• 경영정보학연구
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• 제1권1호
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• pp.51-61
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• 1999

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제15권10호
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• pp.3627-3641
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• 2021

Fintech, which stands for financial technology, is growing fast globally since the economic crisis hit the United States in 2008. Fintech companies are striving to secure a competitive advantage over existing financial services by providing efficient financial services utilizing the latest technologies. Fintech companies can be classified into several areas according to their business solutions. Among the Fintech sector, peer-to-peer (P2P) lending companies are leading the domestic Fintech industry. P2P lending is a method of lending funds directly to individuals or businesses without an official financial institution participating as an intermediary in the transaction. The rapid growth of P2P lending companies has now reached a level that threatens secondary financial markets. However, as the growth rate increases, so does the potential risk factor. In addition to government laws to protect and regulate P2P lending, further measures to reduce the risk of P2P lending accidents have yet to keep up with the pace of market growth. Since most P2P lenders do not implement their own credit rating system, they rely on personal credit scores provided by credit rating agencies such as the NICE credit information service in Korea. However, it is hard for P2P lending companies to figure out the intentional loan default of the borrower since most borrowers' credit scores are not excellent. This study analyzed the voices of telephone conversation between the loan consultant and the borrower in order to verify if it is applicable to determine the personal credit score. Experimental results show that the change in pitch frequency and change in voice pitch frequency can be reliably identified, and this difference can be used to predict the loan defaults or use it to determine the underlying default risk. It has also been shown that parameters extracted from sample voice data can be used as a determinant for classifying the level of personal credit ratings.

• 산업경영시스템학회지
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• 제38권2호
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• pp.72-81
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• 2015

This paper studied the differences of the inventories asset turnover change ratio and several characteristics variable between large and small manufacturing firm group. Large and small firm group were determined based on number of labors and asset size. Several characteristics variable of firms such as assets size, sales growth rate, return on assets, leverage ratio, credit rating and age of firm were used to find out the differences of firm group. As a result, the inventory asset turnover change ratio of large firm was 5.16% and that of the middle and small firm was 9.3%. For the large firm, sales growth rate, ROA and credit rating affect inventory assets turnover change ratio. For the middle and small sized firm, Assets size, sales growth rate and credit rating affect inventory assets turnover change ratio. Using this result, we can say that manufacturing company need to consider their firm size and their characteristics to make their own operation strategy of inventory.

• 디지털융복합연구
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• 제13권2호
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• pp.105-113
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• 2015

기업지배구조가 우수하면 기업경영자의 감시역할을 하고 대리비용과 정보비대칭을 감소시킨다. 기업지배구조점수가 높을수록 기업 내부통제시스템과 재무보고 체계가 잘 갖추어져 있으므로 기업 경영이 활성화되고 기업성과가 높아지므로 신용재무평점이 높아질 것이다. 이러한 전제하에 가설을 설정하고 본 연구는 기업지배구조(CGI)가 신용재무평점(CFR)에 어떠한 영향을 미치는지 실증 연구하였다. 연구결과, 기업지배구조(CGI)와 신용재무평점의 관련성은 유의한 양(+)의 영향을 미치는 것으로 나타났다, 회귀계수부호는 기대부호인 양(+)이 값이 나타났다. 이러한 결과 기업지배구조(CGI)가 우수할수록 신용재무평점의 점수가 커질 것이라는 예측과 같은 결과가 나타났다. 본 연구결과는 CGI가 우수할수록 신용재무평점이 커진다는 것이다. 본 연구는 기업의 사회적 책임, 건전한 지배구조와 감시기구를 갖춘 기업이 보다 높은 신용등급을 받을 수 있다는 유용한 지침을 실무 및 연구 분야에 제공해 줄 것으로 기대한다.

• 지능정보연구
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• 제29권2호
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• pp.1-22
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• 2023

ESG 등급과 신용등급을 혼합한 기존 연구가 희소하였는데, 본 연구는 메타프론티어 분석을 통해 ESG 등급, 신용등급 그리고 ESG 등급과 신용등급을 동시에 고려한 혼합등급에 있어 우량 그룹과 비우량 그룹 간의 효율성을 비교하였다. 메타프론티어 분석을 이용하여 한국내 상장 제조업체 143개 회사에 대해 KCGS가 그 회사들에게 부여한 ESG 등급과 한국의 3대 신용평가회사가 부여한 신용등급을 기준으로 우량 그룹과 비우량 그룹 간의 효율성을 비교하였다. 본 연구의 결과로서, 첫째, 우량 혼합등급 그룹의 메타효율성은 가변수익규모(VRS) 가정 하에서 비우량 혼합등급 그룹에 비해 통계적으로 효율적이었다. 둘째, 우량 ESG 등급 그룹은 비우량 ESG 등급 그룹에 비해 상대적으로 규모비효율 비중이 더 높았다. 셋째, 규모의 경제 측면에서 우량 신용등급 그룹은 비우량 신용등급 그룹에 비해 규모수익체감(DRS) 비중이 더 높았다. 이 연구는 지속가능경영에 관심을 가지고 있는 기업들이 ESG 경영을 하는 데 도움을 줄 것이다.

