• 제목/요약/키워드: Minimization Problem

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회사채 신용등급 예측을 위한 SVM 앙상블학습 (Ensemble Learning with Support Vector Machines for Bond Rating)

  • 김명종
    • 지능정보연구
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    • 제18권2호
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    • pp.29-45
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    • 2012
  • 회사채 신용등급은 투자자의 입장에서는 수익률 결정의 중요한 요소이며 기업의 입장에서는 자본비용 및 기업 가치와 관련된 중요한 재무의사결정사항으로 정교한 신용등급 예측 모형의 개발은 재무 및 회계 분야에서 오랫동안 전통적인 연구 주제가 되어왔다. 그러나, 회사채 신용등급 예측 모형의 성과와 관련된 가장 중요한 문제는 등급별 데이터의 불균형 문제이다. 예측 문제에 있어서 데이터 불균형(Data imbalance) 은 사용되는 표본이 특정 범주에 편중되었을 때 나타난다. 데이터 불균형이 심화됨에 따라 범주 사이의 분류경계영역이 왜곡되므로 분류자의 학습성과가 저하되게 된다. 본 연구에서는 데이터 불균형 문제가 존재하는 다분류 문제를 효과적으로 해결하기 위한 다분류 기하평균 부스팅 기법 (Multiclass Geometric Mean-based Boosting MGM-Boost)을 제안하고자 한다. MGM-Boost 알고리즘은 부스팅 알고리즘에 기하평균 개념을 도입한 것으로 오분류된 표본에 대한 학습을 강화할 수 있으며 불균형 분포를 보이는 각 범주의 예측정확도를 동시에 고려한 학습이 가능하다는 장점이 있다. 회사채 신용등급 예측문제를 활용하여 MGM-Boost의 성과를 검증한 결과 SVM 및 AdaBoost 기법과 비교하여 통계적으로 유의적인 성과개선 효과를 보여주었으며 데이터 불균형 하에서도 벤치마킹 모형과 비교하여 견고한 학습성과를 나타냈다.

비점오염원의 정량화방안에 따른 적정 설계용량결정 (Estimation of Optimal Size of the Treatment Facility for Nonpoint Source Pollution due to Watershed Development)

  • 김진관
    • 한국방재학회 논문집
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    • 제8권6호
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    • pp.149-153
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    • 2008
  • 개발에 따른 수질오염을 최소화하기 위해서는 사업 전 후에 발생하는 오염량을 정량적으로 산정하여 관리할 필요가 있다. 점 오염원(point source)은 발생대상과 규모가 확정적이므로 법률적으로 강화된 기준에 의하여 충분한 대책을 수립할 수 있다. 이에 반해 비점오염원(non-point source)은 점오염원을 제외한 모든 오염원으로 발생기구나 전파경로에 대한 관리가 점오염원의 경우보다는 어렵다. 기존의 비점오염원 관리를 위한 강우량의 규모결정은 단순히 손실우량을 가정하여 이보다 큰 강우량을 이용하였으나 이는 연간 발생횟수나 지속시간에 대한 항은 거의 고려하지 못하는 실정이다. 이를 해결하기 위해서는 적정 설계강우량의 크기를 연간 발생횟수나 지속시간을 고려하여 결정하고 초기손실량, 유출률, 연간강우량, 연간강우횟수에 대한 적절한 민감도 분석(sensitivity analysis)이 동시에 수행 되어야한다. 본 연구에서는 평상시 강우의 발생특성에 대한 해석 기법연구와 해석적 확률기법(analytical probabilistic method)을 도입하고 공학적으로 합리적인 정량적 산정방법 및 최적환경용량 산정기법에 대하여 제시하여 실제 개발사업에서 합리적인 비점오염원 처리시설의 용량 및 효율을 결정할 수 있도록 하여 최적의 유역관리가 가능하도록 제안하였으며, 이를 위한 실증적 적용결과 분석을 위하여 유역자체개발에 의한 택지개발사례를 검토하였다. 앞으로도 개발은 계속 이루어질 수밖에 없으며, 개발에 따른 영향을 최소화하여 지속가능한 개발을 이루어야 한다. 특히 수자원의 이용에서 유역자체 개발과 더불어 수자원자체 개발에서도 점오염원의 관리만으로는 수질관리가 불가능한 것으로 판단되었다. 비점 오염원의 관리 시스템은 지속적으로 개발되고 있으나 정량적인 환경용량 산정 없이 편의적 접근이 시도되는 현실에 비추어 보다 공학적이고 정확한 판단이 필요한 시점이다. 이러한 일련의 기작으로 개발에 의하여 추가 발생되는 비점오염원의 양을 정량적으로 산정하여 자연상태보다 적극적인 대책을 수립하면 개발에 따른 오염원의 최소화뿐만 아니라 자연상태보다 효율적인 유지관리가 가능하다.

