• 제목/요약/키워드: two-stage model

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이단계 일반화 선형모형을 이용한 은행 고객의 연체성향 분석 (Analysis of Household Overdue Loans by Using a Two-stage Generalized Linear Model)

  • 오만숙;오현탁;이영미
    • 응용통계연구
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    • 제19권3호
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    • pp.407-419
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    • 2006
  • 본 연구에서는 최근 몇 년 동안 한국에서 사회적으로 큰 문제가 되고 있는 카드이용 고객의 연체 방지를 위해 기존 금융권을 이용하는 개인에 대한 연체 성향 분석을 수행한다. 연체 성향 분석의 대상은 현재 한국의 한 특정 은행 고객으로 하였으며, 여러 연체 가운데 신용카드 연체를 중심으로 연구하였다. 연체 성향과 요인이 분석되면 기존 은행 고객에 대한 향후 부실의 정도를 예측할 수 있으며 또한 미래의 고객에 대해서도 신용평가 시스템을 만들 수 있을 것이다. 연체 성향 분석을 위한 통계적 방법으로 연체 유/무에 대한 로지스틱 회귀모형을 적용하였고 연체가 있을시 연체금액에 대한 일반화 선형 모형을 적용하여 자료를 적합한 후, 유의한 설명변수들을 선정하여 반응변수와 설명변수들의 관계를 설명해 보았다. 분석 결과 연령, 건당 현금서비스 평균금액, 타사 현금금액, 수신잔액, 순수익이 연체 유무와 연체금액에 중요한 영향을 미치는 설명변수들임을 알 수 있었다.

A New Rijection Algorithm Using Word-Dependent Garbage Models

  • Lee, Gang-Sung
    • The Journal of the Acoustical Society of Korea
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    • 제16권2E호
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    • pp.27-31
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    • 1997
  • This paper proposes a new rejection algorithm which distinguishes unregistered spoken words(or non-keywords) from registered vocabulary. Two kinds of garbage models are employed in this design ; the original garbage model and a new word garbage model. The original garbage model collects all non-keyword patterns where the new word garbage model collects patterns classified by recognizing each non-keyword pattern with registered vocabulary. These two types of garbage models work together to make a robust reject decision. The first stage of processing is the classification of an input pattern through the original garbage model. In the event that the first stage of processing is ambiguous, the new word dependent garbage model is used to classify thye input pattern as either a registered or non-registered word. This paper shows the efficiency of the new word dependent garbage model. A Dynamic Multisection method is used to test the performance of the algorithm. Results of this experiment show that the proposed algorithm performs at a higher level than that of the original garbage model.

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설계 초기 단계에서 BIM 모델과 물리적 모델의 상호작용 방안 (Interaction between BIM Model and Physical Model During Conceptual Design Stage)

  • 이인근;김성아
    • 한국통신학회논문지
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    • 제38C권4호
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    • pp.344-350
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    • 2013
  • 초기 디자인 단계에서 효율적인 디자인 의사결정을 위해서는 지오메트리에 대한 고려가 필수적이다. 하지만 중요한 의사결정은 지오메트리에 대한 효율적 분석이 가능한 BIM모델 보다는 여전히 대화나 물리적 모델, 제스처를 통해 이루어진다. 본 논문은 실시간 BIM분석을 위한 BIM 모델과 물리적 모델의 연동을 제안한다. 두 모델이 실시간으로 연결되는 시스템 프레임워크를 통해 건축가는 디자인 초기 단계에서 부터 BIM 모델을 효율적으로 활용할 수 있다. 이 프레임워크는 건축가들이 설계 초기 단계에서부터 마지막 단계까지 컴퓨터의 기술을 활용한 동적인 의사결정을 가능하게 한다.

