• Title/Summary/Keyword: delinquencies

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Mitigating Data Imbalance in Credit Prediction using the Diffusion Model (Diffusion Model을 활용한 신용 예측 데이터 불균형 해결 기법)

  • Sangmin Oh;Juhong Lee
    • Smart Media Journal
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    • v.13 no.2
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    • pp.9-15
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    • 2024
  • In this paper, a Diffusion Multi-step Classifier (DMC) is proposed to address the imbalance issue in credit prediction. DMC utilizes a Diffusion Model to generate continuous numerical data from credit prediction data and creates categorical data through a Multi-step Classifier. Compared to other algorithms generating synthetic data, DMC produces data with a distribution more similar to real data. Using DMC, data that closely resemble actual data can be generated, outperforming other algorithms for data generation. When experiments were conducted using the generated data, the probability of predicting delinquencies increased by over 20%, and overall predictive accuracy improved by approximately 4%. These research findings are anticipated to significantly contribute to reducing delinquency rates and increasing profits when applied in actual financial institutions.

A Study on the Effects of Early Adolescents' Developmental Environment on their Delinquent behavior : Focused on the Mediating Effects of Media Environment (초기 청소년의 발달환경이 비행행동에 미치는 영향 : 매체환경의 매개효과를 중심으로)

  • Hyun, Ta Kyung
    • Journal of the Korea Convergence Society
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    • v.9 no.4
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    • pp.271-283
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    • 2018
  • This study aimed to investigate the effect of adolescent development environment including parenting attitude, peer relationship, and school environment on delinquent behavior, and between these relationships, the mediate effect of media environment such as computer and mobile devices. The $6^{th}$ year data from Korean Children & Youth Panel Survey (KCYPS) was used and the subjects were limited to 518 students of $7^{th}$ grade who are in their early adolescence. The result shows that adolescents under more affectionate, over involvement, and abusive parenting attitude will commit delinquent behaviors more frequently, and so does alienated youth from their friends. Parenting inconsistency and communication with friends make them use computer and cell phone more often, and excessive media usage increases adolescent's delinquent behavior. In conclusion, family environment and peer relation have influence on adolescents' delinquent behavior. Therefore, there is necessity to build development environment that prevent adolescents' delinquencies like parent education program or peer communication program for example. Also, proper education program for using computer or cell phone usage can reduce adolescents' delinquent behaviors, especially when its addictive aspect was recently issued.

The Influence of Brand Origin and Ethnocentrism on Sponsorship Attitude of Global Brand (브랜드 원산지 및 자국민 중심주의적 관계가 글로벌 브랜드의 스폰서쉽에 미치는 영향)

  • Son, Young-Seok
    • CRM연구
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    • v.3 no.1
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    • pp.1-17
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    • 2010
  • When the marketer wants to execute the sport sponsorship, he(she) has to consider the numerous intervening variables for the effective results. This study illuminates the relationship between these kind of intervening variables of brand origin, familarity, and consume's ethnocentric delinquencies to the sponsorship attitude. The result shows according to the country origin of brand, the consumer's perception of the attitude to the sponsor brand is changed. That is the more positive of the consumer perceive to the brand origin, the more positive to the sponsoring brand attitude. That means the consumer can judge the pro or con of that kind of sponsorship through the mental accounting. But the consumer believes the global sponsorship helps the sport team. The second result shows that the familiarity toward COO(country of brand origin) affects to the sport sponsorship positively. The subjects respond that when the sponsor COO is not so familiar to them, they can discount the sponsor effect of sponsorship. The third result is that there is litter influence of ethnocentrism of sport sponsorship.

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Sexual Behavior and Related Factors of Coitus of Teenage Girls in Korea (십대 여학생의 성행태와 성경험 관련요인)

  • 장순복;김소야자;한인영;박영주;강현철;이선경
    • Journal of Korean Academy of Nursing
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    • v.31 no.5
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    • pp.921-931
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    • 2001
  • The purpose of this study was to investigate the rate of pregnancy, abortion, delivery and contraceptive use and the relationship between the related factors and the early coitus among Korean teenagers. Method: The subjects of this study were 12,733 teenagers age 13-19 years in 7 major cities and 9 provinces in Korea. Data was collected from 2 Oct., to 28 Oct., 2000 and analyzed by using SPSS 10.0 Program. Results: The results showed pregnancy rate 4.5%, delivery rate 0.5%, abortion rate 0.4%. Adolescent girls who experienced coitus relatively went to vocational school, coeduaction school, night school in the general characteristics (p=0.000). Adolescent girls who experienced coitus tend to go to video room (18.5%), go the singing room (60.7%), the bar (54.8%), petting with the partner during the dates. There were overlapping juvenile delinquencies such as drinking (89.2%), pornography (65.3%), bond inhalation (2.7%), leaving homes (43.7%), smoking (14.5%), cyber sex (70.8%), phone sex (12.9%). Adolescent girls who experienced coitus were more suffering from Wangtta (26.1%) than who had not. They showed significant positive attitudes toward coitus; such as feeling of excitement (6.6%), nature (37.9%), beauty (8.7%). On the other hand, they had more guilty (2.8%) than the inexperienced (p=0.000). The main factors relating to early coitus were 'to confirm love' (46.9%), 'afraid of rejection' (32.2%). They think the benefits of coitus were 'more intimacy with boyfriends' (20.6%), 'satisfaction of curiosity' (16.8%). The losses on coitus were 'worry about pregnancy' (73.7%) and 'unability to refuse sexual contacts' (28.7%) Conclusion: It could be concluded that it is necessary to plan different sex education programs according to general characteristics and delinquency behaviors of teenage girls in Korea.