한국농촌보건(韓國農村保健)의 문제점(問題點)과 개선방안(改善方案) (Innovative approaches to the health problems of rural Korea)

  • 노인규
    • 농촌의학ㆍ지역보건
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    • 제1권1호
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    • pp.5-9
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    • 1976
  • The categories of national health problems may be mainly divided into health promotion, problems of diseases, and population-economic problems which are indirectly related to health. Of them, the problems of diseases will be exclusively dealt with this speech. Rurality and Disease Problems There are many differences between rural and urban areas. In general, indicators of rurality are small size of towns, dispersion of the population, remoteness from urban centers, inadequacy of public transportation, poor communication, inadequate sanitation, poor housing, poverty, little education lack of health personnels and facilities, and in-accessibility to health services. The influence of such conditions creates, directly or indirectly, many problems of diseases in the rural areas. Those art the occurrence of preventable diseases, deterioration and prolongation of illness due to loss of chance to get early treatment, decreased or prolonged labour force loss, unnecessary death, doubling of medical cost, and economic loss. Some Considerations of Innovative Approach The followings art some considerations of innovative approaches to the problems of diseases in the rural Korea. 1. It would be essential goal of the innovative approaches that the damage and economic loss due to diseases will be maintained to minimum level by minimizing the absolute amount of the diseases, and by moderating the fee for medical cares. The goal of the minimization of the disease amount may be achieved by preventive services and early treatment, and the goal of moderating the medical fee may be achieved by lowering the prime cost and by adjusting the medical fees to reasonable level. 2. Community health service or community medicine will be adopted as a innovative means to disease problems. In this case, a community is defined as an unit area where supply and utilization of primary service activities can be accomplished within a day. The essential nature o the community health service should be such activities as health promotion, preventive measures, medical care, and rehabilitation performing efficiently through the organized efforts of the residents in a community. Each service activity should cover all members of the residents in a community in its plan and performance. The cooperation of the community peoples in one of the essential elements for success of the service program, The motivations of their cooperative mood may be activated through several ways: when the participation of the residents in service program of especially the direct participation of organized cooperation of the area leaders art achieved through a means of health education: when the residents get actual experience of having received the benefit of good quality services; and when the health personnels being armed with an idealism that they art working in the areas to help health problems of the residents, maintain good human relationships with them. For the success of a community health service program, a personnel who is in charge of leadership and has an able, a sincere and a steady characters seems to be required in a community. The government should lead and support the community health service programs of the nation under the basis of results appeared in the demonstrative programs so as to be carried out the programs efficiently. Moss of the health problems may be treated properly in the community levels through suitable community health service programs but there might be some problems which art beyond their abilities to be dealt with. To solve such problems each community health service program should be under the referral systems which are connected with health centers, hospitals, and so forth. 3. An approach should be intensively groped to have a physician in each community. The shortage of physicians in rural areas is world-wide problem and so is the Korean situation. In the past the government has initiated a system of area-limited physician, coercion, and a small scale of scholarship program with unsatisfactory results. But there might be ways of achieving the goal by intervice, broadened, and continuous approaches. There will be several ways of approach to motivate the physicians to be settled in a rural community. They are, for examples, to expos the students to the community health service programs during training, to be run community health service programs by every health or medical schools and other main medical facilities, communication activities and advertisement, desire of community peoples to invite a physician, scholarship program, payment of satisfactory level, fulfilment of military obligation in case of a future draft, economic growth and development of rural communities, sufficiency of health and medical facilities, provision of proper medical care system, coercion, and so forth. And, hopefully, more useful reference data on the motivations may be available when a survey be conducted to the physicians who are presently engaging in the rural community levels. 4. In communities where the availability of a physician is difficult, a trial to use physician extenders, under certain conditions, may be considered. The reason is that it would be beneficial for the health of the residents to give them the remedies of primary medical care through the extenders rather than to leave their medical problems out of management. The followings are the conditions to be considered when the physician extenders are used: their positions will be prescribed as a temporary one instead of permanent one so as to allow easy replacement of the position with a physician applicant; the extender will be under periodic direction and supervision of a physician, and also referral channel will be provided: legal constraints will be placed upon the extenders primary care practice, and the physician extenders will used only under the public medical care system. 5. For the balanced health care delivery, a greater investment to the rural areas is needed to compensate weak points of a rurality. The characteristics of a rurality has been already mentioned. The objective of balanced service for rural communities to level up that of urban areas will be hard to achieve without greater efforts and supports. For example, rural communities need mobile powers more than urban areas, communication network is extremely necessary at health delivery facilities in rural areas as well as the need of urban areas, health and medical facilities in rural areas should be provided more substantially than those of urban areas to minimize, in a sense, the amount of patient consultation and request of laboratory specimens through referral system of which procedures are more troublesome in rural areas, and more intensive control measures against communicable diseases are needed in rural areas where greater numbers of cases are occurred under the poor sanitary conditions.

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