2단계 시리얼 시스템의 Fill Rate 만족 방안 (Two-stage Serial Supply Chains under Fill Rate Constraints)

  • 권익현;김성식
    • 한국경영과학회지
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    • 제31권1호
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    • pp.105-115
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    • 2006
  • In this paper, we investigate the problem of minimizing average inventory costs subject to a fill rate constraint in a two-stage serial inventory model with a normally distributed demand. Fill rate is the fraction of demand that is satisfied immediately from on-hand inventory. We first find the lower bounds of base-stock levels in each node by using the exact base-stock level that satisfies a fill rate in a single node model proposed by Sobel. And then, we extensively analyze the system and show that the cost function is convex. Using such convexity and some other useful properties, we can easily find optimal base-stock levels numerically.

The Two-Stage Least Squares Regression of the Interplay between Education and Local Roads on Foreign Direct Investment in the Philippines

  • DIZON, Ricardo Laurio;CRUZ, Zita Ann Escabarte
    • The Journal of Asian Finance, Economics and Business
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    • 제7권4호
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    • pp.121-131
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    • 2020
  • This study aims to investigate the interplay between education and local roads on Foreign Direct Investment (FDI) in the Philippines, using economic growth as an instrument. The study used the quantitative research design applying both descriptive and inferential statistics. A combination of Two Stage Least Square Regression Model and three approaches in Panel Regression Model such as Pooled Least Square, Fixed Effect Model, and Random Effect Model were utilized in order to study the effects of education and local roads on foreign direct investment of the Philippines. Based on Fixed Effect regression results, higher education graduates and local road investments, as conditioned by economic growth, were significant factors in order to increase the foreign direct investment in the Philippines. Accordingly, a unit increase in higher education graduates, as conditioned by economic growth, leads to 8.758 unit increases in the foreign direct investment. While, a unit increased in local road investments, as conditioned by economic growth, leads to a 0.002 decrease in foreign direct investment. The regression results of the study suggest that the Foreign Direct Investment in the regions such as CAR, I, II, IV-B, V, VIII, IX, X, XI, XII, XIII, and ARMM are higher compared to Region IV-A.

FTA협상에서 민간참여의 역할 : 미국, 멕시코, 일본 사례를 중심으로 (The Role of Private Participation in FTA Negotiation : A Case of U.S., Mexico and Japan)

  • 김홍률;정용균
    • 통상정보연구
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    • 제11권3호
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    • pp.363-390
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    • 2009
  • This study investigates the role of private participation in FTA Negotiation in case of US, Mexico and Japan. We utilize Putnam(1988)'s two stage negotiation model, Schelling Conjecture and Principal-Agent(P-A) theory to understand the role of private sector in FTA Negotiation. Those theories are useful to understand the behavior and interaction of key players such as private sector, congress and government in FTA negotiation. Putnam(1988)'s two stage negotiation model divides the FTA negotiation process into two processes: the external negotiation with foreign country and domestic negotiation with domestic interest group. Principal-Agent(P-A) theory provides the theoretical foundation of Putnam's two stage negotiation model, which is that principal's interest is not identical to the interest of Agent. We showed that the private sector and congress play an important role in FTA negotiation in United States. In case of Mexico, the private sector and government occupy the dominant position in FTA negotiation. In particular, the cooperation of industry and government has been successfully established via COECE in Mexico. In contrast to these countries, the role of private participation in trade policy is relatively low in Japan and Korea.

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이단중유연소 버너의 수치해석적 연구 (Flame simulation on the two stage heavy oil combustion)

  • 이승수;김혁주;박병식;김종진;최규성
    • 한국연소학회:학술대회논문집
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    • 한국연소학회 2002년도 제25회 KOSCI SYMPOSIUM 논문집
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    • pp.209-214
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    • 2002
  • Computations were performed to investigate the flow, temperature and pollutants in two stage heavy-oil combustion burner. The burner geometry and flow conditions were provided by a burner company. The goal of the study is to understand combustion phenomena according to each air inlet's velocity, excessive air ratio and air temperature through CFD. Air flow rates at two inlets are adjusted by a damper inside a burner. Here, injection conditions of liquid fuel are kept constant throughout all simulations. This assumption is made in order to limit the complexity of oil combustion though it may cause some disagreement. The final goal of this research is to design a Low-NOx heavy oil combustion burner through comparison between computational study and experimental ones. Besides experiments, simulation works can give us insights into heavy oil combustion and help us design a Low NOx burner while saving time and cost. The computational study is based on k-e model, P-1 radiation model(WSGGM) and PDF, and is implemented on a commercial code, FLUENT.

