• 제목/요약/키워드: interest spread

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A Review of Extended Fraud with COVID-19 on the Online Services

  • Elhussein, Bahaeldein;Karrar, Abdelrahman Elsharif
    • International Journal of Computer Science & Network Security
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    • 제22권6호
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    • pp.163-171
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    • 2022
  • Online services are widely spread, and their use increases day by day. As COVID-19 spread and people spent much time online, fraud scams have risen unexpectedly. Manipulation techniques have become more effective at swindling those lacking basic technological knowledge. Unfortunately, a user needs a quorum. The interest in preventing scammers from obtaining effective quality service has become the most significant obstacle, increasing the variety of daily Internet platforms. This paper is concerned with analyzing purchase data and extracting provided results. In addition, after examining relevant documents presenting research discussing them, the recommendation was made that future work avoids them; this would save a lot of effort, money, and time. This research highlights many problems a person may face in dealing with online institutions and possible solutions to the epidemic through theft operations on the Internet.

The Effects of Financial Support Policies on Corporate Decisions by SMEs

  • NAM, CHANGWOO
    • KDI Journal of Economic Policy
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    • 제38권3호
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    • pp.79-106
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    • 2016
  • This paper investigates the effectiveness of public credit guarantee programs and interest-support programs for SMEs (small and medium enterprises). First, assuming that there is an imperfect information structure in the SME loan market, we analyze how SME support financial programs affect the corporate decisions made by SMEs with regard to default or loan sizes. In addition, this paper theoretically computes the optimal levels of credit guarantee amounts and the interest-support spread under equilibrium with imperfect information in a competitive loan market. Second, the paper empirically analyzes the continuous policy-treatment effect with the GPS (generalized propensity score) method. In particular, we consider the ratio of guaranteed debt to the total debt as a continuous policy treatment. The empirical results show that marginal effects of a credit guarantee on SMEs' productivity, profitability, and growth potential decrease with the ratio of guaranteed debt to the total debt. In addition, the average effect of a credit guarantee is maximized when this ratio is at 50% to 60%.

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인공지능 안내 로봇 서비스 만족도와 품질 속성 분석 (An Analysis of Quality Attributes and Service Satisfaction for Artificial Intelligence-based Guide Robot)

  • 조미영;김재홍;이대하;장민수
    • 로봇학회논문지
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    • 제18권2호
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    • pp.216-224
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    • 2023
  • Guide robots that provide services in public places have recently emerged as a non-face-to-face solution with the spread of COVID-19 and are growing. However, most guide robots provide only the same level of intelligence and the same interaction in different and changing environments. Therefore, its usefulness is limited and customers' interest is quickly lost. To solve this problem, it is necessary to develop social intelligence that can improve the robot's environment and situational awareness performance, and to continuously maintain customer interest by providing personalized and situational services. In this study, we developed guide robot services based on social HRI components that provides multi-modal context-aware. We evaluated service usefulness by measuring user satisfaction and frequency of use of the service through the survey. We analyzed the service quality attributes to identify the differentiating factors of guide robot based on social HRI components.

희박신호 기법을 이용한 초 분해능 지연시간 추정 알고리즘 (Super-resolution Time Delay Estimation Algorithm using Sparse Signal Reconstruction Techniques)

  • 박형래
    • 전자공학회논문지
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    • 제54권8호
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    • pp.12-19
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    • 2017
  • 본 논문에서는 희박신호 (sparse signal) 기법을 이용하여 대역확산 (spread spectrum) 신호의 지연시간을 추정하는 초 분해능 지연시간 추정 방식을 제안한다. 지금까지 대역확산 신호의 지연시간 추정은 코릴레이션 방식이 주로 이용되어 왔으나 이 방식은 신호들이 한 PN 칩(pseudo-noise chip) 이내의 시간 차로 입사하는 경우에는 지연시간을 정확히 추정할 수 없으며 보다 정확한 추정을 위해 코릴레이션 출력에 대한 추가적인 프로세싱이 필요하다. 최근 들어 희박 신호 (sparse signal) 알고리즘이 도래각 추정 분야에서 각광을 받고 있으며 그 중 SPICE 알고리즘이 가장 대표적이다. 따라서, 본 논문에서는 SPICE 알고리즘을 이용하는 초 분해능 지연시간 추정 알고리즘을 개발하고 ISO/IEC 24730-2.1 RTLS 시스템에 적용하여 MUSIC 알고리즘과 성능을 비교, 분석한다.

