• 경영과학
• /
• 제33권3호
• /
• pp.65-87
• /
• 2016

Being the FinTech technologies rapidly developed, the non face-to-face private loan market is also growing dramatically. While the real-world interests in this market are keen, the empirical studies on the issue are few compared to its prospective impact on credit loan market. This paper suggests a credit scoring model for the non face-to-face private loan employing the ratings approach (the absolute measurement method) of AHP. Analyzing a sample of data consisting of 460,000 transaction records over an 8-year period in the United States, we develop a scoring model for the non face-to-face private loan screening, and validate the model for the practical usage. Conducting sensitivity analysis, we suggest customized cut-off points for the loan execution to suit each individual loan institution's need.

• Journal of Magnetics
• /
• 제21권1호
• /
• pp.153-158
• /
• 2016

This paper aims to discuss the Non Darcy boundary layer flow of non-conducting viscous fluid with magnetic ferroparticles over a permeable linearly stretching surface with ohmic dissipation and mixed convective heat transfer. A magnetic dipole is applied "a" distance below the surface of stretching sheet. The governing equations are modeled. Similarity transformation is used to convert the system of partial differential equations to a system of non-linear but ordinary differential equations. The ODEs are solved numerically. The effects of sundry parameters on the flow properties like velocity, pressure, skin-friction coefficient and Nusselt number are presented. It is deduced the frictional resistance of Lorentz force decreases with stronger electric field and the trend reverses for temperature. Skin friction coefficient increase with increase in ferromagnetic interaction parameter. Whereas, Nusselt number decrease.

• 한국생산제조학회지
• /
• 제21권2호
• /
• pp.252-258
• /
• 2012

A study of terahertz waves was made for the nondestructive evaluation of FRP (Fiber reinforced plastics) composite materials. The terahertz systems were consisted of time domain spectroscopy (TDS) and continuous wave (CW). The composite materials investigated include both non-conducting polymeric composites and conducting carbon fiber composites. Terahertz signals in the TDS mode resembles that of ultrasound; however, unlike ultrasound, a terahertz pulse was not able to detect a material with conductivity. The CFRP (Carbon fiber reinforced plastics) laminates were utilized for confirming the experimentation in the terahertz NDE. In carbon composites the penetration of terahertz waves is quite limited and the detection of flaws is strongly affected by the angle between the electric field direction of the terahertz waves and the intervening fiber directions. A refractive index (n) was defined as one of mechanical properties; so a method was obtained in order solve the "n" in the material with non-conductivity. The usefulness and limitations of terahertz radiation are investigated for the NDE of FRP composites.

• 전력전자학회논문지
• /
• 제6권3호
• /
• pp.223-230
• /
• 2001

구형파 브러시리스 직류전동기를 구동시키기 위해서는 전동기의 회전자 위치에 대한 정보를 아는 것이 필수적이다. 본 논문에서는 회전자 위치를 검출하기 위해 일반적으로 사용되는 홀센서나 엔코더를 이용하지 않고, 각 상을 저항으로 Y결선하여 만들어지는 단자의 전압에 포함되어 있는 비여자상의 역기전력을 이용하여 전동기의 회전자 위치를 검출하는 구형파 브러시리스 직류전동기용 센서리스 드라이브 시스템을 제안한다. 이를 위해 3상 2여자 선단부 유니폴라 PWM을 수행할 결우에 대한 각상의 단자전압 분석을 수행하고, 분석된 단자전압 파형으로부터 회전자 위치를 검출하는 방법을 제안한다. 그리고 이를 실제로 간단한 회로로 구현하였다. 실험에 사용된 전동기는 100W급이며 Power MOSFET으호 인버터를 구성하였으며 87c196mc 컨트롤러를 사용하여 제어기를 구성하였다.

• 한국안전학회지
• /
• 제25권3호
• /
• pp.91-99
• /
• 2010

In this study, the advanced numerical algorithm is developed which can performed the static and dynamic stochastic finite element analysis by considering the effect of uncertainties included in the member stiffness of steel cable-stayed bridges and seismic load. After conducting the linear and nonlinear initial shape analysis, the advanced numerical algorithm is the assessment tool which can performed structural the response analysis considering the static linearity and non-linearity of before or after induced intial tensile force, and examined the reliability assessment more efficiently. The verification of the developed numerical algorithm is evaluated by analyzing the regression analysis and coefficient of correlation using the direct monte carlo simulation. Also, the dynamic response characteristic and coefficient of variation of the steel cable-stayed bridge is calculated by considering the uncertainty of random variables using the developed numerical algorithm. In addition, the quantitative structural safety of the steel cable-stayed bridges is evaluated by conducting the reliability assessment based upon the dynamic stochastic finite element analysis result.

