• Title/Summary/Keyword: 문제 은행

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Impact of Agile Leadership and Organizational Justice on Job Commitment in Finance Sales (Agile Leadership과 조직 공정성이 금융 Sales 종업원의 직무 몰입에 미치는 영향)

  • Ha, You-jin;Kang, Shin-gi
    • Journal of Venture Innovation
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    • v.6 no.3
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    • pp.203-220
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    • 2023
  • This study conducted an empirical analysis of the factors affecting the job commitment of employees within a financial sales organization, focusing particularly on agile leadership and organizational justice. Agile leadership was subdivided into four components: adaptability, collaboration promotion, proficiency, and an agile approach, whereas organizational justice was broken down into distributive justice, procedural justice, and interactional justice. Data were gathered through an online survey, and 245 valid responses were subjected to hierarchical regression analysis. The results revealed a significant positive effect of distributive justice, interactional justice, adaptability, promotion of collaboration, and an agile approach on job commitment among the employees of the financial sales organization. However, the influence of proficiency, a component of agile leadership, and procedural justice, a dimension of organizational justice, did not prove to be statistically significant. The order of influence among the significant variables was found to be: adaptability, interactional justice, promotion of collaboration, distributive justice, and an agile approach. These findings confirmed the impact of agile leadership in financial sales organizations, traditionally viewed as conservative, and suggested practical implications for the financial sector to adapt in anticipation of the Fourth Industrial Revolution.

Feasibility of Deep Learning Algorithms for Binary Classification Problems (이진 분류문제에서의 딥러닝 알고리즘의 활용 가능성 평가)

  • Kim, Kitae;Lee, Bomi;Kim, Jong Woo
    • Journal of Intelligence and Information Systems
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    • v.23 no.1
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    • pp.95-108
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    • 2017
  • Recently, AlphaGo which is Bakuk (Go) artificial intelligence program by Google DeepMind, had a huge victory against Lee Sedol. Many people thought that machines would not be able to win a man in Go games because the number of paths to make a one move is more than the number of atoms in the universe unlike chess, but the result was the opposite to what people predicted. After the match, artificial intelligence technology was focused as a core technology of the fourth industrial revolution and attracted attentions from various application domains. Especially, deep learning technique have been attracted as a core artificial intelligence technology used in the AlphaGo algorithm. The deep learning technique is already being applied to many problems. Especially, it shows good performance in image recognition field. In addition, it shows good performance in high dimensional data area such as voice, image and natural language, which was difficult to get good performance using existing machine learning techniques. However, in contrast, it is difficult to find deep leaning researches on traditional business data and structured data analysis. In this study, we tried to find out whether the deep learning techniques have been studied so far can be used not only for the recognition of high dimensional data but also for the binary classification problem of traditional business data analysis such as customer churn analysis, marketing response prediction, and default prediction. And we compare the performance of the deep learning techniques with that of traditional artificial neural network models. The experimental data in the paper is the telemarketing response data of a bank in Portugal. It has input variables such as age, occupation, loan status, and the number of previous telemarketing and has a binary target variable that records whether the customer intends to open an account or not. In this study, to evaluate the possibility of utilization of deep learning algorithms and techniques in binary classification problem, we compared the performance of various models using CNN, LSTM algorithm and dropout, which are widely used algorithms and techniques in deep learning, with that of MLP models which is a traditional artificial neural network model. However, since all the network design alternatives can not be tested due to the nature of the artificial neural network, the experiment was conducted based on restricted settings on the number of hidden layers, the number of neurons in the hidden layer, the number of output data (filters), and the application conditions of the dropout technique. The F1 Score was used to evaluate the performance of models to show how well the models work to classify the interesting class instead of the overall accuracy. The detail methods for applying each deep learning technique in the experiment is as follows. The CNN algorithm is a method that reads adjacent values from a specific value and recognizes the features, but it does not matter how close the distance of each business data field is because each field is usually independent. In this experiment, we set the filter size of the CNN algorithm as the number of fields to learn the whole characteristics of the data at once, and added a hidden layer to make decision based on the additional features. For the model having two LSTM layers, the input direction of the second layer is put in reversed position with first layer in order to reduce the influence from the position of each field. In the case of the dropout technique, we set the neurons to disappear with a probability of 0.5 for each hidden layer. The experimental results show that the predicted model with the highest F1 score was the CNN model using the dropout technique, and the next best model was the MLP model with two hidden layers using the dropout technique. In this study, we were able to get some findings as the experiment had proceeded. First, models using dropout techniques have a slightly more conservative prediction than those without dropout techniques, and it generally shows better performance in classification. Second, CNN models show better classification performance than MLP models. This is interesting because it has shown good performance in binary classification problems which it rarely have been applied to, as well as in the fields where it's effectiveness has been proven. Third, the LSTM algorithm seems to be unsuitable for binary classification problems because the training time is too long compared to the performance improvement. From these results, we can confirm that some of the deep learning algorithms can be applied to solve business binary classification problems.