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엣지 컴퓨팅 환경에서 적용 가능한 딥러닝 기반 라벨 검사 시스템 구현 (Implementation of Deep Learning-based Label Inspection System Applicable to Edge Computing Environments)

  • 배주원;한병길
    • 대한임베디드공학회논문지
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    • 제17권2호
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    • pp.77-83
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    • 2022
  • In this paper, the two-stage object detection approach is proposed to implement a deep learning-based label inspection system on edge computing environments. Since the label printed on the products during the production process contains important information related to the product, it is significantly to check the label information is correct. The proposed system uses the lightweight deep learning model that able to employ in the low-performance edge computing devices, and the two-stage object detection approach is applied to compensate for the low accuracy relatively. The proposed Two-Stage object detection approach consists of two object detection networks, Label Area Detection Network and Character Detection Network. Label Area Detection Network finds the label area in the product image, and Character Detection Network detects the words in the label area. Using this approach, we can detect characters precise even with a lightweight deep learning models. The SF-YOLO model applied in the proposed system is the YOLO-based lightweight object detection network designed for edge computing devices. This model showed up to 2 times faster processing time and a considerable improvement in accuracy, compared to other YOLO-based lightweight models such as YOLOv3-tiny and YOLOv4-tiny. Also since the amount of computation is low, it can be easily applied in edge computing environments.

이단계 지분계획법의 오차제곱합 유도와 그 활용 (Derivation of error sum of squares of two stage nested designs and its application)

  • 김대학
    • Journal of the Korean Data and Information Science Society
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    • 제24권6호
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    • pp.1439-1448
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    • 2013
  • 확률화 블록계획법이나 교차된 이원분류표에 대한 분산분석과 오차제곱합의 성질은 널리 알려져있다. 본 논문에서는 인자에 따른 수준에 또 다른 인자들이 내포되어 있는 지분계획 특히 이단계 지분계획에 대하여 구조적 특징을 설명하고 오차제곱합의 성질에 대하여 살펴보았다. 또한 이단계 지분계획의 활용으로 크로스오버 계획을 소개하고 생물학이나 약학 등의 분야에서 많이 사용되는 동등성 검정의 신뢰구간 구축에 대하여 설명하였고 실제자료와 SPSS 통계 페키지를 이용하여 분석함으로서 응용성을 부각시켰다.

일반화된 2단계 재고체계에서의 최적주문정책 (The Optimal Ordering Policy for the Generalized Two-Stage Inventory System)

  • 정남기;차동원
    • 한국경영과학회지
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    • 제4권1호
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    • pp.25-31
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    • 1979
  • We consider the optimal ordering policy for a single-product two-stage inventory system where the main assumptions are as follows: (i) constant continuous demand only at stage 2, (ii) constant input (production) rate at stage 1, (iii) instantaneous delivery (transportation) from stage 1 to stage 2, (iv) backlogging is allowed only at stage 2, (v) an infinite planning horizon. Costs considered are ordering and linear holding costs at both stages, and linear shortage cost only at stages 2. By solving 9 different case problems, we have observed the general from of the optimal ordering policies for our model which minimizes the total cost per unit time. It is noticeable from this observation that the questionable but more often than not adopted assumption by many authors in determining the optimal potimal policy for multistage inventory systems, that the ordering (lot) sizes at each stage remain constant thruout the planning horizon, is not valid.

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