• 제목/요약/키워드: 구체신용

검색결과 34건 처리시간 0.027초

The Effects of in Vehicle Watching TV on Driver Behavior (운전 중 TV시청이 운전행동에 미치는 영향)

  • Sin, Yong-Gyun;Im, Pyeong-Nam;Gang, Su-Cheol;Ryu, Jun-Beom
    • Journal of Korean Society of Transportation
    • /
    • 제24권3호
    • /
    • pp.103-112
    • /
    • 2006
  • For recent innovation of If technology and the beginning of Digital Multimedia Broadcasting (DMB) service, it has been dramatically increased to setup TV system in a car for watching TV and receiving traffic Information. Watching TV while driving would distract a driver s cognitive and visual attention as eating food, operating the radio, using a cell phone. However, there is paucity of empirical researches and it is uncertain how watching TV in driving impacts on the driver's cognition in the concrete. Therefore, we surveyed domestic drivers on the attitude watching TV while driving as well as conducted experiments through a driving simulator. Especially, we recruited two groups of participants to explore the effects of watching TV on driving behavior. The result proved that the participants who watched TV while their driving had relatively narrower the attention span than the Participants who did not watch TV. Also, those who watched TV drove with less stability and more urgent operations of the brake and accelerator than those who did not watched TV Finally, we discussed limitations and implications of the study.

Effectiveness of Public Credit Guarantee System and Its Coexistence with Market-based Finance Schemes (공적보증의 효과성과 시장기반 금융제도와의 공존)

  • Noh, Yong-Hwan;Hong, Jaekeun
    • The Journal of Small Business Innovation
    • /
    • 제19권3호
    • /
    • pp.1-16
    • /
    • 2016
  • Korean government had used public 'credit guarantee schemes' (CGS) as a counter-cyclical measure. However, it is still controversial about the effectiveness of policy financing on the SMEs. Criticism on policy financing involves the argument that supporting enterprises hampers competition and innovation of SMEs by increasing their dependence on the government and delays the exit of marginal firms. In this paper, we investigate how to effectively build up the rationale of running public CGSs. At the same time, we propose the ways to coexist of public credit guarantee and market-based private finance system for SMEs. First, CGS, as a counter-cyclical function, must coexist with the private financial system by compensating the market failure caused by pro-cyclical behavior of the private financial market. Second, CGS has the comparative advantages, compared to both the interest rate policy of the central bank and fiscal policy of the government. The credit guarantee is the symptomatic treatment that could revitalize the economy shortly by providing liquidity. Also, knowing that CGS is provided based on the leverage ratio defined by outstanding guarantee divided by capital fund, public 'credit guarantee' (CG) has an advantage that is free from the risk of government deficit. Third, the reason for existence of the CGS should be founded in supporting services for SMEs, available only in a public sector that is difficult to expect from private banks. In this regard, it is desirable to strengthen the publicness of credit guarantee over the support for start-ups, growing companies, the improvement of productivity, increase of exports, a long-term investment in facilities, the employment-creating businesses, and innovative enterprises.

  • PDF

The effect of operating telematics device in vehicle on driver behaviors (운전중 텔레매틱스 장치 사용이 운전행동에 미치는 영향)

  • Sihn, Yong-Kyun;Ryu, Jun-Beom
    • Journal of Korean Society of Transportation
    • /
    • 제26권6호
    • /
    • pp.39-47
    • /
    • 2008
  • With dramatic development of IT technology and start of DMB service, installing the DMB equipment in a vehicle for watching TV programs and literal or pictorial traffic information are increasing. Watching the DMB during driving the vehicle could cause visual and cognitive distraction to drivers as much as eating food, operating radio and using mobile phone. However, there is not much empirical research for this topic and no research examined the effect of watching the DMB on driving behaviors in Korea. So, the present study examined the effect of watching the DMB on the driving behaviors with car simulator experiment. Within subject design was used in the study. That is, all subjects drove the vehicle both in the watching DMB condition and the non-watching DMB condition. The results indicated that subjects in the watching DMB condition took longer time to arrive at the destination and operated accelerator and brake pedal rapidly than subjects in the non-watching DMB condition. That is, their overall driving stability was lower than non-watching subjects'. Additionally, we examined the difference among the DMB control conditions (i.e., keypad condition, touch-pad condition and remote controller condition) in the driving behaviors. Finally, we discussed the limitations and the implications of the present study.

