• Title/Summary/Keyword: Credit Guarantee

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Transformation Behavior of Retained Austenite on Microstructure and Mechanical Properties in Fe-0.7wt%C-2.3wt%Si Steel (Fe-0.7%C-2.3%Si강의 미세조직과 기계적 성질에 미치는 잔류 오스테나이트 변태 거동)

  • Son, Je-Young;Kwon, Do-Young;Kim, Ji-Hun;Kim, Won-Bae;Kim, Hak-Jin;Ye, Byung-Joon
    • Journal of Korea Foundry Society
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    • v.32 no.3
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    • pp.138-143
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    • 2012
  • This steel has been synthesized integrating concepts from Austempering Ductile Cast Iron (ADI) technology. While ADI has excellent mechanical and physical properties, the Young's modules of ADI is approximately 20% lower than steel. In addition, the presence of graphite nodules in ADI can be sites of crack initiation, where fracture takes place at graphite matrix interface. Because of this limitations of ADI, there has been a growing interest in austempered steels as structural materials in resent years. In this investigation, a new steel with microstructure composed of ferrite and austenite and with simultaneous high tensile strength (1,150 MPa) and high ductility (33%) was developed. The goal of this investigation is to obtain a better understanding of deformation and transformation behaviour in high carbon retained austenite(${\gamma}_{HC}$) and over-saturated ferrite(${\alpha}$) during the plastic deformation. A detailed study of the microstructure of this steel was carried out by means of X-ray diffraction (XRD) and electron back scattering diffraction (EBSD) technic. In this way it was shown that BCC phase (BCC) took up the larger part of the nominal strain whereas the a part of retained austenite responded to the mechanincal load by partial martensite transformation, and misorientation change in the retained austenite after plastic strain could be attributed to the large elongation.

A default-rate comparison of the construction and other industries using survival analysis method (생존분석기법을 이용한 건설업과 타 업종간의 부도율 비교 분석)

  • Park, Jin-Kyung;Oh, Kwang-Ho;Kim, Min-Soo
    • Journal of the Korean Data and Information Science Society
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    • v.21 no.4
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    • pp.747-756
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    • 2010
  • With the recent recession, studies on the economy are actively being conducted throughout the industry. Based on the Small Business data registered in the Credit Guarantee Fund, we estimated the survival probability in the context of the survival analysis. We also analyzed the survival time for the construction and the other industries which are distinguished depending on the types of business and assets in the Small Business. The survival probability was estimated by using the life-table and the difference between the survival probabilities for the different types of business was described via the method of the Log-rank test and the Wilcoxon test. We found that the small business with over one billion asset has the highest survival probability and that with less than 1000 million asset showed the similar survival probability. In terms of types of business Wholesale and Retail trade industry and Services were relatively high in the survival probability than Light, Heavy, and the construction industries. Especially the construction industry showed the lowest survival probability. Most of the Small Business tend to increase in the hazard rate over time.

Awareness of Personal Information Protection for Service Users among Small and Mid-Sized Security Companies (중.소민간경비업체의 서비스 이용자 개인정보보호에 관한 인식)

  • Kim, Il Gon;Choi, Kee Nam
    • Convergence Security Journal
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    • v.14 no.3_2
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    • pp.3-12
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    • 2014
  • The government was fully aware of the gravity of a recent massive leak of personal information of credit card users. Meanwhile, the government just took a light disciplinary action by imposing a fine, but it showed its intention to strengthen the regulations by taking the severest disciplinary action. The tightened regulations against personal information leak will be applied to the private security industry without exception to protect individual people's property and lives if such an incident occurs in that industry that deals with a wide variety of personal information such as CCTV data or privacy information all the time. The purpose of this study was to examine the state of the protection and management of personal information for service users among private security firms in an effort to suggest some reform measures. The findings of the study were as follows: First, administrators or managers who are involved with personal information protection should make a full-fledged effort to gather information. Second, counseling or related programs should be provided for small and mid-sized security firms to guarantee thorough personal information protection. Third, Korea Security Association should improve the educational system related to personal information protection to resolve problems with this education currently provided for managers and employees of these companies.

