• International Commerce and Information Review
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• v.13 no.1
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• pp.179-196
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• 2011

This study aims to measure the relative importance of trade insurance using AHP developed by Thomas Saaty of Pennsylvania in early 1970s. Moreover, it provides help in the development of a comprehensive strategy of trade insurance. To obtain priority of trade insurance in its functions, this study discovered significance and relative importance of two evaluation standards and four individual evaluation items. Of the two evaluation standards, importance of credit exposure was 63%. It was discovered that it was more important than political means (37%). Of the four individual evaluation items, importance of banking supplementation was 60%. It was more important than credit investigation of overseas traders (40%). Importance of trade promotion policy was 69%, which was more important than removal of anxiety in trade (31%). As a result of comparing priorities of the f tire evaluation items, priority of banking supplementation was 38% followed by trade promotion policy means (26%), credit investigation of overseas traders (25%) and removal of anxiety in trade (12%).

• The Korean Journal of Applied Statistics
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• v.19 no.3
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• pp.407-419
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• 2006

In this paper, we analyze household overdue loans in Korea which has been causing serious social and economical problems. We consider customers of Bank A in Korea and focus on overdue cash services which have been snowballing in the past few years. From analysis of overdue loans, one can predict possible delays for current customers as well as build a credit evaluation and risk management system for future customers. As a statistical analytical tool, we propose a two-stage Generalized Linear regression Model (GLM) which assumes a logistic model for presence/non-presence of overdue and a gamma model for the amount of overdue in the case of overdue. We perform goodness of fit test for the two-stage model and select significant explanatory variables in each stage of the model. It turns out that age, the amount of credit loans from other financial companies, the amount of cash service from other companies, debit balance, the average amount of cash service, and net profit are important explanatory variables relevant to overdue credit card cash service in Korea.

• Asian Journal of Business Environment
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• v.8 no.1
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• pp.23-29
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• 2018

Purpose - The purpose of this research is to make a comparative assessment of People Credit Funds (PCFs) ranking in Vietnam between the Circular No. 42/2016/TT-NHNN dated December 20, 2016 with the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank. Research design, data, and methodology - This study is mainly based on the Circular No. 42/2016/TT-NHNN dated December 20, 2016 and the Decision No. 14/2007/QD-NHNN dated 09/4/2007 issued by the Governor of the State Bank on PCFs ranking. Results - The study paper has shown positive changes in PCFs ranking in Vietnam in accordance with the Circular No. 42/2016/TT-NHNN, such as increasing Capital Adequacy Ratio (CAR), maintaining CAR, improving assets quality, developing indicators of governance, management and control capability. These changes have implications for the development and efficient performance of PCFs in Vietnam. Conclusions - The classification and evaluation of PCFs will contribute to its healthy development. These finding support PCFs to understand more about rating methodology, significance of rating system and the importance of improving their rating. PCFs in Vietnam desire to develop their business effectively, they need to understand exactly and comply fully with regulations related to their field of operations.

• Journal of Korea Entertainment Industry Association
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• v.15 no.1
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• pp.99-115
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• 2021

The aim of this study is to improve the curriculum of the physical education by recognizing the necessity of new physical education to meet the needs of the sports industry. As a preliminary study for this, the subjects of physical education at American universities and those at regular domestic universities have been investigated. Then, the current state of operation of the physical education system of the credit bank system has been investigated. The first is the definition of the credit banking system, the investigation of accreditation of credits and the institutions of education and training. The Second is the investigation of the educational goals and qualifications of each major in the standard education curriculum and the current status of accredited credits. The third is the type and operation of institutions by degree in physical education, and the survey on current majors in progress. The fourth is the survey on the current status of operating institutions by region. The fifth is the classification of detailed subjects by major and the survey on the status of subjects by major. The last is the detailed subjects by major, and the analysis of the consistent or similar subjects in domestic and international sports industry subjects. Through the findings of this investigation, the following directions for improvement of the credit bank system curriculum have been suggested. Firstly, it is necessary to newly establish major courses tailored to social change. Secondly, it is necessary to develop mandatory and optional courses that meet the needs of the times. Thirdly, it is necessary to increase courses centered on field training that can meet the needs of the sports industry. Fourthly, in relation to the evaluation and recognition of the credit banking system, the conclusion have been derived that institutional improvement should be urgently performed.

• Journal of Practical Engineering Education
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• v.13 no.2
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• pp.271-281
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• 2021

This study aimed to investigate the perception of education consumers about the vocational high school credit system. The researcher analyzed the survey data collected from students, parents, and teachers of vocational high schools located in the A metropolitan city, and a total of 981 responses were analyzed: 541 students, 261 parents, and 179 teachers. One-way ANOVA and χ² test were performed using IBM SPSS 21. The results are as follows. First, in all responses of perception of the vocational high school credit system, the mean difference between groups was statistically significant, and differences between teachers-students, and teachers-parents were found. Second, the mean difference between groups in the need for early graduation in curriculum implementation was statistically significant, and the mean of students was higher than that of parents and teachers. Third, the mean difference between groups in teachers' use of multiple teaching methods under class management and evaluation was statistically significant, and the means of parents and teachers were higher than that of students.

