• Title/Summary/Keyword: Financial Difficulties

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A study on the comparison of descriptive variables reduction methods in decision tree induction: A case of prediction models of pension insurance in life insurance company (생명보험사의 개인연금 보험예측 사례를 통해서 본 의사결정나무 분석의 설명변수 축소에 관한 비교 연구)

  • Lee, Yong-Goo;Hur, Joon
    • Journal of the Korean Data and Information Science Society
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    • v.20 no.1
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    • pp.179-190
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    • 2009
  • In the financial industry, the decision tree algorithm has been widely used for classification analysis. In this case one of the major difficulties is that there are so many explanatory variables to be considered for modeling. So we do need to find effective method for reducing the number of explanatory variables under condition that the modeling results are not affected seriously. In this research, we try to compare the various variable reducing methods and to find the best method based on the modeling accuracy for the tree algorithm. We applied the methods on the pension insurance of a insurance company for getting empirical results. As a result, we found that selecting variables by using the sensitivity analysis of neural network method is the most effective method for reducing the number of variables while keeping the accuracy.

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An Exploratory Study of Energy Consumption and Management in the Home (가정에서의 열에너지 관리 현황조사 연구 -서울 지역을 중심으로-)

  • 윤복자
    • Journal of the Korean Home Economics Association
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    • v.18 no.1
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    • pp.67-82
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    • 1980
  • The objectives of the study were to determine 1) energy uses for residential requirements, 2) if energy consumption and adoption of energy conservation attitudes and practices vary with independent variables family size, stage of family life cycle, homemaker's level of education, income, heating system, and number of electrical household items, and 3) if there is a correlation between energy conservation attitudes and practices. Questionnaires were given to the randomly selected homemakers I Seoul in the summer (September, 1979) and the winter (February, 1980). Analysis of variance and correlation were used to analyzed the data which consisted of 537 usable responses of 895 returned in the summer and 554 responses of 794 returned in the winter. The results are as follows: 1) The order of consumption rate of the direct energy uses for residential requirements was found to be heating and air conditioning, cooking, refrigeration, T.V., lighting, and miscellaneous. 2) Energy consumption and adoption of energy conservation attitudes and practices were significantly related to family size, homemaker's level of education, and the stage of family life cycle. (1) Families of five members revealed higher scores in attitudes and practices than families less than five or more than six. (2) The higher the homemaker's level of education, the more energy consumption and the higher scores I attitudes and practices were found. (3) Families in the middle stage of family life cycle tend to use more energy than younger or older families, but their scores in attitudes and practices were high. 3) There was a significant correlation between energy conservation attitudes and practices. However, the scores of the conservation practices were not as good as the attitudes. It may be attributed to either a lack of knowledge and/or financial difficulties, or a dissonance between the concept and implementation of energy conservation. 4) Recommendations for the energy-saving and energy-related public policies are: (1) to use such human resources as attitudes, values, feelings of agreement, and cooperation, as well as nonhuman resources for the energy conservation, (2) to develop a educational program and a creative system I order to implement energy conservation programs, and (3) to consider direct as well as indirect energy uses I selecting goods and services.

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Social Consensus among Two sides of Industry and the Government and its Implication for Disability Policy (노.사.정 사회적 합의가 장애인 복지정책에 주는 함의)

  • Lee, Seong-Gyu
    • Korean Journal of Social Welfare
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    • v.36
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    • pp.259-283
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    • 1998
  • This research is based on the assumption that Korea's social consensus among two sides of industry and government on Feb. 2 '98 was not just temporary response to the economic crisis caused by International Monetary Fund financial fund. Some arguments on the applicability of social democracy and corporatism and D. Donnison's perspective on Democratic Socialism are employed in search of an appropriate social consensus model for Korean situation. In the process of analyzing Korean situation in historical context it becomes apparent that there is embryo of stable social consensus beyond the level of tentative social cooperation to overcome the economic crisis. The next step applying the social consensus model to the employment policy for people with disability levels up empirical and theoretical validity of this research. It casts some implications for disability labour market which demands another kind of social consensus among people with disability, employers and the government. These implications include a desirable solution for hard lives of unemployed people with disability in economic difficulties and current policy issues facing Korean government.

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The Influence of North Korean Refugees' Individual Characteristics and Entrepreneurial Motives on Entrepreneurial Intention (북한이탈주민의 창업 개인특성과 창업동기가 창업의지에 미치는 영향)

  • Park, Nam Tae;Lee, Bo Young
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.11 no.5
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    • pp.67-75
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    • 2016
  • The financial difficulties which North Korean refugees encounter during the process of transition into South Korean society is due to their low income and insufficient expertise. Hence this research was conducted for the purpose of improving the policy and system to support North Korean refugees' starting of businesses. As a result, the self-efficacy, which is one of the individual characteristics, influences the motivation for starting business. In addition, it has been revealed that the motives and education on starting business also influence the motivation for starting business. By observing regulation effect of social adaptation, it has been found out that the interaction between the personal characteristics such as risk-taking attribute and the previous experience of starting business, along with interaction effect on social adaptation and motives and social adaptation, is statically influencing as well. On the basis of results, to efficiently support North Korean refugees' starting business, it is necessary to conduct education on starting business to boost their self-efficacy and the support must be executed based on their levels of motives, risk-taking attribute and social adaptation.

