• Title/Summary/Keyword: Credit value

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A Study on the Combined Decision Tree(C4.5) and Neural Network Algorithm for Classification of Mobile Telecommunication Customer (이동통신고객 분류를 위한 의사결정나무(C4.5)와 신경망 결합 알고리즘에 관한 연구)

  • 이극노;이홍철
    • Journal of Intelligence and Information Systems
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    • v.9 no.1
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    • pp.139-155
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    • 2003
  • This paper presents the new methodology of analyzing and classifying patterns of customers in mobile telecommunication market to enhance the performance of predicting the credit information based on the decision tree and neural network. With the application of variance selection process from decision tree, the systemic process of defining input vector's value and the rule generation were developed. In point of customer management, this research analyzes current customers and produces the patterns of them so that the company can maintain good customer relationship and makes special management on the customer who has huh potential of getting out of contract in advance. The real implementation of proposed method shows that the predicted accuracy is higher than existing methods such as decision tree(CART, C4.5), regression, neural network and combined model(CART and NN).

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Study on the Environmental Factor Analysis of Interior Material using Hanji (한지 소재 내장재의 친환경적 요소 분석 연구)

  • Kim, Ji-Soo;Lee, Yu-Ra;Lim, Hyun-A
    • Journal of the Korea Furniture Society
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    • v.22 no.1
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    • pp.63-71
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    • 2011
  • Hanji has known for its high qualities for more than thousand years. Hanji is stronger, and has better durability, air permeability, flexibility, thermal insulation, soundproofs and UV absorbability. Therefore, developing industrial interior finishing materials using Hanji is replaced with the PVC (Poly-Vinyl Chloride) materials instead, it will be a new environment-friendly material and positively represents Korean brand marketing. The industrial inter-construction material is discomposed by heat or light because of material characteristics. As a result, it emits a lot of noxious substances. Hanji is essentially a neutral paper since it does not rely on any acidic chemicals of artificial bleaching methods. Hanji is also known as the living paper because of its close relation to nature. Therefore, I would like to suggest that Hanji made from alternative material as a chicken fiber. It will be a non-polluting interior finishing materials by making use of Hanji to a taste of Korean culture in the green industry around the world. Rather than PVC used commonly in construction material, kitchen and office furniture, interior materials in the subway, trains, or other vessels, credit cards, and ID cards, I created an interior construction material by using patented Hanji. This will be increased the value of usefulness in the environment-friendly green industry instead of PVC.

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The Developing and Applying of the R.G.B. Technique for Combined Thinking Learning in the Elementary Science Classes (초등과학 수업에서 통합적 사고 학습을 위한 R.G.B. 기법 개발 및 적용)

  • Moon, Byoungchan;Lee, Kyounghak;Seo, Hanyoung;Kim, Haigyoung;Oh, Kangho
    • Journal of Korean Elementary Science Education
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    • v.32 no.1
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    • pp.10-21
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    • 2013
  • The purpose of this study was to research applying possibility of the R.G.B. technique for combined thinking learning in the elementary science classes. For this, R.G.B. technique which was designed to mark students' output with red, green and blue colors depending one's judgement was developed and applied in elementary science classes. The results were follows. Firstly, the propriety of questionnaires constitution which was developed to achieve study objects in science classes was given credit by experts. Secondly, the evaluating results of student's outputs which had been done during science classes were credible on focused achieving the objects of science classes. Thirdly, in a point of view achieving creative thinking skill as well as knowledge, R.G.B. technique was effective. Fourthly, the combined thinking learning joined R.G.B. technique has possibility of applying to general science classes. Fifthly, the students who were participating in combined thinking learning science classes based on R.G.B. technique said with great satisfaction. Consequently, combined thinking learning based on R.G.B. technique should be paid attention to the value of possibility to achieve study effects both creative thinking skill and knowledge.

Lifetime Performance of Nili-ravi Buffaloes in Pakistan

  • Bashir, M.K.;Khan, M.S.;Bhatti, S.A.;Iqbal, A.
    • Asian-Australasian Journal of Animal Sciences
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    • v.20 no.5
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    • pp.661-668
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    • 2007
  • Data on 1,037 Nili-Ravi buffaloes from four institutional herds were used to study lifetime milk yield, herd life, productive life and breeding efficiency. A general linear model was used to study the environmental effects while an animal model having herd, year of birth and age at first calving (as covariate) along with random animal effect was used to estimate breeding values. The lifetime milk yield, herd life, productive life and breeding efficiency averaged $7,723{\pm}164$ kg, $3,990{\pm}41$ days, $1,061{\pm}19$ days and 64 percent, respectively. All the traits were significantly (p<0.01) affected by the year of birth and herd of calving, while the herd life was also affected (p<0.01) by the age at first calving. The heritabilities for lifetime milk yield, herd life, productive life and breeding efficiency were $0.093{\pm}0.056$, $0.001{\pm}0.055$, $0.144{\pm}0.079$ and 0.001, respectively. The definition for productive life, where each lactation gets credit upto 10 months had slightly better heritability and may be preferred over the definition where no limit is placed on lactation length. The genetic correlation between productive life and lifetime milk yield was low but high between productive life and herd life. The selection for productive life will increase herd life while lifetime milk yield will also improve. The overall phenotypic trend during the period under the study was negative for lifetime milk yield (-280 kg/year), herd life (-93 days), productive life (-42 days/year) and breeding efficiency (-0.36 percent/year), whereas the genetic trend was positive for lifetime milk yield (+15 kg/year) and productive life (+4 days/year).

