• NICE (News & Information for Chemical Engineers)
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• 제35권4호
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• pp.421-428
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• 2017

• NICE (News & Information for Chemical Engineers)
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• 제36권2호
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• pp.182-191
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• 2018

• NICE (News & Information for Chemical Engineers)
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• 제36권5호
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• pp.542-544
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• 2018

• NICE (News & Information for Chemical Engineers)
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• 제36권2호
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• pp.191-195
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• 2018

• NICE (News & Information for Chemical Engineers)
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• 제29권4호
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• pp.503-509
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• 2011

• NICE (News & Information for Chemical Engineers)
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• 제29권5호
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• pp.586-589
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• 2011

• NICE (News & Information for Chemical Engineers)
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• 제23권5호
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• pp.524-529
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• 2005

• KDI Journal of Economic Policy
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• 제38권3호
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• pp.53-77
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• 2016

Financial soundness in the household sector matters for financial stability and for the real economy. The level of household debt in Korea raises concern about the financial soundness of the household sector due to its size, growth rate and quality. Against this backdrop, we assess the financial vulnerability of borrowers based on an analysis of credit bureau (CB) data, in which the actual credit activities of most individuals are recorded at a high frequency in Korea. We construct over-indebtedness indicators from the CB data and then assess the predictability of forthcoming defaults. Based on the over-indebtedness indicators, we show how borrowers are distributed in terms of over-indebtedness and how the over-indebted differ from average borrowers in terms of their characteristics. Furthermore, we show how the aggregate credit risk in the household sector would change under macroeconomic distress by analyzing how each borrower's credit quality would be affected by adverse shocks. The findings of this paper may contribute to assessing household debt vulnerability and to enhancing regulatory and supervisory practices for financial stability.

• 한국IT서비스학회지
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• 제1권1호
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• pp.7-15
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• 2002

The role of SI in this IT era is recognized high as a value-creating activity in the overall industries. But the valuation factors are not so attractive compared to other industries. Among the negative factors are the relatively high cost of sales and operating cost, the lack of technical differentiation among the firms, the low level of entry barrier, and the resulting competition in the SI industry. But some positive factors such as the expectation for the overall introduction of IT into eoconomy, development of SM (System Management) projects, and the sales of developed soultions and components increase the value of SI firms.

• 한국정보처리학회:학술대회논문집
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• 한국정보처리학회 2022년도 추계학술발표대회
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• pp.393-395
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• 2022

실제 대화에서는 다양한 화자와 청자간의 사회적 위치와 관계 등의 사회적 변인에 따라 다양한 상대높임법이 존재한다. 제안하는 상대높임법 중심의 대화시스템 아키텍처를 설명하기에 앞서 배경지식 및 관련연구로 규칙/코퍼스 기반 대화시스템을 소개하고, 상대높임법을 포함하는 공손법처리에 대한 기존 연구들의 제약사항을 논의한다. 본 연구에서는 한국어 상대높임법을 정의 및 사회적 변인 모델링하고 이를 구현하기 위한 대화시스템 아키텍처 방안을 제안한다.