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.
Department Stores have been in place as typical large-scale retailer in Korean retail market. After Asian financial crisis in 1997, the market share of major three department stores has been increased and they have had a dominant position in relationship with vendors or manufacturers. Thus, they are able to control sales commission. Sales commission is defined as things that department stores which contribute to products sales instead of manufacturers take some portion of price as their revenue. In other words, vendors or manufacturers pay some amount of money from their sales by contracted ratio to department stores. The problem is that vendors or manufacturers think that sales commission is high. However, department stores have a different opinion that sales commission is not high because they generate new value from gathering customers and doing marketing activity on behalf of vendors or manufacturers. Because department stores have operated with business model of renting sales space to vendors or manufacturers instead of buying goods directly from them, this situation has been taken place. The revenue of department stores depend on sales commission. Thus, they want to get a dominant power to control sales commission in relationship with vendors or manufacturers. So, they have tried to increase their size and brand power. The considered policies related in sales commission of department stores are as following: preventing monopoly or oligopoly of department store, being strength of monitoring for department stores' unfair trade, strict enforcement of law for large-scale retailer's unfair trade, and inducing win-win strategy doing voluntarily by department stores.
Journal of the Korea Organic Resources Recycling Association
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v.20
no.4
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pp.61-74
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2012
Industrial complexes in Korea have been vigorously established by economic development plan and development policy of industry in 1960s. Recently, Korean government has promoted Eco Industrial Park (EIP) project to recycle by-products and wastes in industrial park In this study, we analyzed the physical and chemical properties for the sludges discharged from A industrial complex. And we investigated the economic feasibility and environmental impact of sludge to energy facilities. The analysis results indicated that the petrochemical industry were 92% in sludge production, the highest treatment amount was landfill, followed by incineration and recycling and then ocean disposal. Wastewater sludge and process sludge samples are collected and analyzed to use as basic data on economic feasibility and environmental impact. Weighted average heating value of sludge samples was 3,891kcal/kg. Based on this data, installation and operation costs, operation returns of operating the drying facility are estimated, compared with cogeneration facility. And this study examines how the payback period of each simulation(total 8 case) with the important parameter changes. As a result, it was found that what needs the shortest payback period is 3years with connection of drying facility and cogeneration facility based on the government's financial subsidy system.
Korea is concerned with information security industry due to recent leak-out private information of 3 card companies. Executives are aware of damage from breach of security such as personal data spill, is more dangerous than any other financial risks. The information security industry, which was limited in physical security and network security formerly, is evolving into convergence security of public and facility security industry. The field of interest has also been changed into security of smart phone and intelligence image recently, from firewall or Anti-virus. The convergence security is originally about access control of facility, but recently its demand has been increased mostly by public institutions and major companies. The scope of the industry also varies from finance, education, distribution, national defense, medical care to automobile industry. The market of convergence security has been expanded and new various products and services of security of intelligent vehicle, 'U' healthcare, finance, smart grid and key industries are also developed. It is required to create and enhance of new curriculum and cultivate human resources for the development of knowledge information security industry. Raising standard of education and security consciousness of the nation is also necessary to strengthen the global competitiveness.
Human resources specialized in product development (PD) being essential in industry to enhance their competitiveness in the market with differentiated products, the PD curricula of domestic universities are in need of restructuring to better provide a comprehensive and diverse spectrum of knowledge as well as practical experiences for PD. We compared the PD curricula of selected domestic and foreign universities and identified advanced features of PD curricula. The major portion of the information used in our benchmarking of the seven, three domestic and four foreign, universities is obtained through their official websites. At domestic universities, the PD curricula comes in different sizes and is administered at the departmental level. On the other hand, each foreign university has her own unique form of PD curricula which is formulated on the firm basis of multidisciplinary collaboration among schools of Engineering, Management, and Arts with diversified program options ranging from giving course credits to offering various certificates and degrees. The industrial sponsorship in the form of financial support and mentorship at foreign universities is much more noticeable than at domestic universities. The survey results of the present study can be effectively utilized to develop an effective PD curriculum.
