• Journal of the Korean Society of Clothing and Textiles
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• v.28 no.12 s.138
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• pp.1571-1582
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• 2004

Consumer's impulse buying behavior is extensive in everyday contexts. Credit cards promote spending by making the transaction simpler and by removing the immediate need for money. College students grown up in a credit card society attain cards at college's time and keep cards for 10 years over. In an effort to extend understanding of consumer behavior across cultures, this paper examines the cultural differences of impulse buying behavior and credit card use between Korean and American college students, and to investigate the relationships between impulse buying behavior and credit card use in each group. Data were obtained from student credit card users attending universities in metropolitan areas in Korea(N=154) and America(N=194). Data were analyzed using by Confirmatory Factor Analysis, MANOVA, MDA, and Regression. The results indicated there are significant differences of fashion-oriented impulse buying and credit card use between American and Korean college students. The impulse buying behavior is likely to increase for both Korean and American students who use credit cards for spending. Findings suggest that credit card use is important in predicting impulse buying behavior across these two cultures. Implications are drawn for the increasing global phenomenon impulse buying behavior and credit card use.

• The Korean Journal of Financial Management
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• v.18 no.2
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• pp.27-55
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• 2001

본 연구는 기업의 부채만기와 결정요인의 관련성에 대한 이론적 논거를 제시하고 우리나라 상장제조기업을 대상으로 대기업과 중소기업으로 구분하여 기업규모별 부채만기 결정요인을 다중회귀분석으로 실증적으로 규명하고자 하였다. 실증적 분석 대상기간은 1995년부터 2000년까지 6개년으로 분석기간 동안 신용평가 전문기관으로부터 회사채 신용등급을 평가받은 제조기업 204개 기업을 표본으로 선정하여 분석하였다. 연구결과를 종합하면 우리나라 상장제조기업으로 대기업과 중소기업 모두 기업규모가 크고 레버리지가 높고 자산의 만기가 긴 고정자산을 많이 보유하고 있는 기업일수록 부채만기구조에서 장기부채를 많이 이용하고 있는 것으로 입증되었다. 성장옵션과 법인세율은 부채만기결정에 영향을 미치지 못하는 것으로 나타났으며 기업의 우량성과 유동성위험을 나타내는 수익증가율과 채권등급은 대기업의 주요 부채만기 결정요인으로 나타났다. 수익증가율이 크고 채권신용등급이 높은 우량대기업일수록 단기부채를 많이 이용하는 것으로 확인되었으며 중소기업은 기업의 우량성과 신용등급이 부채만기에 유의적인 영향을 미치지 않았다.

• 한국벤처창업학회:학술대회논문집
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• 2019.11a
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• pp.157-159
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• 2019

최근 세계 주요국가들은 4차 산업혁명 시대의 새로운 도약의 기회이자 글로벌 금융위기 이후 경제발전 전략의 하나로 스타트업 생태계 발전을 가속화하고 있다. 한국 또한 새로운 일자리 창출과 경제성장의 핵심 원동력으로 스타트업 생태계 활성화에 주력하고 있으며, 이러한 시대적 흐름에 따라 창업금융의 중요성 또한 커져가고 있다. 이에 본 연구에서는 한국 스타트업 생태계의 현황과 문제점을 진단하고, 이러한 문제점 해결에 일조하기 위해 신용보증기금이 운용하고 있는 창업금융 프로그램중 퍼스트펭귄보증, 투자옵션부보증, Start-up Nest 등의 프로그램을 살펴본다. 이렇듯 구체적인 지원사례를 파악하고, 성과분석을 통해 해당 프로그램이 가진 장점과 추가로 보완할 점에 대해 명확히 인식하고 향후 창업금융의 발전방안 및 나아갈 방향을 모색하고자 한다.

• The Korean Journal of Applied Statistics
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• v.22 no.2
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• pp.237-248
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• 2009

The probability of default on the credit evaluation study is represented as a linear combination of two distributions of default and non-default, and the distribution of the probability of default are generally known in most cases. Except the well-known Kolmogorov-Smirnov statistic for testing the identity of two distribution, Kuiper, Cramer-Von Mises, Anderson-Darling, and Watson test statistics are introduced in this work. Under the assumption that the population distribution is known, modified Cramer-Von Mises, Anderson-Darling, and Watson statistics are proposed. Based on score data generated from various probability density functions of the probability of default, the modified test statistics are discussed and compared.

