• 제목/요약/키워드: Asset Quality

검색결과 163건 처리시간 0.022초

신용협동조합의 영업다각화가 경영성과에 미치는 영향 (The Diversification and Financial Performance of Korean Credit Unions)

  • 현정환
    • 아태비즈니스연구
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    • 제9권3호
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    • pp.37-50
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    • 2018
  • This paper examines the relationship between diversification and financial performance of community credit unions in Korea from 2011 to 2017. To do so, I employ fixed-effects panel analyses using credit union level panel data collected from the National Credit Union Federation of Korea. This study finds evidence that business diversification is likely to lower the ratio of troubled loans, which means improving asset quality of credit unions. However, the relationship between diversification and asset quality is not linear but nonlinear, which means over-diversification would have negative effects on asset quality. Next, diversification tends to increase profitability. Specifically, although diversification results in a rise in expenditures, an increase in profits made by diversification outweighs the rise in expenditures, which contributes to profitability. Put together, diversification would be a good business strategy to improve both profitability and asset quality. Given a result that fast loan growth deteriorates asset quality, credit unions' managers might adopt the diversification strategy to enhance asset quality, and not to pursue their own objectives motivated by moral hazards.

블룸버그(Bloomberg)를 이용한 한국기업의 자기자본비용 추정에 대한 타당성 분석 (The Critical Analysis of the Bloomberg Estimation of the Cost of Equity Capital for Korean Firms)

  • 박경도;안성필
    • 아태비즈니스연구
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    • 제9권4호
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    • pp.29-47
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    • 2018
  • This paper examines the relationship between diversification and financial performance of community credit unions in Korea from 2011 to 2017. To do so, I employ fixed-effects panel analyses using credit union level panel data collected from the National Credit Union Federation of Korea. This study finds evidence that business diversification is likely to lower the ratio of troubled loans, which means improving asset quality of credit unions. However, the relationship between diversification and asset quality is not linear but nonlinear, which means over-diversification would have negative effects on asset quality. Next, diversification tends to increase profitability. Specifically, although diversification results in a rise in expenditures, an increase in profits made by diversification outweighs the rise in expenditures, which contributes to profitability. Put together, diversification would be a good business strategy to improve both profitability and asset quality. Given a result that fast loan growth deteriorates asset quality, credit unions' managers might adopt the diversification strategy to enhance asset quality, and not to pursue their own objectives motivated by moral hazards.

가공송전 전선 자산데이터의 정제 자동화 알고리즘 개발 연구 (Automatic Algorithm for Cleaning Asset Data of Overhead Transmission Line)

  • Mun, Sung-Duk;Kim, Tae-Joon;Kim, Kang-Sik;Hwang, Jae-Sang
    • KEPCO Journal on Electric Power and Energy
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    • 제7권1호
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    • pp.73-77
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    • 2021
  • As the big data analysis technologies has been developed worldwide, the importance of asset management for electric power facilities based data analysis is increasing. It is essential to secure quality of data that will determine the performance of the RISK evaluation algorithm for asset management. To improve reliability of asset management, asset data must be preprocessed. In particular, the process of cleaning dirty data is required, and it is also urgent to develop an algorithm to reduce time and improve accuracy for data treatment. In this paper, the result of the development of an automatic cleaning algorithm specialized in overhead transmission asset data is presented. A data cleaning algorithm was developed to enable data clean by analyzing quality and overall pattern of raw data.

구조적 시계열모형을 이용한 자산포트폴리오 관리의 개선 방안 (A Study on the Way to Improve Quality of Asset Portfolio Management Using Structural Time-Series Model)

  • 이창수
    • 품질경영학회지
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    • 제31권3호
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    • pp.160-171
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    • 2003
  • Criteria for the comparison of quality of asset portfolio management are risk and return. In this paper a method to use structural time-series model to determine an optimal portfolio for the improvement of quality of asset portfolio management is suggested. In traditional mean variance analysis expected return is assumed to be time-invariant. However, it is more realistic to assume that expected return is temporally dynamic and structural time-series model can be used to reflect time-varying nature of return. A data set from an insurance company was used to show validity of suggested method.