A Sales Promotion Strategy for Casual Korean Traditional Clothes Using Database Marketing (데이터베이스 마케팅을 활용한 생활한복의 구매촉진 방안)

  • 임영미;이은경
    • Journal of the Korean Society of Costume
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    • v.51 no.5
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    • pp.29-43
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    • 2001
  • Database marketing is a series of marketing activities based on the customer database for increasing the customer's life-time value. In this thesis. we applied database marketing to the sales promotional strategies of Casual Korean Traditional Clothes to activate wearing of Casual Korean Traditional Clothes. To achieve this goal, we surveyed the consciousness of wearing and purchases for Casual Korean Traditional Clothes. and extract information that can be utilized in the sales promotional strategies. According to the result, the proposed sales promotional strategies for Casual Korean Traditional Clothes are summarized as follows : (1) Useful information for the customer should be stored in the database and utilized in the marketing. (2) It is necessary to shorten the cycle of repeated purchases by emphasizing daily-life clothing of Casual Korean Traditional Clothes especially for the aged 20-40. (3) Since Casual Korean Traditional Clothes are usually weared as a ceremonial clothes in the fall, direct mail, fashion show, and advertising in the mass media should be concentrated on this season. (4) Value-added marketing should be derived by cross-selling of items harmonized with Casual Korean Traditional Clothes. (5) To guarantee fixed customers and increased usage of Casual Korean Traditional Clothes, - give point score, discount, or selling on an installment basis for the customers who use credit cards or department cards. - select privileged customers by analyzing purchase history and provide multiple services for these customers. - let the customers rent Casual Korean Traditional Clothes in an appropriate cost, and make customer cards for the construction of elaborated customer database. (6) To increase the acknowledgement of Casual Korean Traditional Clothes, not only Persistent publicity, but also fashion show, visual merchandising, and advertisement in mass media should be conducted as well.

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A Comparison of International Standby Practices(98) with Uniform Customs for Practices for Documentary Credits (스탠드바이 신용장통일규칙(信用狀統一規則)(ISP98)과 화환신용장통일규칙(貨換信用狀統一規則)(UCP500)과의 비교연구(比較硏究))

  • Kim, Young-Hoon
    • THE INTERNATIONAL COMMERCE & LAW REVIEW
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    • v.13
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    • pp.657-677
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    • 2000
  • Since January 1, 1999, traders, bankers and their counsels worldwide have available for their use the first set of rules exclusively dealing with standby letters of credit:the International Standby Practices(ISP98). Numerous standbys have alreadby been issued in the United States and worldwide subject to the new ISP. The international banking community is anticipating an increasing demand from their customers to issue ISP-governed undertakings. Before the adoption of ISP, traders and bankers had only the choice of issuing their standby subject to the International Chamber of Commerce's(ICC) Uniform Customs and Practices for Documentary Credits(UCP) and, to a much lesser extent, to the ICC's Uniform Rules for Demand Guarantees(URDG). However, practice showed that UCP rules are not easily adapted to regulate transnational standbys. Indeed, UCP was conceived to govern documentary credits, which are intended to serve as a means of payment. By contrast, standbys are means of guaranty. The core of UCP cannot therefore be appropriate for standby practices and, as a consequence, a number of UCP's provisions have to be excluded in the standby's text. UCP's shortcomings indicated above fulfil the requirements of a key factor for the success of uniform rules. Indeed, to achieve success in the sense of meeting the market's acceptance, any such rules should fill a widely recognized need expressed by merchant community to which such rules are addressed. The ISP cleary has such a vocation. Nonetheless, the already largely encumbered regulatory environment of guarantee devices can hardly go unnoticed. The question therefore arises as to the proper place of ISP in such a context.

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Regional linkages of Producer Service -A Case Study of Chinju Region- (생산자서비스의 지역적 연계 -진주지역을 중심으로-)

  • Kim, Duk-Hyun
    • Journal of the Korean association of regional geographers
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    • v.2 no.1
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    • pp.1-24
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    • 1996
  • This paper is a case study on regional linkages of producer services in Chinju region. Producer service appeared as the most rapid growth sector in service industry. In Chinju region. manufacturing firms purchase generalized producer service within the region. However the higher-order service, they demand; the remoter metropolis especially Seoul, they depend on. Linkage patterns among manufacturing sectors are similar; but then the firms whose managers are from Chinju or Gyeong-nam region had stronger regional linkages than others. Public institute such as Chamber of Commerce & Industry, University Research Institute of Industrial Technology. Korea Technology Credit Guarantee Fund, Korea Silk Research Institute have made important role as suppliers of public producer services in Chinju Region. As present stage, their services of industrial technology, fiancing, and information are not only fit regional demand but also spatially limited within region. The facts that large firms purchase high-order services from other region and small firms have not good demand of producer service suggest regional policy implication about supplying relevant producer service in the region.