Who Gets Government SME R&D Subsidy? Application of Gradient Boosting Model (Gradient Boosting 모형을 이용한 중소기업 R&D 지원금 결정요인 분석)

  • Kang, Sung Won;Kang, HeeChan
    • The Journal of Society for e-Business Studies
    • /
    • 제25권4호
    • /
    • pp.77-109
    • /
    • 2020
  • In this paper, we build a gradient Boosting model to predict government SME R&D subsidy, select features of high importance, and measure the impact of each features to the predicted subsidy using PDP and SHAP value. Unlike previous empirical researches, we focus on the effect of the R&D subsidy distribution pattern to the incentive of the firms participating subsidy competition. We used the firm data constructed by KISTEP linking government R&D subsidy record with financial statements provided by NICE, and applied a Gradient Boosting model to predict R&D subsidy. We found that firms with higher R&D performance and larger R&D investment tend to have higher R&D subsidies, but firms with higher operation profit or total asset turnover rate tend to have lower R&D subsidies. Our results suggest that current government R&D subsidy distribution pattern provides incentive to improve R&D project performance, but not business performance.

A Study on the Demand Estimation of the Crew in Domestic Coastal Shipping Industry (연안해운 선원인력 수요예측에 관한 연구)

  • Park, Sung-Jin;Pai, Hoo-Seok;Shin, Yong-John
    • Journal of Navigation and Port Research
    • /
    • 제36권3호
    • /
    • pp.205-213
    • /
    • 2012
  • This study focused on the supply-demand and training system of the crew for domestic coastal shipping. First of all, it forecasted the prospect and effect in the future of the crew supply-demand through the analysis to the current situation of crew employment and the internal and external environment changes. Next, it suggested the specific role and alternatives of government, industry and educational institutions after the comparison and examination of the sailor policies among Korea and major shipping countries. In regard to the demand of crew manpower in coastal shipping, it figured out the bottoms and the current circumstances of sailors, and it could anticipate the future demand by the gradational approach. According to the findings, firstly the result of this simulation by the changes of the ship numbers demonstrated that the demand over the next 10 years will be 7,890~8,025 in the case of the growth 0.4%, and 7,894~8,063 in 0.5%. Secondly, assuming the growth 0.1~1%, the result illustrated that the demand will come to 7,879~8,258. This means the fact that the additional manpower has to be input to 20~430 annually from now on. To conclude, this study showed the more rational numbers about the supply-demand than the past researches and displayed the systematic approach to supply and train the crew in domestic coastal shipping.

Indebtedness and Mental Health - Focusing on Depressive Symptoms and Suicidal Ideation - (가계부채가 정신건강에 미치는 영향 - 우울감과 자살생각을 중심으로 -)

  • Park, Jung Min;Oh, Uk Chan;Gu, Sea Juang
    • Korean Journal of Social Welfare
    • /
    • 제69권2호
    • /
    • pp.171-190
    • /
    • 2017
  • This study examined the impact of indebtedness on depressive symptoms and suicidal ideation. The data came from the 4th to 10th waves of the Korea Welfare Panel Study, collected from 2009 to 2015. Analyses were conducted using logistic regression for longitudinal data that combines the fixed effects and random effects approaches. The results show that a high level of indebtedness substantially increased the risk of depressive symptoms. The household leverage ratio-the ratio of total household debt to disposable personal income-of 400% or higher increased the odds of probable depression by 50% compared with the ratio under 100%. When the percentage of personal income that goes toward paying debt is 30% or higher, the odds of probable depression went up by 66% than when the percentage of debt payment of disposal income is under 10%. The findings suggest that debt relief agencies and their programs need to incorporate means to identify and address emotional stress related to the excessive debt. This study also contributed to enriching the literature on social determinants of health by demonstrating that indebtedness is an important socioeconomic characteristic affecting individuals' mental health.

  • PDF

The Legal Issues of Private Investigation Service in WTO/FTA System : Study of South Korea (WTO/ FTA 체제에서 민간조사업의 법적문제)

  • Ko, Ji-Hoon;Park, Hyeon-Ho
    • Korean Security Journal
    • /
    • 제27호
    • /
    • pp.161-195
    • /
    • 2011
  • As crimes have increased to an extent that the police cannot cope with, there have been continuous discussions for the introduction of Private Investigation (hereafter PI) in Korea. However, attempts to legislate for the introduction of PI have failed every time PI bills for the introduction of PI were proposed. This was fundamentally because arguments both for and against the introduction of PI were sharply divided depending on the priorities. However, regardless of those clash of views, an apparent need for the legislation of PI service has arisen. As Korea opens its service market to other countries through GATS and FTAs, currently existing domestic PI law has been found to be inconsistent with international agreements such as GATS and KOREA-US(KORUS) FTA. This paper found that the Act on Usage and Protection of Credit Information which regulates PI service is inconsistent with the Article 12.4(a)(i) and (iii) of KORUS FTA and the Article 7.11 and the Article 7.13 of KOREA-EU FTA. If Korea does not modify the existing laws and establish new laws in relation to PI, such inconsistencies could lead to international trade disputes which could amount to billions of dollars. In this regard, the passage of the PI bill is necessary.

