• 유통과학연구
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• 제12권4호
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• pp.31-39
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• 2014

Purpose - This study investigates the following two issues. First, we attempt to find the important determinants of housing investment and to identify their significance rank using survey panel data. Recently, the expansion of global uncertainty in the real estate market has directly and indirectly influenced the Korean housing market; households demonstrate a sensitive reaction to changes in that market. Therefore, this study aims to draw conclusions from understanding how the impact of financial strength of the household is related to house investment. Second, we attempt to verify the effectiveness of diverse indices of financial strength such as DTI, LTV, and PIR as measures to monitor the housing market. In the continuous housing market recession after the global crisis, the government places top priority on residence stability. However, the government still imposes forceful restraints on indices of financial strength. We believe this study verifies the utility of these regulations when used in the housing market. Research design, data, and methodology - The data source for this study is the "National Survey of Tax and Benefit" from 2007 (1st) to 2011 (5th) by the Korea Institute of Public Finance. Based on this survey data, we use panel data of 3,838 households that have been surveyed continuously for 5 years. We sort the base variables according to relevance of house investment criteria using the decision tree model (DTM), which is the standard decision-making model for data-mining techniques. The DTM method is known as a powerful methodology to identify contributory variables for predictive power. In addition, we analyze how important explanatory variables and the financial strength index of households affect housing investment with the binary logistic multi-regressive model. Based on the analyses, we conclude that the financial strength index has a significant role in house investment demand. Results - The results of this research are as follows: 1) The determinants of housing investment are age, consumption expenditures, income, total assets, rent deposit, housing price, habits satisfaction, housing scale, number of household members, and debt related to housing. 2) The impact power of these determinants has changed more or less annually due to economic situations and housing market conditions. The level of consumption expenditure and income are the main determinants before 2009; however, the determinants of housing investment changed to indices of the financial strength of households, i.e., DTI, LTV, and PIR, after 2009. 3) Most of all, since 2009, housing loans has been a more important variable than the level of consumption in making housing market decisions. Conclusions - The results of this research show that sound financing of households has a stronger effect on housing investment than reduced consumption expenditures. At the same time, the key indices that must be monitored by the government under economic emergency conditions differ from those requiring monitoring under normal market conditions; therefore, political indices to encourage and promote the housing market must be divided based on market conditions.

• 응용통계연구
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• 제21권5호
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• pp.717-726
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• 2008

본 연구는 손해보험회사 경영평가를 하기 위하여 국내 및 미국과 일본의 각각 상위 5개 손해보험회사들의 경영실적을 바탕으로 A.M. Best사의 신용평가 기준에 의거하여 각 경영지표 부문별 및 전체점수를 산정 하였다. 경영평가 부문은 성장성, 효율성, 수익성, 안전성, 유동성 부문이며 도출된 결과를 근거로 국내 보험사와 미국 선진회사 및 일본 손해보험사와 비교하여 국내 손해보험 업계에 주는 시사점 및 개선점을 도출하였다. 경영평가 결과를 보면 국내5개 상위 손해보험회사는 성장성 측면에서는 우수하지만 효율성과 수익성면에서는 보통이며 유동성과 안전성면에서 향상을 지속적으로 추진하는 것이 과제라 할 수 있다. 따라서 국내 상위 손해보험회사들은 미국 및 일본 상위사에 비하여 담보력 강화를 통한 안전성 향상과 유동성 지표의 개선이 필요하다. 즉 국내 손해보험회사들은 유동성지표 개선이 필수적이며 글로벌 보험회사로 성장하기 위해서는 수익성 개선을 통해 담보력 확대를 꾀하여 대형물건 및 재보험 보유 확대를 통한 규모 확대가 필요하다 하겠다.

• 한국정보시스템학회지:정보시스템연구
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• 제18권4호
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• pp.41-57
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• 2009

