• Title/Summary/Keyword: 신용문제

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Evaluating Importance of Defects through Defect Dispute Case Study in Apartment Buildings (하자분쟁사례를 통한 공동주택 하자 중요도 평가에 관한 연구)

  • Lee, Sang-Hoon;Kim, Jae-Jun;Lee, Sang-Hyo
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.20 no.3
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    • pp.56-64
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    • 2019
  • Various defects that occur in the maintenance stage are connected to all kinds of wasted resources and economic losses as additional investments are made. Residents are harmed temporally, materially, and psychologically, and businesses suffer not only monetary losses but also reduced credit ratings. The aim of this study was to increase the efficiency of quality management and minimize defect disputes by estimating the importance of the defect type considering the defect frequency and severity in apartment buildings. For this, 7,548 defect items for 48 apartment buildings were examined. The analysis confirmed that defects are concentrated on RC, finishing and MEP work. In addition, defects with high importance are identified as broken, incorrect installation, missing tasks, and water problems. In addition, the exterior wall/roof, the Internal wall, ceiling, and floor, which are constructed in the field, are more important than the furniture and MEP equipment installed in the field.

Exploring the Performance of Synthetic Minority Over-sampling Technique (SMOTE) to Predict Good Borrowers in P2P Lending (P2P 대부 우수 대출자 예측을 위한 합성 소수집단 오버샘플링 기법 성과에 관한 탐색적 연구)

  • Costello, Francis Joseph;Lee, Kun Chang
    • Journal of Digital Convergence
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    • v.17 no.9
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    • pp.71-78
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    • 2019
  • This study aims to identify good borrowers within the context of P2P lending. P2P lending is a growing platform that allows individuals to lend and borrow money from each other. Inherent in any loans is credit risk of borrowers and needs to be considered before any lending. Specifically in the context of P2P lending, traditional models fall short and thus this study aimed to rectify this as well as explore the problem of class imbalances seen within credit risk data sets. This study implemented an over-sampling technique known as Synthetic Minority Over-sampling Technique (SMOTE). To test our approach, we implemented five benchmarking classifiers such as support vector machines, logistic regression, k-nearest neighbor, random forest, and deep neural network. The data sample used was retrieved from the publicly available LendingClub dataset. The proposed SMOTE revealed significantly improved results in comparison with the benchmarking classifiers. These results should help actors engaged within P2P lending to make better informed decisions when selecting potential borrowers eliminating the higher risks present in P2P lending.

A Critical Review on Mobility Business and Government Regulations: Trends, Issues, and Conflict Management (Mobility 신산업 동향 및 쟁점, 그리고 정부의 역할 : O2O, 승차공유, 택배, 물류 분야의 전망 및 규제연구를 중심으로)

  • Hwang, Sungsoo;Shin, Yong-Ho
    • Informatization Policy
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    • v.26 no.2
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    • pp.3-23
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    • 2019
  • This review article summarizes the trends and issues around the mobility business and government regulations in Korea. Key issues identified involve unclear government regulations, conflict management between key stakeholders, platform labor, and regional conflicts. The study then offers an overview of the current government regulations on the mobility business and conflict management, along with some policy recommendations in the areas of linking conflict resolution efforts with the welfare safety net, and corporates' social responsibility for the sustainable ecosystem. Ultimately, an ecosystem is required for multiple ministries and stakeholders to participate in the process of improving the regulations, as well as a control tower (government agency) who plays the pivotal role as a coordinator.

