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Bankruptcy Prediction with Explainable Artificial Intelligence for Early-Stage Business Models

  • Tuguldur Enkhtuya;Dae-Ki Kang
    • International Journal of Internet, Broadcasting and Communication
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    • v.15 no.3
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    • pp.58-65
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    • 2023
  • Bankruptcy is a significant risk for start-up companies, but with the help of cutting-edge artificial intelligence technology, we can now predict bankruptcy with detailed explanations. In this paper, we implemented the Category Boosting algorithm following data cleaning and editing using OpenRefine. We further explained our model using the Shapash library, incorporating domain knowledge. By leveraging the 5C's credit domain knowledge, financial analysts in banks or investors can utilize the detailed results provided by our model to enhance their decision-making processes, even without extensive knowledge about AI. This empowers investors to identify potential bankruptcy risks in their business models, enabling them to make necessary improvements or reconsider their ventures before proceeding. As a result, our model serves as a "glass-box" model, allowing end-users to understand which specific financial indicators contribute to the prediction of bankruptcy. This transparency enhances trust and provides valuable insights for decision-makers in mitigating bankruptcy risks.

Effect of Emulsified Refine Cooking Oil and Expandable Microsphere on Durability of High-Volume Blast Furnace Slag Concrete (정제유지류 및 팽창성 인공 기포 조합이 고로슬래그 다량치환 콘크리트의 내구성 및 미시적 특성에 미치는 영향)

  • Han, Min-Cheol;Han, Dongyeop;Lee, Myung-Ho
    • Journal of the Korea Institute of Building Construction
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    • v.15 no.2
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    • pp.201-207
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    • 2015
  • In this paper, a series of experiments was conducted to evaluate the resistibility of carbonation and freeze-thawing damage of the high-volume blast furnace slag concrete using expancel, the expandable microsphere, and ERCO, emulsified refine cooking oil. The concrete mixture of 0.45 water-to-binder ratio with 60% of blast furnace slag was evaluated for carbonation, freeze-thawing resistibility, SEM, and porosity. According to the previous research, replacing ERCO contributes on improving carbonation resistibility with capillary pore filling effect by soap foaming reaction of ERCO while significantly decreased freeze-thawing resistibility. To improve this decreased freeze-thawing resistibility, expancel was used, and thus freeze-thawing resistibility was improved as the replacement ratio of expancel was increased. It is considered that the selective volume shrunken effect of expancel due to the external pressure and decreased air void spacing factor due to expancel.

Numerical optimization via ALM method (ALM방법에 의한 수치해석적 최적화)

  • 김민수;이재원
    • Journal of the korean Society of Automotive Engineers
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    • v.11 no.2
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    • pp.24-33
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    • 1989
  • 본 고에서는 이러한 추세에 따라서, 보다 효율적인 optimization program에 대해서 소개하고자 한다. 사용한 최적화 알고리즘은 ALM(augmented lagrange multiplier) 방법을 적용해서 구속조건이 있는 문제를 구속조건이 없는 문제로 변환한 후, self-scaling BFGS(broydon-flecher-goldfarb-schanno)를 적용한다. BFGS의 각 descent 방향에서의 step 길이는, sequential search로 unimodal point를 구해서, golden section 방법으로 refine을 한후, cubic approximation을 적용해서 구한다.

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A NOTE ON VARIATION CONTINUITY FOR MULTILINEAR MAXIMAL OPERATORS

  • Xiao Zhang
    • Bulletin of the Korean Mathematical Society
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    • v.61 no.1
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    • pp.207-216
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    • 2024
  • This note is devoted to establishing the variation continuity of the one-dimensional discrete uncentered multilinear maximal operator. The above result is based on some refine variation estimates of the above maximal functions on monotone intervals. The main result essentially improves some known ones.

Free Vibration Analysis of Aboveground LNG-Storage Tanks by the Finite Element Method

  • Cho, Jin-Rae;Lee, Jin-Kyu;Song, Jeong-Mok;Park, Suk-Ho;Lee, Joong-Nam
    • Journal of Mechanical Science and Technology
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    • v.14 no.6
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    • pp.633-644
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    • 2000
  • Recently, in proportion to the increase of earthquake occurrence-frequency and its strength in the countries within the circum-pan Pacific earthquake belt, a concept of earthquake-proof design for huge structures containing liquid has been growing up. This study deals with the refinement of classical numerical approaches for the free vibration analysis of separated structure and liquid motions. According to the liquid-structure interaction, LNG-storage tanks exhibit two distinguished eigenmodes, the sloshing mode and the bulging mode. For the sloshing -mode analysis, we refine the classical rigid-tank model by reflecting the container flexibility. While, for the bulging-mode analysis, we refine the classical uncoupled structural vibration system by taking the liquid free-surface fluctuation into consideration. We first construct the refined dynamic models for both problems, and present the refined numerical procedures. Furthermore, in order for the efficient treatment of large-scale matrices, we employ the Lanczos iteration scheme and the frontal-solver for our test FEM program. With the developed program we carry out numerical experiments illustrating the theoretical results.