Although financial information is a great influence upon determining of the group which use them, detection of management fraud and earning manipulation is a difficult task using normal audit procedures and corporate credit evaluation processes, due to the shortage of knowledge concerning the characteristics of management fraud, and the limitation of time and cost. These limitations suggest the need of systemic process for !he effective risk of earning manipulation for credit evaluators, external auditors, financial analysts, and regulators. Moot researches on management fraud have examined how various characteristics of the company's management features affect the occurrence of corporate fraud. This study examines financial characteristics of companies engaged in fraudulent financial reporting and suggests a model and system for detecting GAAP violations to improve reliability of accounting information and transparency of their management. Since the detection of management fraud has limited proven theory, this study used the detecting method of outlier(upper, and lower bound) financial ratio, as a real-field application. The strength of outlier detecting method is its use of easiness and understandability. In the suggested model, 14 variables of the 7 useful variable categories among the 76 financial ratio variables are examined through the distribution analysis as possible indicators of fraudulent financial statements accounts. The developed model from these variables show a 80.82% of hit ratio for the holdout sample. This model was developed as a financial outlier detecting system for a financial institution. External auditors, financial analysts, regulators, and other users of financial statements might use this model to pre-screen potential earnings manipulators in the credit evaluation system. Especially, this model will be helpful for the loan evaluators of financial institutes to decide more objective and effective credit ratings and to improve the quality of financial statements.

• 한국건설관리학회논문집
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• 제19권4호
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• pp.43-51
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• 2018

노후화된 아파트의 재고가 폭발적으로 증가하게 될 것으로 예상됨에 따라 콘크리트 시설물의 내구성을 향상시키기 위한 유지관리의 중요성이 증대되고 있다. 콘크리트 압축강도는 콘크리트 시설물의 내구성을 나타내는 대표적인 지표로, 시설물 유지관리를 위한 정밀 안전 진단에 있어서 중요한 항목이다. 그러나 콘크리트 압축강도를 측정하고 유지관리를 판단하는데 있어서 기존의 방법들은 시설물의 안전 문제, 고비용 문제, 낮은 신뢰성 문제 등의 한계점을 가진다. 기존의 콘크리트 시설물의 압축강도 진단 방법을 대체할 수 있는 방안으로, 본 연구는 심층 컨볼루션 신경망 기법을 활용하여 영상을 통해 콘크리트 압축강도를 예측할 수 있는 모델을 제안하였다. 또한 실험실 환경에서 콘크리트 시편 제작을 통해 구축한 콘크리트 압축강도 데이터셋을 적용하여 학습, 검증 및 테스트를 진행하였다. 그 결과 콘크리트 표면 영상으로 콘크리트 압축강도를 학습할 수 있음을 알 수 있었고, 본 연구에서 제안하는 모델의 유효성을 확인하였다.

• 대한가정학회지
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• 제35권4호
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• pp.211-228
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• 1997

The purposes of this article were to find the general trends of single mothers and their children's stress family resources and coping to estimate the correlation among variables and to analyze the effects of related variables family resources influencing coping and stress. The data were analyzed from the 566 single mothers and their children living in Kwang-ju. The major findings were as follow; 1. Scores of single mothers' and their children's stress family resources were lower than median. But scores of single mothers' coping were higher than median. Their problem-solving coping were higher than emotional coping. 2. Widowed single mothers' stress were related to family resources and emotional coping. Divorced single mothers' stress were related to emotional coping. Children's stress were related to emotional coping. Single mother's stress coping were related to stress of children. 3. Single mothers' coping were influenced by financial well-being family strength I and family strength II. Children's coping were influenced by number of friend. Single mothers' stress were influenced by education financial well-being. Children's stress were influenced by their mothers' education friendship satisfaction and school achievement satisfaction.

• 산업융합연구
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• 제22권6호
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• pp.25-39
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• 2024

중소기업은 보유한 역량과 자원이 부족하기 때문에 외부에서 부족한 자원을 효과적으로 조달, 공유, 활용하여야 하며 이로 인해 외부 기관과의 네트워크의 중요성이 점차 커지고 있다. 본 연구에서는 중소기업의 네트워크 역량 및 네트워크 특성이 시장성과 및 재무성과에 미치는 영향을 검증하였다. 구조방정식 모형을 통해 가설을 검증한 결과 네트워크 역량은 부분적으로 재무성과에 유의미한 영향을 미치는 것으로 나타났으며, 강도, 규모, 다양성 등 네트워크 특성의 모든 하위요인이 재무성과에 영향을 미치는 것으로 나타났다. 또한 네트워크 역량과 네트워크 특성은 시장성과에 부분적으로 유의한 영향을 미치는 것으로 나타났다. 시장성과는 네트워크 역량과 재무성과의 관계에서 부분적으로 매개효과가 있고 네트워크 특성과 재무성과와 관계에서도 부분적으로 매개효과가 있는 것으로 나타났다. 본 연구는 기존 연구와 달리 네트워크 역량과 네트워크 특성이라는 두 가지 요인이 기업 성과에 미치는 영향을 동시에 분석하고, 재무성과의 선행요인으로 인식되고 있는 시장성과의 매개효과를 분석하여 새로운 연구 관점을 제시하였다.

