• Title/Summary/Keyword: Bank Performance

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A Study on Deep Learning Model for Discrimination of Illegal Financial Advertisements on the Internet

  • Kil-Sang Yoo; Jin-Hee Jang;Seong-Ju Kim;Kwang-Yong Gim
    • Journal of the Korea Society of Computer and Information
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    • v.28 no.8
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    • pp.21-30
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    • 2023
  • The study proposes a model that utilizes Python-based deep learning text classification techniques to detect the legality of illegal financial advertising posts on the internet. These posts aim to promote unlawful financial activities, including the trading of bank accounts, credit card fraud, cashing out through mobile payments, and the sale of personal credit information. Despite the efforts of financial regulatory authorities, the prevalence of illegal financial activities persists. By applying this proposed model, the intention is to aid in identifying and detecting illicit content in internet-based illegal financial advertisining, thus contributing to the ongoing efforts to combat such activities. The study utilizes convolutional neural networks(CNN) and recurrent neural networks(RNN, LSTM, GRU), which are commonly used text classification techniques. The raw data for the model is based on manually confirmed regulatory judgments. By adjusting the hyperparameters of the Korean natural language processing and deep learning models, the study has achieved an optimized model with the best performance. This research holds significant meaning as it presents a deep learning model for discerning internet illegal financial advertising, which has not been previously explored. Additionally, with an accuracy range of 91.3% to 93.4% in a deep learning model, there is a hopeful anticipation for the practical application of this model in the task of detecting illicit financial advertisements, ultimately contributing to the eradication of such unlawful financial advertisements.

The Role of Medical Technologists in Next-Generation Sequencing and Clinical Genetic Tests (임상유전자검사 및 차세대 염기서열분석을 위한 임상병리사의 역할)

  • Hyun-Seok JIN;Sangjung PARK;Mi-Sook AHN;Sangwook PARK
    • Korean Journal of Clinical Laboratory Science
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    • v.55 no.3
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    • pp.203-212
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    • 2023
  • Since the coronavirus disease-2019 (COVID-19) outbreak, it has been generally believed that a medical technologists (MTs) are supposed to perform polymerase chain reaction tests and next-generation sequencing (NGS) in the hospitals. However, many do not recognize that the duty of MT for clinical genetic testing has not been stated in the Medical Laws (72.5% for MT, N=200; 62.8% for students, N=123). In this regard, to evaluate the feasibility of MT's role for NGS genetic testing, we requested our subjects to fill out an online survey and analyzed the data. Among them, it shows that the scope of MT's role, including NGS performance should include clinical genetic testing (99.5% for MT, N=200; 86.8% for students, N=123). Also, questions on clinical genetics, which is associated with both cellular genetics and molecular genetic questions should be included in the National MT License Problem Bank (97.5% for MT; 71.4% for students). Based on these results, the Korean Association of Medical Technologists needs to cooperate synergically with the Academic Association of Biomedical Laboratory Science with respect to genetic education and legislation for the future benefit of both MTs and students.

User-independent blockchain donation system

  • Sang-Dong Sul;Su-Jeong Lee
    • Journal of the Korea Society of Computer and Information
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    • v.28 no.11
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    • pp.113-123
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    • 2023
  • This paper introduces the Cherry system, a user-independent blockchain donation system. This is a procedure that is delivered to the beneficiary's bank account through a virtual account when a donor makes a donation, so there is no difference from the existing donation delivery method from the user's point of view However, within the blockchain, Cherry Points, a virtual currency based on the user ID, are issued and delivered to the beneficiary, while all transactions and the beneficiary's usage history are managed on the blockchain. By adopting this method, there was an improvement in blockchain performance, with transaction processing exceeding 1,000 TPS in typical transaction condition and service completion within 21.3 seconds. By applying the automatic influence control algorithm to this system, the influence according to stake, which is an individual donation, is greatly reduced to 0.3 after 2 months, thereby concentrating influence could be controlled automatically. In addition, it was designed to enable micro tracking by adding a tracking function by timestamp to the donation ledger for each individual ID, which greatly improved the transparency in the use of donations. From a service perspective, existing blockchain donation systems were handled as limited donation delivery methods. Since it is a direct service in a user-independent method, convenience has been greatly improved by delivering donations in various forms.

