• 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.

• The Sea:JOURNAL OF THE KOREAN SOCIETY OF OCEANOGRAPHY
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• v.6 no.2
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• pp.71-80
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• 2001

To understand paleoceanographic environmental changes in the Esat Sea during the transitional period between Holocene and last glacial maximum, geochemical high resolution study was conducted by using a piston core(95PC-1) samples collected from the southernmost part of the Ulleung Basin. Geochemical results reveal that major distinctive paleoceanographic variations in transitional period are prominent. Major elemental concentrations show distinctive variations between glacial and Holocene suggesting changes in sediment supply. $TiO_2/Al_2O_3$ ratio of the sediment indicates different sediment composition between Holocene and glacial period. The content of total organic carbon ranging from 0.5% to 4% during transitional period. These vslues showed 2-4 times and two times higher than those of last glacial and Holocene, respectively. The C/N ratios deduced from organic matters exceed10 during transitional period suggesting terrigenous organic matter are supplied from continent, especially during last glacial maximum. Carbonate contents are relatively stable during Holocene and last glacial maximum with gradual decrease during glacial period with high fluctuation during transitional period. The variations of chemical index of weathering (CIW) also show a distinctive variation between glacial and Holocene, which is coincident with those of carbonate and organic carbon. The grain size distribution indicates that the difference content of silt fraction during Holocene and glacial period is closely related with climatic effect during glacial period. Therefore geochemical differences in sediment composition between Holocene and last glacial maximum is thought to be related to paleoceanographic, sea-level change and local paleoclimatic changes.

• The Korean Journal of Mycology
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• v.16 no.4
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• pp.220-225
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• 1988

This study was carried out to investigate the effect on the system of crop rotation of sesame(Sesamum indicum L). The results of infected plant percentage and yield of sesame wilting disease, fluctuation of density of Fusarium oxysporum and Actinomycetes, and their pathogenicity test on Fusarium spp isolated from sesame cultural soil were investigated. Density of F. oxysporum was the highest in a sesame continuous cropping soil but that of Actinomycetes was the lowest in that soil. And that of F. oxysporum and Actinomycetes according to investigation date was the highest at June. 30 and July. 30, respectively. Their pathogenicity of F. oxysporum and F. solani isolated from sesame cultural soil to sesame, peanut and green gram were recognized to all isolates except one isolate among F. oxysporum 8 isolates and one isolate to sesame, 2 isolates to peanut and all isolates to green gram among F. solani 4 isolates. F. oxysporum density and infected plant of wilting disease were increased as a result of replanted cultivation of sesame, and yield of that was prominantly reduced. Relation between density of F. oxysporum in cultural soil and infected plant percentage showed positive correlation and yield index highly negative. There was little difference between sesame-upland rice and sesame-peanut in the system of crop rotation.

• Journal of Environmental Science International
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• v.7 no.6
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• pp.761-772
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• 1998

This study was performed to determine the optimum coagulant dosing amount for effective treatment of raw water. The removal rate of turbidity and the variations of water qualities according to various dosage of coagulants such as Alum, PAC and PACS were investigated. The optimum coagulant dosing amount to make the lowest turbidity of water were 35mg/ι t of Alum, 30mg/ι of PAC and 10mg/ι of PACS in case of 5 NTU of raw water turbidity, and 30mg/ι of Alum, 25mg/ι of PAC and 10mg/ι of PACS in case of 10 NTU of that, respectively. The removal rates of turbidity at 4 min. and 8 min. of settling time were 10 and 72% of Alum, 44 and 62% of PAC and 25 and 55% of PACS in case of 5 NTU, and 52 and 70% of Alum, 90 and 95% of PAC and 10 and 28% of PACS in case of 10 NTU, respectively. Judging from the settling capability of floc., the reaction time of floe. formation and removal efficiency of turbidity, PAC was evaluated as more effective coagulant than Alum and PACS. Also PAC was regarded as the most effective coagulant when the water supply was changed sharply and the fluctuation of the surface loading occured with wide and sharp in settling basin. pH and alkalinity of the water were decreased with increasing coagulants dosage. But pH and alkalinity were not decreased below 5.8 which is the standard for drinking water quality, and 10mg/ι which is the limit concentration of floc. breakage, respectively. Residual Al of the treated water was decreased with increasing coagulants dosage in case of 5 and 10NTU of raw water turbidity. $KMnO_4$ consumption of the water was decreased with increasing coagulants dosage. The reduction rate of $KMnO_4$ consumption at the optimum coagulants dosage were 39% of Alum. 18% of PAC and 11% of PACS in case of 5 NTU of raw water turbidity, and 42% of Alum, 27% of PAC and 36% of PACS in case of 10 NTU of that, respectively. Any relationship was not found between the removal rate of turbidity and KMnO$_4$ consumption. TOC of the water was a bit decreased with increasing coagulants dosage up to 30mg/ι but not changed above 30mg/ι of coagulants dosage. The degree of TOC reduction was increased in the order of Alum, PAC and PACS treatment. Zeta potential of the colloidal floe. at the optimum coagulants dosage was in the range of -20~-15mV in case of 5 NTU of raw water turbidity and 0~0.5mV in case of 10 NTU of that. respectively. Although the kinds and dosages of coagulants were different, zeta potential range were fixed under the conditions of the best coagulation efficiency.

