Journal of information and communication convergence engineering
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v.19
no.4
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pp.228-233
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2021
In this study, we analyze the credit information (loan, delinquency information, etc.) of individual business owners to generate voluminous training data to establish a bankruptcy prediction model through a partial synthetic training technique. Furthermore, we evaluate the prediction performance of the newly generated data compared to the actual data. When using conditional tabular generative adversarial networks (CTGAN)-based training data generated by the experimental results (a logistic regression task), the recall is improved by 1.75 times compared to that obtained using the actual data. The probability that both the actual and generated data are sampled over an identical distribution is verified to be much higher than 80%. Providing artificial intelligence training data through data synthesis in the fields of credit rating and default risk prediction of individual businesses, which have not been relatively active in research, promotes further in-depth research efforts focused on utilizing such methods.
In an effort to examine the Regional Atmospheric Modeling System (RAMS ver. 4.3) to the initial meteorological input data, detailed observational data of NOAA satellite SST (Sea Surface Temperature) was employed. The NOAA satellite SST which is currently provided daily as a seven-day mean value with resolution of 0.1 $^{\circ}$ grid spacing was used instead of the climatologically derived monthly mean SST using in RAMS. In addition, the RAMS SST data must be changed new one because it was constructed in 1993. For more realistic initial meteorological fields, the NOAA satellite SST was incorporated into the RAMS-preprocess package named ISentropic Analysis package (ISAN). When the NOAA SST data was imposed to the initial condition of prognostic RAMS model, the resultant performance of near surface atmospheric fields was discussed and compared with that of default option of SST. We got the good results that the new SST data was made in a standard RAMS format and showed the detailed variation of SST. As the modeling grid became smaller, the SST differences of the NOAA SST run and the RAMS SST43 (default) run in diurnal variation were very minor but this research can apply to further study for the realistic SST situation and the development in predicting regional atmospheric field which imply the regional circulation due to differential surface heating between sea and land or climatological phenomenon.
Journal of Information Technology Applications and Management
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v.30
no.6
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pp.91-111
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2023
This study aims to identify the influencing factors of intention to use cloud services using the SEM-ANN two-step approach. In previous studies of SEM-ANN, SEM presented R2 and ANN presented MSE(mean squared error), so analysis performance could not be compared. In this study, R2 and MSE were calculated and presented by SEM and ANN, respectively. Then, analysis performance was compared and feature importances were compared by sensitivity analysis. As a result, the ANN default model improved R2 by 2.87 compared to the PLS model, showing a small Cohen's effect size. The ANN optimization model improved R2 by 7.86 compared to the PLS model, showing a medium Cohen effect size. In normalized feature importances, the order of importances was the same for PLS and ANN. The contribution of this study, which links structural equation modeling to artificial intelligence, is that it verified the effect of improving the explanatory power of the research model while maintaining the order of importance of independent variables.
Mun, Sun-Yeo;Hwang, Cheol-Hong;Park, Jong Seok;Do, Kyusik
Fire Science and Engineering
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v.27
no.2
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pp.80-88
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2013
The validation of Fire Dynamics Simulator (FDS) was conducted for the under-ventilated fire in well-confined multi-compartments representative of nuclear power plant. Numerical results were compared with experimental data obtained by the OECD/NEA PRISME project. The effects of the numerical boundary conditions (B.C.) in ventilated system and the flame suppression model applied within FDS on the thermal and chemical environments inside the compartment were discussed in details. It was found that numerical B.C. on the vent flow resulting from over-pressure at ignition and under-pressure at extinction should be considered carefully in order to predict accurately the species concentrations rather than temperatures and heat fluxes inside the multi-compartment. The default information of suppression model applied within FDS resulted in artificial phenomena such as flame extinction and re-ignition, and thus the FDS results on the under-ventilated fire showed good agreement with the experimental results as the modified suppression criteria of the fuel used was adopted.