Quantification of triterpenes in Centella asiatica cultivated in a smart farm, and their effect on keratinocyte activation (스마트팜 재배 병풀의 triterpenes 정량 및 각질형성세포 활성화 효과)

  • Jin Hong Park;Seong Min Jo;Da Hee Lee;Youngmin Park;Hwan Bong Chang;Tae Jin Kang;Kiman Lee
    • Food Science and Preservation
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    • v.30 no.3
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    • pp.483-491
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    • 2023
  • This study aimed to compare the bioactive compounds in Centella asiatica (C. asiatica) cultivated in a smart farm and a field and their effects on human keratinocyte cells. C. asiatica was collected in Jeju-do, Korea, and cultured in a smart farm and a field. The main bioactive compounds in the two differentially cultured C. asiatica were identified, and their activation in keratinocytes were assessed. Amplification and sequencing of the internal transcribed spacer (ITS) DNA in the nucleus and psbA-H DNA in the chloroplast were performed for species analysis. A comparison of DNA of plants reported in the NCBI GenBank was performed. The ITS DNA and psbA-H DNA sequences of C. asiatica cultivated in a smart farm and a field were consistent with No. MH768338.1 and No. JQ425422.1, respectively. Analysis of the triterpenes was performed using high performance liquid chromatography (HPLC) and as a result, C. asiatica cultured in a smart farm had more triterpenes than those cultured in a field. The effects of C. asiatica grown in a smart farm on cell proliferation and scratch recovery in HaCaT cells were greater than those grown in a field. These results suggest that C. asiatica cultivated in a smart farm can be effectively utilized as a health functional food.

Analysis of Linkage between Official Development Assistance (ODA) of Forestry Sector and Sustainable Development Goals (SDGs) in South Korea (국내 임업분야 공적개발원조(ODA)사업과 지속가능발전목표(SDGs)와의 연관성 분석)

  • Kim, Nahui;Moon, Jooyeon;Song, Cholho;Heo, Seongbong;Son, Yowhan;Lee, Woo-Kyun
    • Journal of Korean Society of Forest Science
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    • v.107 no.1
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    • pp.96-107
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    • 2018
  • This study analyzed the linkage between the Forestry sector Official Development Assistance (ODA) Project in South Korea and the Sustainable Development Goals (SDGs) of United Nations (UN), Suggested direction of ODA project focusing on the implementation of the SDGs. Forestry sector ODA project data in South Korea have collected from Economic Development Cooperation Fund (EDCF) statistical inquiry system developed by The Export-Import Bank of Korea. According to the analysis result, Forestry sector ODA project in South Korea have been actively implemented in the fields of forestry development, forestry policy and administration. In both fields, Korea Forest Service and Korea International Cooperation Agency (KOICA) carried out the most projects. The Forestry sector ODA project data in South Korea are classified technical development, capacity building, construction of infrastructure and afforestation based on their objectives and contents. SDGs emphasizes the importance of national implementation assessment and this study analyze linkage between ODA activity content in each classification item and 2016 Korea Forest Service Performance Management Plan indicator. Analyzed the 2016 Korea Forest Service Performance Management Plan indicator and SDGs target and SDGs indicator were identified. finally, SDGs goals were recognized. In conclusion, Forestry sector ODA project in South Korea are associated with the SDGs Goal 1 (No Poverty), Goal 2 (Zero Hunger), Goal 6 (Clean Water and Sanitation), Goal 13 (Climate Action), Goal 15 (Life on Land) and Goal 17 (Partnership for The Goals). Therefore, With the launch of the SDGs, This study analyzed the linkage among the Forestry sector ODA Project in South Korea, the 2016 Korea Forest Service Performance Management Plan and the SDGs. it presented the limitations of Forestry sector ODA Project in South Korea and made proposals for the implementation of the SDGs.