  • PDF

Study on Economic and Financial Education for the North Koreans after Unification: from the Perspective of Behavioral Economics (통일 후 북한 주민 대상 경제금융 교육에 관한 연구: 행태경제학 관점을 중심으로)

  • Son, Jeong-Kook;Kim, Young-Min
    • The Journal of the Convergence on Culture Technology
    • /
    • 제7권2호
    • /
    • pp.239-246
    • /
    • 2021
  • Unification means the change of the economic system from 'Planned Economy' of the North Korea to 'Market Economy' of the South Korea. Therefore, it may cause confusions and difficulties for North Koreans who have been under planned economy for ages. So, we need to take the perspective of behavioral economics for the effective education. First of all, it is about overall finance, which contains the record of financial transactions, effect of inflation, investors' bounded rationality, and choice difficulty of financial products. Second, it is about borrowings, which includes the credit management, interest rate of difference among financial institutions. Third, it is about investment on financial products, which includes the effect of cost on returns, difference between compound interest and simple interest, trade-off between expected return and risk, market and non-market risks, the importance of diversification, and passive & aggressive investments.

Fake News Detection on YouTube Using Related Video Information (관련 동영상 정보를 활용한 YouTube 가짜뉴스 탐지 기법)

  • Junho Kim;Yongjun Shin;Hyunchul Ahn
    • Journal of Intelligence and Information Systems
    • /
    • 제29권3호
    • /
    • pp.19-36
    • /
    • 2023
  • As advances in information and communication technology have made it easier for anyone to produce and disseminate information, a new problem has emerged: fake news, which is false information intentionally shared to mislead people. Initially spread mainly through text, fake news has gradually evolved and is now distributed in multimedia formats. Since its founding in 2005, YouTube has become the world's leading video platform and is used by most people worldwide. However, it has also become a primary source of fake news, causing social problems. Various researchers have been working on detecting fake news on YouTube. There are content-based and background information-based approaches to fake news detection. Still, content-based approaches are dominant when looking at conventional fake news research and YouTube fake news detection research. This study proposes a fake news detection method based on background information rather than content-based fake news detection. In detail, we suggest detecting fake news by utilizing related video information from YouTube. Specifically, the method detects fake news through CNN, a deep learning network, from the vectorized information obtained from related videos and the original video using Doc2vec, an embedding technique. The empirical analysis shows that the proposed method has better prediction performance than the existing content-based approach to detecting fake news on YouTube. The proposed method in this study contributes to making our society safer and more reliable by preventing the spread of fake news on YouTube, which is highly contagious.

Exploring Future Signals for Mobile Payment Services - A Case of Chinese Market - (모바일 결제 서비스에 대한 미래신호 예측 - 중국시장을 대상으로 -)

  • Bin Xuan;Seung Ik Baek
    • Journal of Service Research and Studies
    • /
    • 제13권1호
    • /
    • pp.96-107
    • /
    • 2023
  • The objective of this study is to explore future issues that Chinese users, who have the highest mobile payment service usage rate in the world, will be most interested in. For this purpose, after collecting text data from a Chinese SNS site, it classifies major keywords into 4 types of future signals by using Keyword Emergence Map (KEM) and Keyword Issue Map (KIM). Furthermore, to understand the four types of signals in detail, it performs the qualitative analysis on text related to each signal keyword. As a result, it finds that the strong signal, which is rapidly growing in keyword appearance frequency during this research period, includes the keywords related to the daily life of Chinese people, such as buses, subways, and household account books. Additionally, it find that the signal that appears frequently now, but with a low increase rate, includes various services that can replace cash payment, such as hongbao (cash payment) and bank cards. The weak signal and latent signal, which appear less often than other two signals, includes the keywords related to promotion events or changes in service regulations. Its result shows that the mobile payment services greatly have changed user's daily life beyond providing convenience. Furthermore, it shows that, in the Chinese market, in which card payment is not common, the mobile payment services have the great potential to completely replace cash payment.