• 인터넷정보학회논문지
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• 제7권1호
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• pp.121-130
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• 2006

차세대 무선 네트워크에서는 응용들이 실시간 선불 서비스를 제공해야 하며, 최종 사용자에게 서비스를 제공하기 이전에 요청된 서비스에 대해 신용을 사전 체크하여야 한다. 또한 선불서비스를 효과적으로 제공하기 위해서는 신용제어 기능이 최소한의 지연만을 가져야 한다. 본 논문에서는 모바일 IPv6 환경에서 실시간 신용제어가 가능한 권한검증 구현 모델을 제안하였다. 제안한 모델은 일반적인 신용제어 권한검증 절차와 모바일 IPv6 인증 절차를 통합한 구조를 갖는다. 지연을 최소화하기 위해 제안한 모델을 싱글 서버 내에 구현하였으며, 이 시스템은 권한검증과 인증을 동시에 수행한다. 구현한 시스템의 구현구조를 소프트웨어 기능 블록과 유니트 형태로 제시하였다. 구현한 모델의 feasibility를 검증하기 위해서 구현한 시스템의 지연을 측정하였으며 측정 시, 몇 가지 인증 확장 프로토콜 (EAP)을 적용하였다. 측정된 결과에 따르면 신용제어 권한검증과 인증이 분리된 기존 모델과 비해서 제안한 통합 모델이 상대적으로 지연시간이 적었다.

• 지식경영연구
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• 제11권2호
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• pp.95-109
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• 2010

The objectives of this study are to identify the survival function (hazard function) of small and medium enterprises by using technology rating data for the companies guaranteed by Korea Technology Finance Corporation (KOTEC), and to figure out the factors that affects their survival. To serve the purposes, this study uses Kaplan-Meier Analysis as a non-parametric method and Cox proportional hazards model as a semi-parametric one. The 17,396 guaranteed companies that assessed from July 1st in 2005 to December 31st in 2009 are selected as samples (16,504 censored data and 829 accident data). The survival time is computed with random censoring (Type III) from July in 2005 as a starting point. The results of the analysis show that Kaplan-Meier Analysis and Cox proportional hazards model are able to readily estimate survival and hazard function and to perform comparative study among group variables such as industry and technology rating level. In particular, Cox proportional hazards model is recognized that it is useful to understand which technology rating items are meaningful to company's survival and how much they affect it. It is considered that these results will provide valuable knowledge for practitioners to find and manage the significant items for survival of the guaranteed companies through future technology rating.

• 한국정보기술응용학회:학술대회논문집
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• 한국정보기술응용학회 2005년도 6th 2005 International Conference on Computers, Communications and System
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• pp.281-284
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• 2005

Kerberos is system that offer authorization in internet and authentication service. Can speak that put each server between client and user in distributed environment and is security system of symmetry height encryption base that offer authentication base mutually. Kerberos authentication is based entirely on the knowledge of passwords that are stored on the Kerberos Server. A user proves her identity to the Kerberos Server by demonstrating Knowledge of the key. The fact that the Kerberos Server has access to the user's decrypted password is a rwsult of the fact that Kerberos does not use public key cryptogrphy. It is a serious disadvantage of the Kerbercs System. The Server must be physically secure to prevent an attacker from stealing the Kerberos Server and learning all of the user passwords. Kerberos was designend so that the server can be stateless. The Kerberos Server simply answers requests from users and issues tickets. This study focused on designing a SIP procy for interworking with AAA server with respect to user authentication and Kerberos System. Kerberos is security system of encryption base that offer certification function mutually between client application element and server application element in distributed network environment. Kerberos provides service necessary to control whether is going to approve also so that certain client may access to certain server. This paper does Credit-Control Server's function in AAA system of Diameter base so that can include Accounting information that is connected to Rating inside certification information message in Rating process with Kerberos system.

• 한국산학기술학회논문지
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• 제12권5호
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• pp.2108-2114
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• 2011

한국기업에는 한국특유의 기업집단 형태인 재벌기업집단이 있고 그 영향도 매우 크다. 재벌의 경제에 미치는 영향도 매우 커서 이에 따른 경제정책도 많은 변화가 있어 왔다. Propping은 지배주주가 일방적 이익을 위해 계열사의 소수주주의 부를 착취하는 tunneling의 개념과는 달리 재벌기업집단의 전체이익을 위해 재벌기업내의 자원을 공유하며 상호 지원과 위험의 공유할 수 있다는 개념이다. 재벌계열기업 간 propping을 분석하는 것은 그룹내의 여러가지 중요문제를 풀고 재벌에 대한 규제정책에 대한 중요한 핵심을 주는 결정적 키가 될 수 있다. 본 논문의 사건연구결과를 보면 신용등급변경 전후의 누적초과수익률(CAR)은 신용등급이 상향 조정되었우 때에 유의한 주가반응이 없었으나 하향변경의 경우 재벌, 비재벌 모두 유의한 음의 반응을 보였고 특히, 하향변경의 경우 재벌그룹에 속한 기업군이 상대적으로 평균적 초과수익률의 하락 정도가 매우 낮음을 보여주고 있어서 재벌집단기업의 propping 현상이 존재한다는 것을 입증하고 있다. 2002년 실시한 상호출자제한제도를 전후한 다중회귀분석에서도 상호출자제한제도 이후 신용등급 하향조정시 propping 효과를 크게 감소시킨 것으로 나타나 재벌기업에 대한 규제정책과 propping효과와 매우 관계가 깊은 것으로 분석되었다.