The Prediction of Currency Crises through Artificial Neural Network (인공신경망을 이용한 경제 위기 예측)

  • Lee, Hyoung Yong;Park, Jung Min
    • Journal of Intelligence and Information Systems
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    • v.22 no.4
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    • pp.19-43
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    • 2016
  • This study examines the causes of the Asian exchange rate crisis and compares it to the European Monetary System crisis. In 1997, emerging countries in Asia experienced financial crises. Previously in 1992, currencies in the European Monetary System had undergone the same experience. This was followed by Mexico in 1994. The objective of this paper lies in the generation of useful insights from these crises. This research presents a comparison of South Korea, United Kingdom and Mexico, and then compares three different models for prediction. Previous studies of economic crisis focused largely on the manual construction of causal models using linear techniques. However, the weakness of such models stems from the prevalence of nonlinear factors in reality. This paper uses a structural equation model to analyze the causes, followed by a neural network model to circumvent the linear model's weaknesses. The models are examined in the context of predicting exchange rates In this paper, data were quarterly ones, and Consumer Price Index, Gross Domestic Product, Interest Rate, Stock Index, Current Account, Foreign Reserves were independent variables for the prediction. However, time periods of each country's data are different. Lisrel is an emerging method and as such requires a fresh approach to financial crisis prediction model design, along with the flexibility to accommodate unexpected change. This paper indicates the neural network model has the greater prediction performance in Korea, Mexico, and United Kingdom. However, in Korea, the multiple regression shows the better performance. In Mexico, the multiple regression is almost indifferent to the Lisrel. Although Lisrel doesn't show the significant performance, the refined model is expected to show the better result. The structural model in this paper should contain the psychological factor and other invisible areas in the future work. The reason of the low hit ratio is that the alternative model in this paper uses only the financial market data. Thus, we cannot consider the other important part. Korea's hit ratio is lower than that of United Kingdom. So, there must be the other construct that affects the financial market. So does Mexico. However, the United Kingdom's financial market is more influenced and explained by the financial factors than Korea and Mexico.

The Application of Operations Research to Librarianship : Some Research Directions (운영연구(OR)의 도서관응용 -그 몇가지 잠재적응용분야에 대하여-)