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Structural behavior of arch dams considering experimentally validated prototype model using similitude and scaling laws

  • Altunisik, Ahmet Can;Kalkan, Ebru;Basaga, Hasan B.
    • Computers and Concrete
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    • v.22 no.1
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    • pp.101-116
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    • 2018
  • As one of the most important engineering structures, arch dams are huge constructions built with human hands and have strategical importance. Because of the fact that long construction duration, water supply, financial reasons, major loss of life and material since failure etc., the design of arch dams is very important problem and should be done by expert engineers to determine the structural behavior more accurately. Finite element analyses and non-destructive experimental measurements can be used to investigate the structural response, but there are some difficulties such as spending a long time while modelling, analysis and in-situ testing. Therefore, it is more useful to conduct the research on the laboratory conditions and to transform the obtained results into real constructions. Within the scope of this study, it is aimed to determine the structural behavior of arch dams considering experimentally validated prototype laboratory model using similitude and scaling laws. Type-1 arch dam, which is one of five arch dam types suggested at the "Arch Dams" Symposium in England in 1968 is selected as reference prototype model. The dam is built considering dam-reservoir-foundation interaction and ambient vibration tests are performed to validate the finite element results such as dynamic characteristics, displacements, principal stresses and strains. These results are considered as reference parameters and used to determine the real arch dam response with different scales factors such as 335, 400, 416.67 and 450. These values are selected by considering previously examined dam projects. Arch heights are calculated as 201 m, 240 m, 250 m and 270 m, respectively. The structural response is investigated between the model and prototype by using similarity requirements, field equations, scaling laws etc. To validate these results, finite element models are enlarged in the same scales and analyses are repeated to obtain the dynamic characteristics, displacements, principal stresses and strains. At the end of the study, it is seen that there is a good agreement between all results obtained by similarity requirements with scaling laws and enlarged finite element models.

Study for Operation Teaching Machine Using 3D Virtual Reality System (3D가상 현실방식을 사용한 수술교육시스템의 연구)

  • Kang, Byung-Hoon;Kim, Ji-Sook;Kim, Han-Woong
    • Journal of Digital Contents Society
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    • v.17 no.4
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    • pp.287-293
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    • 2016
  • Some studies require sufficient amount of time, spaces, and financial condition for practical exercises and training. In particular for the Medical education, time and space limitation is very high and difficulties occurs, since the practices are done with cadavers (deceased human body). Many alternate 3D Virtual surgery training system exist currently, however the burdensome of obtaining those costly equipments is problematic. Providing the surgical environment as similar to real as possible using 3D Virtual Reality can be a solution to current problems. The effectiveness of training could be maximized with minimized costs without the general interfaces such as keyboard and mouse, but with Oculus Rift and Leap Motion. This paper will develop and practice the 3D Virtual Operation System with two devices to investigate the possibility and expand to other Simulation fields.

An Analysis of Fishery Consciousness for the Fisheries Highschool Teachers in Kyungbuk Province (경북지역 수산계 고등학교 학생의 수산업 의식 분석)

  • KIM, Sam-Kon;PARK, Jong-Woon;LEE, Sang-Cheol
    • Journal of Fisheries and Marine Sciences Education
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    • v.14 no.1
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    • pp.1-26
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    • 2002
  • In this paper, we studied the consciousness of Fisheries high school students Through these kinds of works, this paper will focus on how to activate the Fisheries high school in Kyungbuk province. Primarily, research of the consciousness of people living in the fisheries community of the Kyungbuk coast has been engaged in fisheries. Secondly, research is done the consciousness of Fisheries high school students. Thirdly, research of consciousness of neighboring middle school teachers. Finally, searching for reform measures toward activating Fisheries high schools in the whole country. The conclusions of the study were as follows: First, the proper view of fisheries should be settled again. The understandings of basic knowledge about maritime affairs and fisheries in the stages of elementary schools and middle schools are needed. Secondly, in order to find a way out of the difficulties in fishering villages, governmental financial support has to be presente. from the view of fisher folks who are engaged in the fisheries. Thirdly, larger portions of economic value should be allocated to fisheries villages by improving fisheries structure of the fishery. Actually, lower incomes have burdened fisheries villagers with more debts. Fourthly, academic and care counseling must concentrate on the diversification of courses after graduation from fisheries high schools. Realistically, students of fisheries high schools are longing to enter into universities. Fifthly, reorganization of specialized highschool systems, changes of titles of schools and reconstruction of departments should be steadily carried out. Finally, high morale of fisheries highschool teachers should be revised using various steps. They didn't appear to be proud of their teaching jobs. Supervisors ought to exchange their opinions with teachers for the purpose of development of fisheries high schools.

