• Title/Summary/Keyword: Credit evaluation system

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An Evaluation Study of Creativity Environmental Characteristics on Middle School of Subject Classroom System in Busan (부산시 교과교실제 운영 중학교의 창의환경특성 평가 연구)

  • Yeo, Ji-Yeon;Lee, Tae-Kyung
    • Journal of the Architectural Institute of Korea Planning & Design
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    • v.35 no.12
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    • pp.65-74
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    • 2019
  • The whole world is emphasizing 'creativity' as the core competence of the future society that global talents should have in the 21st century. Korea is also actively promoting the development of creative and convergent talents by recognizing these times and social needs. It is also required to improve the physical environment, which is an essential condition of education. As a result, the curriculum is being implemented as an institutional method for creative education since 2009, and there is a need for continuous research for effective operation of the curriculum system in relation to the establishment of the facilities of credit school system introduced from 2022 to be. The purpose of this study is to evaluate the indoor environment from the viewpoint of creative environment and to suggest the improvement direction for the improvement of the satisfaction of the education space for the students. The subjects of this study were three middle schools operated by the advanced classroom in Busan Metropolitan City. The results of this study were as follows; First, the satisfaction of autonomy and sociality was relatively high and the satisfaction of comfort was the lowest among the characteristics of creative environment. Second, it was found out that a priority should be given to ways to enhance sociality in space so as to support smooth communication and interaction between teachers, students, and students in the environmental plan for creative classroom classroom.

Development of 'Healthy Couple Relationship' Curriculum in High School Based on Backward Design (백워드 디자인에 기반한 고등학교 '건강한 커플관계' 교육과정(안) 개발)

  • Yu, In-Young;Park, Mi-Jeong
    • Journal of Korean Home Economics Education Association
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    • v.31 no.3
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    • pp.1-21
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    • 2019
  • The purpose of this study is to develop a 'Healthy Couple Relationship' curriculum(plan) for high school home economics based on backward design. In this study, the content elements of 'Healthy Couple Relationship' were extracted through literature analysis, and the need for contents of 'Healthy Couple Relationship' was surveyed in 197 families of home economics teachers and 154 high school students. Based on this, the 'Healthy Couple Relationship' curriculum(plan) of high school home economics curriculum was developed as the backward design, and it was verified by the expert group. The results are as follows: First, when measured on a 5-point Likert scale, the mean scores of the need for content elements of 'Healthy Couple Relationship' was 4.39 for teachers, and 4.02 for students, respectively. The content elements of 'understanding dating violence' was 4.70 for teachers and 4.19 for students. Second, the developed 'Healthy Couple Relationship' curriculum consists of two templates, one for each unit, including curriculum goals, unit composition and unit goals, 8 learning subjects and content elements, evaluation plans including 24 lesson plans. In this study, it is meaningful to propose a "Healthy Couple Relationship" curriculum as an elective course in high school home economics curriculum in preparation for the high school credit system, and to lay the foundations for opening elective courses.

Machine learning-based corporate default risk prediction model verification and policy recommendation: Focusing on improvement through stacking ensemble model (머신러닝 기반 기업부도위험 예측모델 검증 및 정책적 제언: 스태킹 앙상블 모델을 통한 개선을 중심으로)

