of data, and it has a limit in processing unstructured data. This makes it difficult to find fundamental problems from the data collected through observation while performing design thinking. The purpose of this study is to integrate qualitative data analysis and quantitative data analysis methods in order to make the data analysis collected at the observation stage of the design thinking project for social innovation more scientific to complement the limit of the design thinking process. The integrated methodology presented in this study is expected to contribute to innovation performance through design thinking by providing practical guidelines and implications for design thinking implementers as a valuable tool for social innovation.

Preparation of Silver Nanoparticles Using AgNO3 Precursor as Carrier for Olefin/Paraffin Separation and the Effect Analysis of NO3- (올레핀/파라핀 분리용 운반체로서 AgNO3 전구체를 활용한 은 나노입자 제조 및 NO3-의 효과 분석)

  • kim, Minsu;Kang, Sang Wook
    • Membrane Journal
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    • v.28 no.4
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    • pp.265-270
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    • 2018
  • In previous studies, a poly(ethylene oxide)(PEO)/Ag nanoparicles (AgNPs)(precursor $AgBF_4$)/p-benzoquinone (p-BQ) composite membrane was prepared for olefin/paraffin separation and the performance of this composite membrane was maintained at a selectivity of 10 and a permeability of 15 GPU. However, since the price of $AgBF_4$ precursor is high, this study used $AgNO_3$ as a precursor of Ag nanoparticles which is competitive in terms of price. As a result, it was observed that the separation performance was not obtained because the existing $NO_3{^-}$ could surround AgNPs. In this study, we fabricated PEO, poly(vinyl alcohol)(PVA), and polyether block amide-1657 (PEBAX-1657) polymer composite membrane using electron acceptor 7,7,8,8-tetracyanoquinodimethane (TCNQ) for separation performance even when $AgNO_3$ was used as a precursor of Ag nanoparticles. As a result, it was analyzed that the performance was not observed regardless of the influence of the polymer and the electron acceptor, indicating that the anion of the precursor plays a crucial role in the separation performance.

Development of Nitrogen Cooling Equipment for Personalized Local Area (개인 맞춤형 국소부위 질소 냉각 장비 개발)

  • Lee, Young-Ji;Lee, Joo-Hyun;Lee, Seung-Ho
    • Journal of IKEEE
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    • v.24 no.3
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    • pp.913-916
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    • 2020
  • In this paper, we propose the development of nitrogen cooling equipment for personalized local area. The proposed equipment consists of a cold air supply module, a body, and nitrogen injection with the following characteristics. First, it automatically controls the amount and time of cold air supply by utilizing information measuring skin temperature with volumetric temperature sensors, so it can have a competitive edge in function by ensuring complete safety. Second, if the distance measuring sensor is applied to the skin for more than a certain distance, it can block the cold air or control the discharge of nitrogen in conjunction with the control GUI to improve the efficiency of higher cooling therapy while providing safe management. Third, by installing a control module that can control the supply of nitrogen, the cost of maintenance can be minimized by minimizing the loss of nitrogen. Experiments at an external testing agency to evaluate the performance of the proposed equipment showed that the accuracy of the temperature sensor was measured in the range of ±3.8%, which is lower than the world's highest level(±5%), with a range of 110℃ to -160℃ similar to the world's highest level. Distance accuracy was measured in the range of ±3.0%, lower than the world's highest level(±5%), and weight accuracy in the range of ±0.1%, lower than the world's highest level(±5%). In addition, emission control was measured in four stages, higher than the world's highest level(stage 1) and nitrogen use was measured at 0.8L/min below the world's highest(6L/min). Therefore, the effectiveness of the methods proposed in this paper was demonstrated because they produced the same results as the world's highest levels.

