• Proceedings of the Korean Society of Computer Information Conference
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• 2011.06a
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• pp.257-259
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• 2011

본 연구는 웹기반 신용교육에서 학습자의 몰입과 학습효과간의 관계를 분석하여 이를 기반으로 프로그램의 기획, 설계에 있어 시사점을 제공하기 위한 연구이다. 기존 연구 결과에 기초하여 웹기반 신용교육에서 몰입에 영향을 미치는 영향요인들을 학습자의 자기효능감, 상호작용성, 프로그램 유용성으로 정리하고, 몰입수준, 학습효과간에 어떠한 인과적 관계가 있는지 규명하였다. 분석결과 첫째, 상호작용성과 프로그램 유용성이 몰입수준, 학업만족도, 학습전이도 등과 상관관계가 높은 것으로 나타났다. 둘째, 몰입 영향요인으로 정리된 자기효능감, 상호작용성, 프로그램 유용성은 모두 몰입수준에 유의한 영향을 주는 것으로 나타났다. 셋째, 몰입 영향요인 중 상호작용성과 프로그램 유용성은 몰입수준 촉진을 매개로 하여 학습효과에 긍정적인 영향을 미치는 것으로 밝혀졌다.

• Journal of the Korea Society of Computer and Information
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• v.10 no.6 s.38
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• pp.239-252
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• 2005

Ubiquitous Sensor Network(USN) , the core technology for the Ubiquitous environments ,must be operated in the restrictive battery capacity and computing. From this cause, USN needs the lightweight design for low electric energy and the minimum computing. The previous mutual authentication. based on J$\emptyset$sang's trust model, in USN has a character that makes the lightweight mutual authentication possible in conformity with minimum computing. But, it has an imperfection at the components of representing the trust from a lightweight point of view. In this paper, we improve on the J$\emptyset$sang's trust model to apply a lightweight mutual authentication in USN. The proposed trust model in USN defines the trust information with the only degree of trust-entity(x)'s belief. The defined trust information has a superiority over the J$\emptyset$sang's trust model from a computing Point of view. because it computes information by Probability and logic operation(AND).

• Journal of Technology Innovation
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• v.26 no.2
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• pp.129-149
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• 2018

Technology finance is an area in which financial authorities have introduced and implemented a strong policy will for the advancement of the financial industry and the development of SMEs. As a result, the Bank's own technology evaluation was conducted from September 2016. Technically superior companies are upgrading their credit ratings, and as a result, they benefit from financial transactions as much as their higher credit ratings through technology evaluation. Based on the data generated during this process, we analyze the degree to which credit ratings was upgraded by technology evaluation. The pre study handles 406 data from KEB Hana Bank's technology evaluation conducted in the second half of 2016. As a result of combining the credit rating with the calculated technology rating, J58 'Publishing Activities' technology-credit rating is raised by 1.05 rating, which is the highest, and C10 'Manufacture of Food Products' is the second highest. As a result, we were able to identify the sectors that benefited from the technology evaluation and confirmed the usefulness of technology evaluation by industry(KSIC). To expanding the study, 2,719 companies evaluated during the entire period were analyzed by technology grade, business experience and promising growth industry code. As a result of the analysis, technological power over T-4 grade companies had the highest credit rating upgrades. The companies belonging to promising growth industries designated for efficiency of policy support, it is confirm that the support of the promising business type was useful because the credit grade was upgraded through technology evaluation. The validity of the technology evaluation based on the five-year business experience was found to be insignificant. In the future, it will be possible to maximize the support effect by concentration on the companies with over T-4 grade and growth potential companies when supporting SMEs.

