• Proceedings of the Korea Contents Association Conference
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• 2008.05a
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• pp.56-60
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• 2008

In this paper, we design and implement the web-based property management system using RFID. There are many properties in the organizations such as companies, schools and so on. Many users share these properties. Thus, these fields require efficient management systems for monitoring a variety of information such as the locations and the detailed information of the properties for the monitoring and lending services. We attach RFID tags to every property and monitor their information with our web-based management system. Our management system provides the monitoring service and the lending service for properties and users.

• The Journal of the Convergence on Culture Technology
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• v.10 no.3
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• pp.467-474
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• 2024

This study analyses customer data from a US online lending platform to empirically document the discriminatory treatment that low- and middle-income borrowers face in financial markets. Researchers are using financial data from nearly 2.93 million loans between 2007~2020 of the Lending Club on the open-source Kaggle platform. We find that thin-filers borrowers, especially those with lower credit scores, receive loans at higher interest rates. This discriminatory treatment undermines financial inclusion and has the potential to increase social inequality. The significance of this research is that it sheds substantial light on the problem of inequality in financial markets and, based on the findings, suggests concrete measures to ensure equitable access to finance for all customers and enhance sustainable financial inclusion. In doing so, we propose a shift towards enhancing the social responsibility of institutions.

• Proceedings of the Korea Inteligent Information System Society Conference
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• 2004.11a
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• pp.179-188
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• 2004

Bankruptcy prediction is an important and widely studied topic since it can have significant impact on bank lending decisions and profitability. Recently, support vector machine (SVM) has been applied to the problem of bankruptcy prediction. The SVM-based method has been compared with other methods such as neural network, logistic regression and has shown good results. Genetic algorithm (GA) has been increasingly applied in conjunction with other AI techniques such as neural network, CBR. However, few studies have dealt with integration of GA and SVM, though there is a great potential for useful applications in this area. This study proposes the methods for improving SVM performance in two aspects: feature subset selection and parameter optimization. GA is used to optimize both feature subset and parameters of SVM simultaneously for bankruptcy prediction.

• Journal of Information Management
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• v.6 no.6
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• pp.164-166
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• 1973

영국(英國)에서는 대학도서관(大學圖書館), 공공도서관(公共圖書館) 및 특수도서관(特殊圖書館)을 포함하여 각종(各種)의 도서관(圖書館)이 많이 있다. 그러나 불과 몇 달전까지만 해도 국가도서관제도(國家圖書館制度)가 없었다는 것은 경이(驚異)할만한 일이며, 세계적(世界的)으로 유명(有名)한 영국박물관도서관(英國博物館圖書館)도 공식적(公式的)인 국가도서관(國家圖書館)이 아니었기 때문이다. 1972년(年)에 새로운 입법(立法)이 통과되어, 소위 "영국도서관(英國圖書館)"이라 불리우는 국립도서관(國立圖書館)이 현재(現在) 건립중(建立中)에 있는데, 이것은 영국박물관도서관(英國博物館圖書館)(British Museum Library), 국립과학발명참고도서관(國立科學發明參考圖書館)(National Reference Library of Science and Invention), 국립과학기술대출도서관(國立科學技術貸出圖書館)(National Lending Library for Science and Technology), 국립중앙도서관(國立中央圖書館)(National Central Library) 및 영국국립서지관(英國國立書誌館)(British National Bibliography)을 통합(統合)하여 3부(部)로 구성(構成)되어질 것이다.

• East Asian Journal of Business Economics (EAJBE)
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• v.8 no.4
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• pp.45-65
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• 2020

Purpose - This paper is to analyze the system and the models of financial analysis in the assessment of economic consistency and the creditability of borrower. To test the process of complex express-analysis, it is utilized by the concentric matrix models by using the matrix of 5×5.. Research design, data, and methodology - The estimation of economic consistency, the creditworthiness, the complex express-analysis with application of concentric matrix models were carried out on the basis of data of the report for the 2017 of corporations POSCO and in the first half of the 2018 Daewoo Shipbuilding & Marine Engineering of South Korea. Results - This paper focused on the unbalance of the corporate financial structure (capital, receivable) and the assessment of sustainability development, taking into account the liquidity, solvency, financial sustainability and economic viability of the enterprise. Conclusions - this paper also consider the theoretical means of regulating receivables. The material is presented in the pedagogical context and appendix of the conclusion.

