• Journal of KIISE:Software and Applications
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• v.32 no.11
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• pp.1111-1120
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• 2005

In collaborative filtering systems most users do not rate preferences; so User-Item matrix shows great sparsity because it has missing values for items not rated by users. Generally, the systems predict the preferences of an active user based on the preferences of a group of users. However, default voting methods predict all missing values for all users in User-Item matrix. One of the most common methods predicting default voting values tried two different approaches using the average rating for a user or using the average rating for an item. However, there is a problem that they did not consider the characteristics of items, users, and the distribution of data set. We replace the missing values in the User-Item matrix by the default noting method using user coefficient of variance. We select the threshold of user coefficient of variance by using equations automatically and determine when to shift between the user averages and item averages according to the threshold. However, there are not always regular relations between the averages and the thresholds of user coefficient of variances in datasets. It is caused that the distribution information of user coefficient of variances in datasets affects the threshold of user coefficient of variance as well as their average. We decide the threshold of user coefficient of valiance by combining them. We evaluate our method on MovieLens dataset of user ratings for movies and show that it outperforms previously default voting methods.

• Communications for Statistical Applications and Methods
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• v.15 no.1
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• pp.137-145
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• 2008

We present formulas for two types of cap pricing under fBm-HJM model reflecting the empirical long range dependence in the interest rate model. In particular, we propose a new approach to pricing the cap with the default risk.

• Korean Journal of Acupuncture
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• v.28 no.4
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• pp.91-99
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• 2011

Objectives : The purpose of our investigation is to determine degrees of concordance rate among interpreters. Furthermore, we have examined how much concordance rate to come out when beginners have been compared with the pulse analyzer. Methods : Thirty-nine volunteers were enrolled for this study. These subjects took a 5-minute rest in a sitting position as instructed by the protocol. As they were not allowed to move or speak, radial artery pulse conditions were measured on the lower arm of each subject by means of the pulse analyzer under investigation. Two Korean medical doctors, who did not know the status of default pulse conditions, were also instructed to intuitively choose the most corresponding one in comparison with 13 default pulse conditions. Subsequently, we investigated results between interpreters as well as results between interpreter and pulse analyzer. Results : The total concordance rate, with similar concordance rates being included, between interpreters, between interpreter A and pulse analyzer, and between interpreter B and pulse analyzer was 56.4%, 79.5%, and 71.8% respectively. In faint fine weak pulse(微細弱脈) case, interpreter A and B selected 6 and 7 cases respectively, matched the concordance rate 5, and corresponded separately with the pulse analyzer interpreting 8 cases. Conclusions : In case of skipping pulse 2(促2脈), short pulse(短脈), faint fine weak pulse(微細弱脈), the concordance between interpreters also matches with results drawn from the pulse analyzer. The concordance rate goes higher in proportion with such smaller pulse conditions as faint fine weak pulse(微細弱脈) and short pulse(短脈).

• Journal of Climate Change Research
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• v.6 no.4
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• pp.257-265
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• 2015

For estimating a net removal of carbon dioxides from a forest carbon offset project, it is necessary to consider secondary emissions occurred from the use of machineries or vehicles. According to the forest carbon standard in Korea, a default rate (5%) could be applied for estimating secondary emissions of small projects, which provide annual net removals less than or equal to $600tCO_2$, while secondary emissions should be estimated for larger projects with field survey. In this study, we intended to develop a methodology for estimating the secondary emission of a forest carbon project. For this purpose, we analyzed the working process and the carbon emissions of the forest management activities for major tree species in Korea. Based on the developed methodology, we estimated the secondary carbon emission of a reforestation project. The result showed that the secondary carbon emission of a reforestation project was estimated between 0.42% and 1.19 % compared to net removals, that is to say that the current default rate in the forest carbon standard could give an overestimated secondary emission.

• Asian Pacific Journal of Cancer Prevention
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• v.17 no.2
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• pp.569-573
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• 2016

Background: A colorectal cancer screening program was piloted in two districts of Kedah in 2013. There is scarcity of information on colorectal cancer screening in Malaysia. Objective: Thus, this research was conducted to evaluate the colorectal cancer screening program in the districts to provide insights intop its efficacy. Materials and Methods: A cross sectional study was conducted using data on the colorectal cancer screening program in 2013 involving Kota Setar and Kuala Muda districts in Malaysia. We determined the response rate of immunochemical fecal occult blood test (iFOBT), colonoscopy compliance, and detection rates of neoplasia and carcinoma. We also compared the response of FOBT by demographic background. Results: The response rate of FOBT for first iFOBT screening was 94.7% while the second iFOBT screening was 90.7%. Participants from Kuala Muda district were 27 times more likely to default while Indians had a 3 times higher risk of default compared to Malays. The colonoscopy compliance was suboptimal among those with positive iFOBT. The most common finding from colonoscopy was hemorrhoids, followed by tubular adenoma. Detection rate of carcinoma and neoplasia for our program was 1.2%. Conclusions: In summary, the response rate of iFOBT was encouraging but the colonoscopy compliance was suboptimal which led to a considerably low detection rate.