  • Eom, Haneul;Kim, Jaeseong;Choi, Sangok
    • Journal of Intelligence and Information Systems
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    • v.26 no.2
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    • pp.105-129
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    • 2020
  • This study uses corporate data from 2012 to 2018 when K-IFRS was applied in earnest to predict default risks. The data used in the analysis totaled 10,545 rows, consisting of 160 columns including 38 in the statement of financial position, 26 in the statement of comprehensive income, 11 in the statement of cash flows, and 76 in the index of financial ratios. Unlike most previous prior studies used the default event as the basis for learning about default risk, this study calculated default risk using the market capitalization and stock price volatility of each company based on the Merton model. Through this, it was able to solve the problem of data imbalance due to the scarcity of default events, which had been pointed out as the limitation of the existing methodology, and the problem of reflecting the difference in default risk that exists within ordinary companies. Because learning was conducted only by using corporate information available to unlisted companies, default risks of unlisted companies without stock price information can be appropriately derived. Through this, it can provide stable default risk assessment services to unlisted companies that are difficult to determine proper default risk with traditional credit rating models such as small and medium-sized companies and startups. Although there has been an active study of predicting corporate default risks using machine learning recently, model bias issues exist because most studies are making predictions based on a single model. Stable and reliable valuation methodology is required for the calculation of default risk, given that the entity's default risk information is very widely utilized in the market and the sensitivity to the difference in default risk is high. Also, Strict standards are also required for methods of calculation. The credit rating method stipulated by the Financial Services Commission in the Financial Investment Regulations calls for the preparation of evaluation methods, including verification of the adequacy of evaluation methods, in consideration of past statistical data and experiences on credit ratings and changes in future market conditions. This study allowed the reduction of individual models' bias by utilizing stacking ensemble techniques that synthesize various machine learning models. This allows us to capture complex nonlinear relationships between default risk and various corporate information and maximize the advantages of machine learning-based default risk prediction models that take less time to calculate. To calculate forecasts by sub model to be used as input data for the Stacking Ensemble model, training data were divided into seven pieces, and sub-models were trained in a divided set to produce forecasts. To compare the predictive power of the Stacking Ensemble model, Random Forest, MLP, and CNN models were trained with full training data, then the predictive power of each model was verified on the test set. The analysis showed that the Stacking Ensemble model exceeded the predictive power of the Random Forest model, which had the best performance on a single model. Next, to check for statistically significant differences between the Stacking Ensemble model and the forecasts for each individual model, the Pair between the Stacking Ensemble model and each individual model was constructed. Because the results of the Shapiro-wilk normality test also showed that all Pair did not follow normality, Using the nonparametric method wilcoxon rank sum test, we checked whether the two model forecasts that make up the Pair showed statistically significant differences. The analysis showed that the forecasts of the Staging Ensemble model showed statistically significant differences from those of the MLP model and CNN model. In addition, this study can provide a methodology that allows existing credit rating agencies to apply machine learning-based bankruptcy risk prediction methodologies, given that traditional credit rating models can also be reflected as sub-models to calculate the final default probability. Also, the Stacking Ensemble techniques proposed in this study can help design to meet the requirements of the Financial Investment Business Regulations through the combination of various sub-models. We hope that this research will be used as a resource to increase practical use by overcoming and improving the limitations of existing machine learning-based models.

An Empirical Analysis about the Effect on Performance of Firm's Patent Competency : Focusing on the High Performance Venture Firms in Korea (기업의 특허 역량이 성과에 미치는 영향에 관한 실증 분석 : 우수 벤처기업을 중심으로)

  • Ahn, Yeon S.
    • Knowledge Management Research
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    • v.11 no.1
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    • pp.83-96
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    • 2010
  • In this study, the effect of firm's patent competency on the their management performance was analysed. The number of patents granted to Korean firms, patent grade score as of the firm's patent competence were considered in the perspectives of patent volume and patent value respectively. Specially the analysis were implemented focusing on the high performance venture ranked 200th in Korea. The patent source data were from the Korean Intellectual Property Office, Korean Credit Evaluation Information Company, and the Patent Evaluation System of KIPO and KIPA. And the year sales and net profit volume as of the firm's management performance data from the KIS. Management performance data are consisted of the mean sales, net profit and ROI during the 4 years from FY2005 to FY2008. Major results are as follows. The regression model were proved significantly that the year sales volume and net profit are effected by the number of patents and patent grade score. But the model including the ROI were shown not significantly. So it can be concluded that patent volume and patent value are the important factors on firm's financial performance as of the year sales volume and net profit. Also the regression model including the control variables, firm's number of employee and business year, the number of patents and patent grade score are the significant factors on firms performance. And regression coefficients of patent value model were higher than these of patent volume model. So it can be recognized that patent value of firms' patent competency are more important factor than the patent volume.