Design and fabrication of GaAs MMIC high power amplfier and microstrip combiner for IMT-2000 handset (IMT-2000 고출력 전력전폭기의 GaAs MMIC화 및 전송결합기 설계 구현에 관한 연구)

  • 정명남;이윤현
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.25 no.11A
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    • pp.1661-1671
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    • 2000
  • 본 고에서는 한국통신(Korea Telecom) IMT-2000 시험시스템(이하: Trial system 라고 함) 단말기용 전력증폭단으로 적용하기 위한 다단구동증폭기 및 전력증폭기를 GaAs MMIC로 설계 구현하는 기술을 제시하였다. 설계된 구동증폭기는 3단으로구성하여 RF(Radia Frequency) 송신신호(1955$\pm$70MHz)대역에서 2단 (중간단)의 이득 조정범위가 40 dB이상이 될 수 있도록 능동부품인 MESFET를 Cascade 형으로 구성하고 MESFET의 게이트(gate)에 조정전압을 인가하는 증폭기를 설계하여 GaAs MMIC화 1 침(크기4$\times$5 mm)으로 제작하였다. 아울러, 본 논문에서는 제시한 구동증폭기는 동작주파수 대역폭 범위기 3.5배이고 출력전력은 15dBmm 이며, 출력전력이득이 25~27dB이고 반사계수는 -15~20dB이며 이득평탄도 3dB(동작주파수 대역폭내)로써 Trial system용 단말기의 최종단인 전력증폭단의 출력단 특성을 효과적으로 나타내었다. 그리고, 전력 증폭기는 2개의 입력단에서 출력되는 신호를 분배하는 전력분배기와 병렬구조인 4개의 증폭단에서 출력되는 출력신호를 외부에서 접속하는 전력결합기를 접소하여 구성하였으며 RF(Radio Frequency) 주파수(1955 $\pm$70NHz)에서 대역폭을 4배로 설계하여 광대역인 대역폭을 구현하였고 출력전력은 570mW이며, 출력부가효율(PAE; Power Added Efficency)가 -15$\pm$20dB이고, 이득 평탄도(Gain flatness)는 동작주파수 대역내에서 0.5dB이며 입출력 전압정재파비(Input & Output VSWR)가 13이하인 고출력 전력증포기를 GaAs MMIC화 1칩 (크기; 3$\times$4mm)으로 제작하였다.의 다양성이나 편리성으로 변화하는 것이 국적을 바꾸는 것보다 어려운 시 대가 멀지 않은 미래에 도래할 것이다. 신세기 통신 과 SK 텔레콤에는 현재 1,300만명이 넘 는 고객이 있으며. 이들 고객은 어 이상 음성통화 중심의 이동전화 고객이 아니라 신세기 통신과 SK텔레콤이 함께 구축해 나갈 거대란 무선 네트워크 사회에서 정보화 시대를 살아 갈 회원들이다. '컨텐츠의 시대'가 개막되는 것이며, 신세기통신과 SK텔레콤은 선의의 경쟁 과 협력을 통해 이동인터넷 서비스의 컨텐츠를 개발해 나가게 될 것이다. 3배가 높았다. 효소 활성에 필수적인 물의 양에 따른 DIAION WA30의 라세미화 효율에 관하여 실험한 결과, 물의 양이 증가할수록 그 효율은 감소하였다. DIAION WA30을 라세미화 촉매로 사용하여 아이소옥탄 내에서 라세믹 나프록센 2,2,2-트리플로로에틸 씨오에스터의 효소적 DKR 반응을 수행해 보았다. 그 결과 DIAION WA30을 사용하지 않은 경우에 비해 반응 전환율과 생성물의 광학 순도는 급격히 향상되었다. 전통적 광학분할 반응의 최대 50%라는 전환율의 제한이 본 연구에서 찾은 DIAION WA30을 첨가함으로써 성공적으로 극복되었다. 또한 고체 염기촉매인 DIAION WA30의 사용은 라세미화 촉매의 회수 및 재사용이 가능하게 해준다.해준다.다. TN5 세포주를 0.2 L 규모 (1 L spinner flask)oJl에서 세포간의 응집현상 없이 부유배양에 적응,배양시킨 후 세포성장 시기에 따른 발현을 조사한 결과 1 MOI의 감염조건 하에서는 $0.6\times10^6$cell/mL의 early exponential시기의 세포밀도에서 72시간 배양하였을 대 최대 발현양을 나타내었다. 나타내었다. $\beta$4 integrin의 표현이 침투 능력을 높이는 역할을 하나 이때에는 laminin과 같은 리간드와의 특이