• Journal of the Korean Society of Fisheries and Ocean Technology
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• v.27 no.1
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• pp.1-12
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• 1991

An experiment has been carefully designed and performed to verify the theory for the echointergration technique of estimating the density of fish school by the use of steel spheres in a laboratory tank. The spheres used to simulate a fish school were randomly distributed throughout the insonified volume to produce the acoustic echoes similar to those scattered from real fish schools. The backscattered echoes were measured as a function of target density at tow frequencies of 50kHz and 200kHz. Data acquisition, processing and analysis were performed by means of the microcomputer-based sonar-echo processor including a FFT analyzer. Acoustic scattering characteristics of a 36cm mackerel was investigated by measuring fish echoes with frequencies ranging from 47.8kHz to 52.0kHz. The fluctuation of bottom echoes caused by the effects of fish-school attenuation and multiple scattering which occurred in dense aggregations of fishes was also examined by analyzing the echograms of sardine schools obtained by a 50kHz telesounder in the set-net's bagnet, and the echograms obtained by a scientific echo sounder of 50kHz in the East China Sea, respectively. The results obtained can be summarized as follows: 1. The measured and the calculated echo shapes on the steel sphere used to simulate a fish school were in close agreement. 2. The waveform and amplitude of echo signals by a mackerel without swimbladder fluctuated irregularly with the measuring frequency. 3. When a collection of 30 targets/m super(3) lied the shadow region behind another collection of 5 targets/m super(3), the mean losses in echo energy for the 30 targets/m super(3) were about -0.4dB at 50kHz and about -0.2dB at 200kHz, respectively. 4. In the echograms obtained in the East China Sea, the bottom echoes fluctuated remarkably when the dense aggregations of fish appeared between transducer and seabed. Especially, in the case of the echograms of sardine school obtained in a set-net's bagnet, the disappearance of bottom echoes and the lengthening of the echo trace by fish aggregations were observed. Then the mean density of the sardine school was estimated as 36 fish/m super(3). It suggests that when the distribution density of fishes in oceans is greater than this density, the effects of fish-school attenuation and multiple scattering must be taken into account as a possible source of error in fish abundance estimates. 5. The relationship between mean backscattering strength (, dB) and target density ($\rho$, No./m super(3)) were expressed by the equations: =-46.2+13.7 Log($\rho$) at 50kHz and =-43.9+13.4 Log($\rho$) at 200kHz. 6. The difference between the experimentally derived number and the actual number of targets gradually decreased with an increase in the target density and was within 20% when the density was 30 targets/m super(3). From these results, we concluded that when the number of targets in the insonified volume is large, the validity of the echo-integration technique of estimating the density of fish schools could be expected.