아키텍처 자산의 평가 방법 (Evaluation Method of Architecture Asset)

  • 최한용
    • 융합정보논문지
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    • 제8권5호
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    • pp.101-106
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    • 2018
  • 자산을 등록 관리하기 위한 다양한 소프트웨어가 연구되고 있으며 이와 같은 소프트웨어 시스템을 평가하기 위한 방법은 주관적인 평가기준을 대상으로 이루어져왔다. 본 연구에서는 선행된 자산관리 시스템의 복잡도 측정으로부터 얻어진 복합자산을 평가하기 위한 평가모델을 제안하고자 한다. 아키텍처 자산의 복잡성을 측정하기 위해 논리적 복잡도를 측정하여 제공하는 척도를 이용하였으며, 아키텍처 자산의 속성 값을 표현하고 있는지를 평가하기 위한 방법을 사용 하였다. 소프트웨어 평가 표준인 SQuaRE Series의 ISO/IEC 25010 품질 모델 특성을 기반으로 자산데이터의 사용성을 평가하기 위한 부특성의 평가모델 기준을 구축하였다. 자산은 복합자산으로 구성되어 설계되었을 때 각 자산의 특성에 따라 가중치를 부여한 부특성의 선택적 평가를 적용하여 평가모델의 유연성을 확보하도록 하였다.

비즈니스 기능 중심 지식자산 분류체계에 따른 기업 지식관리 사례 탐색 (Exploring Corporate Knowledge Management Cases Based on Business Function Oriented Knowledge Asset Classification Schema)

  • 김인숙;최병구;이희석
    • 경영정보학연구
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    • 제3권2호
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    • pp.245-260
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    • 2001
  • While past knowledge management researches have focused on conceptualization and strategic implications, knowledge asset researches attempt to provide practical guidelines for companies. However, each research classifies knowledge asset from its own perspective, and thus it is not a trivial task to leverage consistent and inclusive criteria in managing corporate knowledge asset. The objective of this paper is to develop a knowledge asset classification schema on the basis of the three business functions: customer relationship management, product innovation, and infrastructure management. To demonstrate the feasibility of our schema, it has been applied to 9 Korean corporations. Knowledge assets are evaluated according to core capabilities, which are main drivers of sustainable competitive advantages. The results of case study show that the leveraged classification schema reflects current knowledge asset management and characteristics of corporations. Our finding is that most top-quality knowledge management corporations are likely to develop well-balanced knowledge asset.

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지중 송전케이블 자산데이터의 자동 정제 알고리즘 개발연구 (Automatic Cleaning Algorithm of Asset Data for Transmission Cable)

  • Hwang, Jae-Sang;Mun, Sung-Duk;Kim, Tae-Joon;Kim, Kang-Sik
    • KEPCO Journal on Electric Power and Energy
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    • 제7권1호
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    • pp.79-84
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    • 2021
  • The fundamental element to be kept for big data analysis, artificial intelligence technologies and asset management system is a data quality, which could directly affect the entire system reliability. For this reason, the momentum of data cleaning works is recently increased and data cleaning methods have been investigating around the world. In the field of electric power, however, asset data cleaning methods have not been fully determined therefore, automatic cleaning algorithm of asset data for transmission cables has been studied in this paper. Cleaning algorithm is composed of missing data treatment and outlier data one. Rule-based and expert opinion based cleaning methods are converged and utilized for these dirty data.

