• 한국정보시스템학회지:정보시스템연구
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• 제14권1호
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• pp.41-65
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• 2005

The credit ration is a significant area of financial management which is of major interest to practitioners, financial and credit analysts. The components of credit rating are identified decision models are developed to assess credit rating an the corresponding creditworthiness of firms an accurately ad possble. Although many early studies demonstrate a priori which of these techniques will be most effective to solve a specific classification problem. Recently, a number of studies have demonstrate that a hybrid model integration artificial intelligence approaches with other feature selection algorthms can be alternative methodologies for business classification problems. In this article, we propose a hybrid approach using rough set theory as an alternative methodology to select appropriate attributes for case-based reasoning. This model uses rough specific interest lies in lthe stable combining of both rough set theory to extract knowledge that can guide dffective retrevals of useful cases. Our specific interest lies in the stable combining of both rough set theory and case-based reasoning in the problem of corporate credit rating. In addition, we summarize backgrounds of applying integrated model in the field of corporate credit rating with a brief description of various credit rating methodologies.

• International Journal of Fuzzy Logic and Intelligent Systems
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• 제16권1호
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• pp.44-51
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• 2016

Recently, artificial intelligence has reached the level of top information technologies that will have significant influence over many aspects of our future lifestyles. In particular, in the fields of machine learning technologies for classification and decision-making, there have been a lot of research efforts for solving estimation and control problems that appear in the various kinds of portfolio management problems via data-driven approaches. Note that these modern data-driven approaches, which try to find solutions to the problems based on relevant empirical data rather than mathematical analyses, are useful particularly in practical application domains. In this paper, we consider some applications of modern data-driven machine learning methods for portfolio management problems. More precisely, we apply a simplified version of the sparse Gaussian process (GP) classification method for classifying users' sensitivity with respect to financial risk, and then present two portfolio management issues in which the GP application results can be useful. Experimental results show that the GP applications work well in handling simulated data sets.

• Journal of Information Processing Systems
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• 제17권4호
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• pp.818-833
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• 2021

To address the problems of low precision rate, insufficient feature extraction, and poor contextual ability in existing text sentiment analysis methods, a mixed model account of a CNN-BiLSTM-TE (convolutional neural network, bidirectional long short-term memory, and topic extraction) model was proposed. First, Chinese text data was converted into vectors through the method of transfer learning by Word2Vec. Second, local features were extracted by the CNN model. Then, contextual information was extracted by the BiLSTM neural network and the emotional tendency was obtained using softmax. Finally, topics were extracted by the term frequency-inverse document frequency and K-means. Compared with the CNN, BiLSTM, and gate recurrent unit (GRU) models, the CNN-BiLSTM-TE model's F1-score was higher than other models by 0.0147, 0.006, and 0.0052, respectively. Then compared with CNN-LSTM, LSTM-CNN, and BiLSTM-CNN models, the F1-score was higher by 0.0071, 0.0038, and 0.0049, respectively. Experimental results showed that the CNN-BiLSTM-TE model can effectively improve various indicators in application. Lastly, performed scalability verification through a takeaway dataset, which has great value in practical applications.

• 경영정보학연구
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• 제12권2호
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• pp.75-88
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• 2010

정보기술의 발전과 더불어 기업과 고객간의 대부분의 정보가 축적되면서 기업은 거래고객의 자세한 정보를 활용하여 차별화된 마케팅을 제공할 수 있다. 본 연구는 기업이 제공하는 마케팅 전략을 보다 효과적으로 실행하기 위해 고객을 세분화하고, 세분화된 고객집단별 마케팅 프로모션에 대한 반응을 예측하는 모형을 제시하였다. 고객세분화에는 데이터마이닝 기법 중 SOM(Self-organizing Map)을 적용하였으며, 세분화된 집단별 프로모션 반응예측에는 로짓모형, 신경망 등의 단일모형과 k-최근접이웃법을 이용한 단일모형들의 통합모형을 적용하였다. 제시된 방법론으로 기업은 프로모션에 대한 고객반응을 예측할 뿐만 아니라 프로모션에 대한 반응을 쉽게 예측할 수 있는 고객집단과 반응예측이 어려운 고객집단으로 구분하여 프로모션의 효과를 극대화하고 각 집단에 맞는 프로모션 전략을 수립할 수 있다.

• 한국정보시스템학회지:정보시스템연구
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• 제27권2호
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• pp.1-28
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• 2018

Purpose More than 7.6 million mobile apps could be approved on both Apple iTunes Store and Google Play. For managing those existed Apps, Apple Inc. established twenty-four primary categories, as well as Google Play had thirty-three primary categories. However, all of their categorizations have appeared more and more problems in managing and classifying numerous apps, such as app miscategorized, cross-attribution problems, lack of categorization keywords index, etc. The purpose of this study focused on introducing individual information cognitive processing as the classification criteria to update the current categorization on Apple iTunes Store. Meanwhile, we tried to observe the effectiveness of the new criteria from a classification process on Apple iTunes Store. Design/Methodology/Approach A research approach with four research stages were performed and a series of mixed methods was developed to identify the feasibility of adopting individual information cognitive processing as categorization criteria. By using machine-learning techniques with Term Frequency-Inverse Document Frequency and Singular Value Decomposition, keyword lists were extracted. By using the prior research results related to car app's categorization, we developed individual information cognitive processing. Further keywords extracting process from the extracted keyword lists was performed. Findings By TF-IDF and SVD, keyword lists from more than five thousand apps were extracted. Furthermore, we developed individual information cognitive processing that included a categorization teaching process and learning process. Three top three keywords for each category were extracted. By comparing the extracted results with prior studies, the inter-rater reliability for two different methods shows significant reliable, which proved the individual information cognitive processing to be reliable as criteria of categorization on Apple iTunes Store. The updating suggestions for Apple iTunes Store were discussed in this paper and the results of this paper may be useful for app store hosts to improve the current categorizations on app stores as well as increasing the efficiency of app discovering and locating process for both app developers and users.

