Open banking, the global trend of the financial industry, is the driving force behind various innovations in the financial market in the future. The right policy direction and detailed tasks are important for triggering the differentiation and reunion of the financial industry. The purpose of this study is to investigate and analyze the background of open banking, domestic and international trends, and Korea's open banking policy. The policy directions and tasks for successful settlement and activation of open banking system are carefully suggested. Open banking is a policy to allow third party provider(TPP) access to bank accounts and open payment functions under the explicit consent of the customer. The opening of the open banking era is expected to begin competition and cooperation between banks and fintech companies in earnest, thus enhancing the competitiveness of the financial industry and contributing to the utility of financial consumers. To this end, policymakers should make every effort to advance open-ended financial settlement infrastructure, open banking legal grounds, and minimize side effects such as customer data leakage and poor financial system stability. Banks and fintech companies will need to focus on scattered customer financial information on a single platform and develop it into a convergence and discrimination of true financial services.
Jeong, Yeonung;Lim, Gwi Hwan;Park, Su Hyeon;Kim, Joo Hyung;Kim, Tae-Sang
Journal of the Korea institute for structural maintenance and inspection
/
v.24
no.4
/
pp.55-63
/
2020
This study investigates the mechanical properties and reaction products of activated slag pastes depending on gypsum presence and calcium carbonate addition in terms of compressive strength tests and synchrotron X-ray diffraction. The chemicals of CaO and NaOH are used as activators with different two dosages. The reaction of CaO-activated slag without gypsum just accelerated by addition of calcium carbonate at early ages, but no improvement was observed at later ages. On the other hand, the mechanical properties of CaO-activated slag pastes with gypsum were improved with calcium carbonate, enhancing the stability of ettringite. The variation of mechanical properties of NaOH-activated slag pastes was negligible depending on calcium carbonate addition in case of no gypsum. The addition of calcium carbonate into NaOH-activated slag pastes with gypsum deteriorated its mechanical properties due to the ion competition between CO32- ions and SO32- ions, decreasing crystallinity of reaction products.
The Journal of the Institute of Internet, Broadcasting and Communication
/
v.20
no.5
/
pp.163-173
/
2020
In this study, on-site corporate instructors participated as student-cum-workers in a degree-linked high skills Meister course to improve job competency and practical ability as proposed in the Work-Study Career Vision. Evaluation questions were then developed and their validity was verified by assessing satisfaction related to expected goals in enhancing advanced training guidance and competency as an evaluator. Satisfaction assessment was conducted based on training preparation, training implementation, training effectiveness and training administration. The Delphi Method was adopted and a total of 48 items were developed in 6 categories under 4 main areas. There were 7 evaluation items on the satisfaction of training course development under training preparation, 21 evaluation items related to the satisfaction of Off-JT and OJT courses under training implementation, 16 evaluation items related to the satisfaction of increased competency as an on-site corporate instructor and the satisfaction of enhanced practical skills and skills application at work under training effectiveness, as well as 6 evaluation items to assess satisfaction with administrative support under training administration. The final conformity assessment was conducted based on the stability, content validity ratio, consensus and convergence indicators of the developed items. Results of this study do not only apply to quality management of the high skills Meister course which is being promoted as a pilot project for work-study programs, but also serves as a rationale that may be considered as a basic research tool in the collection of various opinions to derive overall system improvement factors for the work-study high skills Meister course.
Automated text categorization is to classify free text documents into predefined categories automatically and whose main goals is to reduce considerable manual process required to the task. The researches to improving the text categorization performance(efficiency) in recent years, focused on enhancing existing classification models and algorithms itself, but, whose range had been limited by feature based statistical methodology. In this paper, we propose RTPost system of different style from i.ny traditional method, which takes fault tolerant system approach and data mining strategy. The 2 important parts of RTPost system are reinforcement training and post-processing part. First, the main point of training method deals with the problem of defining category to be classified before selecting training sample documents. And post-processing method deals with the problem of assigning category, not performance of classification algorithms. In experiments, we applied our system to documents getting low classification accuracy which were laid on a decision boundary nearby. Through the experiments, we shows that our system has high accuracy and stability in actual conditions. It wholly did not depend on some variables which are important influence to classification power such as number of training documents, selection problem and performance of classification algorithms. In addition, we can expect self learning effect which decrease the training cost and increase the training power with employing active learning advantage.