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A Basic Study on the Determination Method of Reconstruction and Remodeling of Deteriorated School Facilities - Focusing on the Case of S High School in Incheon Metropolitan City - (노후 학교시설의 개축 및 리모델링 타당성 판별 방법에 대한 기초연구 -인천광역시 S 고등학교 사례를 중심으로-)

  • Meang, Joon-Ho;Kim, Sung-Joong;Song, Byung-Joon;Kim, Jae-Young
    • The Journal of Sustainable Design and Educational Environment Research
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    • v.21 no.2
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    • pp.1-10
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    • 2022
  • This study aims to prepare an objective project basis by reviewing the feasibility of reconstructing and remodeling Greensmart Future School project for S High School's main building, which was built more than 40 years ago, in Incheon Metropolitan City, and to apply and review an effective methodology for determining renovation and remodeling. To this end, the feasibility of reconstruction and remodeling was evaluated in the long term by synthesizing the results of quantitative evaluation through economic review and qualitative evaluation through educational functional review. As a result of the study, it was found that the reconstruction plan was advantageous throughout all alternatives in terms of economic costs, and the field survey indicated limitations in spatial functions to support students' various educational activities and applying new directions, especially the 2022 revised curriculum and high school credit system.

Perfecting the System for Assessment of the Financial Potential of a Transport Enterprise

  • Nesterov, Evgeny Aleksandrovich;Borisov, Andrei Viktorovich;Shadskaja, Irina Gennadievna;Shelygov, Aleksandr Vladimirovich;Sharonin, Pavel Nikolaevich;Frolov, Alexander Lvovich;Lebedeva, Olga Yevgenievna
    • International Journal of Computer Science & Network Security
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    • v.22 no.7
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    • pp.109-116
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    • 2022
  • The article is devoted to perfecting the system of management of the financial potential of transport enterprises. It is established that transport as an integral part of the state economy has to organically enter the market economy and provide sustainable transport services to national economy enterprises regardless of ownership, as well as ensure passenger transportation. It is also determined that in the conditions of market relations, transport highways must perform their functions with sufficient economic benefit to keep their material and technical resources in good order, conduct an investment policy with extensive use of scientific and technological progress, as well as a social policy guaranteeing the conditions for employees' motivated work. The study reveals an association between the financial and strategic goals of transport enterprises and the minimization of their economic risks, the prevention of bankruptcy and profit margin shortfalls. It is found that transport enterprises need to strive for the overall improvement of their financial potential through increasing the components of financial potential and assessing the impact of risk factors on them: the capacity of fixed assets, the capacity of financial resources, the capacity of services, and the capacity of credit opportunities. These are the elements of transport enterprises' financial potential that ensure its desired level. It is demonstrated that of critical importance in managing the financial potential of a transport enterprise is the role of financial resources, as a subject cannot reach the desired strategic goals without them.

Mortgage Broker System and Policy Recommendations in Housing Finance Markets (주택담보대출 금융시장에서 Mortgage Broker 역할과 제도화방안 연구)

  • Kim, Yong-Chang
    • Journal of the Korean association of regional geographers
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    • v.11 no.6
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    • pp.620-639
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    • 2005
  • In terms of loan transactions, mortgage volume secured by housing in Korea is the most important market share. Hitherto housing finance policies are treated as a kind of property pricing policy. So it is time to import financial systems on behalf of the mortgage loan consumers like a mortgage broker. A mortgage broker is an intermediary that brings a borrower and a creditor together to obtain a mortgage loan. The broker takes the application, performs a financial and credit evaluation, produces documents, and closes the loan. Especially mortgage brokers present themselves as specifically acting in the interest of the consumer by shopping on behalf of the consumer for the best product that meets the consumer's needs and financial circumstances. The paper investigates the economic role of mortgage broker, foreign systems focused on USA, UK, Japan, and characteristics of Korean housing finance markets. Finally the paper provides policy recommendations about Korean mortgage broker system composed of licensing type, uniform professional practice standard, educational requirements.

