• KSII Transactions on Internet and Information Systems (TIIS)
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• v.15 no.10
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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.

• Journal of the Korean Society of Food Science and Nutrition
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• v.15 no.1
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• pp.82-89
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• 1986

This study was designed to observe the effects of dietary P/S ratio on lipid component in plasma and tissues. Changes in plasma total cholesterol and triglyceride concentration and also cholesterol and triglyceride concentrations in liver, small intestine and aorta were determined in adult rats fed experimental diets providing different dietary P/S ratios as 0.05, 0.5, 1.0, 2.0, 3.0, and 4.0, respectively. The results obtained were summarized as follows; 1. Feed efficiency ratio was not significantly different among six groups at 2nd week. But at 4th week, the higher the dietary P/S ratio the higher the feed efficiency ratio. 2. Plasma cholesterol level was getting higher as increased dietary P/S ratio at 2nd week, But that was significantly decreased as P/S ratio increased at 4th week. 3. Plasma triglyceride level was significantly decreased as increased dietary P/S ratio at 4th week. 4. Cholesterol concentrations in liver and small intestines were getting higher as increased dietary P/S ratio at 4th week, But aortas cholesterol concentration was not influenced by P/S ratio. 5. Triglyceride concentrations in liver and small intestines were significantly increased as increased dietary P/S ratio. On the contrary, triglyceride concentration in aortas was not influenced by P/S ratio.

• The Korean Journal of Community Living Science
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• v.16 no.1
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• pp.49-58
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• 2005

The purpose of this study was to identify the eating habits and attitudes by socioeconomic factors(sex, age, educational level and annual family income) of adults in rural areas. The survey was administered by the nationwide 580 adult persons in rural in February 2001. The survey was conducted by a questionnaire that was composed of 20 items of likert-type scale. These data were analyzed by using SPSS(version 10.0) PC package and were expressed by mean and frequency. The results are following : 1) The degree of efforts to eating safe and fresh food were significantly different according to age(p<0.05), educational level(p<0.001) and annual family income(p<0.001). 2) The degree of efforts to nutritional balanced diet were significantly different by age(p<0.05) and annual family income(p<0.00l). 3) The concern about overeating of energyㆍsaltㆍfat were increased as the educational level goes up(p<0.001). 4) Meal regularity was more regular as age goes up(p<0.05). 5) Regarding for eating a variety of food were differed significantly by age(p<0.05) and educational level(p<0.01). 6) There are significantly different in duration of meal time of the subjects by sex(p<0.001), age(p<0.05) and educational level(p<0.0l). 7) Preference for snacks was significantly different by age (p<0.05) and educational level(p<0.0l). 8) There were significant differences in preference for processed foods(p<0.001) and frequency of using a chemical seasoning in cooking(p<0.05) of the subjects by educational level. 9) As the age(p<0.001) goes up and the educational level(p<0.001) and annual family income(p<0.001) goes down, they did not recognize the necessity for improving eating habits. According to these results, there were differences in eating habits between socioeconomic characteristics group in rural area. Therefore, this study can be used as basic data for specific nutritional intervention program in rural areas.

• Health Policy and Management
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• v.23 no.1
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• pp.3-18
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• 2013

This paper investigates the possibility of expanding pay-for-performance (P4P) program as a provider payment system, in terms of financial, economical, and political sustainability. In order to expand the sustainable P4P, P4P should have usefulness in terms of economic value as well as efficiency in the financial aspects of health care. More importantly, the P4P would be politically sustainable only when both providers and consumers can accept. Korea's healthcare system seems to have logical ground for the P4P program financially and economically. However, how well the P4P can work remains to be proven in its implementation. After 43 tertiary hospitals applied the P4P program for acute myocardial infarction (AMI) and C-section in 2007, the number of hospitals adopting the P4P program for AMI and C-section has increased to 316 in 2011, and an incentive for hospitals applying the P4P has risen to 2% from 1% of health insurance benefits. This shows that the P4P program introduced by Health Insurance Review and Assessment Service is quite successful. In addition, people are aware of the need for improved P4P program and policy alternatives have been already made. Therefore, it is very important to come up with politically supportable strategies that can make providers and consumers accept the P4P program while maintaining the governance of the existing health insurance policy. To this end, there are some tasks to be considered. First, the expansion of the P4P program should be placed on the agenda of the Health Insurance Policy Review Committee, the highest decision-making body, and a separate agency for P4P planning should be established. Second, for more efficient P4P program, the processes of review and assessment, currently carried out separately, should be integrated into a single process. Third, infrastructure to measure the quality of medical services should be sharply expanded. Fourth, the current paradigm for the assessment should be changed. Lastly, a P4P program for consumers should be considered. Given that the consumers in Korea can use medical services freely, the National Health Insurance Corporation could initiate the P4P program for consumers as a means of controlling excessive use of medical services and adjusting consumer's moral hazard.