The purposes of this study are helping the understanding on the Dae-hwe kind relics, verifying the deformation rate stability during conservation treatment and enhancing the conservation treatment work by investigating the status and analyzing the material of Taejo's portrait mounting decorative knots in the National Palace Museum of Korea collection. The result of material analysis on the decorative knots was that the outer threads are silk threads, inner threads are cotton threads, the width of the metal threads was $500{\sim}600{\mu}m$ and the major component of it was 55wt% copper. The result of verification on the deformation rate during the form correction of the bell tassel was that it has been found as stable by having the deformation rate of 1 TPCM or less. The result of glue selection test to be used on the repairing of tassel cross-section with its thread cut was that wheat starch adhesive has been found most appropriate because it has the highest tensile strength at all concentrations. The conservation and treatment procedure was established based on above results of analysis and test on the relic and the conservation treatment work including packaging has been completed in accordance with the established procedure.
The typical blasting method adopted in Pasir Coal Mine is a surface blasting technique with a single free face. It means that there is only one free face, which is usually the ground surface. This kind of blasting method is easy to use but inevitably causes enormous ground vibrations, which, in turn, can affect the stability of the slopes comprising the various boundaries of the open pit mine. In addition, the method also has the problem of lowering the overall blast efficiency compared to other methods such as bench blasting methods or ones with more than two free faces. In this respect, a project was launched to develop a new blasting method that is suitable for both controling the ground vibration and enhancing the blast efficiency. As a part of the project, we investigated the current blasting method of the mine, and have conducted field measurements of the ground vibrations from 12 biasts. This Paper presents the details of the typical blasting pattern and the Propagation characteristics of the ground vibration from the surface blasting in the mine. Especially, various predictive equations for peak Particle velocities that can be used to estimate the ground vibration level in the mine area were derived from the regression analyses using the measured ground vibration data.
The tunnel oxide passivated contact (TOPCon) structure got more consideration for development of high performance solar cells by the introduction of a tunnel oxide layer between the substrate and poly-Si is best for attaining interface passivation. The quality of passivation of the tunnel oxide layer clearly depends on the bond of SiO in the tunnel oxide layer, which is affected by the subsequent annealing and the tunnel oxide layer was formed in the suboxide region (SiO, Si2O, Si2O3) at the interface with the substrate. In the suboxide region, an oxygen-rich bond is formed as a result of subsequent annealing that also improves the quality of passivation. To control the surface morphology, annealing profile, and acceleration rate, an oxide tunnel junction structure with a passivation characteristic of 700 mV or more (Voc) on a p-type wafer could achieved. The quality of passivation of samples subjected to RTP annealing at temperatures above 900℃ declined rapidly. To improve the quality of passivation of the tunnel oxide layer, the physical properties and thermal stability of the thin layer must be considered. TOPCon silicon solar cell has a boron diffused front emitter, a tunnel-SiOx/n+-poly-Si/SiNx:H structure at the rear side, and screen-printed electrodes on both sides. The saturation currents Jo of this structure on polished surface is 1.3 fA/cm2 and for textured silicon surfaces is 3.7 fA/cm2 before printing the silver contacts. After printing the Ag contacts, the Jo of this structure increases to 50.7 fA/cm2 on textured silicon surfaces, which is still manageably less for metal contacts. This structure was applied to TOPCon solar cells, resulting in a median efficiency of 23.91%, and a highest efficiency of 24.58%, independently. The conversion efficiency of interdigitated back-contact solar cells has reached up to 26% by enhancing the optoelectrical properties for both-sides-contacted of the cells.
Asia-Pacific Journal of Business Venturing and Entrepreneurship
/
v.14
no.3
/
pp.27-38
/
2019
Recently, domestic universities have emphasized career path to start-up through entrepreneurial self-efficacy (ESE) and entrepreneurship. The purpose of this study is to investigate the effect of ESE on entrepreneurship of university students. Also we examine the moderating effects of entrepreneurial education and career uncertainty between ESE and entrepreneurship. Research sample consisted of 236 university students in Cheonan city. The results of this research is as follows: First, ESE showed a positive effects on entrepreneurship. Second, the moderating effect of entrepreneurial education was significant on the relationship between ESE and entrepreneurship. In other words, university students with a higher entrepreneurial education showed higher entrepreneurship when ESE was lower. But students with a lower entrepreneurial education showed higher entrepreneurship when ESE was higher. Finally, the interaction effects of career uncertainty was confirmed in relationship between ESE and entrepreneurship. In other words, university students with a higher career uncertainty showed higher entrepreneurship when ESE was higher. But students with a lower career uncertainty showed higher entrepreneurship when ESE was lower. In order to improve the entrepreneurship of the pre-founders, it is necessary to strengthen the behavior control of university students by enhancing the ESE. Also, the improvement of entrepreneurship of pre-founders should strengthen the ESE of university students, and should complement systematic and effective entrepreneurship education. In particular, we should provide the stability for career decision by eliminating uncertainty about the career path of university students.