• Asian Journal of Business Environment
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• 제8권1호
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• pp.23-29
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• 2018

Purpose - The purpose of this research is to make a comparative assessment of People Credit Funds (PCFs) ranking in Vietnam between the Circular No. 42/2016/TT-NHNN dated December 20, 2016 with the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank. Research design, data, and methodology - This study is mainly based on the Circular No. 42/2016/TT-NHNN dated December 20, 2016 and the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank on PCFs ranking. Results - The study paper has shown positive changes in PCFs ranking in Vietnam in accordance with the Circular No. 42/2016/TT-NHNN, such as increasing Capital Adequacy Ratio (CAR), maintaining CAR, improving assets quality, developing indicators of governance, management and control capability. These changes have implications for the development and efficient performance of PCFs in Vietnam. Conclusions - The classification and evaluation of PCFs will contribute to its healthy development. These finding support PCFs to understand more about rating methodology, significance of rating system and the importance of improving their rating. PCFs in Vietnam desire to develop their business effectively, they need to understand exactly and comply fully with regulations related to their field of operations.

• Asia Marketing Journal
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• 제14권1호
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• pp.1-24
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• 2012

본 연구는 고객만족과 기업가치 성과간의 관계를 분석하는 것이 목적이다. 기업가치성과는 주가와 신용등급으로 나눌 수 있는데, 전자는 기업의 시장가치이고 후자는 자금조달비용이라 구분하여 사용되고 있다. 고객만족과 주가와의 관계는 비교적 오래전부터 연구되어 왔으나 신용등급과의 관계는 최근 들어 연구되기 시작하였다. 대표적으로 Anderson and Mansi(2009)의 연구에서는 양자가 긍정적으로 관련된 것으로 밝혀졌으나, 윤상운(2010)이 국내자료를 사용한 연구에서는 그 관계가 입증되지 못하였다. 일치하지 않는 두 연구의 결과에서 아이디어를 얻어 본 연구에서는 고객만족이 신용등급에 긍정적 영향을 미치는 것으로 보고 이를 검증하였다. 두 연구에서 사용한 모델을 참고로 하였고 특히 우리나라 실정에서는 정부지원이 중요한 변수임을 감안하여 이를 포함한 연구모형을 설정하여 검증한 결과 긍정적 관련성이 있는 것으로 나타났다. 추가분석에서 자산규모가 큰 기업보다 작은 기업에서, 제조업보다 서비스업에서 고객만족이 신용등급에 더 유의한 긍정적 영향을 미치는 것으로 나타났다.

• 정보보호학회논문지
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• 제9권2호
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• pp.37-48
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• 1999

인터넷은 학술.연구용으로 이용되었으나, 현재 일반사용자에게도 친숙한 World-Wide Web의 발달과 더불어 인터넷을 상업적으로 이용하려는 시도가 증가하고 있다. 인터넷의 상업적 이용으로 가장 큰 예는 인터넷 상점을 들 수 있다. WWW을 이용하여 물건을 광고하고 사용자는 자신이 원하는 물건을 선택하여 온라인으로 대금을 지불하는 형태이다. 이런 인터넷 상점이 증가함에 따라 고객과 상점사이에 서로의 신용도를 확인할 수 없는 문제점이 발생하게 되었다. 이 논문에서는, 인터넷 상점의 신용을 인정할 수 있는 시스템 개발에 대해 설명하고 있으며, 이를 통해 사용자가 인터넷 상점을 사용할 수 있는 믿을 수 있는 환경을 구축하려고 한다. 인터넷 상점에 대한 신용인증 시스템 개발을 위해서 상점의 신용정보는 사용자에게 안전하게 전송되어야 하며, 쉽게 확인할 수 있어야 한다. 또한 도청 될 수 없어야 한다. The Internet has been used as the academic researching purposes. Nowadays accordance with improving and being familiar with the World-Wide Web Many people are giving it a try to use the Internet as commerce markets. The noticeable example of internet-based use of the commerce is the Internet shopping mall. Using the WWW companies exhibit their products and users select the ones and take the payment for ones in the on-line Increasing the the Internet shopping mall there needs to be the countermeasure that companies and clients must verify each other. In this paper there are explained the development credit authentication system of the Internet shopping mall and the construction of the trusted environment clients can use Internet shopping mall. That is to develop the credit authentication system the credit-rating of Internet shopping mall can be sent securely and easily to clients and the information of credit-ranting cannot be eavesdropped.

• 아태비즈니스연구
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• 제11권3호
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• 한국컴퓨터정보학회논문지
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• 제21권4호
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• pp.63-71
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• 2016

This paper is about applying efficient data mining method which improves the score calculation and proper building performance of credit ranking score system. The main idea of this data mining technique is accomplishing such objectives by applying Correlation based Feature Selection which could also be used to verify the properness of existing rank scores quickly. This study selected 2047 manufacturing companies on KOSPI market during the period of 2009 to 2013, which have their own credit rank scores given by NICE information service agency. Regarding the relevant financial variables, total 80 variables were collected from KIS-Value and DART (Data Analysis, Retrieval and Transfer System). If correlation based feature selection could select more important variables, then required information and cost would be reduced significantly. Through analysis, this study show that the proposed correlation based feature selection method improves selection and classification process of credit rank system so that the accuracy and credibility would be increased while the cost for building system would be decreased.