• Journal of Korea Society of Industrial Information Systems
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• v.29 no.2
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• pp.119-131
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• 2024

In recent years, there has been a significant growth in loan comparson services offered by fintech platforms in South Korea. However, it has been reported that loan comparison platform users tend to have a higher risk of default compared to non-users. This paper investigates the difference in platform-specific credit risk factors using survival analysis models - Kaplan-Meier curves and Accelerated Failure Time (AFT) model. Our findings show that, relative to non-users, users of loan comparison platforms are characterized by elevated default rates, a greater propensity for home ownership, lower credit scores, and shorter loan durations. Furthermore, our AFT models elucidate the variance in default risk among the various loan comparison service platforms, highlighting the imperative for customized strategies that address the unique risk profiles of customers on each platform.

• Elastomers and Composites
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• v.47 no.1
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• pp.9-17
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• 2012

Herein, life time prediction based on the deterioration of physical properties of chloroprene rubber (CR)aged by heat and seawater was performed. CR samples were experienced an accelerated test at $80^{\circ}C$, $100^{\circ}C$, $120^{\circ}C$ for heat aging, and $40^{\circ}C$, $60^{\circ}C$, $80^{\circ}C$ for seawater aging for 20,000 hrs. The change in tensile strength, maximum elongation,hardness was measured. As a result, the decrease in elongation was a major factor causing failure. The life time estimated using an Arrhenius model was 125 years at $23^{\circ}C$ for thermal aging and 9 years at $23^{\circ}C$ for seawater aging. SEM and elemental analysis reveal that cracks were generated and the content of oxygen was increased for CR agined by seawater. FT-IR spectrum shows the new C-O and C = O bonds were generated by the chemical reaction with seawater. Also, the glass transtion temperature was increased and the thermal decomposition was decreased by seawater aging.

• Childhood Kidney Diseases
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• v.14 no.1
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• pp.32-41
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• 2010

Purpose : Glomerulonephropathy (GN) often manifests as proteinuria and progresses to chronic renal failure without specific therapy. Mesenchymal stem cell (MSC) has been tried as a therapeutic agent in experimental GN, and previous studies showed that administration of MSC concomitantly to the insult inducing GN or via intra-renal administration ameliorated proteinuria. The purpose of this study was to test the therapeutic potential of MSC administered via intravenous route at the time of clinically evident proteinuria. Methods : MSCs were administered intravenously via tail vain into the mice with adriamycin (ADR) induced nephropathy (ADR-GN), two weeks after ADR injection when massive proteinuria was evident. To test the capacity of MSC modulate the cytokine production in the inflammatory milieu, the concentrations of IFN-$\gamma$ and IL-10 were measured in the supernatant of in vitro mixed lymphocyte culture (MLC) with or without additional MSC. Results : MSCs administered intravenously into the proteinuric mice with ADR-GN accelerated the recovery of this experimental GN with disappearance of proteinuria in two weeks when the saline treated (control) mice still showed significant proteinuria. The mice treated with MSC also had a tendency of better survival. Addition of MSC decreased IFN-$\gamma$ and increased IL-10 in the supernatant of MLC. Conclusion : This study showed that MSC had a therapeutic potential even when administered in a more clinically relevant setting into a proteinuric glomerulonephropathy model. Further study to verify the mechanism and long-term safety of this phenomenon is required.