A Design of Payment Approval Management System for Teenager Children's Indiscriminate Consumption Habit Prevention (청소년 자녀들의 무분별한 소비습관 방지를 위한 결제 허가 관리 시스템)

  • Kim, dayoung;Kim, KyeYoung;Moon, Daejin;Cho, Dae-Soo
    • Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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    • 2016.10a
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    • pp.573-575
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    • 2016
  • Consumption habits of children who economic consumption habits has not been established is a very big concern for parents. According to the credit recovery committee (2006) youth consumption behavior and needs assessment of the education of, he answered that 60.9% of young people have experienced the impulse buying. Student consumption of is done in pin money to receive almost to the parent. Most of the pin money, in order to be paid in cash, is often consumed with the payment directly in the offline sales floor. Pin money is, or waste to students senseless consumption, to trick the price of the purchase goods, to parents, so as to require a greater amount without parental monitoring and agree. In this paper, we would like to propose a system to solve the problem of giving the authority to make decisions off-line payment from student to the parent.

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A Study on the Improvement Legal System for Dispute Settlement related to Game Payment of Minors (미성년자 게임결제 관련 분쟁 해결을 위한 법제개선 연구)

  • Kim, Sang-Tae;Huh, Joon-Young
    • Journal of Korea Game Society
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    • v.18 no.6
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    • pp.121-130
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    • 2018
  • Game users purchase contents in order to enjoy games, which is the case as for minors. The most frequently used payment method for minors' purchasing game contents is many kinds of gift certificates. Other payment methods include adding the payment to their cellular phone bills and charging it to their parents' credit cards. Although such payment methods are easily used due to convenience, consequent disputes are also continuously increasing. Both users and game service providers suffer damage due to the disputes related to game payments by minors and, in some cases, such problem also becomes a social issue. The purpose of this study is to present data for the standardization of refund policy (system) for payments made by minors by investigating and analyzing the laws and institutions related to game payments by minors and examining relevant dispute cases, in order to prevent and solve such disputes efficiently.

Health Problems and Coping of Workers under Special Employment Relationships: Home-visit Tutors, Insurance Salespersons, and Credit Card Recruiters (특수고용형태근로종사자들의 건강문제와 대처: 학습지 교사, 보험설계사, 신용카드회원모집인을 중심으로)

  • Park, Bohyun;Jo, Yeonjae;Oh, Sangho
    • Korean Journal of Occupational Health Nursing
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    • v.28 no.4
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    • pp.208-220
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    • 2019
  • Purpose: This study aimed to determine health problems experienced by workers in special employment relationships (WSER) and identify coping strategies used when such problems occur. Methods: This qualitative study used the focus group interview method. Thirteen study participants included five home-visit tutors, five insurance salespersons, and three credit card recruiters. The interviews were conducted from November 2018 through January 2019, with each occupational group interview lasting about 2 hours. Analysis based on phenomenological research was independently performed by two researchers. Results: Most participants had common health problems involving vocal cord symptoms, and stress related to emotional labor and traffic accidents. The unique health problems included cystitis, musculoskeletal, and digestive symptoms in home-visit tutors; reduced vision and hearing in insurance salespersons; and mental distress in credit card recruiters. There was no protection system for their health coverage, and the company emphasized their self-employed status to avoid taking responsibility for them. Twelve participants did not purchase occupational accident insurance owing to both not having adequate information and economic burden concerning premium status. Conclusion: WSER experienced both physical and mental health problems. These problems were caused by their unstable employment status, and the social security system for their coverage being non-functioning.

Optimal Ratio of Data Oversampling Based on a Genetic Algorithm for Overcoming Data Imbalance (데이터 불균형 해소를 위한 유전알고리즘 기반 최적의 오버샘플링 비율)

  • Shin, Seung-Soo;Cho, Hwi-Yeon;Kim, Yong-Hyuk
    • Journal of the Korea Convergence Society
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    • v.12 no.1
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    • pp.49-55
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    • 2021
  • Recently, with the development of database, it is possible to store a lot of data generated in finance, security, and networks. These data are being analyzed through classifiers based on machine learning. The main problem at this time is data imbalance. When we train imbalanced data, it may happen that classification accuracy is degraded due to over-fitting with majority class data. To overcome the problem of data imbalance, oversampling strategy that increases the quantity of data of minority class data is widely used. It requires to tuning process about suitable method and parameters for data distribution. To improve the process, In this study, we propose a strategy to explore and optimize oversampling combinations and ratio based on various methods such as synthetic minority oversampling technique and generative adversarial networks through genetic algorithms. After sampling credit card fraud detection which is a representative case of data imbalance, with the proposed strategy and single oversampling strategies, we compare the performance of trained classifiers with each data. As a result, a strategy that is optimized by exploring for ratio of each method with genetic algorithms was superior to previous strategies.