• Journal of Information Processing Systems
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• v.16 no.4
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• pp.935-958
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• 2020

The core value of finance is credit. It can be said that without credit, there can be no finance. The distributed structure of the blockchain and the low-cost trust-building mechanism based on mathematical algorithms provide a new solution and path for solving and optimizing related problems in the financial field. The blockchain technology is applied in the development of the financial industry through consensus mechanisms, smart contracts, and distributed networks. In this research, a comprehensive survey of the blockchain technology is proposed in the development of financial services including equity crowdfunding and credit investigations in inclusive finance, cross-border remittance, Internet financial payment, P2P lending, supply chains finance, and the application of blockchain in the field of anti-money laundering. This paper discusses the role of blockchain in solutions to different issues in the financial field. It also discusses the architectures in different financial service application scenarios from the perspective of the financial trust mechanism and the perspective of the technology and rule change of blockchain participation in financial innovation. Finally, the problems and challenges of blockchain in financial services are discussed, and corresponding solutions are proposed.

• The Journal of the Convergence on Culture Technology
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• v.5 no.4
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• pp.277-282
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• 2019

This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.

• Journal of Distribution Science
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• v.18 no.6
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• pp.47-55
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• 2020

Purpose: The issue of access to credit for private enterprises has been given an increased amount of attention given their crucial role in fueling economic growth. Vietnamese small and medium-sized businesses, however, face many obstacles in accessing financing for profitable investment opportunities, with up to 70% unable to access or obtain bank loans. This paper aims to address the factors affecting the credit accessibility of Vietnamese enterprises, and provide further insights of this issue under the new context of Basel II. Research design, data and methodology: We adopt a pooled sections approach to construct a sample of 155 firm observations before and after the implementation of Basel II accord in Vietnam and employing binary logistic regression and interaction terms for data analysis. Results: We find that firm characteristics (export participation, female ownership) and proxies for bank-borrower relationship (deposit, overdraft facility) have significant and positive effects on firm's access to credit. Notably, the sign of interaction coefficient shows that the implementation of Basel II tends to benefit small-sized firms in terms of credit accessibility. Conclusions: The finding further emphasizes the important role of relationship lending in Vietnam's credit market, which is even more critical for small firms when Basel II is universally applied as the new banking standards in the coming years.

• Journal of the Korean Society of Safety
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• v.20 no.3 s.71
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• pp.164-173
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• 2005

In this paper, the systematic problems of safety management in domestic construction industry are presented by the investigation and analysis of construction fatal injuries. In particular, it is discussed that the current construction safety management system by contractors leading is ineffective to prevent the serious accidents caused by inappropriate planning and design and to circulate the safety management cycle without interruption. A couple of ways for improving domestic construction safety management system are suggested in broad perspective. This is done by the analysis of construction safety management system of four advanced industrial countries such as the United States, the United Kingdom, Germany, and Japan and the study of a best practice. Total safety management system by owners leading is recommended to prevent construction accident effectively because this system makes all the parties join to the management system and distribute the responsibilities clearly to each party. This will drop the accident occurrence rate by dragging all the parties' cooperations and activating the total safety management system in an early stage.

• Journal of Korea Society of Industrial Information Systems
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• v.11 no.2
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• pp.98-102
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• 2006

Recent development of Information Technology, the ubiquitous computing environment is on the rise. At the same time, RFID technology and its related applications are actively investigated. In this paper, a portable merchandise information providing system using cheap wireless transmission module is developed in order to overcome the mobility limitation of the wired RFID system. The TRF6901 chipset of 900MHz band from TI is used for the wireless transmission module and the MPS430F149 is used for the MPU. It is expected that the developed system can be applied to numerous innovative wireless applications such as library circulation desk for lending service and automated door system for entrance control.