Modeling of Vegetation Phenology Using MODIS and ASOS Data (MODIS와 ASOS 자료를 이용한 식물계절 모델링)

  • Kim, Geunah;Youn, Youjeong;Kang, Jonggu;Choi, Soyeon;Park, Ganghyun;Chun, Junghwa;Jang, Keunchang;Won, Myoungsoo;Lee, Yangwon
    • Korean Journal of Remote Sensing
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    • v.38 no.5_1
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    • pp.627-646
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    • 2022
  • Recently, the seriousness of climate change-related problems caused by global warming is growing, and the average temperature is also rising. As a result, it is affecting the environment in which various temperature-sensitive creatures and creatures live, and changes in the ecosystem are also being detected. Seasons are one of the important factors influencing the types, distribution, and growth characteristics of creatures living in the area. Among the most popular and easily recognized plant seasonal phenomena among the indicators of the climate change impact evaluation, the blooming day of flower and the peak day of autumn leaves were modeled. The types of plants used in the modeling were forsythia and cherry trees, which can be seen as representative plants of spring, and maple and ginkgo, which can be seen as representative plants of autumn. Weather data used to perform modeling were temperature, precipitation, and solar radiation observed through the ASOS Observatory of the Korea Meteorological Administration. As satellite data, MODIS NDVI was used for modeling, and it has a correlation coefficient of about -0.2 for the flowering date and 0.3 for the autumn leaves peak date. As the model used, the model was established using multiple regression models, which are linear models, and Random Forest, which are nonlinear models. In addition, the predicted values estimated by each model were expressed as isopleth maps using spatial interpolation techniques to express the trend of plant seasonal changes from 2003 to 2020. It is believed that using NDVI with high spatio-temporal resolution in the future will increase the accuracy of plant phenology modeling.

Minimum Wage and Productivity: Analysis of Manufacturing Industry in Korea (최저임금과 생산성: 우리나라 제조업의 사례)

  • Kim, Kyoo Il;Ryuk, Seung Whan
    • Economic Analysis
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    • v.26 no.1
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    • pp.1-33
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    • 2020
  • Recent discussions about a minimum wage increase (MWI) and its influence on the economy have mainly focused on the quantitative aspects, such as labor costs and employment. However, concerning the qualitative aspects, an MWI could have positive effects by enhancing firm productivity and crowding out marginal firms from the market. These positive effects of an MWI can offset, to some extent, its potential negative effects - increasing labor costs and decreasing employment, among others. In this regard we empirically examine the impact of an MWI on firm productivity (total factor productivity). Using firm level panel data from the manufacturing industry in Korea, we calculate the influence rates of a minimum wage by sector and by firm size (number of workers), and analyze its effects on firm productivity. In particular, the production functions of the firms are estimated by taking into account endogeneity among the input factors, in order to resolve the drawbacks of existing studies - underestimating the capital factor coefficient and overestimating the labor factor coefficient. This study finds that the influences of an MWI on wages, employment, and productivity are substantially different across sectors and firm sizes. While an MWI has shown to have positive influences on productivity growth in the manufacturing industry as a whole, each sector demonstrates a different direction of effect, and the degree of productivity change also varies by sector. The impacts of an MWI on firm productivity are generally estimated to be more negative for smaller firms, but in some sectors the effects are found to be positive. In addition, the wage increases resulting from an MWI seem to cause a productivity enhancement across all sectors in the manufacturing industry. The policy implications of this study are as follows. Considering the empirical findings that an MWI causes an increase in productivity in many sectors of the manufacturing industry, it would be desirable to take into consideration not only the negative side effects but also the positive effects of an MWI when designing any future minimum wage policy. Moreover, in spite of there being a uniform minimum wage, this study finds that the diverse influence rates of a minimum wage across firms have different impacts on wages, employment, and productivity across sectors or firm size. This finding could be conducive to discussions about differentiation among minimum wage schemes by sector or firm size.