주거복지에 대한 사회복지업무 종사자의 의식조사 연구 (Perception on Housing Welfare of Social Welfare Practitioners)

  • 김영주;김미희;박남희
    • 한국주거학회논문집
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    • 제21권6호
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    • pp.119-129
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    • 2010
  • The purpose of this study was to identify perception on housing welfare of social welfare practitioners. Specific research interest was focused on the area of housing welfare services and necessity, problems when execute housing welfare services, and activating strategy of housing welfare. For the research purpose, questionnaires were distributed to 537 people who work in the field of social welfare including social welfare officials in local government authorities and social workers at community welfare centers nationwide by mail and e-mail and 405 questionnaires were analyzed using SPSS 15.0 program. Respondents thought that the supply of public rental housing was the most important service to promote housing welfare. They also indicated the most serious problem was the lack of budget and housing welfare services and programs. As main reasons of local government's passive attitude toward housing welfare services and programs, respondents mentioned low interest level of housing welfare and lack of housing welfare education. Most of the respondents agreed the necessity of introducing the curricula related to housing welfare and expected to spread interest toward housing welfare in the field of social welfare.

K샌드아트 평생학습 전문강사 동아리에 나타난 교육적 효과 탐색 (Exploring the Educational Effects of K-Sand Art's Lifelong Learning Specialized Instructor Club)

  • 김영옥
    • 한국엔터테인먼트산업학회논문지
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    • 제14권7호
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    • pp.409-419
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    • 2020
  • 이 연구는 평생교육 분야에서 관심이 높아지고 있는 샌드아트 기법의 학습자 흥미 유발 요인과 교육적 효과를 제시하는데 주안점을 두고 K샌드아트 평생학습 전문강사 동아리를 사례로 선정하였다. 첫째, 학습자의 흥미 유발 효과를 높이는 요인은 샌드아트 기법을 모래 놀이로 인식, 이야기와 음율, 샌드박스에 그리며 표현해보는 활동, 학습자의 관심 주제를 표현하도록 하는데 있다. 둘째, 평생교육 분야에서 샌드아트 기법은 교육적으로 심리치료, 집중력 향상, 자신감 향상, 표현력과 창의력 개발, 오감 발달에 효과가 있다. 셋째, 평생교육 분야에서 샌드아트 기법은 전 세대에게 적용되고 있으며, 평생교육 6진 분류 중 시민참여교육, 기초문해교육, 문화예술교육에 샌드아트 기법을 활용하면 효과를 높일 수 있다. 넷째, 향후 과제로는 샌드아트 전문가 양성 지원, 샌드아트 재료 및 장비 지원, 다양한 대상을 찾아가는 샌드아트 프로그램을 확산해야 할 것이다.

음악저작권 보호를 위한 탐정산업의 공익적 역할 연구 (A Study on the Public Interest Role of the Detective Industry for Music Copyright Protection)

  • 김미옥;윤소빈;염건령
    • 산업진흥연구
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    • 제8권1호
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    • pp.23-33
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    • 2023
  • 현대에 이르러 인터넷의 확산으로 인한 피해들이 매우 다양해지고 있다. 특히, 2008년 이후 K팝의 열풍으로 국내외 음악 시장의 다양해진 저작권 침해로 인한 피해는 인터넷 시장의 가장 큰 문제로 대두되고 있다. 그러나 계속 지능화되어 가는 이러한 범죄들을 해결하기 위한 경찰과 저작권 보호기관들의 인력은 부족한 상황이다. 따라서 공권력의 보완인력으로서 또, 음악저작권 침해 예방과 분쟁에서 피해자를 위한 합법적인 도움을 줄 수 있는 저작권 보호 기관의 대체인력으로서 공익적 탐정의 역할을 찾아보려 한다. 이 연구를 위해 먼저 음악저작권의 개념과 유형, 공익탐정의 개념, 음악저작권의 현황과 제도를 파악하고 보호기관의 제도운영 및 현황 분석과 문헌 고찰을 통하여 음악저작권 보호를 위한 탐정의 역할들을 찾아 보았다. 본 연구결과를 통해 음악저작권 보호라는 공익적 차원에서의 전문탐정의 역할이 앞으로 탐정 산업발전을 성장시키는데 좋은 토양이 될 수 있기를 바란다.