A Study on Financial Knowledge and Values of College Students: Classification and Analysis according to the Knowledge and the Values (대학생의 재정에 대한 지식과 가치관에 관한 연구: 지식과 가치관에 따른 유형분류 및 재정적 특성분석)

  • Hong, Eun-Sil
    • Journal of Families and Better Life
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    • v.25 no.3 s.87
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    • pp.89-106
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    • 2007
  • This paper diagnoses the financial knowledge of the college students and their values on financial situation. Another emphasis is given to the classification of surveyed college students based on their financial knowledge and values and the financial traits of each classified group is also analyzed. Statistical analysis was conducted using Cronbach's ${\partial}$, factor analysis, t-test, one-way ANOVA, and Duncan's multiple range test with total number of 733 questionnaires. Primary results of the research are as follows: First, overall score of financial knowledge was 62.65 points, showing the highest points in spending while lowest in savings and investment. Senior classes, students majoring in liberal arts, students with financial education and media experiences scored high points. Second, overall score of college students on financial values was 3.92, resulting in high points on credit and frugality but points on sharing with others were low. Thirdly, all surveyed students were classified into 4 types based on the mean scores on financial knowledges and values. Total 31.7% of students belonged to Type 1 where students scored high points on financial knowledge and values. Type 2 had about 22.4 % of students whose financial score was high but value score was low. Type 3 occupied 24.2% and this group scored low points on financial knowledge but high points on financial values. Type 4 occupied 21.8% and was a group of students whose scores for financial knowledge and values were low. Finally, Type 1 and 3 groups showed better desirable behaviors for financial management and expressed higher satisfaction status for finance than Type 2 and 4. Type 1 is a group of students whose subjective financial level was high. Monthly income was highest in Type 2 and financial stress was lowest in Type 1.

A Study on Integrated ID Authentication Protocol for Web User (웹 사용자를 위한 통합 ID 인증 프로토콜에 관한 연구)

  • Shin, Seung-Soo;Han, Kun-Hee
    • Journal of Digital Convergence
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    • v.13 no.7
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    • pp.197-205
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    • 2015
  • Existing Web authentication method utilizes the resident registration number by credit rating agencies separating i-PIN authentication method which has been improved authentication using resident registration number via the real name confirmation database. By improving the existing authentication method, and it provides the available integrated ID authentication on Web. In order to enhance safety, the proposed authentication method by encrypting the user of the verification value, and stores the unique identifier in the database of the certificate authority. Then, the password required to log in to the Web is for receiving a disposable random from the certificate authority, the user does not need to remember a separate password and receives the random number by using the smart phone. It does not save the user's personal information in the database, and it is easy to management of personal information. Only the integration ID needs to be remembered with random number on every time. It doesn't need to use various IDs and passwords if you use this proposed authentication methods.

A Study on the Interrelationship of Trade, Investment and Economic Growth in Myanmar: Policy Implications from South Korea's Economic Growth

  • Oo, Thunt Htut;Lee, Keon-Hyeong
    • Journal of Korea Trade
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    • v.24 no.1
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    • pp.146-170
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    • 2020
  • Purpose - This paper addresses the concepts of FDI-Trade-Growth nexus in Myanmar's economy and empirically investigates the interrelationships of trade, investment and economic growth to reveal the growth model of Myanmar's economy. Additionally, this paper also addresses the cooperative strategies between Myanmar and South Korea through a case study related to South Korea's economic growth. Design/methodology - Our empirical model considers the interrelationship among FDI, trade, growth, labor force and inflation in Myanmar. This study employs ARDL (Autoregressive Distributed Lag) to conduct an analysis of the FDI-Trade-Growth relationships using the time series data from 1970 to 2016 and a conducted case study of South Korea provided for practical implication on cooperative strategies between Myanmar and Korea. Findings - Export equation was chosen through the diagnostic tests. Our main findings can be summarized as follows: Export in Myanmar is positively influenced by labor force, FDI, capital formation and negatively impacted by import and instable inflation rate in the long run. In the short run, GDP and import positively influence export. The Granger causality test proves that Myanmar is an FDI/labor force-led Growth economy, where FDI and labor force are main drivers of export followed by GDP in Myanmar. The case study of South Korea provided that Korea's tax and credit system for promoting export-led FDI industries and cooperative units for joint ventures between Korea and Myanmar in export-led FDI industries are recommended. Originality/value - No study has yet to be conducted on the interrelationships of macroeconomic factors from the perspectives of FDI-Trade-Growth Nexus in Myanmar under the assumption of labor force and inflation rate as fundamental conditions. The current study also covered a relatively longer period of time series data from 1970 to 2016. This paper also conducts a case study of South Korea's experience in order to evaluate the findings and provide better policy implications.