• Knowledge Management Research
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• v.21 no.3
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• pp.229-247
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• 2020

In the remarkable growth of P2P financial platform in the field of knowledge management, only companies with big data and machine learning technologies are surviving in fierce competition. The ability to analyze borrowers' credit is most important, and platform companies are also recognizing this capability as the most important business asset, so they are building a credit evaluation system based on artificial intelligence. Nonetheless, online P2P platform providers that offer related services only act as intermediaries to apply for investors and borrowers, and all the risks associated with the investments are attributable to investors. For investors, the only way to verify the safety of investment products depends on the reputation of P2P companies from newspaper and online website. Time series information such as delinquency rate is not enough to evaluate the early stage of Korean P2P makers' credit analysis capability. This study examines the credit analysis procedure of P2P loan platform using artificial intelligence through the case analysis method for well known the top three companies that are focusing on the credit lending market and the kinds of information data to use. Through this, we will improve the understanding of credit analysis techniques through artificial intelligence, and try to examine limitations of credit analysis methods through artificial intelligence.

• Smart Media Journal
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• v.5 no.4
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• pp.18-25
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• 2016

Virtualized hardware resources provides efficiency in use and easy of management. Based on the benefits, virtualization techniques are used to build large server clusters and cloud systems. The performance of a virtualized system is significantly affected by the virtual machine scheduler. However, the existing virtual machine scheduler have a problem in that the I/O response is reduced in accordance with the scheduling delay becomes longer. In this paper, we introduce the Loan/Redemption mechanism of a virtual machine scheduler in order to improve the responsiveness to I/O events. The proposed scheme gives additional credits for to virtual machines and classifies the task characteristics of each virtual machine by analyzing the credit consumption pattern. When an I/O event arrives, the scheduling priority of a virtual machine is temporally increased based on the analysis. The evaluation based on the implementation shows that the proposed scheme improves the I/O response 60% and bandwidth of virtual machines 62% compared to those of the existing virtual machine scheduler.

• Management & Information Systems Review
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• v.35 no.3
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• pp.173-193
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• 2016

The aim of this paper is to extend the TOPSIS(Technique for Order Preference by Similarity to Ideal Solution) to the fuzzy environment for solving the disaster recovery priority decision problem in credit bureau business information system. In this paper, the rating of each information systems and the weight of each criterion are described by linguistic terms which can be expressed in trapezoidal fuzzy numbers. Then, a vertex method is proposed to calculate the distance between two trapezoidal fuzzy numbers. According to the concept of the TOPSIS, a closeness coefficient is defined to determine the ranking order of all information systems. The combination between the fuzzy set and TOPSIS brings several benefits when compared with other approaches, such that the fuzzy TOPSIS require few fuzzy judgements to parameterization, which contributes to the agility of the decision process, it does not limit the number of alternatives simultaneously evaluated, and it does not cause the ranking reversal problem when a new alternative is included in the evaluation process. This paper is demonstrated with a real case study of a credit rating agency involving 9 evaluation criteria and 9 credit bureau business information systems assessed by 6 evaluators, and provide the systematic disaster recovery framework for BCP(Business Continuity Planning) to practitioner. Finally, this paper show that the procedure of the proposed fuzzy TOPSIS method is well suited as a decision-making tool for the disaster recovery priority decision problem in credit bureau business information system.

• Journal of Korean Home Economics Education Association
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• v.32 no.1
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• pp.15-34
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• 2020

The purpose of this study was to examine the secondary school technology and home economics teachers' perception of the school curriculum organization and high school credit system. For this purpose, the questionnaire data of 345 secondary technology and home economics teachers nationwide were analyzed through descriptive statistics, t-test, and F-test with SPSS 24. The research results were as follows. First, technology and home economics teachers recognized that current schools lacked the time to organize technology and home economics curriculum (61.1%) and the number of teachers (53%). Most of them have participated (62.0%) and were very willing to participate in the school curriculum organization (4.47, 89.9%). Second, technology and home economics teachers were aware of the high school credit system more than the average (3.34), and more negative (52.8%) than positive (37.7%). As a positive influence, students recognized career choices (3.88) and deepened professional content in their major fields (3.81). On the other hand, the negative impact was the decrease in choice due to non-entry subjects (3.90) and the difficulty in moving teachers to school (3.57). Third, in order to stably respond to the introduction of high school credit system, technology and home economics teachers recognized the importance of coordinating career elective courses (4.51), developing and disseminating teaching and learning materials for elective courses (4.46), separating technology and home economics (4.45), and providing training on evaluation methods and applications (4.44). This study would be useful to provide the basic information and data for the future development of technology and home economics curriculum at the national level based on high school credit system.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.9 no.6
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• pp.47-64
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• 2014

Considering the network externality and spill-over effects, this paper constructs the theoretical model for analyzing the financial policies focusing on the credit guarantee system for Creative Economy, which has been set as the new policy paradigm for the Korean Economy. The analytical results show that it is as much as important to improve the efficiency of the financial markets and construct the infrastructure for reducing the information asymmetry problem which would be more serious in the creative finance. Although it is important to fill the gap due to the market failure it is also crucial to construct the appropriate financial schemes for the various stages of the innovative firms growth. Without these, the impacts of current public funding policies may crowd out the amount of private market funds for the innovative firms or reduce the possibility of commercialization of new technologies in these firms. Based on the evaluation of current related public policies from the perspectives of creative finance, we imply that the current financial policies appear to be quantity oriented not the quality based. Although the policy goals would be appropriately set for vitalizing the Creative Economy in Korea, they appear to be still unsuccessful to address the information asymmetry issue which is the major concern in vitalizing the creative economy. Thus we emphasize the market friendly policies, risk-sharing between the various market participants, revitalizing the relationship banking and efficient management of credit guarantee system in Korea based on the analytical model as well as the evaluation of related policies regarding the creative economy.