• Journal of the Semiconductor & Display Technology
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• v.11 no.2
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• pp.53-57
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• 2012

This paper is for accurately simulating the breakdown of MHEMTs with an InP-etchstop layer. 2D-Hydrodynamic simulation parameters are investigated and calibrated for the InP-epitaxy layer. With these calibrated parameters, simulations are performed and analyzed for the breakdown of devices with an InP-etchstop layer. In the paper, the impact-ionization coefficients, the mobility degradation due to doping concentration, and the saturation velocity for InP-epitaxy layer are newly calibrated for more accurate breakdown simulation.

• Bulletin of the Korean Chemical Society
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• v.24 no.8
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• pp.1215-1218
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• 2003

An analysis of the bonding situation in CaM₂P₂ (M=Fe, Ni) with ThCr₂Si₂ structure is made in terms of DOS and COOP plots. The main contributions to covalent bonding are due to M-P and P-P interactions in both compounds. Particularly, the interlayer P-P bonding by variation in the transition metal is examined in more detail. It turns out that the shorter P-P bonds in CaNi₂P₂ form as a result of the decreasing electron delocalization into ${{\sigma}_p}^*$ of P₂ due to the weaker bonding interaction between the metal d and ${{\sigma}_p}^*$ as the metal d band is falling from Fe to Ni.

• Proceedings of the IEEK Conference
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• 2000.11b
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• pp.5-8
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• 2000

This paper shows the high performance as a photodetector of InGaP/GaAs HPT with 3-terminal caused by its inherent good electrical properties compared with AIGaAs/GaAs HPT. InGaP/GaAs HPT produced the high optical gain of about 61 where HPT is biased at Vc=3V, Iв=2${\mu}\textrm{A}$ with an input optical power of 1.23㎼. This is 2.5 times higher than that of AIGaAs/GaAs HPT. And we examined that the optical gain of HPTs becomes larger when operating in 3-terminal configuration rather than 2-terminal with the floating base. for a given base current of 2${\mu}\textrm{A}$, the optical gain is enhanced about 18% in the InGaP/GaAs HPT and about 27% in the AIGaAs/GaAs HPT over that of the 2-terminal device.

• Herbal Formula Science
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• v.23 no.1
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• pp.25-53
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• 2015

This report describes 90 prescriptions related to the use of Ostericum Radix(OR) blended as the main ingredient in the Dongeuibogam.

The following conclusions were reached through investigations on the prescriptions that use OR as a key component.

Prescriptions where OR was used as one of the monarch(drug) utilized for 27 therapeutic purposes in total.

It was searched that the frequency of prescriptions in the therapeutic purposes were as follows. The chapter of eyes is 22.2%, the wind is 13.4%, the child 11.1%, the cold is 8.9%, the head is 6.7%, the malaria disease 4.5% in the order.

Prescriptions that utilized OR as the main ingredient were most used for treating diplopia, facial nerve palsy, headache and a fever in the whole body. These were also used for treating 55 different types of diseases.

The dosage of OR in formulas was ranging from 2pun(about 0.75g) to 2don(about 7.5g). However, 1don(about 3.75g) was most used for clinical application.

We can find out that according to herbs or prescriptions blended with itself, OR made a variety of functions to eliminate cold with wind, humidity, pain, and convulsions from the body. And also, Bangpungtang was the most useful base prescription which used OR as the main component.

• Journal of the Korean Institute of Telematics and Electronics
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• v.22 no.4
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• pp.72-75
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• 1985

1.3$\mu$m double-heterostructure GaInAsP/InP wafers have been grown by LPE and broad contact laser diodes have been fabricated. Electrical and optical characteristics of these lasers under pulsed lasing operation at room temperature are described. Typical threshold currents are below 2 Amp. corresponding to threshold current densities of 3 - 6 KAmp./$\textrm{cm}^2$ and peak lasing wavelength is shown to be at 1.315 $\mu$m.

• Journal of Communications and Networks
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• v.10 no.4
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• pp.422-429
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• 2008

Mobile peer-to-peer (P2P) systems have recently got in the limelight of the research community that is striving to build efficient and effective mobile content addressable networks. Along this line of research, we propose a new peer-to-peer file sharing protocol suited to mobile ad hoc networks (MANET). The main ingredients of our protocol are network coding and mobility assisted data propagation, i.e., single-hop communication. We argue that network coding in combination with single-hop communication allows P2P file sharing systems in MANET to operate in a more efficient manner and helps the systems to deal with typical MANET issues such as dynamic topology and intermittent connectivity as well as various other issues that have been disregarded in previous MANET P2P researches such as addressing, node/user density, non-cooperativeness, and unreliable channel. Via simulation, we show that our P2P protocol based on network coding and single-hop communication allows shorter file downloading delays compared to an existing MANET P2P protocol.