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Effects in Response to Nature of Selection on Performance Type and Quality of Service Affects to Post Behavior -Focusing on Jeon-ju, Sori Arts Center's Event Program- (공연예술 선택 특성과 서비스 품질이 사후 행동에 미치는 영향 -전주, 한국소리문화의전당 이벤트 체험을 중심으로-)

  • Kim, Beom Seok;Jeon, In-Oh
    • The Journal of the Korea Contents Association
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    • v.15 no.12
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    • pp.106-120
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    • 2015
  • Along with economic growth which affects to the overall increase in income level within society, more permissible leisure time, and change in values of the life style directly affected to the more demand of performance arts. The theaters where the performance contents are actually accomplished have been built with various objectives and now there are 232 of performing art theaters are in operation at various locations over the country. The purpose of this research is to identify behavioral factors regarding how the preferable choice were made from the various type of the performance arts, study for the correlation on post behavior customer based on the survey conducted at Sori Art Center. As a result of this research, there were strong correlation were identified between how the preferable choice were made among the various type of performance and Customer's intend of returning visit /perceivd value. In addition to the aforementioned result, the survey result shows that the excellence of the facility, hospitality level of the staffs, and additional customer services were the meaningful positive factors and user convenience/subsidiary facilities were negative factors to the overall service quality control activities. The research reveals meaningful correlations between quality of the customer service factors and how the preferable choice were made by customer that lead to strategic plan which will increase competitiveness of the Sori Art Center. Extensive research for the Sori Art Center which represents cultural power of the local community would be exemplary case not only for the art centers in metropolitan area but also other local areas within the country.

A Study on the Direct Marketing of Agricultural Product through the Outlet Store Owned by Agricultural Cooperative (농협 상설매장을 통한 농산물 직거래 활성화 방안에 관한 연구)

  • Park, Cheol;Kim, Hyung-Tak
    • Journal of Distribution Research
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    • v.5 no.2
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    • pp.106-129
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    • 2001
  • In order to improve the agricultural products distribution, many devices have been suggested. Recently, direct marketing channel of agricultural product is one of the best solution for the problems of agricultural product distribution. The largest farmers cooperative association in Korea, Agricultural Cooperative(AC) have tried to promote direct marketing channel of agricultural product. Especially, the Agricultural product outlet store owned by Agricultural Cooperative(AC) is developed as an attractive alternative. Agricultural product outlet store owned by AC classify two types; small & medium sized supermarket style and large discount store style. In this study, direct marketing through the agricultural product outlet store owned by AC was examined because it leads direct agricultural distribution and shares over 70% of direct agricultural distribution in Korea. Though a survey about consumer perception & evaluation on establishing agricultural product outlet store owned by AC in Busan, the success factor of the store were identified. The results indicate that price, kindness of sales people, quality of products are main factor of the agricultural products outlet store. Theorefore Agricultural Cooperative should develop the retailing & marketing strategies focusing these findings.

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Potential Environmental Influences in Soil by Accidental Fluorine (F) Leakage, Using Leaching Test (용출시험을 통한 불산 누출사고지역의 토양 내 불소(F)의 거동특성)