• 통상정보연구
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• 제14권4호
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• pp.297-315
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• 2012

본 연구에서는 한국의 수출상대국 112국의 2005년과 2009년도 자료를 이용하여 중력모형을 통해 수출보험과 한국의 수출상대국의 국가신용도가 우리나라 수출에 미치는 효과를 글로벌 금융위기 이전과 이후로 구분하여 분석을 실시하였다. 본 연구의 모형에 사용된 변수를 살펴보면, 한국의 수출을 종속변수로 하고, 한국의 수출 상대국의 실질 GDP, 한국과 한국의 수출상대국과의 거리, 수출보험인수실적, 한국의 수출상대국의 국가신용도, FTA 등을 독립변수로 사용하였다. 분석결과 수출보험인수실적과 수출상대국의 국가신용도는 한국의 수출에 양(+)의 효과를 가지는 것으로 분석되었다. 또한 글로벌 금융위기 발생 이후 한국의 수출에서 수출보험의 중요성이 더욱 증대된 반면, 수출상대국의 경제규모의 중요성은 감소되었다. 특히. 글로벌 금융위기 이후 국가신용등급의 수출에 대한 영향력이 감소하였는데, 이는 금융위기 이후 수출보험 증대에 따른 것으로 판단된다. 따라서 향후 세계경제침체가 지속될 것으로 예측되는바 우리나라의 안정적인 수출을 위해 수출보험의 지속적인 확대가 필요할 것으로 보인다. 이와 관련하여 글로벌 경제침체가 지속될 경우 대기업보다는 중소기업의 수출에 더 큰 타격을 줄 수 있기 때문에 중소기업에 대한 보다 많은 지원을 확대할 필요성이 있다.

• 응용통계연구
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• 제22권2호
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• pp.237-248
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• 2009

신용평가 연구에서 부도와 정상의 분포함수들의 동일성을 검정하는 비모수적 방법으로 Kolmogorov-Smirnov 검정법 이외에 Clamor-Yon Mises, Anderson-Darling, Watson 검정방법을 소개한다. 부도와 정상의 분포함수들의 선형결합된 부도율의 분포함수에 관한 전체적인 정보는 파악되어 잘 알고 있다. 모집단의 분포함수를 알고 있다는 가정 하에 Clamor-Von Mises, Anderson-Darling, Watson 검정통계량의 수정통계량을 제안한다. 신용평가자료와 유사한 성격을 갖는 다양한 부도율의 확률분포로부터 스코어를 생성하여 본 연구에서 제안한 수정통계량을 비교 토론한다.

• 산업경영시스템학회지
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• 제21권48호
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• pp.133-144
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• 1998

International capital movement has made progress at global liberalization of finance and foreign exchange, international monetary norm changing into floating exchange rate system, easiness of collection of information and trade at improvement of information communication technology from early of 1970's. Results of empirical test for relation between foreign exchange rate or various determination factors of foreign exchange rate and interest rate are followed by next sentences. First, according to relation between foreign exchange rate and interest rate, correlation for each of variables after OECD entrance is increased. But, long-term & short-term interest rate is affected by Hanbo & Kia's bankruptcy, continuous large scale corporates bankruptcy and crisis of foreign exchange. Therefore, financial instability is occured. If portfolio investment fund has been inflow as it is mollified by continuous shortage of foreign exchange and fall of country's credit rating, it is expected to have positive effect for long-term & short-term interest rate from appreciation of won against dollar. Second, results from relation between determination factor of foreign exchange rate and interest rate are followed by next sentences. If surplus of current account and goods account is continued, yield of corporate bond is to be stable. But, margin of surplus is expected to diminish after second quarter 98, and difference between external and domestic interest (after adjusting foreign exchange rate) is to be diminished. And if net inflows of foreign investor's fund (stock and bond) is diminished, it is to have negative effect for yield of corporate bond. According to foreign investor's investment movement of previous years, hedge fund were stayed at least during two years in Mexico. It means that sudden capital outflow is not to be happened at Korea. But if external factors from depreciation of yen and China's renminbi are instable, interest rate is expected to increase from capital's outflows. Third, if it is to decrease instability of foreign exchange rate from increase in surplus of future current account, credit rating's upwardness, stability of yen and renminbi, foreign exchange rate is expected to be stable. It is expected to have continuous stability from short-term interest rate to long-term interest rate in this empirical test.