• 한국경영정보학회:학술대회논문집
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• 한국경영정보학회 2007년도 International Conference
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• pp.619-624
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• 2007

본 연구는 유전 알고리듬에 기반한 새로운 도산예측기법을 개발하고 그 기법의 타당성 및 예측 우수성을 검증하는데 목적이 있다. 본 연구에서 제안하는 이진분류기법은 도산기업과 비도산기업을 대표할 수 있는 가상기업(virtual company)을 설정하고, 그 가상기업과 분류대상 기업 간의 유사도를 측정하여 도산여부를 분류하는 방법론으로, 가상기업의 변수 값과 각 변수의 가중치는 훈련용 자료의 분류정확도를 극대화할 수 있도록 유전 알고리듬을 이용하여 구하게 된다. 본 연구에서 제안하는 기법의 타당성을 검증하기 위해 기존의 도산예측기법과 예측성과를 실험을 통해 비교한 결과, 본 연구에서 개발한 기법의 예측력이 기존의 다변량판별분석, 로지스틱 회귀모형, 의사결정나무, 인공신경망 모형보다 높은 수준을 보이는 것을 확인하였다.

• 한국IT서비스학회지
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• 제3권2호
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• pp.1-8
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• 2004

Recently, most managers of Small & Medium Enterprises(SMEs) think that all problem of a company is solved if only implementation of ERP or e-business. But it's too risky. Technology of IT is developing so radical, so managers didn't have enough time to consider what system is appropriate in their business process and how implement information system is when they establish Information System. This Study addresses the present Information System that operating and needed for SMEs based on the Value Chain of IS. Thus through the prediction on the consequence of IS implementation, we could cut down unnecessary investment cost and support core competence of a company. Next time, the study on the classification of more detail IS associated in SME's performance is required.

• 한국전자거래학회지
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• 제25권1호
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• pp.203-214
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• 2020

최근 들어 기술개발 현황, 신규기술 분야 출현, 기술융합과 학제 공동연구, 기술의 트렌드 변화 등을 파악하기 위해 R&D 과제정보, 특허와 같은 기술문서의 분류정보가 많이 활용되고 있다. 이러한 기술문서를 분류하기 위해 주로 텍스트마이닝 기법들이 활용되어 왔다. 그러나 기존 텍스트마이닝 방법들로 기술문서를 분류하기 위해서는 기술문서들을 대표하는 특징들을 직접 추출해야 하는 한계점이 있다. 따라서 본 연구에서는 딥러닝 기반의 BERT모델을 활용하여 기술문서들로부터 자동적으로 문서 특징들을 추출한 후, 이를 문서 분류에 직접 활용하는 모델을 제안하고, 이에 대한 성능을 검증하고자 한다. 이를 위해 텍스트 기반의 국가 R&D 과제 정보를 활용하여 BERT 기반 국가 R&D 과제의 중분류코드 예측 모델을 생성하고 이에 대한 성능을 평가한다.

• 한국경영과학회지
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• 제22권3호
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• pp.163-173
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• 1997

Although numerous studies demonstrate that one technique outperforms the others for a given data set, it is hard to tell a priori which of these techniques will be the most effective to solve a specific problem. It has been suggested that the better approach to classification problem might be to integrate several different forecasting techniques by combining their results. The issues of interest are how to integrate different modeling techniques to increase the predictive performance. This paper proposes the post-model integration method, which tries to find the best combination of the results provided by individual techniques. To get the optimal or near optimal combination of different prediction techniques, Genetic Algorithms (GAs) are applied, which are particularly suitable for multi-parameter optimization problems with an object function subject to numerous hard and soft constraints. This study applies three individual classification techniques (Discriminant analysis, Logit model and Neural Networks) as base models for the corporate failure prediction. The results of composite predictions are compared with the individual models. Preliminary results suggests that the use of integrated methods improve the performance of business classification.

• 제어로봇시스템학회:학술대회논문집
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• 제어로봇시스템학회 2005년도 ICCAS
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• pp.1379-1383
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• 2005

Introducing the market into the electricity industry lets the multiple participants get into new competition. These multiple participants of the market need new business strategies for providing value added services to customer. Therefore they need the accurate customer information about the electricity demand. Demand characteristic is the most important one for analyzing customer information. In this study load profile data, which can be collected through the Automatic Meter Reading System, are analyzed for getting demand patterns of customer. The load profile data include electricity demand in 15 minutes interval. An algorithm for clustering similar demand patterns is developed using the load profile data. As results of classification, customers are separated into several groups. And the representative curves for the groups are generated. The number of groups is automatically generated. And it depends on the threshold value for distance to separate groups. The demand characteristics of the groups are discussed. Also, the compositions of demand contracts and standard industrial classification in each group are presented. It is expected that the classified curves will be used for tariff design, load forecasting, load management and so on. Also it will be a good infrastructure for making a value added service related to electricity.