• 가정과삶의질연구
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• 제26권6호
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• pp.1-20
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• 2008

This study investigates the influences of factors such as type and degree of family leisure among parents with five day work weeks on adolescents' perceived family strengths. Its findings are based on questionnaires collected from 525 male and female parents of middle school students. Factor analysis and MANOVA were employed for data analysis and $Scheff{\acute{e}}$ tests for post-hoc analysis. The main findings were as follows. First, adolescents whose parents work five days a week were at a higher level than other adolescents in terms of finances, family ties, communication, and social ties. Second, there were no significant differences concerning adolescents' family strength by type of family leisure. Third, adolescents with more family leisure activities scored higher than others in the areas of manageable strengths, financial levels, family ties, communication, and family social ties. Fourth, among families following the five day working system, adolescents who had more family leisure activities scored higher than the others in regards to manageable strengths, financial levels, family ties, communication, and family social ties. Additionally, where adolescents thought they had fewer family leisure activities, family-oriented adolescents tended to be engaged in higher physical-activity-oriented and hobby-oriented activities in relation to manageable strengths, financial level, family ties, and communication and hobby-oriented adolescents engaged in higher than average amounts of physical-activity, strengthening family social ties in the process. Fifth, concerning families not adhering to the five day working system, adolescents who had more family leisure activities scored higher than others in terms of manageable strengths, financial levels, family ties, communication, and family social ties. As the above results indicate, family leisure activities appear to be a key factor influencing family strength. Therefore, further support should be extended toward developing new forms of family leisure and additional studies should be devoted to the subject.

• 한국콘크리트학회:학술대회논문집
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• 한국콘크리트학회 2005년도 추계 학술발표회 제17권2호
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• pp.687-690
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• 2005

Recently, to consider financial and constructive aspect, usage of Admixture, like Blast- Furnace Slag and Fly-Ash, are increased. These mineral admixtures, a by-product of steel industry, have many advantage, to reduce the heat of hydration, increase in ultimate strength, improve workability and etc. But it also reduces early-age strength, so it is prevented from using of Blast-Furnace Slag at cold-weather-concrete. In this study, for the purpose of increasing usage of mineral admixtures, like Blast-Furnace Slag and Fly ash, it is investigated the strength properties of concrete subjected to under low temperature According to this study, if early curing is carried out before having frost damage, the strength of concrete, subjected to frost damage, is recovered. And to consider increasing effect of strength, it is more effective to use of mineral admixtures, especially to use blast furance slag.

• Journal of Information Processing Systems
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• 제20권1호
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• pp.67-75
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• 2024

In the promotion of Chinese language, the funding that Confucius Institutes can rely on only comes from Hanban. From 2009 to 2014, the number of new Confucius Institutes opened is much higher than before. With the increasing number of Confucius Institutes established in various countries, the funding for promoting Chinese language has limited its development. The development situation of Confucius Institutes in Australia is diversified with very rich experience. The market-oriented development of Confucius Institutes has also tried many times. The Confucius Institutes in the Lancang-Mekong region have less experience but they can learn from various experiences from Australia to provide better ideas and paths for the development of Confucius Institutes in this region and the promotion of Chinese. This paper uses the strength, weakness, opportunity, and threat (SWOT) model to analyze the market feasibility of financial support for the development of Confucius Institutes and makes certain suggestions for the promotion of Chinese language in the Lancang-Mekong region.

• 한국콘크리트학회:학술대회논문집
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• 한국콘크리트학회 2001년도 가을 학술발표회 논문집
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• pp.629-634
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• 2001

Recently, to consider financial and constructive aspect, usage of Admixture, like Blast-Furnace Slag and Fly-Ash, are increased. Also the use of cold-weather-concrete is increased. Blast-furnace Slag, a by-product of steel industry, have many advantage, to reduce the heat of hydration, increase in ultimate strength and etc. But it also reduces early-age strength, so it is prevented from using of Blast-Furnace Slag at cold-weather-concrete. In this study, for the purpose of increasing usage of Blast-Furnace Slag at cold-weather-concrete, it is investigated the strength properties of concrete subjected to frost damage for the cause of early age curing. According to this study, if early curing is carried out before having frost damage, the strength of concrete, subjected to frost damage, is recovered. And that properties is not connected with the frost cause.