• The Journal of the Korea Contents Association
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• v.15 no.7
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• pp.531-543
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• 2015

Benjamin, Lusht, and Shilling(1998) suggested that the level of deposit can be used as a tool to resolve the problem of adverse selection by the leaseholder under the circumstance of information asymmetry. In this respect, this research aims to verify how the level of deposit and monthly rent mitigate the problem of information asymmetry existing in the office market in Seoul. So far, the analysis of the office market in Seoul has been difficult due to the fixed rate of deposit and monthly rent. This research attempts to adopt the concept of occupancy cost, a global standard indicator that would replace the default risk of monthly payment for analyzing the market. As a result of a series of empirical analysis, the lessors tend to add about 9 percent of risk premium to the occupancy cost to hedge against the default risk of monthly payment. It allows for estimating at what extent one should reflect the leaseholder's default risk of monthly payment for operating deposit and monthly rent in the office building lease market.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.15 no.10
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• pp.3627-3641
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• 2021

Fintech, which stands for financial technology, is growing fast globally since the economic crisis hit the United States in 2008. Fintech companies are striving to secure a competitive advantage over existing financial services by providing efficient financial services utilizing the latest technologies. Fintech companies can be classified into several areas according to their business solutions. Among the Fintech sector, peer-to-peer (P2P) lending companies are leading the domestic Fintech industry. P2P lending is a method of lending funds directly to individuals or businesses without an official financial institution participating as an intermediary in the transaction. The rapid growth of P2P lending companies has now reached a level that threatens secondary financial markets. However, as the growth rate increases, so does the potential risk factor. In addition to government laws to protect and regulate P2P lending, further measures to reduce the risk of P2P lending accidents have yet to keep up with the pace of market growth. Since most P2P lenders do not implement their own credit rating system, they rely on personal credit scores provided by credit rating agencies such as the NICE credit information service in Korea. However, it is hard for P2P lending companies to figure out the intentional loan default of the borrower since most borrowers' credit scores are not excellent. This study analyzed the voices of telephone conversation between the loan consultant and the borrower in order to verify if it is applicable to determine the personal credit score. Experimental results show that the change in pitch frequency and change in voice pitch frequency can be reliably identified, and this difference can be used to predict the loan defaults or use it to determine the underlying default risk. It has also been shown that parameters extracted from sample voice data can be used as a determinant for classifying the level of personal credit ratings.

• Journal of Korean Library and Information Science Society
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• v.21
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• pp.253-289
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• 1994

The purpose of this study is about the search pattern of LINNET (Library Information Network System) OPAC users by transaction log, maintained by POSTECH(Pohang University of Science and Technology) Central Library, to provide feedback information of OPAC system design. The results of this study are as follows. First, for the period of this analysis, there were totally 11, 218 log-ins, 40, 627 transaction logs and 3.62 retrievals per a log-in. Title keyword was the most frequently used, but accession number, bibliographic control number or call number was very infrequently used. Second, 47.02% of OPAC, searches resulted in zero retrievals. Bibliographic control number was the least successful search. User displayed 2.01% full information and 64.27% local information per full information. Third, special or advanced retrieval features are very infrequently used. Only 22.67% of the searches used right truncation and 0.71% used the qualifier. Only 1 boolean operator was used in every 22 retrievals. The most frequently used operator is 'and (&)' with title keywords. But 'bibliographical control number (N) and accessionnumber (R) are not used at all with any operators. The causes of search failure are as follows. 1. The item was not used in the database. (15, 764 times : 79.42%). 2. The wrong search key was used. (3, 761 times : 18.95%) 3. The senseless string (garbage) was entered. (324 times : 1.63%) On the basis of these results, some recommendations are suggested to improve the search success rate as follows. First, a n.0, ppropriate user education and online help function let users retrieve LINNET OPAC more efficiently. Second, several corrections of retrieval software will decrease the search failure rate. Third, system offers right truncation by default to every search term. This methods will increase success rate but should considered carefully. By a n.0, pplying this method, the number of hit can be overnumbered, and system overhead can be occurred. Fourth, system offers special boolean operator by default to every keyword retrieval when user enters more than two words at a time. Fifth, system assists searchers to overcome the wrong typing of selecting key by automatic korean/english mode change.

• Journal of the Korean Data and Information Science Society
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• v.28 no.3
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• pp.605-615
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• 2017

Recently, financial supervisory authority of Korea and international credit rating agencies have been concerned about a stand-alone rating that is calculated without incorporating guaranteed support of parent companies. Guaranteed by parent companies, most foreign subsidiaries keeps good credit rate in spite of weak financial status. However, what if the parent companies stop supporting the foreign subsidiaries, they could have a probability to go bankrupt. In this paper, we have validated a credit rating model through statistical measurers such as performance, calibration, and stability for Korean companies owning foreign subsidiaries.

• Journal of the Korean Data and Information Science Society
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• v.22 no.4
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• pp.619-630
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• 2011

In order to estimate an appropriate threshold and evaluate its performance for the data mixed with two different distributions, nine kinds of well-known classification accuracy measures such as MVD, Youden's index, the closest-to- (0,1) criterion, the amended closest-to- (0,1) criterion, SSS, symmetry point, accuracy area, TA, TR are clustered into five categories on the basis of their characters. In credit evaluation study, it is assumed that the score random variable follows normal mixture distributions of the default and non-default states. For various normal mixtures, optimal cut-off points for classification measures belong to each category are obtained and type I and II error rates corresponding to these cut-off points are calculated. Then we explore the cases when these error rates are minimized. If normal mixtures might be estimated for these kinds of real data, we could make use of results of this study to select the best classification accuracy measure which has the minimum error rate.