• Journal of Bio-Environment Control
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• v.22 no.2
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• pp.138-145
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• 2013

In order to develop the efficient control algorithm of the two-fluid fogging system, cooling experiments for the many different types of fogging cycles were conducted in tomato greenhouses. It showed that the cooling effect was 1.2 to $4.0^{\circ}C$ and the cooling efficiency was 8.2 to 32.9% on average. The cooling efficiency with fogging interval was highest in the case of the fogging cycle of 90 seconds. The cooling efficiency showed a tendency to increase as the fogging time increased and the stopping time decreased. As the spray rate of fog in the two-fluid fogging system increased, there was a tendency for the cooling efficiency to improve. However, as the inside air approaches its saturation level, even though the spray rate of fog increases, it does not lead to further evaporation. Thus, it can be inferred that increasing the spray rate of fog before the inside air reaches the saturation level could make higher the cooling efficiency. As cooling efficiency increases, the saturation deficit of inside air decreased and the difference between absolute humidity of inside and outside air increased. The more fog evaporated, the difference between absolute humidity of inside and outside air tended to increase and as the result, the discharge of vapor due to ventilation occurs more easily, which again lead to an increase in the evaporation rate and ultimately increase in the cooling efficiency. Regression analysis result on the saturation deficit of inside air showed that the fogging time needed to change of saturation deficit of $10g{\cdot}kg^{-1}$ was 120 seconds and stopping time was 60 seconds. But in order to decrease the amplitude of temperature and to increase the cooling efficiency, the fluctuation range of saturation deficit was set to $5g{\cdot}kg^{-1}$ and we decided that the fogging-stopping time of 60-30 seconds was more appropriate. Control types of two-fluid fogging systems were classified as computer control or simple control, and their control algorithms were derived. We recommend that if the two-fluid fogging system is controlled by manipulating only the set point of temperature, humidity, and on-off time, it would be best to set up the on-off time at 60-30 seconds in time control, the lower limit of air temperature at 30 to $32^{\circ}C$ and the upper limit of relative humidity at 85 to 90%.

• Journal of Korean Society of Environmental Engineers
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• v.36 no.1
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• pp.20-28
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• 2014

The three air quality monitoring sites, analysed simultaneously PM-10 and PM-2.5, ie. Ihyeondong in industrial area, Manchondong in residential area, Pyeongnidong in streetside, among 13 air quality monitoring sites in Daegu area, were investigated the concentration distribution characteristics of PM-2.5 and PM-10 in the last 2 years (2011~2012). PM-10 concentrations exceeded annual average reference value ($50{\mu}g/m^3$) in Ihyeondong ($52.5{\mu}g/m^3$) and Pyeongnidong ($60.9{\mu}g/m^3$) but satisfied in Manchondong ($44.9{\mu}g/m^3$). All PM-2.5 concentrations exceeded EPA annual standard value of the United States ($15{\mu}g/m^3$) in three points, but also exceeded new control annual standard value ($25{\mu}g/m^3$) coming into effect in 2015. Seasonal concentration of PM-10 appeared the order of spring > winter > fall > summer, and in the case of PM-2.5, the order was winter > spring > fall > summer. Monthly concentrations of PM-10 and PM-2.5 were highest in February and lowest in September. Diurnal concentrations of PM-10 and PM-2.5 increased from 7:00 AM, and recorded the highest concentration between 10:00 AM and 11:00 AM. And after 6:00 PM it lowered continuously and tended to show fixed concentrations from evening until early morning. In addition, the concentration of fine particles during the week was higher than the weekend. The fluctuation in industrial area was larger than the residential area. At the PM-2.5/PM-10 ratio, summer was generally high, spring was the lowest. And, when yellow sand occurred, it was 0.32 to 0.42. It was very low compared to 0.54 to 0.64 during non-yellow sand times. This paper for the state and the characteristics of Daegu' fine particles (PM-10, PM-2.5) will be valuable to future researches of fine particles and air pollution management.

