• 한국경영과학회:학술대회논문집
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• 한국경영과학회 1996년도 추계학술대회발표논문집; 고려대학교, 서울; 26 Oct. 1996
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• pp.19-22
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• 1996

A traditional approach to the prediction of economic and financial variables takes the form of statistical models to summarize past observations and to project them into the envisioned future. Over the past decade, an increasing number of organizations has turned to the use of neural networks. To date, however, many spheres of interest still lack a systematic evaluation of the statistical and neural approaches. One of these lies in the prediction of corporate bond yields for Korea. This paper reports on a comparative evaluation of ARIMA models and neural networks in the context of interest rate prediction. An additional experiment relates to an integration of the two methods. More specifically, the statistical model serves as a filter by providing estimtes which are then used as input into the neural network models.

• 산경연구논집
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• 제9권8호
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• pp.41-50
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• 2018

Purpose - As an important participant in the financial markets, the commercial bank will be impacted by the interest rate marketization. Owing to the special condition of China, this paper tries to explore the impact of operating mechanisms between interest rate marketization and the profitability of the commercial Bank. Research design, data and methodology - This paper applies time series data from 2005 to 2016. Due to the short period of time series, autocorrelation often occurs. Therefore, the fully modified least squares(FMOLS) will be used to conduct an empirical analysis. The reason is that it can move off the autocorrelation between variables and disturbance term. And FMOLS also can make estimated cointegrating parameters closed to normal distribution. More importantly, in order to avoid spurious regressions, the Augmented Dickey-Fuller Test will be used to verify the stationarity of all variables. The total return of asset is treated as the profitability of commercial bank. The net interest spread is treated as a measurement of interest rate marketization. Both are regarded as dependent variables. The non-interest income or gross revenues and impaired loans or gross loans are treated as independent variables. The sixteen representative listed commercial banks are divided into three categories (state-owned, share-holding and city-owned) to conduct an estimation. Results - Via empirical analysis, the findings show that the net interest spread has a positive effect on the profitability of the commercial bank. More specifically, 1% increase in the net interest spread will lead 0.157% increase in the profitability of state-owned commercial bank, 0.269% increase in the profitability of share-holding commercial bank and 0.263% increase in the profitability of city-owned commercial bank. If regarding the sixteen listed commercial city as a whole, 1% increase in the net interest spread will lead 0.267% increase in the profitability of the commercial bank. Conclusions - As the interest rate marketization, the importance of interest rate on the profitability of commercial bank has become more and more significant. The empirical evidences also prove that the net interest spread can bring about the change of the commercial bank's profitability. Therefore, policy-makers of commercial banks should fully understand the operating mechanism between them.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.1119-1127
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• 2020

This study aims to identify the determinants of student interest in pursuing Accounting Professional Education (Indonesia: PPAk) in Province of Bali. The determinants which the author has used are: independent variables are social motivation, career motivation, quality motivation, and duration of education. The sample in this study comprises of 75 respondents who are students of Accounting discipline at the Faculty of Economics and Business at universities in the Province of Bali. Data was collected using a questionnaire and have been processed using multiple regression analysis. The results show that social motivation, career motivation, and quality motivation have a positive effect on students' interest in studying Accounting Professional Education. On the other hand, the duration of the accounting course has a negative effect on students' interest in studying this program. The importance of role of a professional accountant in realizing transparency in public life, and an economy that is free from financial deceit and fraud makes the role of professional accounting institutions very important. However, graduates' who desire to continue their studies in the PPAk program tends to be low. The findings of this research are expected to become the basis for policy makers in formulating rules related to the development of the accounting profession in the society, especially in Indonesia.

• 한국지구과학회지
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• 제27권3호
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• pp.260-268
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• 2006

학생의 정의적 태도는 지적 성취에 의미있는 영향을 줄 뿐 아니라, 정의적 영역에 대한 성취 그 자체도 학교교육의 중요한 목표이다. 본 연구에서는 학생들의 과학 흥미도에 대한 국내 외의 선행 연구 자료 분석과 초 중 고 학생들의 과학 흥미도 설문 조사를 통하여 초등학교, 중학교, 고등학교로 올라가면서 우리나라 학생들의 과학에 대한 관심과 흥미가 어떻게 달라지는지를 고찰하였다. 조사 결과를 종합하여 (1) 과학에 대한 흥미와 즐거움, (2) 과학에서 도구적 동기유발, (3) 과학(학습)에서의 긴장감, (4) 과학에서 자아 개념 등의 측면에서 우리나라 학생들의 과학 교과목에 대한 태도 측면의 문제점을 분석하였다. 주요 연구 결과로는 내적 동기인 학생들의 과학에 대한 흥미와 즐거움, 도구적 동기 유발 및 과학에 대한 가치 인식, 과학에 대한 자신감 등은 학교급이 높아질수록 낮아지는 것으로 나타났다. 과학에 대한 학생들의 이러한 부정적 인식은 결국 이공계 기피 현상으로 연결되는 것으로 보인다. 학생들은 학교급이 높아질수록 또는 작년보다는 올해 수업이 더 재미없는 이유로 내용이 어려우며, 실험이나 활동을 하지 않고, 교사가 설명위주로 진도를 나가기 위한 지루한 수업을 하기 때문이라고 지적하였다. 연구 결과를 토대로 일상 생활과 관련된 교육과정 내용 구성, 교수학습 방법 개선, 최소한의 과학 수업 시수 확보 등의 측면에서 정의적 영역 교육 개선 방안을 제안하였다.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제7권8호
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• pp.1843-1859
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• 2013

The continuous increase of the spatial resolution of remote sensing images brings great challenge to image analysis and processing. Traditional prior knowledge-based region detection and target recognition algorithms for processing high resolution remote sensing images generally employ a global searching solution, which results in prohibitive computational complexity. In this paper, a more efficient region of interest (ROI) detection algorithm based on visual attention and threshold segmentation (VA-TS) is proposed, wherein a visual attention mechanism is used to eliminate image segmentation and feature detection to the entire image. The input image is subsampled to decrease the amount of data and the discrete moment transform (DMT) feature is extracted to provide a finer description of the edges. The feature maps are combined with weights according to the amount of the "strong points" and the "salient points". A threshold segmentation strategy is employed to obtain more accurate region of interest shape information with the very low computational complexity. Experimental statistics have shown that the proposed algorithm is computational efficient and provide more visually accurate detection results. The calculation time is only about 0.7% of the traditional Itti's model.

