• The Korean Journal of Financial Management
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• v.26 no.4
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• pp.83-102
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• 2009

Banks traditionally focus on the financial services against the uncertain future liquidity needs, i.e. saving as well as lending. As the business model of banks has been shifted from the originate to hold model to the originate to distribute model since the enactment of Gramm-Leach-Bliley Financial Services Modernization Act in 1999, the financial services encompass information gathering and generating, underwriting and risk sharing through packaging claims for the investors, in addition to the payment and settlement services. Ensued are the financial market integration and diversification of financial services, with which the accessibility to financial services is arguably significantly enhanced. Such integration and diversification necessarily entails the risk of contagion due to the non-fulfilling service over the several other financial services, which would be contained easily under the separate financial services. This paper addresses the pricing of fees for the integrated financial services through which the contagion could spread when the users of financial service are not immune to the failure to fulfill their obligation due to the economic turmoil. Consequently the information asymmetry about the clients is unavoidable. Higher fees could drive out the otherwise good clients out of the pool of customers for the financial services. Then, the risk could be exacerbated due to the proliferation of bad clients who are vulnerable to the financial distress and liquidity crunch. So the banks should take into account the interactional effect of the fees between/among the non interest based activities and interest based activities under the information asymmetry. Contrary to our general perception, the current analysis demonstrates that the bank should focus on the reduction of cost associated with good clients rather than that of bad clients.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.16 no.12
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• pp.4008-4023
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• 2022

Since machine learning was introduced into cross-site scripting (XSS) attack detection, many researchers have conducted related studies and achieved significant results, such as saving time and labor costs by not maintaining a rule database, which is required by traditional XSS attack detection methods. However, this topic came across some problems, such as poor generalization ability, significant false negative rate (FNR) and false positive rate (FPR). Moreover, the automatic clustering property of graph convolutional networks (GCN) has attracted the attention of researchers. In the field of natural language process (NLP), the results of graph embedding based on GCN are automatically clustered in space without any training, which means that text data can be classified just by the embedding process based on GCN. Previously, other methods required training with the help of labeled data after embedding to complete data classification. With the help of the GCN auto-clustering feature and labeled data, this research proposes an approach to detect XSS attacks (called GCNXSS) to mine the dependencies between the units that constitute an XSS payload. First, GCNXSS transforms a URL into a word homogeneous graph based on word co-occurrence relationships. Then, GCNXSS inputs the graph into the GCN model for graph embedding and gets the classification results. Experimental results show that GCNXSS achieved successful results with accuracy, precision, recall, F1-score, FNR, FPR, and predicted time scores of 99.97%, 99.75%, 99.97%, 99.86%, 0.03%, 0.03%, and 0.0461ms. Compared with existing methods, GCNXSS has a lower FNR and FPR with stronger generalization ability.

• Journal of Climate Change Research
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• v.4 no.4
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• pp.409-416
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• 2013

Recently, the property damage has been increasing due to climate change in South Korea. While the general public has become more aware of the environmental issues, but the environmental education system has not been able to meet up with the demands of the public. The purpose of this study is to suggest preliminary data which is needed for developing a environmental textbook. A survey was conducted to meet the following requirements. Respondent's level of interest in problems or situations concerning the following eight themes: fundamental science, health and medicine, aerospace engineering, life science, electrical electronics, telecommunication, mineral and energy resources, environment. The data was collected from 139 students in Seoul and Gyeonggi province. The results showed that health and medicine issues interest students the most (49.6%), followed by environment (46.8%). We asked the respondents who were very interested in each question for their reasons, and they answered that environmental issue is related to the improvement of their life quality (53.8%) than their curiosity (38.5%). Students were very interested in the other issues because of just curiosity. Most students (90.6%) said seasonal change was not same each year. 18.0% of respondents replied that they and their friends had experienced climate change. The majority of students (94.2%) thought that they will experience natural disaster blamed on climate change during their life. In other words, climate change is already the day-to-day events of their lives. The majority of their opinions, more then three than ten students(30.9%) said the South Korean government should conduct an energy saving campaign to climate change problems followed by expanding new renewable energy (24.5%), conducting adaptation policies of climate change(22.3 %), introducing of a system as like $CO_2$ emissions trading(20.9%) and so on. There are more Stu- dents (69.1%) who know of new renewable energy than students who don't know it; however, respondents who know the meaning very well were just 18.7% showing that most students dimly know the meaning of new renewable energy.