• Journal of Families and Better Life
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• v.23 no.5 s.77
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• pp.15-26
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• 2005

The purpose of this study was to investigate the factors affecting credit card attitudes, financial management practices, and sound credit card use among college students, and to conceptualize a theoretical model. Earlier studies identified a number of antecedent variables (such as gender, year in college, job experience, amount of allowance, family income, living with parents, having taken a personal financial management course) and intervening variables (such as attitudes towards credit cards and financial management practices) as useful predictors of sound credit card practices. Four hundred and thirty four undergraduate students in Daejeon participated in this study. Stepwise multiple regression and path analysis were conducted. The results of this study were as follows: 1. Students' attitudes towards credit cards were affected by their you in college, whether they were living with their parents, and the amount of their allowance. Similarly, students' financial management practices were affected by their year in college, whether they were living with their parents, the amount of their allowance, and whether and not they had taken a personal financial management course. 2. Sound credit card practices were influenced by students' gender, their year in college, the amount of their allowance, attitudes towards credit cards, and financial management practices. 3. The path-analysis model demonstrates the relationships among the antecedent variables, intervening variables (credit card attitude, financial management practices), and sound credit card use.

• The Korean Journal of Applied Statistics
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• v.21 no.6
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• pp.1065-1075
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• 2008

For the model validation of credit rating models, Kolmogorov-Smirnov(K-S) statistic has been widely used as a testing method of discriminatory power from the probabilities of default for default and non-default. For the credit rating works, K-S statistics are to test two identical distribution functions which are partitioned from a distribution. In this paper under the assumption that the distribution is known, modified K-S statistic which is formulated by using known distributions is proposed and compared K-S statistic.

• Journal of the Korea Society of Computer and Information
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• v.29 no.5
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• pp.11-20
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• 2024

This study presents TabNet, a novel deep learning method, to enhance corporate credit rating accuracy amidst growing financial market uncertainties due to technological advancements. By analyzing data from major Korean stock markets, the research constructs a credit rating prediction model using TabNet. Comparing it with traditional machine learning, TabNet proves superior, achieving a Precision of 0.884 and an F1 score of 0.895. It notably reduces misclassification of high-risk companies as low-risk, emphasizing its potential as a vital tool for financial institutions in credit risk management and decision-making.

• Culinary science and hospitality research
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• v.16 no.4
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• pp.76-93
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• 2010

The hypothesis testing on the impact relationship of patterning, reliability, kindness and credibility, which are perceived as choice attributes in a coffee shop laid out in this study, showed that they are fit to the models of this study. They also bad a direct repercussion on customer satisfaction, and the customer satisfaction equally affected revisit and word-of-mouth intention. This results show that when the patterning and reliability, and employees' kindness and credibility based on the fresh image in the shop serve as the foundation, its customers also affect satisfaction-maximization, leading to the revisit of the satisfied customers and positive word-of-mouth.

• 수도
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• s.61
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• pp.87-93
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• 1993

• The Journal of Korean Association of Computer Education
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• v.11 no.1
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• pp.97-107
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• 2008

The result verification that determines correctness for the work results calculated in each PC is one of the most important issues in PC grid environments. In this literature, voting-based and trust-based schemes have been mainly used to guarantee the correctness of work results. However, these schemes suffer from both waste of resource utilization and high computation delay because they can not effectively cope with dynamic computational environments. To overcome these shortcomings, we introduce the distribution information of PC resources based on credibility and availability into result verification phase. Using this information, we propose a new result verification scheme, which can determine the correctness of work results by each PC resources' credibility and cope with the dynamic changing environments by each PC resources' availability. To demonstrate the efficiency of our result verification scheme, we evaluate the performance of our scheme from the viewpoints of turnaround time and resource utilization, utilizing resource distribution information in the Korea@Home that is a representative PC grid system in domestic. We also compare the performance of our scheme with that of other ones.