Comparison on Influencing Factors on Consciousness of Biomedical Ethics in Nursing Students and General Students (간호대학생과 일반대학생의 생명의료윤리의식 영향요인 비교)

  • Lee, Keum Jae;Lee, Eliza;Park, Yeon-Suk
    • Journal of Digital Convergence
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    • v.14 no.12
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    • pp.377-388
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    • 2016
  • This study was done to compare consciousness of biomedical ethics in nursing and general students. Participants were 382 nursing and general students at a college in S city. Mean score of consciousness of biomedical ethics(range:1~4) in nursing students was 3.04 and general students, 3.12. Thus, mean score of consciousness of biomedical ethics of two group were above the average and general students significantly higher than nursing students. Life-respect consciousness, perceived ethical values in nursing students were shown as significant predictors on consciousness of biomedical ethics and life-respect consciousness, sexual attitude, value regarding child rearing in general students. The most influential predictor of two groups was life-respect consciousness. To establish desirable biomedical ethics of nursing students, it is necessary that subjects related to biomedical ethics should be mandatory, and it is necessary to raise the proportion of credit for the curriculum.

A Comparative Assessment Between ACSS of Canada and FedACH of America as a Electronic Payment System (전자결제시스템으로서 캐나다의 ACSS와 미국의 FedACH의 비교연구)

  • Lee, Byeong-Ryul
    • International Commerce and Information Review
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    • v.18 no.1
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    • pp.55-78
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    • 2016
  • This paper discusses on Electronic Payment System between U.S.A. and Canada. In particular, I focused on ACSS compare with FedACH(Fed Automated Clearing House) to advance a research effects. Because both of them is a low-value, high-volume retail payment system which their countries represent. The ACSS(Automated Clearing Settlement System) is the system through which the vast majority of CPA payment items are cleared, through various payment streams. In 2014, ACSS system cleared approximately 6.8billion payments worth a total value of $ 44.9 trillion. While, The FedACH Network are the center of America Commerce, moving more than $40 trillion each year. That's made up of almost 23 billion electronic financial transaction, including direct deposit via ACH, social security and government benefits, electronic bill payments such as utility and mortgage payments. Thus in this article, first of all, I considered features of payment system and the types of payment items between ACSS and FedAch. Second, I analyzed the status of central bank and legal background. Third, I focused on the operational policy and risk aversion policy. Lastly, I suggested that their payment and banking system have to assume, with good reason, more efficiently accurately and securely operation to protect their customer from credit risk and financial fraud.

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The effect on purchasing intention of Hotel Brand-image and Choice-attribution (호텔 브랜드이미지와 선택속성이 구매의도에 미치는 영향에 관한 연구)

  • Lee, Ji-Yeong;Kim, Tae-Jin
    • Journal of Applied Tourism Food and Beverage Management and Research
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    • v.16 no.1
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    • pp.43-69
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    • 2005
  • Generally, brand is the title for discriminating their own goods and service from other competitive company, brand-image means customer's good and bad affection or loyalty the brand of specific company. Customers often choose the goods according to the value of goods brand. In terms of this viewpoint, the value of company's brand is very important factor to the company's success. Brand-image also effects customers on selling company's goods. Specially, to the hotel business that should ensure lots of customer for a long period with the interest and credit of customers, its brand-image is more significant. What the image is looked upon as a important factor in marketing is due to the difficulty of discrimination against goods standardized in price and quality. Therefore, the company's image acts as a more important marketing factor in the high industrial society. Also it means a lot to the customer's purchasing behavior. When the company's brand-image is recognized or discriminated, customer's memory is longer and customer's reliability is raised than other company's advertisement and public information. Nowadays, most of hotels are perceiving the importance on their own brand-image but in the lack of deep study and systematic strategy in reality. The purpose of this study is to research the effect on customer's purchasing intention of hotel brand-image and choice-attribution. The empirical research has been done from 23April, 2004 to 20May, 2004. Data were collected from general customers who are using hotel located in Taegu. In conclusion, hotel brand-image depends highly on, the service quality of hotel staff and reputation of hotel. Besides, this acts on customer's hotel choice decisively.

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