Incentive Mechanism based on Game Theory in Kad Network (Kad 네트워크에서 게임 이론을 바탕으로 한 인센티브 메커니즘)

  • Wang, Xu;Ni, Yongqing;Nyang, Dae-Hun
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.20 no.3
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    • pp.43-52
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    • 2010
  • The Kad network is a peer-to-peer (P2P) network which implements the Kademlia P2P overlay protocol. Nowadays, the Kad network has attracted wide concern as a popular architecture for file sharing systems. Meanwhile, many problems have been coming out in these file sharing systems such as freeriding of users, uploading fake files, spreading viruses, and so on. In order to overcome these problems, we propose an incentive mechanism based on game theory, it establishes a more stable and efficient network environment for Kad users. Users who share valuable resources receive rewards by increasing their credits, while others who supply useless or harmful files are punished. This incentive mechanism in Kad network can be used to detect and prevent malicious behaviors of users and encourage honest interaction among users.

A Linked Analysis Method between Commercial district Information and Survey Information (상권정보와 설문정보의 연계 분석 방법)

  • Lee, Won-Cheol;Kang, Man-Su;Kim, Jinho
    • The Journal of Bigdata
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    • v.5 no.2
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    • pp.29-42
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    • 2020
  • In Korea, micro-enterprises are in charge of an important part of the common people's economy, but face difficulties such as excessive competition, deteriorating profitability, and concentration of life-oriented industries. In order to solve this problem, the government is providing commercial district analysis services for micro-enterprises. However, the data provided by various organizations is not standardized, and there is a limit to the composition of the service with limited data. In this paper, we propose a method of solving the data consistency problem and linking and analyzing between questionnaire information and commercial district information to expand the data analysis service. The proposed linking methods are three methods: linking the commercial area information and questionnaire information in the same area based on the type of business and area, linking the survey information centered on individual micro-enterprise, and linking a small area of questionnaire information with a large area of commercial district information. The linked commercial district information and questionnaire information can be used in various ways or expanded analysis services. This proposed a method to overcome the limitations of existing commercial district analysis services with questionnaire information and lay the foundation for expanding the commercial district analysis services necessary for micro-enterprises.

Design and Implementation of a Survey System for Expanding Big Data-Based Commercial District Service (빅 데이터 기반의 상권 서비스 확장을 위한 설문조사시스템 설계 및 구현)

  • Lee, Won-Cheol;Kang, Man-Su;Kim, Jinho
    • The Journal of Bigdata
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    • v.5 no.2
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    • pp.171-186
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    • 2020
  • The proportion of micro-enterprises and self-employed in Korea is excessively high compared to that of major developed countries, and frequent start-ups and business closures are repeated, causing enormous damage to the national economy. In order to solve this problem, various studies are underway for micro-enterprises, and the government provides commercial district information analysis services using big data for micro-enterprises. Among the commercial district information analysis services, the commercial district information analysis of our village store operated by the Seoul Metropolitan Government is continuously improving its service to provide the big data analysis service related to micro-enterprises. Since the service was built by integrating big data provided by various organizations, however, there are limitations in data reliability, data analysis, and service composition. In order to overcome these limitations, this paper proposes a location-based survey system that can be analyzed in conjunction with big data-based commercial district services. The proposed questionnaire survey system established the basis for expending the big data commercial district analysis service by linking the survey information and commercial district information.