• TTA Journal
• /
• s.49
• /
• pp.12-18
• /
• 1997

• Korea Information Processing Society Review
• /
• v.8 no.2
• /
• pp.47-53
• /
• 2001

• The Journal of Information Systems
• /
• v.6 no.1
• /
• pp.63-79
• /
• 1997

최근 들어 급격하게 변화하는 금융환경과 우수고객을 확보하려는 금융기관의 치열 해짐에 따라 금융기관의 대출업무의 전문성과 중요성이 더욱 증대되고 있다. 본 연구에서는 대출 업무에 있어 복잡하고 전문적인 지식이 요구되는 기업신용평가 과정에 전문가시스템을 적용하여 이를 실제 상황에 활용하여 봄으로써 대출 의사결정과정의 정확성과 신뢰성을 증 가시키고자 하는데 초점을 맞추고 있다. 실제적용을 위하여 25개의 중소/대기업으로 데이터 를 수집, 적용하여 시스템을 평가하였다.

• Proceedings of the Korean Information Science Society Conference
• /
• 2001.04a
• /
• pp.814-816
• /
• 2001

최근 무선 인터넷 사용이 보편화됨에 따라 인터넷 비즈니스가 장소의 제약 없이 이루어지고 무선 전자상거래가 일상적으로 발생하고 있다. 이러한 무선 전자상거래가 이루어질 때 노출되기 쉬운 사용자 신용정보를 보호하기 위한 보안 기능이 필요하다. 본 논문은 WAP 스택에서 이동 단말기와 WAP 게이트웨이간의 통신에 보안 기능을 제공하는 계층인 WTLS의 클라이언트 구조를 설계하는데, 이는 암호화 처리와 이벤트 처리 등을 위한 여러 모듈과 테스트 프로그램으로 구성된다.

• Proceedings of the Optical Society of Korea Conference
• /
• 2001.02a
• /
• pp.70-71
• /
• 2001

컴퓨터와 통신의 발달로 개인의 정보와 신용이 중요시됨에 따라 여권, 신용카드 등과 같은 각종 신분증을 많이 이용함에 따라 프린터, 스캐너, 또는 복사기 등을 이용한 이들의 복제가 늘고 있다. 이를 억제하기 위해 디지털 및 광학적 위조 방지 시스템에 대한 연구가 활발하다. 현재 엠보싱(embossed) 홀로그램이 부착된 각종 신용카드와 여권이 사용되고 있으나 이는 광세기 검출기를 이용하면 마스터 홀로그램 합성 및 대량복제가 가능하다. (중략)

• Journal of Industrial Convergence
• /
• v.21 no.6
• /
• pp.1-11
• /
• 2023

The purpose of this study is to verify the factors affecting corporate bankruptcy by using non-financial information of companies invested by credit guarantee institutions. In this study, 594 companies (525 normal companies, 69 insolvent companies) invested in by the Korea Credit Guarantee Fund from March 2014 to the end of December 2022 were selected as samples. Non-financial information of companies was divided into founder characteristics information, company characteristics information, and corporate investment information, and cross-analysis and logistic regression analysis were conducted. As a result of the cross-analysis, personal credit rating, industry, and joint investment were selected as significant variables, and logistic regression analysis was conducted for those variables, and two variables, personal credit rating and joint investment, were selected as important factors for bankruptcy. In business management, the founder's personal credit and the importance of joint investment in investment support were found out. It will help to minimize bankruptcy if institutions that support investment in SMEs reflect these results in their screening and systematically build cooperative relationships with private investment institutions. It is hoped that this study will provide an opportunity to pay more attention to the factors that affect the bankruptcy of companies that receive direct investment from public institutions.

• KDI Journal of Economic Policy
• /
• v.27 no.1
• /
• pp.39-79
• /
• 2005

This paper addresses the question of whether a monopolistic banking system can lead to a higher steady state level of capital stock. Information externality has enhanced as the advance of the financial system such as the establishment of the credit bureau system, networking, etc. Hence this paper aims to analyze the effects of both information externality and economic development on the determination of the optimal banking market structure. This paper shows that the presence of information externality together with asymmetric information would explain how a monopoly bank leads to a higher steady state level of capital stock. It also shows that not only under-developed countries but industrialized countries may also benefit from a concentrated banking system. This analysis provides an alternative explanation of the recent deregulation and resulting trends in mergers and acquisitions. This also provides a theoretical foundation to support governments' policy changes toward promoting merger and acquisition activities.

• International Commerce and Information Review
• /
• v.15 no.2
• /
• pp.25-47
• /
• 2013

In China, the commercial bank credit financing is the most important external financing channel for SMEs. However, the lack of credit guarantee significantly deters commercial banks to finance SMEs. which may generate a negative impact on the trade activities of SME in China. In this paper we examine the risk of credit guarantee for SMEs financing and the factors affecting this risk through a VAR (Value-at-Risk) model. Our analysis shows that the scale of enterprises' impact on the VAR (risk of financing guarantee) is not much relevant. We also find that the certainty of financing for SMEs, such as the fixed asset ratio, has a significant and negative effect on the VAR of Chinese credit guarantee institutions. The product uniqueness is positively correlated with the VAR, and operation risk is also positively related to the credit risk of Chinese credit guarantee institutions.

• International Commerce and Information Review
• /
• v.15 no.1
• /
• pp.259-283
• /
• 2013

In this study has been suggested on the basis of the Court of Audit's report on trade insurance issues presented and the Export Credit Guarantee Insurance Improvement. First, the improvement insurance underwriting standards and come up with measures to improve the soundness of the insurance fund trading. In order to do this, (1) warranty for a lower credit companies strengthen underwriting standards, (2) raise short-term solvency and the accuracy of financial statements Review criteria Borrowings calculated based, (3) trustee companies Warranty Terms for improvement, (4) for closure of businesses quickly take measures of bond conservation measures. Second, through improved risk management measures to strengthen risk management for export credit guarantees are to be provided.

• Journal of KIISE:Computing Practices and Letters
• /
• v.16 no.6
• /
• pp.693-697
• /
• 2010

In current e-commerce system, it happens that client's confidential information such as credit card numbers, pin numbers, or digital certificate may pass through a web proxy server or an altered proxy server without client's awareness. Even though the confidential information is encrypted and sent through SSL(Secure Sockets Layer) or TLS(Transport Layer Security) protocol, it can be exposed to the risk of sniffing by the digital certificate forgery at the proxy server, which is called the SSL MITM(Man-In-The-Middle) Proxy attack. In this paper, current credit card web-payment systems, which is weak at proxy information alternation attack, are analyzed. A resolution with certificate proxy server is also proposed to prevent the MITM attack.