• Journal of Service Research and Studies
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• v.6 no.1
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• pp.29-50
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• 2016

The purpose of this study is to identify the motivation of using and choosing factors in credit cards. These results indicate that considerate of other people factor may emphasize the convenience and safety in using credit cards, while the leisure factor may prefer the real-worth factor as they know that the more they use, the more benefits they would get. As the personality factor and the fashion factor, we can pay much attention to the advertisements, promotions, card designs, the colors, the characters and the social positions of the card holders and that considerate other people factor may like the low annual fees and the accumulating points, buying items on the installments without paying additional interest, which had offered them cash service and card loan. The authors of this paper has suggested an information by which credit card companies can establish the strategies according to the lifestyle of the elderly in silver business market.

• Agrochemical news magazine
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• v.21 no.1 s.154
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• pp.46-49
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• 2000

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• Proceedings of the Korean Institute of Intelligent Systems Conference
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• 2005.04a
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• pp.293-296
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• 2005

최근 우리나라는 가계신용의 급신장과 신용불량의 급증 등으로 개인 신용부문이 금융기관의 건전성 유지에 부정적인 영향을 미치고 있다. 이러한 잠재적 문제를 사전에 방지하기 위해 금융기관 등에서는 개인 신용평가에 대한 수요가 커지고 있는 실정이다. 주어진 데이터로부터의 반복적인 학습 과정을 거쳐 패턴을 분류하고 또한 모델과 학습 방법에 따라 입력변수와 목적변수의 속성이 연속형이나 이산형인 경우를 모두 다룰 수 있는 신경망 모델은 개개인의 다양하고 복잡한 데이터를 입력변수로 받아서 신용등급을 나누는데 우수한 능력을 보여줄 수 있다. 본 논문에서는 신경망 모델을 이용해 개인의 신용등급을 객관적이고 일률적으로 평가해서 등급을 나누어주는 알고리즘을 제안하고자 한다.

• Journal of Digital Convergence
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• v.12 no.11
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• pp.99-112
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• 2014

This study the impact on the real earnings management credit rating (RANK), and looked at the impact on the real earnings management grade credit rating changes (decrease, increase) the effects in detail. firm for a total of 06 years for firm that are listed on the Korea Stock Exchange from 2008 to 2013 for the hypothesis - using the proceeds of the year 2,583 sample were analyzed to study. A regression analysis of the relevance of the credit rating (RANK) and real earnings measured results between the credit rating and a measure of real earnings management ACFO and ADE (+) between AMC (-) IFRS and receive relevant ADE between(+) between AMC (-) if the credit rating (RANK) is increased ACFO and is significantly sound level at 1% showed the relevance of (+) did not significantly ADE (+) 10% of AMC if the credit rating fell ACFO is (-) from AMC show the relevance of positive credit rating is dropped capital letter showed for performing real earnings management of positive even give up the future cash flow in order to reduce the cost.

• Journal of Korea Fair Competition Federation
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• no.89
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• pp.12-15
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• 2003

신용카드산업에 대한 경쟁정책은, 변형된 과점상태의 시장이라는 특성이 심도 있게 고려되었으면 하는 바람이다. 신용카드시장의 pricing이 상대적 비탄력성 등으로 인해 야기하는 담합의 문제는 엄격하고 객관적인 정황증거가 필요함은 물론이다. 과점시장의 가격일치는 의식적 병행행위(conscious parallelism)로 생성된 경우가 일반적이며, 이러한 단순한 행위에 대하여는 합의를 추정할 만한 정황증거가 없는 한 위법이 아니라는 견해가 일반적으로 받아들여지고 있기에 그러하다.

• KDI Journal of Economic Policy
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• v.34 no.4
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• pp.69-90
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• 2012

This paper explores the effect of the countercyclical capital buffer using a DSGE (Dynamic Stochastic General Equilibrium) model with a banking sector. The main results are following. First, if the CAR (capital asset ratio) rises by 1%p as the countercyclical capital buffer, output and credit would increase less than otherwise by 0.8%p and 1.2%p, respectively. Second, the countercyclical capital buffer would decrease both credit and debt of banks, or deposit, and, as a result, boost the CAR. However, if we are going to use monetary policy to control credit expansion by allowing the interest rate to respond to credit, bank capital would also diminish, which would cause the CAR to be lower.