• Title/Summary/Keyword: 위험 평가 및 관리

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Loan Portfolio Management of Korean Financial Institutions (국내금융기관의 대출포트폴리오 관리기법)

  • 김희경
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.1 no.1
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    • pp.91-100
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    • 2000
  • In 1997 the recession of Korean economy brought about the bankruptcy of large corporations and the large size of non-Performing financial assets which led to IMF financial crisis. One of the major reasons for IMF financial crisis was poor loan management of domestic financial institutions . During the restructuring process of financial institutions since the IMF financial crisis, the importance of the loan management has been recognized. Especially. financial institutions' credit allocation had been concentrated on a few big conglomerates and their subsidies as well as some specific business areas. Hence, risk-diversifying portfolio effects were not reflected in any loan portfolios. The IMF financial crisis in 1997 has clearly showed that credit-risk management is essential not only for individuals' loan but also for portfolios consisting of various loans The main objective of this paper is to provide some suggestions on the direction for financial institutions in Korea to improve their loan portfolio management. Particularly, for the effective management of loan portfolios, this paper introduces quantitative credit-risk management schemes such as KMV models and CreditMetrics which are commonly used in financial institutions in advanced countries. Financial institutions in Korea should make their best efforts to establish a more scientific as well as quantitative loan portfolio management.

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Application of Empirical Life Loss method : Cheongju-si in Korea (경험적 인적피해 평가기법 적용 : 청주시를 대상으로)

  • Hong, Seung Jin;Kim, Gil Ho;Choi, Cheon Kyu;Kim, Kyung Tak
    • Proceedings of the Korea Water Resources Association Conference
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    • 2019.05a
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    • pp.186-186
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    • 2019
  • 국내에서 자연재난의 대부분을 차지하는 홍수는 매년 반복되어 인명과 재산상의 막대한 손실을 유발하고 있다. 이러한 피해 중 인적피해를 최소화하기 위한 방재계획 및 정책수립이 우선되어야 하지만 적용성 측면에서 미진한 부분이 있는 것이 현실이다. 본 연구는 인적피해 평가를 지원하기 위해 피해실적에 근거한 경험적 인적피해 평가기법을 개발하였다. 또한, 해당기법의 적용성을 평가하기 위해 2017년 청주시 호우피해를 기준으로 적용성 검증을 실시하였다. 인적피해의 경우 인명과 이재민 피해를 동시에 고려하였으며, 인적피해를 위해 기본적으로 노출위험인구와 인적피해 발생확률을 기반으로 하였다. 노출위험인구의 경우 침수구역도와 집계구를 기준으로 계층화된 인구 인벤토리를 이용한 GIS 공간분석 결과로부터 결정된다. 그리고 인적피해 발생확률은 행정안전부의 국가재난관리시스템 내 피해이력, 재해연보 및 한국국토정보공사에서 제공받은 침수흔 적도를 토대로 침수등급과 인구계층을 구분하여 제시하였다. 본 연구를 통해 제시된 보다 효율적이고 정밀한 인적피해 평가 방법이 위험지구 결정, 자연재난 리스크 모델링, 방재사업 대안결정, 예산배분 등의 실무와 학술적 접근에 있어 활발히 활용되길 기대한다.

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A Risk Analysis Methodology for Information Systems Security Management (정보시스템 보안관리를 위한 위험분석 방법론)

  • 이문구
    • Journal of the Institute of Electronics Engineers of Korea CI
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    • v.41 no.6
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    • pp.13-22
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    • 2004
  • This study proposes a risk analysis methodology for information system security management in which the complexity on the procedure that the existing risk analysis methodology is reduced to the least. The proposed risk analysis methodology is composed of 3 phases as follows: beforehand processing phase, counter measure setting phase, post processing phase. The basic risk analysis phase is a basic security management phase in which fixed items are checked when the information security system is not yet established or a means for the minimum security control is necessary for a short period of time. In the detailed risk analysis phase, elements of asset a vulnerability, and threat are analysed, and using a risk degree production table produced from these elements, the risk degree is classified into 13 cases. In regard to the risk, the 13 types of risk degree will execute physical, administrative, and technical measures through ways such as accepting, rejecting, reducing, and transferring. Also, an evaluation on a remaining risk of information system is performed through a penetration test, and security policy set up and post management phase is to be carried out.

Development of Railway Tunnel Fire Risk Assessment Program and its Application (철도터널 화재 위험도 평가 프로그램의 개발 및 적용사례)

  • Yoon, Sungwook;Park, Jong-heoun
    • Journal of Korean Society of societal Security
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    • v.2 no.1
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    • pp.57-64
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    • 2009
  • With the increase in construction of long railway tunnel, social interest in the railway tunnel fire risk has also increased. However, quantitative fire risk research on this topic is still lacking, especially in terms of consideration of uncertainty of each variables used in risk analysis. Hence, in this study, to improve the overall performance of fire risk analysis technique for railway tunnel, Monte-Carlo simulation method is added to the traditional probabilistic risk analysis based on event tree approach and its validity is investigated by applying it to the real railway tunnel project.

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A study on the assessment of wildland fire hazard through statistic examination and calorie analysis according to the geographical distribution of vegetation (통계적 고찰과 수목분포에 따른 열량분석을 통한 산림화재 위험성 평가에 관한 연구)

  • 김광일;김동현
    • Fire Science and Engineering
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    • v.14 no.3
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    • pp.27-32
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    • 2000
  • The assessment of wildland fire hazard is the first priority to be considered in the prevention, extinction and control of wildland fire. For the standard to measure wildland fire hazard, the wildland fire Warning System is currently being used in Korea which computes the wildland fire occurrence hazard index through a stick weight to moisture conversion formula. It shows the risk of fuel substance being exposed to fire by meteorological factors. For a comprehensive assessment of wildland fire hazards by area, the major factors'hazards need to be measured and the assessment of wildland fire needs to be conducted through historical statistic examination. Therefore, the wildland (ire outbreak frequency and its seriousness of damage are analyzed through historical statistic examination to conduct the assessment of a wildland fire hazard, and then the calorific value of a forest is analyzed through differential scanning calorimeter measurement which assesses the comparative calorific hazard according to the geographical distribution of vegetation.

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