• 대한안전경영과학회:학술대회논문집
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• 대한안전경영과학회 2005년도 추계학술대회
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• pp.569-579
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• 2005

International capital movement has made progress at global liberalization of finance and foreign exchange, international monetary norm changing into floating exchange rate system, easiness of collection of information and trade at improvement of information communication technology from early of 1970's. Results of empirical test for relation between foreign exchange rate or various determination factors of foreign exchange rate and interest rate are followed by next sentences. First, according to relation between foreign exchange rate and interest rate, correlation for each of variables after OECD entrance is increased. 'But, long-term & short-term interest rate is affected by Hanbo & Kia's bankruptcy, continuous large scale coporates bankruptcy and crisis of foreign exchange. Therefore, financial instability is occured. If portfolio investment fund has been inflow as it is mollified by continuous shortage of foreign exchange and fall of country's credit rating, it is expected to have positive effect for long-term & short-term interest rate from appreciation of won against dollar. Second, results from relation between determination factor of foreign exchange rate and interest rate are followed by next sentences. If surplus of current account and goods account is continued, yield of corporate bond is to be stable. But, margin of surplus is expected to diminish after second quarter 98, and difference between external and domestic interest (after adjusting foreign exchange rate) is to be diminished. And if net inflows of foreign investor's fund (stock and bond) is diminished, it is to have negative effect for yield of corporate bond. According to foreign investor's investment movement of previous years, hedge fund were stayed at least during two years in Mexico. It means that sudden capital outflow is not to be happened at Korea.

• 과학교육연구지
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• 제33권1호
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• pp.100-110
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• 2009

본 연구의 목적은 한국교육고용패널(KEEP: Korean Education & Employment Panel) 자료를 활용하여 한국 청소년들의 과학교과 흥미도의 종단적인 변화와 그 영향요인을 분석하고자 한다. 이를 위해 시간의 변화에 따른 종단적인 개인의 변화와 차이를 분석할 수 있는 잠재성장모형(LGM)을 적용하였다. 연구의 결과는 먼저 한국 청소년들의 과학에 대한 흥미도가 변화하고 있으며, 그 변화의 패턴은 이차곡선적인 변화를 보이고 있음을 확인하였다. 그리고 그러한 과학교과 흥미도의 초기치와 변화율의 상관이 부적으로 나타났지만 통계적으로 무의미하였다. 또한 이러한 교과교과 흥미도의 변화에 영향을 주는 요인을 살펴보면 자아관, 학업성취, 학교생활 및 풍토 그리고 진학계열이 주요하게 영향을 주는 것으로 확인할 수 있다.

• 패션비즈니스
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• 제15권5호
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• pp.15-27
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• 2011

This article was examined that the behavior of which they select hair equipment and a product may be significantly influenced by an interest in appearance during adolescence. This study was presented that according to gender, a girl student has higher confidence in appearance than a boy student, and also the higher the confidence in the girl's appearance, and they use more hair products. Moreover, the boy students are higher in than a girl student in the rate of dependence on hair equipment, so the boy students intend to use hair equipment. Therefore, this study was presented that the gender and an interest in appearance is important variables which influence to hair fashion of adolescence on an equipment and a product during presenting a hair-style, an interest in appearance of adolescence significantly influences on explaining the degree of hair equipment and leverage products as well.

• 한국데이터정보과학회:학술대회논문집
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• 한국데이터정보과학회 2003년도 추계학술대회
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• pp.57-72
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• 2003

This article provides integrated neural network models for the interest rate forecasting using change-point detection. The model is composed of three phases. The first phase is to detect successive structural changes in interest rate dataset. The second phase is to forecast change-point group with data mining classifiers. The final phase is to forecast the interest rate with BPN. Based on this structure, we propose three integrated neural network models in terms of data mining classifier: (1) multivariate discriminant analysis (MDA)-supported neural network model, (2) case based reasoning (CBR)-supported neural network model and (3) backpropagation neural networks (BPN)-supported neural network model. Subsequently, we compare these models with a neural network model alone and, in addition, determine which of three classifiers (MDA, CBR and BPN) can perform better. For interest rate forecasting, this study then examines the predictability of integrated neural network models to represent the structural change.

• The Journal of Asian Finance, Economics and Business
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• 제3권2호
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• pp.5-11
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• 2016

This study investigates the impact of Malaysia's capital market and other key determinants on Economic Growth from the period of 1988 to 2012. The key determinants studied are foreign direct investment and real interest rate. This study also examines the long run and short run relationship between the economic growth and capital market, foreign direct investment, and real interest rate by using bound testing cointegration of Autoregressive Distributed Lag (ARDL) and Error Correction Model (ECM) version of ARDL model. The empirical results of the study suggest that there is long- run cointegration among the capital market, foreign direct investment, real Interest rate and economic growth. The result also suggests that capital market and real interest rate have positive impact on economic growth in the short run and long run. Foreign direct investment does not show positive impact on economic growth in the short run but it does in the long run.