• Title/Summary/Keyword: 지역적 차별화

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Risks of Mortgage-Backed Securities and Their Pricing (MBS의 위험과 가치평가)

  • You, Jin
    • The Korean Journal of Financial Management
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    • v.24 no.3
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    • pp.29-62
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    • 2007
  • We examine the methods to increase MBS values given parameters of default risks of individual mortgages and their correlation, and analyze the effects of these parameters on the efficiency of the methods. First, the values of MBS can be improved when they are comprised of low-correlation mortgages regardless of specific forms of investors' utility functions. Second, the values of MBS can also be raised even after their components mortgages are determined. More specifically, when investors' utilities are heterogeneous, CMO's of a less risky tranche and a riskier tranche are highly valued compared with pass-through securities of two identical tranches. When investors' utilities are homogeneous(risk averse), however, the latter meets the needs of investors better than the former does. Third, it can be shown that the efficiency of the methods in this paper is an increasing function of default risks of mortgage loans or of the correlation between them, and a decreasing function of the amount of the price fall of MBS when in default.

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A Study on the Adaptation of Smart Growth Principles for the Port Waterfront city Regeneration Planning - Focused on the Jeju Port Center - (항만수변도시 재생계획의 스마트 성장원칙 활용에 관한 연구 - 제주시 제주항을 중심으로 -)

  • LEE, Seang-Ki;CHOI, Yong-Bok
    • Journal of the Korean Association of Geographic Information Studies
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    • v.21 no.3
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    • pp.149-161
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    • 2018
  • As a result of analyzing the relationship between the smart growth principle and the regenerating factors of the port waterfront city, it was found to be highly related to the port waterfront regeneration plan. Factors that are related to the application of smart growth principle derived from association analysis are as follows: ⯈ community development suitable for walking ⯈ differentiated and attractive community building with definite place, ⯈ open space, farmland, beautiful natural scenery, environmental preservation, ⯈ strengthening and inducing development for existing communities, and providing diversity of transportation options. However, in the Jeju port redevelopment plan, the principles such as ⯈ complex land use ⯈ advantage of high-density architectural design method, ⯈ various housing opportunities and options, etc., need to be applied in implementation design. Since Jeju city and Jeju port possess the strong characteristic features of port waterfront city, so it is necessary to develop jointly applying smart growth principle through integrated port waterfront city regeneration plan.

Empirical Study and Evaluation of Case-Based Learning for Improvement of Learning Outcome (학습 성과 개선을 위한 사례기반 학습의 실험적 연구 및 평가)

  • Kim, Seong-Kee;Kim, Young-Hak;Yoon, Hyeon-Ju
    • The Journal of Korean Association of Computer Education
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    • v.14 no.6
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    • pp.53-64
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    • 2011
  • This paper proposes and evaluates empirically a new recommendation method in order to improve the learning achievement of learners using case-based method. In this paper, we first carried out a survey targeting teachers who work currently in Gyeongbuk area, and constructed learning cases depending on critical factors of learning. We next recommended differentiated learning methods to learners classifying according to learning cases by achievement level through this survey. The students of a middle school took part in the experiment in order to evaluate empirically the proposed learning cases. The students were divided into three groups by their achievement level and three separate learning cases were applied to each group. The weights among learning improvement elements applying to each group were added through the survey result of teachers. The experiment using the proposed case-based recommendation method showed that the learning achievement of learners is improved considerably compared to the previous one.

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A Real-time Service Recommendation System using Context Information in Pure P2P Environment (Pure P2P 환경에서 컨텍스트 정보를 이용한 실시간 서비스 추천 시스템)

  • Lee Se-Il;Lee Sang-Yong
    • Journal of the Korean Institute of Intelligent Systems
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    • v.15 no.7
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    • pp.887-892
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    • 2005
  • Under pure P2P environments, collaborative filtering must be provided with only a few service items by real time information without accumulated data. However, in case of collaborative filtering with only a few service items collected locally, quality of recommended service becomes low. Therefore, it is necessary to research a method to improve quality of recommended service by users' context information. But because a great volume of users' context information can be recognized in a moment, there can be a scalability problem and there are limitations in supporting differentiated services according to fields and items. In this paper, we solved the scalability problem by clustering context information Per each service field and classifying il per each user, using SOM. In addition, we could recommend proper services for users by measuring the context information of the users belonging to the similar classification to the service requester among classified data and then using collaborative filtering.

An Analysis of Novice Teachers' Specialized Content Knowledge for Teaching in High School Calculus Lessons (고등학교 미적분 수업에서 나타나는 초임교사의 교수를 위한 전문화된 수학 내용 지식(SCKT))

  • Koh, Hee Jeong;Choi-Koh, Sang Sook
    • Journal of the Korean School Mathematics Society
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    • v.16 no.1
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    • pp.157-185
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    • 2013
  • This study was to investigate novice teachers' Specialized Content Knowledge for Teaching in High School Calculus Lessons. The lessons of two novice teachers in Kyunggi Do were observed from July, 2011 to Feb. 2012. All observed lessons were audeotaped and transcribed into word files. Their calculus lessons were analyzed into three kinds of knowledge consisting of SCKT. Their SCKT just copied the contents of the textbook and other additional SCKT were not found for teaching. Even though students asked a question that they did not understand, the teacher just repeated the previous contents that already he used. But this study included possible contents of SCKT within the areas these teachers covered so that teachers in school may use for teaching of Calculus. The novice teacher do not have sufficient experience, the program of the college of education and the contents of the teacher certificate-examination should include multi-dimensional approaches in SCKT to pre-service teachers in order to raise better specialized teachers in mathematics.