Comparison of Machine Learning Analysis on Predictive Factors of Children's Planning-Organizing Executive Function by Income Level: Through Home Environment Quality and Wealth Factors

  • Lim, Hye-Kyung;Kim, Hyun-Ok;Park, Hae-Seon
    • 인간식물환경학회지
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    • 제24권6호
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    • pp.651-662
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    • 2021
  • Background and objective: This study identifies whether children's planning-organizing executive function can be significantly classified and predicted by home environment quality and wealth factors. Methods: For empirical analysis, we used the data collected from the 10th Panel Study on Korean Children in 2017. Using machine learning tools such as support vector machine (SVM) and random forest (RF), we evaluated the accuracy of the model in which home environment factors classify and predict children's planning-organizing executive functions, and extract the relative importance of variables that determine these executive functions by income group. Results: First, SVM analysis shows that home environment quality and wealth factors show high accuracy in classification and prediction in all three groups. Second, RF analysis shows that estate had the highest predictive power in the high-income group, followed by income, asset, learning, reinforcement, and emotional environment. In the middle-income group, emotional environment showed the highest score, followed by estate, asset, reinforcement, and income. In the low-income group, estate showed the highest score, followed by income, asset, learning, reinforcement, and emotional environment. Conclusion: This study confirmed that home environment quality and wealth factors are significant factors in predicting children's planning-organizing executive functions.

재구성 가능한 자산 아키텍처의 사용성 평가 (Usability Evaluation of Reconfigurable Asset Architecture)

  • 최한용
    • 산업융합연구
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    • 제20권5호
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    • pp.77-82
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    • 2022
  • 소프트웨어 자산을 평가하기 위해 정형화되지 않은 평가 방법으로 자산의 평가가 이루어져왔다. 본 연구에서는 기존의 소프트웨어 자산에 대한 복잡도의 측정으로부터 확보된 최적화된 자산의 사용성을 평가하고자 한다. 자산의 내부정보에 대한 논리적 복잡도를 측정하여 아키텍처의 복잡성에 대한 척도를 이용하였으며, 재사용성에 관여된 지표를 측정하여 소프트웨어 자산의 사용성과 어떠한 관계를 갖는지 평가하였다. 따라서 HVs는 두 가지 유형의 자산에 대하여 다양한 자산의 구성 방식에 따라 일정한 비율을 유지하며 적용되는 특성을 갖고 있는 것을 알 수 있다. 그러므로 자산의 사용성면에서 최적화된 자산은 가능한 다양성을 확보한 상태에서 아키텍처 설계과정에 정형성을 갖고 적용할 수 있을 것이다.

프로덕트 라인 공학의 핵심자산 재사용성 평가를 위한 품질시스템 (A Quality System for Evaluating Reusability of Core Assets in Product Line Engineering)

  • 오상헌;허진선;김지혁;류성열;김수동
    • 한국정보과학회논문지:소프트웨어및응용
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    • 제33권3호
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    • pp.277-288
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    • 2006
  • 프로덕트 라인 공학(Product Line Engineering, PLE)은 소프트웨어 재사용을 위한 새로운 접근 방법이고, 핵심자산은 인스턴시에이션(Instantiation)을 통하여 어플리케이션을 개발하기 위한 큰 재사용 단위이다. 따라서, 핵심자산은 PLE의 중요한 요소이므로 핵심자산의 재사용성은 PLE 프로젝트의 큰 성공을 결정한다. 핵심자산은 전체가 아니라 재사용 부품(Part)에 불과하며, 고정된 기능뿐만 아니라 가변적인 기능도 포함, 지원하고 있다. 그러나, 기존의 품질모델로는 이러한 특성을 가지고 있는 핵심자산을 평가하기에는 한계가 있다. 따라서, 본 논문에서는 이러한 문제점을 해결하기 위해 ISO/IEC 9126을 기반으로 하여 핵심자산의 재사용성을 평가하기 위한 체계적인 품질시스템을 제안한다. 핵심자산의 중요한 특징들을 식별하고 식별된 재사용성의 특징을 기반으로 품질속성(Quality Attribute)을 도출한다. 이렇게 정의된 품질속성을 이용하여 메트릭을 정의한다. 또한 제안된 메트릭을 이용하기 위한 지침 및 대여 프로덕트라인에서의 적용사례를 제시한다. 이러한 품질시스템을 이용하여 핵심자산의 재사용성을 보다 효과적이고 정확하게 평가한다.