Yearly Update of the List of Plant Diseases in Korea (6.2 Edition, 2024) (한국식물병명목록의 연간 현황 보고(6.2판, 2024년 개정본))

  • Jaehyuk Choi;Seon-Hee Kim;Young-Joon Choi;Gyoung Hee Kim;Ju-Yeon Yoon;Byeong-Yong Park;Hyun Gi Kong;Soonok Kim;Sekeun Park;Chang-Gi Back;Hee-Seong Byun;Jang Kyun Seo;Jun Myoung Yu;Dong-Hyeon Lee;Mi-Hyun Lee;Bong Choon Lee;Seung-Yeol Lee;Seungmo Lim;Yongho Jeon;Jaeyong Chun;Insoo Choi;In-Young Choi;Hyo-Won Choi;Jin Sung Hong;Seung-Beom Hong
    • Research in Plant Disease
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    • v.30 no.2
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    • pp.103-113
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    • 2024
  • Since 2009, the Korean Society of Plant Pathology has established the Committee on Common Names of Plant Disease to systematically review and determine plant disease names and related terminologies. The committee published the 6th edition of the List of Plant Diseases in Korea (LPDK) in 2022, and the list has been made publicly accessible online. The online database has significantly enhanced user accessibility, expedited update processes, and improved interoperability with other databases. As a result, the 6.1 edition of the list was released by online LPDK in 2023, detailing new disease names added over the preceding year and revisions to existing names. Subsequently, in 2024, the 6.2 edition was published, encompassing 6,765 diseases caused by 2,503 pathogen taxa across 1,432 host species. The public release of the online database has, however, introduced several challenges and tasks. Addressing these issues necessitates the development of modern, standardized nomenclature guidelines and a robust system for the registration of new disease names. Open communication and collaboration among the diverse members of the Korean Society of Plant Pathology are required to ensure the reliability of the LPDK.

The Design of Messaging System for Prescription Data Interchange (처방전달을 위한 메시징시스템의 설계)