Songguk-ri site gained academic recognition by the excavation of stone coffin tomb with a bronze dagger in 1974. And it is confirmed that this site is epoch-making in Korean bronze age through the following excavation started in 1975. But the excavation reports published until now do not have even overall view of this site, thus it is difficult to get the whole picture of this site. Thus, in this paper the author reexamined all reports on this site and by making the map of overall view and distribution of archaeological features as a basic research. Moreover, I analyzed also artifacts from this site, and compared with the recent papers written by other researchers about the chronology and character. Songguk-ri site has livelihood domain which consists of dwelling pits, attached features, storage pits, pot-firing features, wood fence, abatises, buildings above ground, as well as cemetery which consists of stone-coffins, jar-coffins, pit tombs. Trace of making large terrace was also excavated. These features seem to belong to the same archaeological stage, dated about B.C.850-550, according to C14 dating. On the other hand, the intensification of wet-rice cultivation made this group more productive. Based on this financial strength, some influential group emerged they constructed defensive settlement to protect their products safely. Besides it seems that there were frequent occurrence of conflicts. However, we can know that they kept their stable life, through the expansion of living space. Consequently, Songguk-ri site played a role of the summit among some settlement in this area.
Our fisheries protucts industry has developed rapidly during past 10 years ; production was about twice: fihing fleets increased twice in number and 3 times in tonnage ; export was 5 times. Govermment is trying to develop deep sea fisheries in order to surmount the depression of coast fisheries. At present more than 270 deep sea fishing boats are working with superior skill to other country at the South Pacific, the Atlantic, the Indian, and the North Pacific Ocean. Our deep sea fisheries is consisted of the tuna long line and the trawler. The tuna long line of them has 230 crafts in 1969 ana the deep sea trawler has 40 crafts, too. Comparing to 1962, the number of the deep sea fishing boats has been increased highly to 54 times, 7.71 times average per year increasing rate. The rate of the tuna long line to the trawler at the end of 1969 shows 85:15, More than half of them are 100~200 (equation omitted), if we classify them according to (equation omitted) or boat craft. 70% of them has less than 5 years ships age. The Korean Marine Industry Development Corporation has more than 1/3 fishing fleets, with 91 crafts, if We consider it according to corporation. Considering it according to the financial resources, dependence upon foreign loan is as high as 88%. Catches was 74, 450 M/T ($24, 663, 000)at the end of November in 1969 and it was increased to 113.5 times in catch amount and 118 times in value, comparing to those of 1962. Considering it according to the ocean, the order is arranged to the Pacific, the Atlantic, and the Indian Ocean. The average production amount of each craft is 250~400 S/T a year. The result of export took up 1/3 of total fisheries product export with $ 22, 398, 000 at the end of november in 1969. Employee cost of fishing coast is 8% higher than other fishing. The profit is highest in our fisheries. Most of the products except the trawler fishing are sofa at the fishing grounds to the processing company, and they lose much money. They buy most of bait from Japan, giving $8~10 for 1C/S(10kg). Fish price is $390~520 according to the kind of fish for S/T at the fishing grounds, and the rapid frozen fishes brought to Japan are about $ 800 for S/T. There is much difference. in price. Problems 1. Want of self capital. 2. To get the refrigeration boats enough. 3. International Fishing Regulation. 4. To get high price and to secure consuming grounds. 5. To get home-production of bait. 6. To exploit new fishing grounds. 7. To get larger boats. 8. To get mariner enough. When the problems mentioned above are solved, the Deep Sea Fisheries of oun courtry will be developed more largely.