In light of the fact that the effect of intellectual property rights like patent on enterprise competitiveness is growing, rational valuation of patent rights, which are own by enterprises, is required because accurate patent valuation can bring about the activation of the technology exchange market and enhancing the values of enterprises as well as the security of funds through technology security. However, in reality, interest in the value of patent rights is not great due to many variables, affecting patent rights, and diverse attributes, and non-generalized methods of valuation. Therefore, studies on patent valuation for patent management of Small and Medium Enterprises is required. This thesis examined patent valuation for the patent management of Small and Medium Enterprises based on literature studies, and attempted to find factors, affecting patent valuation by finding patent valuation factors through experts, organizing, and analyzing these factors. 10 essential factors, which are demonstrated in this research, are the commercialization possibilities of technology, market competitiveness, the possibility of technology commercialization, market size, the originality of acquired technology, the stability of the right(the possibility of invalidating), the level of technology, technology competitiveness, the ripple effect of technology, and the characteristics of technology(original technology/application technology).
Backgroud: Ginsenoside compound K (GK) is a major metabolite of protopanaxadiol-type ginsenosides and has remarkable anticancer activities in vitro and in vivo. This work used an ionic cross-linking method to entrap GK within O-carboxymethyl chitosan (OCMC) nanoparticles (Nps) to form GK-loaded OCMC Nps (GK-OCMC Nps), which enhance the aqueous solubility and stability of GK. Methods: The GK-OCMC Nps were characterized using several physicochemical techniques, including x-ray diffraction, transmission electron microscopy, zeta potential analysis, and particle size analysis via dynamic light scattering. GK was released from GK-OCMC Nps and was conducted using the dialysis bag diffusion method. The effects of GK and GK-OCMC Nps on PC3 cell viability were measured by using the 3-(4,5-dimethyl-2-thiazolyl)-2,5-diphenyl-2-H-tetrazolium bromide assay. Fluorescent technology based on Cy5.5-labeled probes was used to explore the cellular uptake of GK-OCMC Nps. Results: The GK-OCMC NPs had a suitable particle size and zeta potential; they were spherical with good dispersion. In vitro drug release from GK-OCMC NPs was pH dependent. Moreover, the in vitro cytotoxicity study and cellular uptake assays indicated that the GK-OCMC Nps significantly enhanced the cytotoxicity and cellular uptake of GK toward the PC3 cells. GK-OCMC Nps also significantly promoted the activities of both caspase-3 and caspase-9. Conclusion: GK-OCMC Nps are potential nanocarriers for delivering hydrophobic drugs, thereby enhancing water solubility and permeability and improving the antiproliferative effects of GK.
본 웹사이트에 게시된 이메일 주소가 전자우편 수집 프로그램이나
그 밖의 기술적 장치를 이용하여 무단으로 수집되는 것을 거부하며,
이를 위반시 정보통신망법에 의해 형사 처벌됨을 유념하시기 바랍니다.
[게시일 2004년 10월 1일]
이용약관
제 1 장 총칙
제 1 조 (목적)
이 이용약관은 KoreaScience 홈페이지(이하 “당 사이트”)에서 제공하는 인터넷 서비스(이하 '서비스')의 가입조건 및 이용에 관한 제반 사항과 기타 필요한 사항을 구체적으로 규정함을 목적으로 합니다.
제 2 조 (용어의 정의)
① "이용자"라 함은 당 사이트에 접속하여 이 약관에 따라 당 사이트가 제공하는 서비스를 받는 회원 및 비회원을
말합니다.