  • Choi Sung Jin
    • Journal of the Korean Society for Library and Information Science
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    • v.4
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    • pp.43-71
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    • 1975
  • Operations research has developed rapidly since its origins in World War II. Practitioners of O. R. have contributed to almost every aspect of government and business. More recently, a number of operations researchers have turned their attention to library and information systems, and the author believes that significant research has resulted. It is the purpose of this essay to introduce the library audience to some of these accomplishments, to present some of the author's hypotheses on the subject of library management to which he belives O. R. has great potential, and to suggest some future research directions. Some problem areas in librianship where O. R. may play a part have been discussed and are summarized below. (1) Library location. It is usually necessary to make balance between accessibility and cost In location problems. Many mathematical methods are available for identifying the optimal locations once the balance between these two criteria has been decided. The major difficulties lie in relating cost to size and in taking future change into account when discriminating possible solutions. (2) Planning new facilities. Standard approaches to using mathematical models for simple investment decisions are well established. If the problem is one of choosing the most economical way of achieving a certain objective, one may compare th althenatives by using one of the discounted cash flow techniques. In other situations it may be necessary to use of cost-benefit approach. (3) Allocating library resources. In order to allocate the resources to best advantage the librarian needs to know how the effectiveness of the services he offers depends on the way he puts his resources. The O. R. approach to the problems is to construct a model representing effectiveness as a mathematical function of levels of different inputs(e.g., numbers of people in different jobs, acquisitions of different types, physical resources). (4) Long term planning. Resource allocation problems are generally concerned with up to one and a half years ahead. The longer term certainly offers both greater freedom of action and greater uncertainty. Thus it is difficult to generalize about long term planning problems. In other fields, however, O. R. has made a significant contribution to long range planning and it is likely to have one to make in librarianship as well. (5) Public relations. It is generally accepted that actual and potential users are too ignorant both of the range of library services provided and of how to make use of them. How should services be brought to the attention of potential users? The answer seems to lie in obtaining empirical evidence by controlled experiments in which a group of libraries participated. (6) Acquisition policy. In comparing alternative policies for acquisition of materials one needs to know the implications of each service which depends on the stock. Second is the relative importance to be ascribed to each service for each class of user. By reducing the level of the first, formal models will allow the librarian to concentrate his attention upon the value judgements which will be necessary for the second. (7) Loan policy. The approach to choosing between loan policies is much the same as the previous approach. (8) Manpower planning. For large library systems one should consider constructing models which will permit the skills necessary in the future with predictions of the skills that will be available, so as to allow informed decisions. (9) Management information system for libraries. A great deal of data can be available in libraries as a by-product of all recording activities. It is particularly tempting when procedures are computerized to make summary statistics available as a management information system. The values of information to particular decisions that may have to be taken future is best assessed in terms of a model of the relevant problem. (10) Management gaming. One of the most common uses of a management game is as a means of developing staff's to take decisions. The value of such exercises depends upon the validity of the computerized model. If the model were sufficiently simple to take the form of a mathematical equation, decision-makers would probably able to learn adequately from a graph. More complex situations require simulation models. (11) Diagnostics tools. Libraries are sufficiently complex systems that it would be useful to have available simple means of telling whether performance could be regarded as satisfactory which, if it could not, would also provide pointers to what was wrong. (12) Data banks. It would appear to be worth considering establishing a bank for certain types of data. It certain items on questionnaires were to take a standard form, a greater pool of data would de available for various analysis. (13) Effectiveness measures. The meaning of a library performance measure is not readily interpreted. Each measure must itself be assessed in relation to the corresponding measures for earlier periods of time and a standard measure that may be a corresponding measure in another library, the 'norm', the 'best practice', or user expectations.

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Compression Sensing Technique for Efficient Structural Health Monitoring - Focusing on Optimization of CAFB and Shaking Table Test Using Kobe Seismic Waveforms (효율적인 SHM을 위한 압축센싱 기술 - Kobe 지진파형을 이용한 CAFB의 최적화 및 지진응답실험 중심으로)

  • Heo, Gwang-Hee;Lee, Chin-Ok;Seo, Sang-Gu;Jeong, Yu-Seung;Jeon, Joon-Ryong
    • Journal of the Korea institute for structural maintenance and inspection
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    • v.24 no.2
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    • pp.23-32
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    • 2020
  • The compression sensing technology, CAFB, was developed to obtain the raw signal of the target structure by compressing it into a signal of the intended frequency range. At this point, for compression sensing, the CAFB can be optimized for various reference signals depending on the desired frequency range of the target structure. In addition, optimized CAFB should be able to efficiently compress the effective structural answers of the target structure even in sudden/dangerous conditions such as earthquakes. In this paper, the targeted frequency range for efficient structural integrity monitoring of relatively flexible structures was set below 10Hz, and the optimization method of CAFB for this purpose and the seismic response performance of CAFB in seismic conditions were evaluated experimentally. To this end, in this paper, CAFB was first optimized using Kobe seismic waveform, and embedded it in its own wireless IDAQ system. In addition, seismic response tests were conducted on two span bridges using Kobe seismic waveform. Finally, using an IDAQ system with built-in CAFB, the seismic response of the two-span bridge was wirelessly obtained, and the compression signal obtained was cross-referenced with the raw signal. From the results of the experiment, the compression signal showed excellent response performance and data compression effects in relation to the raw signal, and CAFB was able to effectively compress and sensitize the effective structural response of the structure even in seismic situations. Finally, in this paper, the optimization method of CAFB was presented to suit the intended frequency range (less than 10Hz), and CAFB proved to be an economical and efficient data compression sensing technology for instrumentation-monitoring of seismic conditions.