Utilization of Body Computed Tomography Scanners in Non-Metropolitan Area (비수도권(非首都圈) 지역(地域)에서의 전신용(全身用) X선(線) CT의 이용(利用))

  • Park, Young-Sun
    • Journal of radiological science and technology
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    • v.8 no.2
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    • pp.29-45
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    • 1985
  • Computed Tomography Scanner (CT) is highly expensive in operation as well as purchasing. That reason may cause not only to increase the burden of patients but also to waste the capital resources leading to financial difficulties. However the numbers of CT installed throughout the country is increasing, because of efficiency in medical care, patient's concern, competitions among the hospitals within the same area. In the non-Metropolitan area the scanners were expected to be less utilized and less profitable. Nine hospitals equipped with the CT were studied on the utilization of that equipment during the period from November 1984 to February 1985 in non-Metropolitan area and break-even point in one hospital was analyzed for estimating profitabilities. The results were as follows ; 1. Among those nine hospitals, four hospitals had less than 400 beds, which is one of the restrictive minimum standards on the installation of Whole-body Computed Tomography Scanner. 2. The operating time during the normal operation period was longer than those of any other studies, but the accumulated down time was also longer than those of any other studies. The average number of scanning per week for each CT was 45, while the estimated number of for the break-even point was 56.7 cases. 3. When the downtime was excluded in calculating the average operation would be much closer to the cases for the break-even point. Therefore the break-down of the equipment was to be a main cause of the low profitability. 4. The average scanning rate for head area was 33.6%, however three of the nine hospitals showed about 20%. 5. If scanning ratio for the body parts excepting head was increased, the number of scanning for the break-even point would be diminished. 6. The small size hospital especially located near the Metropolitan area showed largest loss in the CT operation. In purchasing the highly expensive equipments in hospitals, demand should be taken into account and planning is recommended.

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A Study on a GIS based Updating Methodology of Landcover Maps for the Enhancement of Utilization in the Total Maximum Daily Loads (TMDL에서의 토지피복지도 활용 제고를 위한 GIS기반 현행화 방법 연구)

  • Kwak, Geun Ho;Kim, Kye Hyun;Lee, Chol Young;Oh, Seong Kwang
    • Journal of Korean Society on Water Environment
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    • v.30 no.3
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    • pp.340-350
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    • 2014
  • Recently, TMDL has been implemented to estimate the amount of pollutant loads and to establish proper mitigation strategy to decrease the pollutant loads by the Ministry of Environment. To estimate the amount of pollutant loads with reasonable accuracy, securing landcover map with periodically updating is essential. However, in reality, due to the technical and financial difficulties, the landcover map has not been updated annually. Hence, this study mainly aims to suggest an effective GIS-based updating method in order to promote utilization of landcover map in the estimation of pollutant loads. Bupyeong-gu at the City of Incheon with the total area of $31.98km^2$ was chosen for this study and spatial data including digital topographic maps, ortho aerial photo, and satellite images were collected and utilized. A total of 7,235 feature entities were newly produced through the updating process of five steps and it was revealed that the classification of landcover with the total area of $3.34km^2$ was to be changed. The validity and feasibility of the suggested method were proved with the accuracy of 97.9% from the field verification. Further study needs to be made for devising more automated method to update landcover map to facilitate TMDL for individual local governments.

Reforming the Rural Health Insurance Programs in Korea (농촌의료보험의 당면과제와 개선방향)

  • Moon, Ok-Ryun
    • Journal of agricultural medicine and community health
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    • v.16 no.2
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    • pp.179-194
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    • 1991
  • Despite its universal coverage of health insurance, the rural health insurance program(RHIP) stands at the crossroads in Korea. The RHIP has weaknesses in stability of financing, problems of inequities in the provision of health services and has suffered from high cost of running the program. The author has analyzed these problems from the perspective of health insurance policy and presented several options for improvement. First of all, this study urged the importance of a firm Governmental commitment of RHIP with the 50% subsidization of contributions as the Government had promised, instead of the current 40%. This can be justified from the 20% subsidization by the Government for the contributions of private school teachers and their dependents, who belong to richer segments of the population. Second, various cost containment measures ought to be sought curbing the rising demand for medical through strengthening health education and increasing individual responsibility, and tightening the claim review process. Third, this study requires the Government to run a demonstration project on the introduction of case payment system for primary health care. Fourth introducing an income-related cost sharing scheme is another possibility. Reforming the cost sharing formula for large medical expenditures is recommendable for a beginning. This measure can take the form of tax credit for medical expenditures of the poor. Fifth, the degree of financial adjustment among health insurance plans should be levelled up for enhancing stability of RHIP and social solidarity. Sixth, health policy should be redirected toward development of rural health resources and higher priority should be put on relieving difficulties in access to care. Seventh. the insurance plan owned-hospital needs to be developed or provision of health services in the medically underserved areas, and the need of such facilities is particularly acute for geriatric care, rehabilitation and renal dialysis, etc. Eighth, more generous insurance benefits are required of the elderly who are suffering the most : elimination of the maximum 180 days of benefit period and provision of glasses and artificial dentures, etc. Ninth. the economies of scale principle is working for the operating expenses of regional self-employed insurance plan. Thus, measures should be instituted to pursue an optimum size of health insurance plans. Lastly, excessive dependence on exclusion items is an evil so that some radical remedies are urgently required to cut them.

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