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The Effect of Silkpeptide Powder on the Quality of Rice Dasik (실크펩타이드 분말 첨가가 쌀다식의 품질변화에 미치는 영향)

  • 김애정;여정숙;우경자;임영희;김미원
    • Journal of the East Asian Society of Dietary Life
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    • v.12 no.1
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    • pp.65-69
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    • 2002
  • This study was conducted to investigate the effect of added silkpeptide powder on the quality (nutrient content and sensory evaluation score) of the rice Dasik. Rice Dasik was prepared with 0, 1, 2, 3, and 4% concentration of silkpeptide powder. The sensory evaluation scores for the group of the rice Dasik with 2% silkpeptide powder were found to be significantly higher than those of other groups. Increasing silkpeptide powder led to the significant increase in the contents of crude protein and crude ash. But there were no significant differences in contents of crude fat and moisture. And the contents of Ca, K and Mg of silkpeptide powder groups were higher than those of the silkpeptide powder free group.

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The Effect of Menu Quality of Family Restaurants on Customer Satisfaction, Trust, Revisit Intention (패밀리 레스토랑 메뉴 품질이 고객 만족, 신뢰, 재방문 의도에 미치는 영향)

  • Lee, Seung-Ik;Choi, Soo-Keun
    • Culinary science and hospitality research
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    • v.15 no.1
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    • pp.16-29
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    • 2009
  • Although the effect of menu quality is very important in customer satisfaction and restaurant management, there are so many problems; many restaurants have not gotten out of their existing frames and ideas of customer services and management. Thus, this study chose some family restaurants, O, T, V, B, M in Seoul and Gwangju and examined the relationships of customer satisfaction, trust and revisit intention identified by their menu quality, using statistical data of total 199 copies of questionnaire. First, menu quality turned out to influence customer satisfaction partially. Second, customer satisfaction turned out to influence revisit intention. Third, trust of a customer turned out to influence revisit intention. In this respect, the image from menu quality of family restaurants perceived by customers must have affected customer satisfaction, trust, and revisit intention positively. Thus, it is expected that the study can contribute to working out effective business strategies in family restaurants in future.

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Comparable Influencing Factors for Quality of Health-Life in Osteoarthritis Patients in Urban and Rural Areas (도시와 농촌의 골관절염 환자의 건강관련 삶의 질에 영향을 미치는 융합적 요인 비교)

  • Song, Hye Young;Park, Min Hee
    • Journal of the Korea Convergence Society
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    • v.8 no.6
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    • pp.311-323
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    • 2017
  • The purpose of this study is to compare factors influencing the quality of life of osteoarthritis patients in urban and rural areas. The data were derived from the sixth Korea national health and nutrition examination survey in 2014 and analyzed using the IBM SPSS Statistics version 21.0 software package considering complex samples analysis. The subjects of study were 599 adults with osteoarthritis over 50 years. The results of the study show that the factors affecting the urban patients' quality of life are healthcare coverage types, knee joint pain, knee ankylosis, hip joint pain, low back pain, limited activities, and subjective health status. The rural patients' quality of life are influenced by knee joint pain, limited activities, and alcohol consumptions. Therefore, the government should create differentiating strategies and approaches, including community rehabilitation programs, to improve the quality of life of urban and rural patients with osteoarthritis.

A Study on the Current State and Improvements of the Public Library Services for Older Adult in Korea (우리나라 공공도서관 노인서비스 현황과 개선방안에 관한 연구)

  • Bae, Kyungjae
    • Journal of the Korean Society for information Management
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    • v.38 no.3
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    • pp.199-214
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    • 2021
  • This study was conducted with the aim of identifying the current state and improvements of the public library services for older adult in Korea. According to the online survey of public libraries in urban areas across the country, a total of 172 libraries responded. Research shows that public libraries generally recognize the importance of elderly users, but there are limitations in active efforts. The priority area for library collection and space/facilities was to be strengthened by the expansion of large type and voice books/periodical books, as well as the need to ask librarians for help to find books in high bookshelves. In the case of library services/programs, the areas that need to be strengthened first were analyzed as social participation programs and humanities programs. The librarians in charge of information services expressed their opinions that more specialized services and programs should be planned and subdivided for the elderly generation in order to provide older adults' services unique to other older adults' service institutions.

An Evaluation of Importance and Performance for the Silver Orchestra Program Using IPA (중요도-만족도 분석(IPA) 기법을 활용한 노인복지관의 실버 오케스트라 프로그램 평가에 대한 연구)

  • Her, Soon-Goo
    • The Journal of the Korea Contents Association
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    • v.20 no.12
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    • pp.287-300
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    • 2020
  • The present study applied the IPA(Importance-Performance Analysis) to derive several practical alternatives for the improvement of Chuncheon Silver Orchestra program using IPA(importance-performance analysis). Most importantly, this work performed a comparative study using sample data collected from two groups of silver member(N=53) and program operator(N=32). A careful literature review leaded to the development of six types of evaluation sectors, including 'connection with the local community', 'budget operation', 'program operation', 'manpower operation', 'public relations strategy' as well as 'environment for program operation'. This work further devised twenty-two evaluation items. The results indicated that silver member group rated 'manpower operation' the highest in their both perceived importance and performance. Program operator group rated 'budget operation' and 'manpower operation' rated the highest in their perceived importance and performance, respectively. The results form IPA matrix analysis provides an important implication that much efforts and interests should be sustainably given from the perspective of the silver member group and the program operator group coupled with four types of IPA quadrant, accordingly.