To investigate the optimum x-ray tube design for the dental radiology, factors affecting x-ray beam characteristics such as tungsten target thickness and anode angle were evaluated. Another goal of the study was to addresses the anode heel effect and off-axis spectra for different target angles. MCNPX has been utilized to simulate the diagnostic x-ray tube with the aim of predicting optimum target angle and angular distribution of x-ray intensity around the x-ray target. For simulation of x-ray spectra, MCNPX was run in photon and electron using default values for PHYS:P and PHYS:E cards to enable full electron and photon transport. The x-ray tube consists of an evacuated 1 mm alumina envelope containing a tungsten anode embedded in a copper part. The envelope is encased in lead shield with an opening window. MCNPX simulations were run for x-ray tube potentials of 70 kV. A monoenergetic electron source at the distance of 2 cm from the anode surface was considered. The electron beam diameter was 0.3 mm striking on the focal spot. In this work, the optimum thickness of tungsten target was $3{\mu}m$ for the 70 kV electron potential. To determine the angle with the highest photon intensity per initial electron striking on the target, the x-ray intensity per initial electron was calculated for different tungsten target angles. The optimum anode angle based only on x-ray beam flatness was 35 degree. It should be mentioned that there is a considerable trade-off between anode angle which determines the focal spot size and geometric penumbra. The optimized thickness of a target material was calculated to maximize the x-ray intensity produced from a tungsten target materials for a 70 keV electron energy. Our results also showed that the anode angle has an influencing effect on heel effect and beam intensity across the beam.
Journal of Korean Society of Industrial and Systems Engineering
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v.38
no.3
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pp.39-48
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2015
In this study, granting the optimal loan limit on SME (Small and Medium Enterprise) loans of financial institutions was proposed using the traditional newsvendor model. This study was the first domestic case study that applied the newsvendor model that was mainly used to calculate the optimum order quantity under some uncertain demands to the calculation of the loan limit (debt ceiling) of institutions. The method presented in this study made it possible to calculate the loan limit (debt ceiling) to maximize the revenue of a financial institution using probability functions, applied the newsvendor model setting the order volume of merchandise goods as the loan product order volume of the financial institution, and proposed, through the analysis of empirical data, the availability of additional loan to the borrower and the reduction of the debt ceiling and a management method for the recovery of the borrower who could not generate profit. In addition, the profit based loan money management model presented in this study also demonstrated that it also contributed to some extent to the prediction of the bankruptcy of the borrowing SME (Small and Medium Enterprise), as well as the calculation of the loan limit based on profit, by deriving the result values that the borrowing SME (Small and Medium Enterprise) actually went through bankruptcy at later times once the model had generated a signal of loan recovery for them during the validation of empirical data. accordingly, The method presented in this study suggested a methodology to generated a signal of loan recovery to reduce the losses by the bankruptcy.
Journal of the Korea Society of Computer and Information
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v.24
no.11
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pp.51-59
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2019
Due to the exponential growth of access information on the web, the need for predicting web users' next access has increased. Various models such as markov models, deep neural networks, support vector machines, and fuzzy inference models were proposed to handle web access prediction. For deep learning based on neural network models, training time on large-scale web usage data is very huge. To address this problem, deep neural network models are trained on cluster of computers in parallel. In this paper, we investigated impact of several important spark parameters related to data partitions, shuffling, compression, and locality (basic spark parameters) for training Multi-Layer Perceptron model on Spark standalone cluster. Then based on the investigation, we tuned basic spark parameters for training Multi-Layer Perceptron model and used it for tuning Spark when training Multi-Layer Perceptron model for web access prediction. Through experiments, we showed the accuracy of web access prediction based on our proposed web access prediction model. In addition, we also showed performance improvement in training time based on our spark basic parameters tuning for training Multi-Layer Perceptron model over default spark parameters configuration.
This review provides a comprehensive overview of brain imaging studies of the brain-gut interaction in functional gastrointestinal disorders (FGIDs). Functional neuroimaging studies during gut stimulation have shown enhanced brain responses in regions related to sensory processing of the homeostatic condition of the gut (homeostatic afferent) and responses to salience stimuli (salience network), as well as increased and decreased brain activity in the emotional response areas and reduced activation in areas associated with the top-down modulation of visceral afferent signals. Altered central regulation of the endocrine and autonomic nervous responses, the key mediators of the brain-gut axis, has been demonstrated. Studies using resting-state functional magnetic resonance imaging reported abnormal local and global connectivity in the areas related to pain processing and the default mode network (a physiological baseline of brain activity at rest associated with self-awareness and memory) in FGIDs. Structural imaging with brain morphometry and diffusion imaging demonstrated altered gray- and white-matter structures in areas that also showed changes in functional imaging studies, although this requires replication. Molecular imaging by magnetic resonance spectroscopy and positron emission tomography in FGIDs remains relatively sparse. Progress using analytical methods such as machine learning algorithms may shift neuroimaging studies from brain mapping to predicting clinical outcomes. Because several factors contribute to the pathophysiology of FGIDs and because its population is quite heterogeneous, a new model is needed in future studies to assess the importance of the factors and brain functions that are responsible for an optimal homeostatic state.