② "회원"이라 함은 서비스를 이용하기 위하여 당 사이트에 개인정보를 제공하여 아이디(ID)와 비밀번호를 부여
받은 자를 말합니다.
③ "회원 아이디(ID)"라 함은 회원의 식별 및 서비스 이용을 위하여 자신이 선정한 문자 및 숫자의 조합을
말합니다.
④ "비밀번호(패스워드)"라 함은 회원이 자신의 비밀보호를 위하여 선정한 문자 및 숫자의 조합을 말합니다.
제 3 조 (이용약관의 효력 및 변경)
① 이 약관은 당 사이트에 게시하거나 기타의 방법으로 회원에게 공지함으로써 효력이 발생합니다.
② 당 사이트는 이 약관을 개정할 경우에 적용일자 및 개정사유를 명시하여 현행 약관과 함께 당 사이트의
초기화면에 그 적용일자 7일 이전부터 적용일자 전일까지 공지합니다. 다만, 회원에게 불리하게 약관내용을
변경하는 경우에는 최소한 30일 이상의 사전 유예기간을 두고 공지합니다. 이 경우 당 사이트는 개정 전
내용과 개정 후 내용을 명확하게 비교하여 이용자가 알기 쉽도록 표시합니다.
제 4 조(약관 외 준칙)
① 이 약관은 당 사이트가 제공하는 서비스에 관한 이용안내와 함께 적용됩니다.
② 이 약관에 명시되지 아니한 사항은 관계법령의 규정이 적용됩니다.
제 2 장 이용계약의 체결
제 5 조 (이용계약의 성립 등)
① 이용계약은 이용고객이 당 사이트가 정한 약관에 「동의합니다」를 선택하고, 당 사이트가 정한
온라인신청양식을 작성하여 서비스 이용을 신청한 후, 당 사이트가 이를 승낙함으로써 성립합니다.
② 제1항의 승낙은 당 사이트가 제공하는 과학기술정보검색, 맞춤정보, 서지정보 등 다른 서비스의 이용승낙을
포함합니다.
제 6 조 (회원가입)
서비스를 이용하고자 하는 고객은 당 사이트에서 정한 회원가입양식에 개인정보를 기재하여 가입을 하여야 합니다.
제 7 조 (개인정보의 보호 및 사용)
당 사이트는 관계법령이 정하는 바에 따라 회원 등록정보를 포함한 회원의 개인정보를 보호하기 위해 노력합니다. 회원 개인정보의 보호 및 사용에 대해서는 관련법령 및 당 사이트의 개인정보 보호정책이 적용됩니다.
제 8 조 (이용 신청의 승낙과 제한)
① 당 사이트는 제6조의 규정에 의한 이용신청고객에 대하여 서비스 이용을 승낙합니다.
② 당 사이트는 아래사항에 해당하는 경우에 대해서 승낙하지 아니 합니다.
- 이용계약 신청서의 내용을 허위로 기재한 경우
- 기타 규정한 제반사항을 위반하며 신청하는 경우
제 9 조 (회원 ID 부여 및 변경 등)
① 당 사이트는 이용고객에 대하여 약관에 정하는 바에 따라 자신이 선정한 회원 ID를 부여합니다.
② 회원 ID는 원칙적으로 변경이 불가하며 부득이한 사유로 인하여 변경 하고자 하는 경우에는 해당 ID를
해지하고 재가입해야 합니다.
③ 기타 회원 개인정보 관리 및 변경 등에 관한 사항은 서비스별 안내에 정하는 바에 의합니다.
제 3 장 계약 당사자의 의무
제 10 조 (KISTI의 의무)
① 당 사이트는 이용고객이 희망한 서비스 제공 개시일에 특별한 사정이 없는 한 서비스를 이용할 수 있도록
하여야 합니다.
② 당 사이트는 개인정보 보호를 위해 보안시스템을 구축하며 개인정보 보호정책을 공시하고 준수합니다.
③ 당 사이트는 회원으로부터 제기되는 의견이나 불만이 정당하다고 객관적으로 인정될 경우에는 적절한 절차를
거쳐 즉시 처리하여야 합니다. 다만, 즉시 처리가 곤란한 경우는 회원에게 그 사유와 처리일정을 통보하여야
합니다.
제 11 조 (회원의 의무)
① 이용자는 회원가입 신청 또는 회원정보 변경 시 실명으로 모든 사항을 사실에 근거하여 작성하여야 하며,
허위 또는 타인의 정보를 등록할 경우 일체의 권리를 주장할 수 없습니다.