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The Effects of a Forest Therapy Program on the Self-Esteem and Resilience of Juveniles Under Protective Detention

  • Kim, In-Ok;Shin, Won-Sop;Jeon, Jin Young
    • Journal of People, Plants, and Environment
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    • v.23 no.4
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    • pp.485-494
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    • 2020
  • Background and objective: Juvenile crimes tend to intensify and become habitual in South Korea and juvenile delinquencies must be corrected during adolescence. This study aimed to investigate the effects of a forest therapy program on the self-esteem and resilience of juveniles under protective detention. Methods: We designed the forest therapy program titled "A Dreamy Child, One More Forest!" for one night and two days and a total of 122 juveniles under protective detention participated in the program. Self-esteem scale (SES) and resilience scale for adolescents (RSA) were used and the collected data were analyzed using frequency analysis and T-test. Results: Most of the participants were male (96.7%), and the number of those aged 17 years was highest (35, 28.7%). The number of those enrolled in middle and high school was 69 (56.0%) and that of those who dropped out was 39 (31.9%). Their self-esteem significantly increased from 3.102 before participation to 3.636 (p < .001) after participation in the forest therapy program. Resilience also increased remarkably from 2.950 before participation to 3.829 (p < .001) after participation, showing positive changes after participation in both cases. Conclusion: The results indicated the forest therapy program could enhance the self-esteem of juveniles under protective detention, provide them with an opportunity for developing their inner positive power and reinforcomg resilience, helping them return to society in a healthy state. Further research needs to be conducted on how the effects over the program period will differ from one another and how long the positive effects will last.

A Study of Paths of the Effects of Adolescents' Part-time Work Experiences on Mild and Serious Delinquency (청소년 아르바이트 경험이 경비행 및 중비행에 영향을 미치게 되는 경로 탐색)

  • Kim, Ye-sung;Kim, Sun-suk
    • Korean Journal of Social Welfare Studies
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    • v.40 no.1
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    • pp.139-161
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    • 2009
  • The purpose of this study was to investigate the paths of the related variables that exert an influence upon the increase in mild and serious delinquencies of part-time work adolescents. Based on differential association theory, social control theory and power resource theory, the research model was composed and analyzed through structural equation model. Data came from survey which was done by fifteen high schools located in Seoul, and 201 questionnaire of returned were used for analysis. The results were congruent with theoretical expectations. The relationship between work hour per week and delinquency was mediated by delinquent propensity of fellow workers, amount of spending money and school adjustment. In conclusion, various theoretical and practical implications for social work practice focusing on the part time work students were discussed. Enforcement of regulation and revision of current law and various ways for helping and supervising working students in school, family and working places are needed.

A Grounded Theory Approach on the School Dropout of Adolescents in Korea (청소년의 학업중퇴 적응과정에 대한 현실기반이론적 접근)

  • Park, Hyun-Sun
    • Korean Journal of Social Welfare
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    • v.53
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    • pp.75-104
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    • 2003
  • This study was performed to analyze the process and develop the pattern of school dropout in the context of the Korean educational systems. Participants were 30 adolescents experiencing dropout one more times and their age ranged from 16 to 23. A major category derived and analysed from a grounded theory method of Strauss and Corbin(1990). The qualitative analysis indicated that dropout is contradictory experiences in Korea. Because it is emancipation from various distress of school systems as well as loss of various benefit as students, Main causes of dropout were identity problems, school frustrations(failure in school achievements), environmental disadvantaged and delinquencies. Sometimes these various causes are emerged at the same time. Most important condition of context which was decided was whether dropout was voluntary and considered. After dropout from school, it was important if there were resources such as emotional and informative supports. Especially informative support was critical to adjust after dropout. Dropout experience was divided largely into 4 patterns such as type of 'searching the identity', 'being disorganized', 'escaping' and 'frustration'. In chronological analysis resulted in 4 stages including 'stage I. loss of motivation', 'stage II. escaping from school', 'stage III. trial and error', 'stage IV changing the meaning of dropout in the life.