KIPS Transactions on Software and Data Engineering
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v.12
no.8
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pp.333-340
/
2023
Efficient prediction of corporate bankruptcy is an important part of making appropriate lending decisions for financial institutions and reducing loan default rates. In many studies, classification models using artificial intelligence technology have been used. In the financial industry, even if the performance of the new predictive models is excellent, it should be accompanied by an intuitive explanation of the basis on which the result was determined. Recently, the US, EU, and South Korea have commonly presented the right to request explanations of algorithms, so transparency in the use of AI in the financial sector must be secured. In this paper, an artificial intelligence-based interpretable classification prediction model was proposed using corporate bankruptcy data that was open to the outside world. First, data preprocessing, 5-fold cross-validation, etc. were performed, and classification performance was compared through optimization of 10 supervised learning classification models such as logistic regression, SVM, XGBoost, and LightGBM. As a result, LightGBM was confirmed as the best performance model, and SHAP, an explainable artificial intelligence technique, was applied to provide a post-explanation of the bankruptcy prediction process.
Corporate bankruptcy can cause great losses not only to stakeholders but also to many related sectors in society. Through the economic crises, bankruptcy have increased and bankruptcy prediction models have become more and more important. Therefore, corporate bankruptcy has been regarded as one of the major topics of research in business management. Also, many studies in the industry are in progress and important. Previous studies attempted to utilize various methodologies to improve the bankruptcy prediction accuracy and to resolve the overfitting problem, such as Multivariate Discriminant Analysis (MDA), Generalized Linear Model (GLM). These methods are based on statistics. Recently, researchers have used machine learning methodologies such as Support Vector Machine (SVM), Artificial Neural Network (ANN). Furthermore, fuzzy theory and genetic algorithms were used. Because of this change, many of bankruptcy models are developed. Also, performance has been improved. In general, the company's financial and accounting information will change over time. Likewise, the market situation also changes, so there are many difficulties in predicting bankruptcy only with information at a certain point in time. However, even though traditional research has problems that don't take into account the time effect, dynamic model has not been studied much. When we ignore the time effect, we get the biased results. So the static model may not be suitable for predicting bankruptcy. Thus, using the dynamic model, there is a possibility that bankruptcy prediction model is improved. In this paper, we propose RNN (Recurrent Neural Network) which is one of the deep learning methodologies. The RNN learns time series data and the performance is known to be good. Prior to experiment, we selected non-financial firms listed on the KOSPI, KOSDAQ and KONEX markets from 2010 to 2016 for the estimation of the bankruptcy prediction model and the comparison of forecasting performance. In order to prevent a mistake of predicting bankruptcy by using the financial information already reflected in the deterioration of the financial condition of the company, the financial information was collected with a lag of two years, and the default period was defined from January to December of the year. Then we defined the bankruptcy. The bankruptcy we defined is the abolition of the listing due to sluggish earnings. We confirmed abolition of the list at KIND that is corporate stock information website. Then we selected variables at previous papers. The first set of variables are Z-score variables. These variables have become traditional variables in predicting bankruptcy. The second set of variables are dynamic variable set. Finally we selected 240 normal companies and 226 bankrupt companies at the first variable set. Likewise, we selected 229 normal companies and 226 bankrupt companies at the second variable set. We created a model that reflects dynamic changes in time-series financial data and by comparing the suggested model with the analysis of existing bankruptcy predictive models, we found that the suggested model could help to improve the accuracy of bankruptcy predictions. We used financial data in KIS Value (Financial database) and selected Multivariate Discriminant Analysis (MDA), Generalized Linear Model called logistic regression (GLM), Support Vector Machine (SVM), Artificial Neural Network (ANN) model as benchmark. The result of the experiment proved that RNN's performance was better than comparative model. The accuracy of RNN was high in both sets of variables and the Area Under the Curve (AUC) value was also high. Also when we saw the hit-ratio table, the ratio of RNNs that predicted a poor company to be bankrupt was higher than that of other comparative models. However the limitation of this paper is that an overfitting problem occurs during RNN learning. But we expect to be able to solve the overfitting problem by selecting more learning data and appropriate variables. From these result, it is expected that this research will contribute to the development of a bankruptcy prediction by proposing a new dynamic model.
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