② 당 사이트가 관계법령 및 개인정보 보호정책에 의거하여 그 책임을 지는 경우를 제외하고 회원에게 부여된
ID의 비밀번호 관리소홀, 부정사용에 의하여 발생하는 모든 결과에 대한 책임은 회원에게 있습니다.
③ 회원은 당 사이트 및 제 3자의 지적 재산권을 침해해서는 안 됩니다.
제 4 장 서비스의 이용
제 12 조 (서비스 이용 시간)
① 서비스 이용은 당 사이트의 업무상 또는 기술상 특별한 지장이 없는 한 연중무휴, 1일 24시간 운영을
원칙으로 합니다. 단, 당 사이트는 시스템 정기점검, 증설 및 교체를 위해 당 사이트가 정한 날이나 시간에
서비스를 일시 중단할 수 있으며, 예정되어 있는 작업으로 인한 서비스 일시중단은 당 사이트 홈페이지를
통해 사전에 공지합니다.
② 당 사이트는 서비스를 특정범위로 분할하여 각 범위별로 이용가능시간을 별도로 지정할 수 있습니다. 다만
이 경우 그 내용을 공지합니다.
제 13 조 (홈페이지 저작권)
① NDSL에서 제공하는 모든 저작물의 저작권은 원저작자에게 있으며, KISTI는 복제/배포/전송권을 확보하고
있습니다.
② NDSL에서 제공하는 콘텐츠를 상업적 및 기타 영리목적으로 복제/배포/전송할 경우 사전에 KISTI의 허락을
받아야 합니다.
③ NDSL에서 제공하는 콘텐츠를 보도, 비평, 교육, 연구 등을 위하여 정당한 범위 안에서 공정한 관행에
합치되게 인용할 수 있습니다.
④ NDSL에서 제공하는 콘텐츠를 무단 복제, 전송, 배포 기타 저작권법에 위반되는 방법으로 이용할 경우
저작권법 제136조에 따라 5년 이하의 징역 또는 5천만 원 이하의 벌금에 처해질 수 있습니다.
제 14 조 (유료서비스)
① 당 사이트 및 협력기관이 정한 유료서비스(원문복사 등)는 별도로 정해진 바에 따르며, 변경사항은 시행 전에
당 사이트 홈페이지를 통하여 회원에게 공지합니다.
② 유료서비스를 이용하려는 회원은 정해진 요금체계에 따라 요금을 납부해야 합니다.
제 5 장 계약 해지 및 이용 제한
제 15 조 (계약 해지)
회원이 이용계약을 해지하고자 하는 때에는 [가입해지] 메뉴를 이용해 직접 해지해야 합니다.
제 16 조 (서비스 이용제한)
① 당 사이트는 회원이 서비스 이용내용에 있어서 본 약관 제 11조 내용을 위반하거나, 다음 각 호에 해당하는
경우 서비스 이용을 제한할 수 있습니다.
- 2년 이상 서비스를 이용한 적이 없는 경우
- 기타 정상적인 서비스 운영에 방해가 될 경우
② 상기 이용제한 규정에 따라 서비스를 이용하는 회원에게 서비스 이용에 대하여 별도 공지 없이 서비스 이용의
일시정지, 이용계약 해지 할 수 있습니다.
제 17 조 (전자우편주소 수집 금지)
회원은 전자우편주소 추출기 등을 이용하여 전자우편주소를 수집 또는 제3자에게 제공할 수 없습니다.
제 6 장 손해배상 및 기타사항
제 18 조 (손해배상)
당 사이트는 무료로 제공되는 서비스와 관련하여 회원에게 어떠한 손해가 발생하더라도 당 사이트가 고의 또는 과실로 인한 손해발생을 제외하고는 이에 대하여 책임을 부담하지 아니합니다.
제 19 조 (관할 법원)
서비스 이용으로 발생한 분쟁에 대해 소송이 제기되는 경우 민사 소송법상의 관할 법원에 제기합니다.
[부 칙]
1. (시행일) 이 약관은 2016년 9월 5일부터 적용되며, 종전 약관은 본 약관으로 대체되며, 개정된 약관의 적용일 이전 가입자도 개정된 약관의 적용을 받습니다.