Central Asia and the Republic of Korea: A Sketch on Historical Relations

  • ABDUKHALIMOV, BAKHROM;KARIMOVA, NATALIA
    • Acta Via Serica
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    • 제4권2호
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    • pp.119-128
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    • 2019
  • This paper attempts to reveal little-known pages from the history of relations between the peoples of Central Asia and Korea based on materials derived from written sources and modern scientific literature, as well as from medieval wall paintings from the early medieval Afrasiab Palace of Varhuman, the ruler of Samarkand, and from stone sculptures of Sogdian figures contained in Silla royal tombs. Korea's interest in the western lands led to its contact with Buddhism, which spread and later flourished in all three Korean kingdoms (Koguryo, Paekche and Silla). The spread of Buddhism in turn motivated a number of Korean monks to undertake pilgrimages to India via Central Asia. Hyecho, a young Silla pilgrim, left evidence of his journey via the South China Sea to India in 723 AD. Paul Pelliot discovered a report from Hyecho's journey entitled Notes on Pilgrimage to Five Regions in India (Wang Wu Tianzhuguo zhuan) in the Dunhuang caves in 1908. Hyecho's contributions are worthy of attention, substantially complementing knowledge available for this little-studied period in the history of South and Central Asia. The information contained in Hyecho's manuscript is, in fact, considered the most significant work of the first half of the 8th century. Research regarding the relationship between Central Asia and Korea remains underdeveloped. Existing historical evidence, however, including the above mentioned Samarkand wall paintings, depicts the visits of two Korean ambassadors to Samarkand, and evidence from Silla tombs suggests the presence of diplomatic relations in addition to trade between the two regions. Overall, the history of the relationship between Central Asia and Korea yields new insights into how and why these distant countries sustained trade and diplomatic and cultural exchange during this early period. Taking into account Korea's growing interest in Uzbekistan, especially in its history and culture, this article can act as a catalyst for studying the history of the two country's relations.

친환경 농산물 소비자의 집단별 소비특성 및 정책에 대한 인식연구 (Study of Consumers' Perceptions of Eco-friendly Agricultural Products and Policies by Group)

  • 이태겸;김은솔;최진아;김상범;이재호
    • 농촌계획
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    • 제28권4호
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    • pp.83-91
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    • 2022
  • The goal of this study is to promote the spread of environmentally friendly agricultural products, which have been receiving a lot of attention lately, as a way to improve food safety and quality. As a result of the increased labor input, increased production costs, and an aging population, environmentally friendly agriculture is making it more difficult for farmers to expand their enterprises. In the meantime, consumers find it difficult to spread eco-friendly agricultural products due to their high expectations for safety and quality, as well as the desire to purchase products at a reasonable price. Previous studies have revealed differences in perceptions between eco-friendly agricultural producers and consumers. In light of this, this study divided consumers based on their characteristics (such as age, purchase history, health concerns, etc.), and different policies were proposed in order to increase purchasing factors for each group based on their characteristics. In order to gather information for this study, general citizens were asked about their perceptions of eco-friendly agricultural products, future purchase intentions and awareness, reliability, necessity, purpose, and information sources. A two-step clustering analysis was conducted using nominal and continuous variables simultaneously. The paper presents the three derived group differences (senior organic interest group, middle-aged organic interest group, and indifferent young organics) as well as group differences for the purchasing/non-purchasing factor analysis and policy improvement for each group. An eco-friendly agricultural product distribution proposal was made at the end of this article.

우리나라 민간투자사업의 수익률과 가산금리의 결정요인 분석 (Analysis of Factors of IRRs and Spread on Korea's BTO Projects)

  • 주재홍;하헌구;박동규
    • 대한교통학회지
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    • 제28권2호
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    • pp.135-150
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    • 2010
  • 본 논문의 목적은 민간투자사업의 계약에서 가장 중요하고 핵심적인 계약이라 할 수 있는 실시협약 사례를 수집하고 분석함으로써 협상을 통해 결정된 사업 수익률의 결정요인들이 무엇이며, 실시협약에서 포함된 제도 및 정책에 따라 수익률이 어떻게 반영되었는지를 파악하는 것이다. 수익률이 사업성을 판단할 수 있는 지표라면, 가산금리는 대출 원리금의 회수의 위험정도를 판단할 수 있는 지표라 할 수 있다. 실증분석에서 사용된 데이터는 1995년부터 2008년까지 실시협약을 체결하였거나 협상이 완료된 사업의 실시협약 및 재무모델 75건을 대상으로 조사하였다. 종속변수는 세후경상수익률 및 재무모델에서 제시하고 있는 장기차입이자율의 가산금리로 하였으며, 독립변수는 사업절차에 따른 변수, 사업성에 관련된 변수, 재무적 성격에 따른 변수, 실시협약 문건에 관련된 변수, 정부 정책에 관련된 변수 등으로 하였다. 분석결과 수익률에 대해서는 재무적 투자자의 출자비율, 국가관리사업인 경우, 최소운영수입보장 조항 등에 영향을 미치는 것으로 분석되었으며, 가산금리의 경우에는 재무적 투자자의 출자비율, 국가관리사업, 부대사업의 유무 등이 결정에 영향을 미치는 것으로 분석되었다.