• 한국전기전자재료학회:학술대회논문집
• /
• 한국전기전자재료학회 2004년도 하계학술대회 논문집 Vol.5 No.1
• /
• pp.445-448
• /
• 2004

Radio frequency and microwave dielectric heating are well-known electroheating methods, used in industrial applications where non electrically conducting materials are to be heated, dried or otherwise processed. The major reason for considering this technique for any process is based on its unique ability to transfer heat into the volume of an electrically non conducting material such as insulator directly, rather than, via a surface. Conventional heating must first bring heat to the product surface and there after it depends on the physical characteristics and condition of the material as to how effectively this heat is transmitted into the mass. The product would suffer surface damage before the main body is adequately processed. Dielectric heating is applied to enhance conventional heating methods and to drastically shorten the required processing duration. Although the use of dielectric heating has been a well proven technique for several years in some industries, its application in the preheating of FRP has been limited by the insufficient experience. In this paper a method is described for uniform radio frequency heating of preheating of FRP.

• 연구윤리
• /
• 제2권2호
• /
• pp.5-10
• /
• 2021

Purpose: Ethical behaviors become more salient when researchers utilize face-to-face interviews and observation with vulnerable groups or communities, which may be unable to express their emotions during the sessions. The present research aims to investigate ethical behaviors while conducting research have resonance due to the deep nature of observation and interview data collection methods. Research design, data and methodology: The present research obtained non-numeric (Textual) data based on prior literature review to investigate Ethical Conducts in Qualitative Research. Non-numeric data differs from numeric data in how the data is collected, analyzed and presented. It is important to formulate written questions and adopt them what the method claims for the researcher to understand the studied phenomenon. Results: Our findings show that while conducting qualitative research, researchers must adhere to the following ethical conducts; upholding informed consent, confidentiality and privacy, adhering to beneficence's principle, practicing honesty and integrity. Each ethical conduct is discoursed in detail to realize more information on how it impacts the researcher and research participants. Conclusions: The current authors concludes that five ethical conducts are important for realizing extensive and rich information during qualitative research and may be exploited in implementing research policies for researchers utilizing observation and interviews methods of data collection.

• 대한의생명과학회지
• /
• 제27권2호
• /
• pp.88-94
• /
• 2021

A whole-body compression garment (WBCG) is mainly used for cosmetic purpose in Korea. Another case for wearing the WBCG would be while exercising because it allows the body to move easily. But physiological effects of wearing WBCG to the body have not been known much. To investigate whether wearing WBCG would be helpful for conducting exercises, we measured physiological criteria, which could be influenced by the compression, such as cardiovascular and pulmonary function. Twelve female college students participated in this experiment. Increase of blood pressure was monitored in all of the participants when they wore a WBCG just for 10 minutes. Pulmonary function that requires skeletal muscle contraction was decreased by wearing a WBCG. Blood pressure measured after conducting exercise became even lower when wearing a WBCG than non-wearing. Interestingly, heart pulse remained lower when wearing a WBCG than non-wearing during the whole relaxing period after the exercise. Electrocardiogram (ECG) analyses showed that such lower heart rate largely depended on extension of QT time. For that reason, physiological efficiency index (PEI) was higher for wearing WBCG. These results indicate wearing WBCG could enhance exercise efficiency by lowering heart pulse.

• 한국공작기계학회:학술대회논문집
• /
• 한국공작기계학회 2005년도 춘계학술대회 논문집
• /
• pp.71-76
• /
• 2005

The defects evaluation of the interior and the surface would be considered as vital characteristics in predicting the total life span of the steel structure. More importantly, the understandings in the interior composite of welding zone and the notifications in the presence, the formation, and the positioning of the non-metallic inclusion are necessary as well, since there were signs of relatively high defect frequency presented in the welding zone. The ultrasonic testing is a highly recommended technique chosen from among other techniques because of variety of advantages in conducting the non-destructive testing for the welding zone. However, the ultrasonic testing had technical disadvantages referred as followings; the problems due to the couplant between the PZT and the specimen, the formations that were miniature and complex, the moving subject, and the high temperature surrounding the specimen. This research was conducted to resolve the technical disadvantages of the contact ultrasonic testing by studying the non-contact ultrasonic testing where the ultrasonic waves were transferred by the laser, and revealing the specimen defects at its interior part and its surface part. The ultimate goal of this research was to develop a non-destructive evaluation applying the laser manipulated ultrasonic method for the steel structure.

• Journal of Information Display
• /
• 제9권3호
• /
• pp.8-11
• /
• 2008

A novel non-alkoxide sol-gel process for synthesizing Ga-doped ZnO thin film on glass was derived for possible use as a transparent electrode in flat-panel displays, using zinc acetate dehydrate as the starting material. The structural and electrical properties of thin films have been characterized as functions of Ga addition and post-heat-treatments. Their carrier density, Hall mobility, and optical transmittance were measured and discussed herein to explain the characteristics of the sol-gel-derived Ga-doped ZnO thin film on glass.