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IMPROVEMENT OF GAS TUNGSTEN ARC WELDABILITY FOR FERRlTIC STAINLESS STEELS

  • Cui Li;Jeong, Ho-shin;Park, Byung-Il;Kim, Sung-Kab
    • Proceedings of the KWS Conference
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    • 2002.10a
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    • pp.107-112
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    • 2002
  • Ferritic stainless steels would be the most important alloys under the chloride environment. They are a cheaper alternative to austenitic stainless steels [1]. The present study is related to gas tungsten arc welding (GTAW) characteristics of Type 444 stainless steels. The heat of welding leads to grain coarsening in the HAZ and in the weld metal of ferritic stainless steels because they solidify directly from the liquid to the ferritc phase without any intermediate phase transformation. It is therefore recommended that these alloys be welded with a low heat input and at high welding speeds. Attempts to improve weldability were made by using of direct current straight polarity (DCSP) and pulsed current GTAW processes in this study. Measuring weld bead, grain size and Erichsen test were performed and the effects of heat input, pulse frequency on the weld metal and HAZ were studied. The main results were obtained as followings: decreasing heat input was effective to control the width of weld both in DCSP welding and in pulsed current welding; pulsed current welding was found to refine the grain size effectively and the finest grain size was found at the frequency of 150Hz in pulsed current welding; it was found that decreasing heat input also refine the HAZs effectively and the frequency had no different effect on HAZ at the same heat input; the ductility could be improved effectively in pulsed current welding.

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Practical Vibration Analysis for the Floor of Dwelling Building (공동주택 바닥판에 대한 실용적인 진동해석)

  • Park, Kang-Geun;Kim, Yong-Tae;Choi, Young-Wha
    • Journal of Korean Association for Spatial Structures
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    • v.6 no.1 s.19
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    • pp.65-73
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    • 2006
  • In these days the floor vibration is beginning to make its appearance of the environmental dispute in dwelling building. Standard floor system are suggested for the settlement of this issue by government. The sound of floor impact sound is needed to secure comfortable quality in housing. Also, it is required an accurate analysis and a proper evaluation for floor vibration. Refine model is necessary for the floor system of housing to analyze accurately the floor vibration. But this refine model is not efficient because it is required so much running time for vibration analysis and it is difficult of modeling of standard floor slab. In this paper, new modeling methods of standard floor slab are proposed for the accurate rigidity evaluation. By using the new modeling method, the accurate vibration response can be obtained and can accurately evaluate the rigidity of standard floor system with resilient materials. Therefore the proposed modeling method is of practical use for vibration analysis of floor system of housing.

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Review of Ancient Wisdom of Qanat, and Suggestions for Future Water Management

  • Taghavi-Jeloudar, Mohsen;Han, Mooyoung;Davoudi, Mohammad;Kim, Mikyeong
    • Environmental Engineering Research
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    • v.18 no.2
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    • pp.57-63
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    • 2013
  • Arid areas have a significant problem with water supply due to climate change and high water demand. More than 3,000 years ago, Persians started constructing elaborate tunnel systems called Qanat for extracting groundwater for agriculture and domestic usages in arid and semi-arid areas and dry deserts. In this paper, it has been demonstrated that ancient methods of water management, such as the Qanat system, could provide a good example of human wisdom to battle with water scarcity in a sustainable manner. The purpose of this paper is twofold: Review of old wisdom of Qanat-to review the history of this ancient wisdom from the beginning until now and study the Qanat condition at the present time and to explore why (notwithstanding that there are significant advantages to the Qanat system), it will no longer be used; and suggestions for future water management-to suggest a number of new methods based on new materials and technology to refine and protect Qanats. With these new suggestions it could be possible to refine and reclaim this method of extracting water in arid areas. Also, a new multi-purpose water management model has been introduced based on rainwater infiltration management over the Qanat system as the model can be applied either in dry or wet cities to solve current urban water problems.

Developing a Scale to Measure Brand Image Attributes of Fashion Brands -Focused on Attribute Symbolism- (패션 브랜드의 브랜드 이미지 측정 도구 개발 -속성 상징성을 중심으로-)

  • Shim, Soo In;Lee, Yuri
    • Journal of the Korean Society of Clothing and Textiles
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    • v.41 no.6
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    • pp.977-993
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    • 2017
  • In this study, we develop a scale to measure brand image attributes related to the symbolic use of fashion brands, and then, test the validity and reliability of the scale. In Study 1, a comprehensive literature review was conducted to generate the initial set of measurement items. Nominal Group Technique was subsequently conducted to refine the measurement items in a qualitative way. In Study 2, an expert survey was performed to further refine the measurement items in a quantitative way. In Study 3, a consumer survey was performed to determine the final set of measurement items and validate it. The scale of brand attribute symbolism consists of 21 items with six factors (i.e., Strength, Intellect, Cheerfulness, Traditional Femininity, Nature, and Affordability). The six-factor, 21-item scale is found valid and reliable. Implications, limitations of this study, and suggestions for future research are also discussed.

Image Retrieval using Adaptable Weighting Scheme on Relevance Feedback (사용자 피드백 기반의 적응적 가중치를 이용한 정지영상 검색)

  • 이진수;김현준;윤경로;이희연
    • Journal of Broadcast Engineering
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    • v.5 no.1
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    • pp.61-67
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    • 2000
  • Generally, relevance, feedback reflecting user's intention has been used to refine the refine the query conditions in image retrieval. However, in this paper, the usage of the relevance feedback is extended to the image database categorization so as to be accommodated to the user independent image retrieval. In our approach, to guarantee a desirable user-satisfactory performance descriptors and the elements of the descriptors corresponding unique features associatiated with of each image are weighted using the relevance feedback where experts can more lead rather than beginners do. In this paper, we propose a proper image description scheme consisting of global information, local information, descriptor weights and element weights based on color and texture descriptors. In addition, we also introduce an appropriate learning method based on the reliability scheme preventing wrong learning from abusive feedback.

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