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A Study on the Factors of Normal Repayment of Financial Debt Delinquents (국내 연체경험자의 정상변제 요인에 관한 연구)

  • Sungmin Choi;Hoyoung Kim
    • Information Systems Review
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    • v.23 no.1
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    • pp.69-91
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    • 2021
  • Credit Bureaus in Korea commonly use financial transaction information of the past and present time for calculating an individual's credit scores. Compared to other rating factors, the repayment history information accounts for a larger weights on credit scores. Accordingly, despite full redemption of overdue payments, late payment history is reflected negatively for the assessment of credit scores for certain period of the time. An individual with debt delinquency can be classified into two groups; (1) the individuals who have faithfully paid off theirs overdue debts(Normal Repayment), and (2) those who have not and as differences of creditworthiness between these two groups do exist, it needs to grant relatively higher credit scores to the former individuals with normal repayment. This study is designed to analyze the factors of normal repayment of Korean financial debt delinquents based on credit information of personal loan, overdue payments, redemption from Korea Credit Information Services. As a result of the analysis, the number of overdue and the type of personal loan and delinquency were identified as significant variables affecting normal repayment and among applied methodologies, neural network models suggested the highest classification accuracy. The findings of this study are expected to improve the performance of individual credit scoring model by identifying the factors affecting normal repayment of a financial debt delinquent.

Relationship between Access to Lewd Internet Contents by Middle School Students and Their Awareness of Sex (중학생의 인터넷음란물 접속과 성 의식의 관계)

  • Lim, Jong-In;Choi, In-Sook
    • The Journal of Korean Society for School & Community Health Education
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    • v.4
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    • pp.117-139
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    • 2003
  • The purpose of this research lies in presenting logical viability for the measures that curtail access to lewd Internet contents by middle school students amidst the reality in which lewd contents are circulated freely through the Internet, a medium that the middle school students find most easy to access. In order to establish right form of awareness towards sex, this research identified the ways they access the lewd Internet contents, their reaction after the exposure to those contents, their knowledge of sex, their concerns regarding sex and their accessibility to sexual activities in order to conduct a comparative analysis on the relationship between lewd Internet contents and their awareness of sex. First, realities of accessing lewd Internet contents and reactions according to the demographics of middle school students There isa significant difference in the experience of accessing lewd Internet contents in terms of gender. Mostly, male students tend to access the contents more. As for the way they access the lewd Internet contents, both male and female students replied that they access through spam mail of lewd nature. Thus, measures to address this problem are needed urgently. As to when they first accessed the lewd contents, most of the research subjects replied that they accessed either in elementary school period or in the early middle school period. This shows that most of the students got exposed to lewd contents even before they could establish positive, correct awareness of sex. Thus, there is a risk that they may formulate wrong kind of sexual awareness. Accordingly, it is necessary to develop measures through focused sex education. Students are divided into two groups according to the time they spend on the contents averagely: those who spend over one hour and those who spend less than an hour on the lewd contents. If the students spending longer hours are not to be checked and properly guided, it may lead to increasing cases of sexual delinquencies due to their wrongly formed awareness of sex. When the question of existence(non-existence) of guardian was addressed, students with both parents tend to access the lewd Internet contents in a more diverse manner and tend to access more compared to those students from single parent or no-parent families. Accordingly, guardians need to pay attention to how their children are using the Internet. Second, awareness of sex depending on the middle school students' demographics In case of sexual knowledge, middle school students shows relatively high level of knowledge. In particular, female students are found more knowledgeable than male students, and the students in upper years are more knowledgeable as well. As a result, this research recommends that the students in lower years should be guided with more basc and detailed information, while those in upper years need to be taught to form and express their own thoughts and attitudes and to build up independence on this matter. In case of worries about sex, both male and female students don't worry too much about it. However, male students are more concerned about sex than female students in a more diverse ways. As for the differences by academic year, concerns for sex increase, as students get older. Accordingly, sex education that helps establish sound perception of the opposite sex and that focuses on the etiquettes that one must adhere to at the presence of the opposite sex need to be conducted against middle school students. In case of accessibility to sex, male students manifest higher tendency than female students. As for the differences by academic year, those in the first and second years show higher accessibility than those in their third year. In general, younger students tend to be more open-minded toward sex. Accordingly, students in lower academic years need to undergo basic knowledge oriented sex education, whereas those in upper academic years need to undergo discussion centered sex education where they subject to questions regarding their attitude and opinion. Third, relationship between the reactions after the exposure to the lewd Internet contents and their awareness of sex As the frequency of contact with lewd Internet contents increases, awareness of sex increases as well. Thus, the lewd Internet contents contribute to the increase in students' concern for sex as well as increase in accessibility to sex, which eventually become barriers to students' establishment of a healthy perception of sex. Reactions to sex after the exposure to lewd Internet contents and awareness of sex indicate a significant correlation. However, negative correlation is manifested with knowledge of sex. Thus, it is possible to know that the greater access to lewd Internet contents does not necessarily translate into increase in knowledge of sex. However, the study showed there is a correlation between concerns for sex and the level of accessibility to sex. In more detail, the more reactions to the contents they show, the more concerns for sex they have and the more positively they take acceptability to sex. Moreover, it is necessary to develop necessary measures since textbooks today do not include measures needed to address the lewd Internet contents. Given the above findings, it is necessary to continue to complement structural measures in order to prevent easy access of lewd Internet contents by middle school students. Moreover, it is necessary to be considerate of the students so that they themselves can form a healthy Internet culture and grow up within positive framework for the sex education.

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