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Issues on Primary Education and Teachers in Cambodia: Implications to Education Development Cooperation (캄보디아 초등교육 및 초등교사 쟁점 분석과 교육개발협력에의 시사점 탐색)

  • Kim, Jin-Hee
    • Korean Journal of Comparative Education
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    • v.27 no.1
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    • pp.77-96
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    • 2017
  • This study seeks to examine current status and issues on primary education environment and teachers in Cambodia, a country that has a poor education environment and low educational achievement I analysed the features and limitation of education. Major findings revealed the primary school students' low accessibility on education and poor competencies and qualification of primary school teachers, which have hindered a quality of education in Cambodia. Central implications were produced to improve the quality of education and training system for primary school teachers. First, sustainability should be embedded from the initial design to the performance evaluation of the projects. Second, we should carry forward a customized training project that can meet the needs of primary school teachers in Cambodia. Third, the Education ODA project should be institutionalized into the national mechanism of the credit accreditation system, including the incentives of participating. Fourth, in-service training should ensure the inclusiveness and accessibility for the disadvantaged in remote areas. Fifth, short-term workshops for teachers should be avoided, but intensive programs including mentoring should be expanded. Finally, we should support the establishment of autonomous teacher- learning communities based on school level across the Cambodia, which could establish the social capital of the teaching profession in a long term.

An Empirical Study on Survival Characteristics of Young Start-up Entrepreneurs(20~30s) (청년창업기업(20~30대)의 생존특성에 관한 실증연구)

  • Nam, Gi Joung;Lee, Dong Myung
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.13 no.5
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    • pp.63-72
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    • 2018
  • The purpose of this study was to analyze the survival rate and survival characteristics of young start-up entrepreneurs supported with public financing, by using non-parametric statistic of Kaplanr-Meier Analysis on non-financial data. Average survival periods of different survival characteristics have been estimated by dividing the age groups into 20s and 30s. After then, the main variables affecting the survival period have been analyzed. 3,825 firms guaranteed by Credit Guarantee Institutions in Korea were used as database for the analysis. 3,242 firms have survived while 583 firms have gone insolvent. The study period was from January 1, 2011 to December 31, 2017. Age-based breakdown of the business founders show that 3 variables in the 20s and 5 variables in the 30s are derived as the significant variables, resulting in the significant differences of each age group. In other words, the start-up support agencies and financial institutions need to develop a credit evaluation system that distinguishes the criteria of age range and find information that reflect the characteristics of entrepreneurs in their 20s as well as developing tailor-made financial products. Also, step-by-step support measures are required for the start-ups of high survival times and make them grow into promising SMEs. Meanwhile, non-financial support plans shall be invigorated along with the financial ones to help the start-ups of low survival times. This study is meaningful in that the survival analysis has been conducted by using the non-financial data of young start-up entrepreneurs. It is expected that the results of this analysis contribute to the enhancement of survival rate of start-ups by providing start-up support agencies and start-up business owners with the unique information of the survival characteristics.

Analysis of Current Status of the Community Health Nursing Practice Education (지역사회간호학 실습교육 현황 분석)

  • Cho, Yoo Hyang;Do, Eun Young;Kang, Kyung Sook;Kim, Young Me;Kim, Younkyoung;Rou, Farrah;Lee, Chong Mi;Choi, In Hee;Choi, Hee Chung
    • Research in Community and Public Health Nursing
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    • v.28 no.3
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    • pp.347-356
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    • 2017
  • Purpose: The purpose of this study was to provide basic evidence to improve community health nursing practice education by analyzing the current status of actual operation, program outcomes and evaluation methods, and the level of achieving learning goals. Methods: Data were collected through an e-mail survey from 155 professors teaching community health nursing in April 2016. Out of 45 responses in total, 42 cases were used for analysis (response rate 29.0%). Results: Community health nursing practice was a 3-credit course in most of the schools (66.7%) and included a practice at public health centers without exception. The most common diagnosis classification system was OMAHA (81.0%). The core fundamental nursing skills evaluated during the practice were subcutaneous injection, vital signs, oral administration, and intradermal injection. Among the subjects of community health nursing practice, the area with the highest potential for achieving learning goals was primary health care provision (4.4/5) and the area with the lowest potential was disaster management (2.4/5). Conclusion: The results of this study show that there would be active efforts to complement and improve several problems of the community health nursing practice among the community health nursing practice instructors for more effective and qualitative community health nursing practice.