  • 김동호;류근호;손현준
    • Proceedings of the Korea Society for Industrial Systems Conference
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    • 1999.12a
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    • pp.209-218
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    • 1999
  • 처방전달시스템은 처방의 수행은 의사가, 그에 따른 의약품조제는 약사가 수행함으로써 의약품의 오․남용을 방지하기 위한 의약분업의 실시에 따른 국민불편의 최소화와 약화사고에 따른 인증문제 등을 지원하기 위한 정보시스템이다. 처방전달시스템은 환자 개인정보의 허용된 범위 내에서의 공유와 공유를 위한 각종 개인정보 보호장치, 처방의 안전한 전달을 위한 내용의 비밀보장과 위변조방지 및 송신자와 수신자의 인증을 위한 장치가 필수적으로 필요하다. 또한 자료의 생명주기 측면에서 본다면, 처방전의 생성은 병․의원에서 이루어지며 소멸은 약국 및 환자에의해 이루어진다. 자료의 유통과정에 살펴보면 처방전달시스템의 주요성공요인은 정보의 생산자인 병․의원(의사)의 적극적인 정보제공의지와 이를 지원하는 편리한 정보시스템의 구축이라고 할 수 있다. 정보의 생산자인 병․의원 정보시스템 환경은 다양하고 복잡하기 때문에 기존의 애플리케이션을 이용하면서 처방의 전송을 위해서는 기존 애플리케이션 및 플랫폼에 독립적이며 자료의 적합한 취합과 통합이 가능하도록 지원하는 시스템이 필요하다. 처방전달 메시징시스템은 이러한 복합적인 정보시스템 환경을 지원하며 동시에 처방정보의 안전한 전달을 위해 플랫폼으로 실행될 수 있는 시스템을 말한다. 또한 처방의 비교적 짧은 생명주기와 지역적 생산, 유통구조를 적합하게 지원하기 위해 지역별 독립시스템의 구축과 공통정보 활용을 위한 중앙시스템과의 역할분담 모델에 근거한 분산시스템의 구축이 요구된다. 본 연구에서의 처방전달 메시징시스템은 일반적인 메시지서비스의 특성을 기본으로 자료전달을 위해 자료 암호화와 복호화, 송신자와 수신자에 대한 인증 및 자료접근 제한기능을 제공하며 각 클라이언트와 서버간의 실시간 연결 혹은 지연연결을 지원하는 독립적인 애플리케이션이다. 이러한 처방전달 메시징시스템을 구성하는 각 요소에 대해 정의하고 개념적 모델을 설계하고자 한다.에게 청구되며, 소비자에게 전송 되는 청구서는 사용자DB를 참조하여 사용자가 미리 정의한 원하는 형태로 변환되어 전달되며, 필요시 암호화 과정을 거치는 것이 가능해야 한다. 전송된 청구서는 전자우편의 경우, 암호해독이 가능한 전용 브라우저를 통해 열람 되며, 이는 다시 전용 브라우저를 통해 지불인증이 승인되어 청구 제시서버에게 전송된다. EBPP 시스템의 제어 흐름은 크게 기업이 청구 정보를 소비자에게 제시하는 흐름과 소비자의 지불 승인으로 인해 기업이 은행에 지불을 요구하는 흐름으로 구분할 수 있다. 본 논문에서는 통합 청구서버 및 정구 제시서버의 역할 및 구성 요소들에 대해 서술하고, EBPP 시스템과 연동하여야 하는 메일 서버와의 상호 작용에 대해 서술할 것이다. 본 시스템을 아직 구현이 되지 않은 관계로 시스템의 성능 등의 수치적 결과를 제시할 수 없는 상태다., 취약계층을 위한 일차의료, 의약관리), ${\circled}2$ 보건소 조직 개편 및 민간의료기관과 협력체계 확립, ${\circled}3$ 전문인력 확보 및 인력구성 조정, 그리고 ${\circled}4$ 방문보건사업의 강화 등이다., 대사(代謝)와 관계(關係)있음을 시사(示唆)해 주고 있다.ble nutrient (TDN) was highest in booting stage (59.7%); however no significant difference was found among other stages. The concentrations of Ca and P were not different among mature stages. According to these results, the yellow ripe period is appropriate to harvest the whole crop rice for forage considering dry matter yields,

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The Economic Impacts of Marine Bio-energy Development Project (해양바이오에너지 개발사업의 경제적 파급효과)

  • Kim, Tae-Young;Jin, Se-Jun;Park, Se-Hun;Pyo, Hee-Dong
    • Journal of Energy Engineering
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    • v.22 no.2
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    • pp.184-196
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    • 2013
  • We need to develop new renewable energy that could fundamentally replace fossil fuel, since the volume of economy and industry of our time becomes uncontrollably enormous. One of the alternative is to develop energy based on marine biomass, which would meet environment and energy needs at the same time. The marine bio-energy productions is supposed to occupy 50% to 500 million TOE in bio-energy production that is based on the Korean 3rd new renewable energy technology development, utilization, supply plan until 2030. This study attempts to apply input-output analysis to investigating the economic impacts of marine bio-energy development project in the Korean national economy. More specifically, this study shows what national economy effect of production-inducing effect, value-added inducing effect, employment-inducing effect, and R&D-inducing effect are explored with demand-driven model. Furthermore, this study attempts to define and classify the marine bio-energy development project sector from I-O table. Also, this study pays particular attention to marine bio-energy development project by taking the industry as exogenous specification and then investigating its economic impacts. The Marine bio-energy development project case 223 billion won, production-inducing effect, value-added inducing effect, and employment-inducing effect are 312 billion won, 87 billion won, 1,151 persons, and 5 billion won respectively. These quantitative information can be usefully utilized in the policy-making for the industrialization of marine bio-energy development project.