An Overview of Readjustment Measures Against the Banking Industry's Non-Performing Loans (은행부실채권(銀行不實債權) 정리방안(整理方案)에 대한 고찰(考察))

  • Kim, Joon-kyung
    • KDI Journal of Economic Policy
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    • v.13 no.1
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    • pp.35-63
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    • 1991
  • Currently, Korea's banking industry holds a sizable amount of non-performing loans which stem from the government-led bailout of many troubled firms in the 1980s. Although this burden was somewhat relieved with the aid of banks' recapitalization in the booming securities market between 1986-88, the insolvent credits still resulted in low profitability in the banking sector and have been detrimental to the progress of financial liberalization and internationalization. This paper surveys the corporate bailout experiences of major advanced countries and Korea in the past and derives a rationale for readjustment measures against non-performing loans, in which rescue plans depend on the nature of the financial system. Considering the features of Korea's financial system and the banking sector's recent performance, it discusses possible means of liquidation in keeping with the rationale. The conflict of interests among parties involved in non-performing loans is widely known as one of the major constraints in writing off the loans. Specifically, in the case of Korea, the government's excessive intervention in allocating credits has preempted the legitimate role of the banking sector, which now only passively manages its past loans, and has implicitly confused private with public risk. This paper argues that to minimize the incidence of insolvent loan readjustment, the government's role should be reduced and that the correspondent banks should be more active in the liquidation process, through the market mechanism, reflecting their access to detailed information on the troubled firms. One solution is that banks, after classifying the insolvent loans by the lateness or possibility of repayment, would swap the relatively sound loans for preferred stock and gradually write off the bad ones by expanding the banks' retained earnings and revaluing the banks' assets. Specifically, the debt-equity swap can benefit both creditors and debtors in the sense that it raises the liquidity and profitability of bank assets and strengthens the debtor's financial structure by easing the debt service burden. Such a creditor-led or market-led solution improves the financial strength and autonomy of the banking sector, thereby fostering more efficient resource allocation and risk sharing.

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Research on the Application Methods of Big Data within SME Financing: Big data from Trading-area (소상공인의 자금공급 확대를 위한 빅데이터 활용 방안연구)

  • Lee, Ju Hee;Dong, Hak Lim
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.13 no.3
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    • pp.125-140
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    • 2018
  • According to statistics, it is shown that domestic SMEs rely on bank loans for the majority of fund procurement. From financial information shortage (Thin file) that does not provide information necessary for credit evaluation from banks such as financial statements. In order to overcome these problems, recently, in alternative finance such as P2P, using differentiated information such as demographics, trading information and the like utilizing Fintech instead of existing financial information, small funds A new credit evaluation method has been expanding to provide SMEs with small amounts of money. In this paradigm of environmental change, in this research, credit evaluation which can expand fund supply to SMEs by utilizing big data based on trade area information such as sales fluctuation, location conditions etc. In this research, we try to find such a solution. By analyzing empirically the big data generated in the trade area, we verify the effectiveness as a credit evaluation factor and try to derive the main parameters necessary for the business performance evaluation of the founder of SMEs. In this research, for 17,116 material businesses in Seoul City that operate the service industry from 2009 to February 2018, we collect trade area information generated for each business location from Big Data specialized company NICE Zini Data Co., Ltd.. We collected and analyzed the data on the locations and commercial areas of the facilities that were difficult to obtain from SMEs and analyzed the data that affected the Corporate financial Distress. It is possible to refer to the variable of the existing unused big data and to confirm the possibility of utilizing it for efficient financial support for SMEs, This is to ensure that commercial lenders, even in general commercial banks, are made to be more prominent in one sector of the financing of SMEs. In this research, it is not the traditional financial information about raising fund of SMEs who have basically the problem of information asymmetry, but a trade area analysis variable is derived, and this variable is evaluated by credit evaluation There is differentiation of research in that it verified through analysis of big data from Trading-area whether or not there is an effect on.