• 대한안전경영과학회:학술대회논문집
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• 대한안전경영과학회 2002년도 추계학술대회
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• pp.305-319
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• 2002

International capital movement has made progress at global liberalization of finance and foreign exchange, international monetary norm changing into floating exchange rate system, easiness of collection of information and trade at improvement of information communication technology from early of 1970's. Results of empirical test for relation between foreign exchange rate or various determination factors of foreign exchange rate and interest rate are followed by next sentences. First, according to relation between foreign exchange rate and interest rate, correlation for each of variables after OECD entrance is increased. But, long-term ＆short-term interest rate is affected by Hanbo ＆ Kia's bankruptcy, continuous large scale coporates bankruptcy and crisis of foreign exchange. Therefore, financial instability is occured. If portfolio investment fund has been inflow as it is mollified by continuous shortage of foreign exchange and fall of country's credit rating, it is expected to have positive effect for long-term & short-term interest rate from appreciation of won against dollar. Second, results from relation between determination factor of foreign exchange rate and interest rate are followed by next sentences. If surplus of current account and goods account is continued, yield of corporate bond is to be stable. But, margin of surplus is expected to diminish after second quarter 98, and difference between external and domestic interest (after adjusting foreign exchange rate) is to be diminished. And if net inflows of foreign investor's fund (stock and bond) is diminished, it is to have negative effect for yield of corporate bond. According to foreign investor's investment movement of previous years, hedge md were stayed at least during two years in Mexico. It means that sudden capital outflow is not to be happened at Korea. But if external factors from depreciation of yen and China's renminbi are instable, interest rate is expected to increase from capital's outflows. Third, if it is to decrease instability of foreign exchange rate from increase in surplus of future current account, credit rating's upwardness, stability of yen and renminbi, foreign exchange rate is expected to be stable. It is expected to have continuous stability from short-term interest rate to long-term interest rate in this empirical test.

• Journal of Korea Trade
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• 제26권4호
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• pp.63-82
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• 2022

Purpose - Drawing on relational institutional theory, we explored how demographic similarity between board members of a firm and newly emerged political elites led to firms' increased financial resource acquisition such as leverage ratio and decreased export intensity amidst the Asian financial crisis. We also studied how a firm's leverage ratio and export intensity can further affect firm profitability and financial credit rating. Design/methodology - We revisited and explored a unique, unprecedented crisis that affected most Korean firms: the Asian financial crisis that coincided with a governmental shift from a conservative to a liberal party. We collected demographic information from 432 listed Korean firms' board members and 43 political elites of the Blue House from 1998-2000 to create a demographic similarity measurement. We collected firms' financial information, built panel data, and used ordinary least squares regression to test our theory. Findings - Our results showed that demographic similarity between a firm's directors and newly emerged politicians had a positive association with a firm's leverage ratio but a negative association with a firm's export intensity. A firm's leverage ratio had a negative relationship with firm performance measured by firm profitability and financial credit rating. A firm's export intensity showed a positive effect on firm performance. Originality/value - We highlighted that during an economic crisis that coincided with a governmental shift and change of leading political actors, firms exerted efforts to survey the environment and build new external stakeholder relationships to cope with the changing landscape. We proposed that in an emerging market like Korea where low levels of trust and favoritism are prevalent across society, one of the relational institutional strategies that firms can employ is the selection of directors with similar demographic characteristics to political elites based on factors including birthplace and school affiliations. We examined the efforts of firms to build political networks with newly empowered political elites during a financial crisis, and the consequences of establishing such networks. We highlighted that during a financial crisis, the demographic similarity between a firm's board members and newly emerged politicians can provide firms with access to financial resources but can also result in poor management and reduced effort to enhance its international competitiveness.

• 산업융합연구
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• 제21권6호
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• pp.1-11
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• 2023

본 연구의 목적은 신용보증기금으로부터 투자받은 기업의 비재무정보를 활용하여 기업 부실에 영향을 주는 요인들을 검증하는 것이다. 본 연구에서는 2014년 3월부터 2022년 12월말까지 신용보증기금에서 투자받은 594개(정상기업 525개, 부실기업 69개) 기업을 표본으로 선정하였다. 기업의 비재무정보를 창업자 특성정보, 기업 특성정보, 기업 투자정보로 구분하여 교차분석과 로지스틱회귀분석을 실시하였다. 교차분석 결과 개인신용등급, 업종, 공동투자여부가 유의한 변수로 선정되었고, 그 변수들을 대상으로 로지스틱회귀분석을 실시하여 개인신용등급, 공동투자여부 등 2개 변수가 부실의 중요한 요인으로 선택되었다. 기업경영에 있어 창업자의 개인신용과 투자지원시 공동투자의 중요성을 알 수 있었다. 중소벤처기업에 투자를 지원하는 기관이 이러한 결과를 심사에 반영하고, 민간투자기관과의 협력관계를 체계적으로 구축하면 부실을 최소화하는데 도움이 될 것이다. 본 연구를 통해 공공기관의 직접투자를 지원받는 기업의 부실에 영향을 미치는 요인들에 대하여 더욱 관심을 갖는 계기가 마련되길 바란다.