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The Effect of Corporate Competency on Smart Factory Acceptance Intention and Management Performance -moderating effect of regional characteristics- (기업역량이 스마트 팩토리 수용의도 및 경영성과에 미치는 영향 -지역특성을 조절변수로-)

  • Kim, Sang-Moon;You, Yen-Yoo
    • Journal of Digital Convergence
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    • v.18 no.9
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    • pp.125-133
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    • 2020
  • This study confirms the impact relationship between the president and employee competency related to smart factory construction of manufacturing SMEs, the acceptance intention and management performance in smart factory construction. The 310 data collected through a questionnaire were tested for research hypotheses through SEM. As a result, the president and employee competency affects the smart factory acceptance intention and the employee competency affects the management performance. Acceptance intention has a positive impact on management performance. Regional characteristics have a moderating effect on the relationship between president competency, acceptance intention, and management performance. Through this study, it was confirmed that the president and employee competency was an important factor in smart factory built.

Risk Evaluation of the Project Finance for Overseas Independent Power Projects Using a Fuzzy Multi-Criteria Decision-Making Analysis (퍼지 다기준 의사결정분석을 통한 해외 독립발전사업 사업금융 리스크 분석)

  • Hur, Kyong-Goo;Kim, Joo-Nam
    • The Journal of the Korea Contents Association
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    • v.17 no.5
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    • pp.574-590
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    • 2017
  • The purpose of this paper is the provision of a decision-making tool for developers to identify the project risks for under-consideration overseas independent power projects (IPPs), and to analyze the priority and importance weights of the risks through the employment of a fuzzy multi-criteria decision-making (MCDM) approach. A fuzzy MCDM is the calculation method for which the imprecision of each respondent's unique opinion is considered. Through the extensive literature surveys that were conducted for this paper, eight major project finance (PF) risks have been derived credit risk, completion risk, market risk, fuel risk, operating risk, financial risk, environmental risk, and force majeure. The empirical results show that the market risk is the most important risk factor in terms of overseas IPPs, thereby confirming that the long-term power purchase agreement (PPA) guarantee of the host country is one of the most important corresponding factors for the PF.

Analysis on Factors Influencing the Achievement of Break-even Point among the Creativity and Skill-based Sole Proprietors (1인 창조기업의 손익분기점 도달 영향요인 분석)

  • Kim, Sun-Young;Lee, Byung-heon
    • Asia-Pacific Journal of Business
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    • v.12 no.1
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    • pp.151-163
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    • 2021
  • Purpose - The break-even point refers to the point where total profit and total cost coincide, and from this point on, the entrepreneur's decision-making takes a different route. Strategic decisions can be made for more efficient operation and eventually for more likelihood for growth and sustainability if a startup figures out when it recoups the investment and switches to a net profit. Design/methodology/approach - 748 creativity and skill-based sole proprietors in manufacturing industry were examined to demonstrate the effect of the entrepreneur's entrepreneurial experience and education level, the business launch preparation time, or the self-financing on the achievement of break-even point. Findings - While the business launch preparation time lowered the likelihood of reaching a break-even point, self-financing increased the likelihood. As a result of further analysis by subdividing into subgroups according to skill level, only the business launch preparation time was statistically significant in the highly skilled industries. In the low skilled industries, in addition to the business launch preparation time, the CEO's education level and the self-financing were statistically significant. Research implications or Originality - The longer the business launch preparation time, the higher the start-up cost, which increases the burden of initial cost recovery, and the agile response to market changes is thereby delayed, resulting in the business idea losing its appeal. Self-financing not only provides stability and strong motivation for the business operation but also promotes careful spending which contributes to the achievement of break-even point. In particular, it is found that practical experience is more useful than theoretical knowledge in low skilled industries. Due to the limitation of secondary data based on the recollection, the time required to reach a break-even point, percentage of financing sources, etc. may include cognitive errors. In addition, variables are not included that explain the characteristics of creativity and skill-based sole proprietorship, so it is necessary to exercise caution with the actual application.

A Study on the controversial Issues of the Private Investigator System (공인탐정제도 도입에 따른 주요 쟁점 논의)

  • Jaemin Lee
    • Journal of the Society of Disaster Information
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    • v.19 no.2
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    • pp.254-261
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    • 2023
  • Purpose: With the diversification of modern society, it is difficult to predict crime types, and the limitations of the state's functions, such as human limitations and lack of budget, are increasing. Method: However, as the number of private investigation companies that do not use illegal means to solve the request increased, attempts were made to introduce a public detective system that would manage and supervise it and compensate for the gap in public power. Result: However, due to the nature of the Private Investigator system, legislation has not progressed as the National Police Agency and the Ministry of Justice are at odds with existing laws that guarantee existing jobs such as lawyers and credit research. Conclusion: Therefore, this study analyzes the bills related to the authorized detective to the National Assembly, examines major issues such as the scope of work of the authorized detective business, the selection of management and supervisory authorities, and suggests ways to improve the successful settlement of the Private Investigator system.