Journal of Agricultural Extension & Community Development
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v.20
no.1
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pp.1-39
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2013
The Cooperatives Act was enacted. This enabled people to establish easily cooperatives at various fields. A cooperative is an important vehicle for rural community development. Therefore, the enactment of the Cooperatives Act can be a significant chance for rural policy. The Cooperatives Act have made three significant changes. First, cooperatives can start businesses at all the fields except for financial and insurance business. Second, requisites for people to establish cooperatives have been alleviated exceptionaly. Third, the Cooperatives Act introduced a new cooperative organization, social cooperative which aims to serve the socially excluded class. The self-help approach places rural community members at the core of a development process with two goals: to improve the quality of life within the community and to facilitate the community's capacity building. Community cooperatives contribute to accomplish those goals. One of the roles for cooperatives is to provide products and services at competitive prices. Providing a good or service at a competitive price bcomes increasingly important in some rural communities declines. Cooperative development processes have bic impacts on the ablility of community members to increase human asset and social capital. We conducted a survey targeting rural community businesses to grasp inclinations toward establishing cooperatives. The Cooperatives Act has gained low level of recognition. But so many community businesses wanted to establish cooperatives. This means there is a possibility for many community businesses to establish cooperatives without sufficient understanding. We suggested some policy issues for coping with this situation, as followings. First, the governments should provides rural community residents with opportunities to learn about cooperatives. Second, the current legal systems and regulations about business and social service should be reviewed to do away with the possible discrimination between the new cooperatives and the other forms of incoporation. Third, the cooperation of cooperatives should be encouraged and facilitated in rural communities.
Journal of the Korean association of regional geographers
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v.3
no.1
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pp.99-113
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1997
The purpose of this study is to find out about the cause and adaptation process of urban households going to rural areas for agricultural management(Kwihyang nongga) through the microscopic analysis of a case study. Research results are summarized in the followings. The cause of Kwihyang nongga before the 1980s was generally due to the social causes like the support of dependent family or rural-to-urban migrants' maladjustment in urban society. After the 1980s, however, it was related to the economic reasons such as the increase of households' income by commercial agriculture more than the social ones. Most of Kwihyang nongga was traditionally the households which came back to their native places, rural areas. Recently the urban households which did not originally come from rural areas are going to rural space because of the cultivation of high profit oriented agricultural products. Recent Kwihyang nongga increased the size of commercial agriculture through leased farmland, not by a purchase of agricultural land. Even though the number of Kwihyang nongga is now a few, it is expected that the influence of Kwihyang nongga on rural society will be various and high because it consists of young generation. The increase of Kwihyang nongga may be one of the ways to mitigate the decreasing rate of utilization of agricultural lands due to the labor shortage of rural areas after industrialization. To solve rural problems related to underpopulation, it is necessary to establish the active plicies of helping Kwihyang nongga. The actions for Kwihyang nongga ought to emphasize the improvement of educational conditions and living facilities as well as financial aids and the improvement of farming conditions.
Asia-Pacific Journal of Business Venturing and Entrepreneurship
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v.14
no.5
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pp.175-185
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2019
Despite the rapid growth and importance of social enterprises in recent years, most social enterprises have many limitations such as small business size, financial dependence on government, lack of professional management personnel and knowledge, and low consumer awareness. Therefore, empirical research in the field of marketing is needed for economic independence of social enterprises. This study is based on the following: First, the identity of the social enterprise and the self-image of the consumer, second, the functional correspondence between the consumer's expectation and actual performance of the social enterprise's product, and third, the social value of the social enterprise product, the purpose of this study was to examine the effects of consumer value consistency on customer satisfaction and loyalty to social enterprises. Finally, this study aimed to suggest the moderating role of social enterprise clubs in this process to give implications for the long-term marketing of social enterprises. The results of this study are as follows. First, self-image consistency, functional correspondence, and value correspondence all have positive effects on the satisfaction of social enterprise and its products and form a loyalty. Secondly, whether or not the social enterprise club belonged to them is a moderating variable that raises sensitivity in the effects of self image consistency and functional consistency on customer satisfaction and customer satisfaction on loyalty. It was found to be.
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