Electronic-Composit Consumer Sentiment Index(CCSI) development by Social Bigdata Analysis (소셜빅데이터를 이용한 온라인 소비자감성지수(e-CCSI) 개발)

  • Kim, Yoosin;Hong, Sung-Gwan;Kang, Hee-Joo;Jeong, Seung-Ryul
    • Journal of Internet Computing and Services
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    • v.18 no.4
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    • pp.121-131
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    • 2017
  • With emergence of Internet, social media, and mobile service, the consumers have actively presented their opinions and sentiment, and then it is spreading out real time as well. The user-generated text data on the Internet and social media is not only the communication text among the users but also the valuable resource to be analyzed for knowing the users' intent and sentiment. In special, economic participants have strongly asked that the social big data and its' analytics supports to recognize and forecast the economic trend in future. In this regard, the governments and the businesses are trying to apply the social big data into making the social and economic solutions. Therefore, this study aims to reveal the capability of social big data analysis for the economic use. The research proposed a social big data analysis model and an online consumer sentiment index. To test the model and index, the researchers developed an economic survey ontology, defined a sentiment dictionary for sentiment analysis, conducted classification and sentiment analysis, and calculated the online consumer sentiment index. In addition, the online consumer sentiment index was compared and validated with the composite consumer survey index of the Bank of Korea.

A Study on Information Access Control Policy Based on Risk Level of Security Incidents about IT Human Resources in Financial Institutions (금융IT인력의 보안사고 위험도에 기반한 정보접근 통제 정책 연구)

  • Sim, Jae-Yoon;Lee, Kyung-Ho
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.25 no.2
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    • pp.343-361
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    • 2015
  • The financial industry in South Korea has witnessed a paradigm shift from selling traditional loan/deposit products to diversified consumption channels and financial products. Consequently, personification of financial services has accelerated and the value of finance-related personal information has risen rapidly. As seen in the 2014 card company information leakage incident, most of major finance-related information leakage incidents are caused by personnel with authorized access to certain data. Therefore, it is strongly required to confirm whether there are problems in the existing access control policy for personnel who can access a great deal of data, and to complement access control policy by considering risk factors of information security. In this paper, based on information of IT personnel with access to sensitive finance-related data such as job, position, sensitivity of accessible data and on a survey result, we will analyze influence factors for personnel risk measurement and apply data access control policy reflecting the analysis result to an actual case so as to introduce measures to minimize IT personnel risk in financial companies.

Handwritten Korean Amounts Recognition in Bank Slips using Rule Information (규칙 정보를 이용한 은행 전표 상의 필기 한글 금액 인식)

  • Jee, Tae-Chang;Lee, Hyun-Jin;Kim, Eun-Jin;Lee, Yill-Byung
    • The Transactions of the Korea Information Processing Society
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    • v.7 no.8
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    • pp.2400-2410
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    • 2000
  • Many researches on recognition of Korean characters have been undertaken. But while the majority are done on Korean character recognition, tasks for developing document recognition system have seldom been challenged. In this paper, I designed a recognizer of Korean courtesy amounts to improve error correction in recognized character string. From the very first step of Korean character recognition, we face the enormous scale of data. We have 2350 characters in Korean. Almost the previous researches tried to recognize about 1000 frequently-used characters, but the recognition rates show under 80%. Therefore using these kinds of recognizers is not efficient, so we designed a statistical multiple recognizer which recognize 16 Korean characters used in courtesy amounts. By using multiple recognizer, we can prevent an increase of errors. For the Postprocessor of Korean courtesy amounts, we use the properties of Korean character strings. There are syntactic rules in character strings of Korean courtesy amounts. By using this property, we can correct errors in Korean courtesy amounts. This kind of error correction is restricted only to the Korean characters representing the unit of the amounts. The first candidate of Korean character recognizer show !!i.49% of recognition rate and up to the fourth candidate show 99.72%. For Korean character string which is postprocessed, recognizer of Korean courtesy amounts show 96.42% of reliability. In this paper, we suggest a method to improve the reliability of Korean courtesy amounts recognition by using the Korean character recognizer which recognize limited numbers of characters and the postprocessor which correct the errors in Korean character strings.

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