  • Kim, Doyoung;Lee, Junseok;Kwon, Eunhye;Lee, Hyun A;Yoon, Hye-On;Lee, Sanghoon
    • Journal of Korean Society of Environmental Engineers
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    • v.37 no.4
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    • pp.234-239
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    • 2015
  • Various leaching tests were applied to the soil affected by accidental leakage of HF in an industrial area in Korea. Three different leaching methods including pH-stat, continuous batch leaching, and column tests were adopted to assess leaching characteristics and mobility of fluorine(F) in soil and the potential risks to ecosystem. Both natural and spiked samples were used for the leaching tests. F concentrations in the batch tests increased by leaching rapidly in the early stage of leaching and then maintained rather constant levels. Column leaching test also show similar result to that of the batch test. pH also controlled the leaching behavior of the soil. With increasing pH, more F was released in the pH-stat test. This is mainly due to the competition and exchange with hydroxyl ions, as pH increase to the alkaline range. Most of the F released by the accident seem to have removed in the very early stage of leaching, whereas some natural proportion from soil minerals are thought to have been released very slowly. Therefore, little F released during the accident remained, based on the results of this study on the samples after two years of the accident. We could conclude that soil contaminated by external effects such as chemical accidents should be managed immediately, especially with F.

A Convenient Synthesis of N', N'-Disubstituted N-Fluorophenylformamidines by Using Microwave and Their Insecticidal Activities (마이크로웨이브를 이용한 N', N'-Disubstituted N-Fluorophenylformamidine 유도체의 편리한 합성과 살충활성)

  • Lee, Dong-Guk;Chung, Kun-Hoe;Ko, Young-Kwan;Ryu, Jae-Wook;Woo, Jae-Chun;Koo, Dong-Wan;Choi, Yong-Ho;Park, No-Joong;Kim, Jin-Ju;Kim, Tae-Joon
    • The Korean Journal of Pesticide Science
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    • v.13 no.2
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    • pp.117-125
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    • 2009
  • Phenylformamidine derivatives are well known as insecticides for their specific activity against the insects. It has now been established that they show insecticidal activity as agonists on the octopamine receptor which is located in the synapse membrane. The reaction of triethylorthoformate and fluoroanilines gave formimidates (1) in good yields and N',N'-Disubstituted N-fluorophenylformamidine derivatives were synthesized more easily by using microwave. This microwave reaction condition gave products in high yields and faster reaction time than conventional methods. All the compounds were screened for their biological activity agaist harmful insects of plant hoppers, moths, aphids and mites. Synthetic compounds of 2-I-a, 2-I-c, 2-I-d, 2-II-d showed good activity against mites and plant hoppers.

Behavior Characteristics of Fluoride with pH, Ion Type and Concentration, and Sediment Characteristics in River (pH, 이온종류 및 농도, 퇴적물의 성분에 따른 하천 내 불소의 거동특성)

  • LEE, Dong Min;Joo, Kwang Jin;Choi, ISong;Chang, Kwang Hyeon;Oh, Jong Min
    • Ecology and Resilient Infrastructure
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    • v.5 no.1
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    • pp.19-24
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    • 2018
  • Water quality is affected by the pollutants flowing into rivers since the interaction between water bodies and sediments in various environmental conditions. Especially, accumulation of sediments increases in the stagnant water areas due to a relative long hydrological retention time in the water bodies. Therefore, it is an important factor of water quality to understand characterization of the material behavior in water bodies and sediments. In this study, the objective of the conditional experiments was small and medium sized streams located in Gyeonggi-do. To estimate how the changes of fluoride behavior, depending on the pH, ion type, concentration, and clay contents. The pH results showed a trend that adsorption amount of fluorine decreased and the dissolution of fluorine increased following by pH increasing. The concentration and type of ions results showed that $Cl^-$ and $SO{_4}^{2-}$ ions had no significant effect on the adsorption ability of fluorine, the amount of dissolution was increased because $OH^-$ ion had active competition with fluorine in the reaction. The ingredient of sediment results showed that the amounts of fluoride adsorption and dissolution were reduced in samples, which contain relatively large amounts of Silt and Clay components. This means that the environmental conditions of water bodies greatly affect the adsorption and dissolution of fluoride in the sediments, so that proper management of fluoride in the sediments must precede an understanding of the environmental conditions of the water bodies.