• Korean Journal of Environmental Biology
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• v.32 no.3
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• pp.216-224
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• 2014

Decrease in dissolved oxygen concentrations associated with temperature fluctuation is an important criteria to evaluate the mortality rate of the species. Based on this parameter, we investigated the survival rate, physiological response and histological change of warty sea squirt. It was found that the survival rate of the warty sea squirt species was 63.3% at $23^{\circ}C$ and 56.6% at $26^{\circ}C$ respectively. However, exposure of six days at $29^{\circ}C$ caused deaths among species, which indicated the 6day-$LT^{50}$ of the tested species to be $24.58^{\circ}C$ ($19.48{\sim}35.48^{\circ}C$). Further, after 11 day of exposure, the dissolved oxygen concentration has been found to decrease, with the survival rate of 20% at $4.0mg\;L^{-1}$ and deaths at $2.0mg\;L^{-1}$, thus 11day-$LC^{50}$ calculated to be $3.88mg\;L^{-1}$ ($3.29{\sim}4.57mg\;L^{-1}$). In addition, decrease in rate of oxygen consumption and excretion of ammonia was also noted at this critical water temperature and dissolve doxygen concentration. Moreover, there has been common histopathological changes were observed in warty sea squirt's gill pouch, digestive tract, and tunic as follows such as: proliferation of epithelial cells, condensation and necrosis, permeation of phagocyte and blood cell, loss of cilium and muscular fiber degeneration. Based on our study results, we suggest that these parameters can also be useful to evaluate the survival rate and physiological response in other species.

• Korean Journal of Agricultural and Forest Meteorology
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• v.9 no.4
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• pp.268-276
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• 2007

Urban atmosphere may play as a harbinger for the future climate change with respect to temperature and $CO_2$ concentration. The Seoul metropolitan area is unique in rapid urbanization and industrialization during the last several decades, providing a natural $CO_2$ dome with increased temperature. This study was carried out to evaluate the feasibility of using the urban-rural environmental gradient in replacement of the IPCC mid-term scenario (after 30-50 years). For this, we measured atmospheric $CO_2$ concentration and air temperature at three sites with different degree of urbanization (Seoul, Suwon, and Icheon). Results from 11-month measurement can be summarized as follows: (1) The annual mean $CO_2$ concentration across 3 sites was in the order of Seoul (439 ppm) > Suwon (419 ppm) > Icheon (416 ppm), showing a substantial urban-rural environmental gradient. (2) The diurnal fluctuation in $CO_2$ concentration was greater in summer than in winter, showing the effect of photosynthesis on local $CO_2$ concentration. (3) The daily maximum $CO_2$ concentration was observed at 0500 LST in spring and summer, 0800 LST in autumn, and 0900 LST in winter, showing the sunrise-time dependence. (4) The observed hourly maximum $CO_2$ concentration averaged for the whole period was 446 ppm in Seoul at 0700 LST, while the minimum was 407 ppm in Suwon at 1500 LST. (5) Compared with the background atmospheric concentration of $CO_2$ in Anmyeon-do (377.4 ppm annual mean), $CO_2$ concentration of the study sites was higher by 14% in Seoul, by 10% in Suwon, and by 9% in Icheon. The observed $CO_2$ concentration in Seoul reached already 98% of the 2030-2040 projection (450 ppm) and 80% of the 2040-2050 projection (550 ppm) under the IPCC BAU scenario, showing a feasibility of using the $CO_2$ dome of Seoul as a natural experimental setting for the mid-term climate change impact assessment.

• Korean Journal of Ecology and Environment
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• v.47 no.3
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• pp.186-193
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• 2014

This study aimed to analyze spatio-temporal trends of phenological characteristics in South Korea by using MODIS EVI. For the phenology analysis, we had applied double logistic function to MODIS time-series data. Our results showed that starting date of phenology seems to have a tendency along with latitudinal trends. Starting date of phenology of Jeju Island and Mt. Sobeak went back for 0.38, 0.174 days per year, respectively whereas, Mt. Jiri and Mt. Seolak went forward for 0.32 days, 0.239 days and 0.119 days, respectively. Our results exhibited the fluctuation of plant phonological season rather than the change of phonological timing and season. Starting date of plant phenology by spatial distribution revealed tendency that starting date of mountain area was late, and basin and south foot of mountain was fast. In urban ares such as Seoul metropolitan, Masan, Changwon, Milyang, Daegu and Jeju, the phonological starting date went forward quickly. Pheonoligcal attributes such as starting date and leaf fall in urban areas likely being affected from heat island effect and related warming. Our study expressed that local and regional monitoring on phonological events and changes in Korea would be possible through MODIS data.