• 제목/요약/키워드: loan

검색결과 646건 처리시간 0.024초

Risk Factors Affecting Equipment Management in Construction Firms

  • PHAM, Cuong Phu;NGUYEN, Phong Thanh;PHAN, Phuong Thanh;NGUYEN, Quyen Le Hoang Thuy To;LE, Loan Phuc;DUONG, My Tien Ha
    • The Journal of Asian Finance, Economics and Business
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    • 제7권11호
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    • pp.347-356
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    • 2020
  • Mechanization and automation constitute an essential stage in the production and operation of any company, as one of the determinants of increase in labor productivity and decrease in product price, while significantly contributing to shortening of the lead time. Businesses are, therefore, able to quickly put projects into operation, improving economic efficiency, quality, and aesthetics, which speeds up the national economic growth. For the construction industry to be the most effective, modern construction equipment is a necessity. It is one of the five main resources of a construction project. Thus, effective construction equipment management contributes to the success of a project and benefits the relevant construction companies economically. This paper presents the critical risk factors affecting equipment management and proposes suitable solutions. The questionnaire-based survey with experienced experts in the construction sector on the management of the likelihood and consequence of risk factors revealed thirty-two risks for equipment management in construction companies. These factors fell into six groups: (i) site organization-related risks; (ii) management-related risks; (iii) owner-related risks; (iv) supplier-related risks; (v) legal risks, and (vi) site condition-related and external risks. The results showed that management-related factors contributed to the most significant risks and problems for equipment management in construction companies.

Feature Selection Using Submodular Approach for Financial Big Data

  • Attigeri, Girija;Manohara Pai, M.M.;Pai, Radhika M.
    • Journal of Information Processing Systems
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    • 제15권6호
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    • pp.1306-1325
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    • 2019
  • As the world is moving towards digitization, data is generated from various sources at a faster rate. It is getting humungous and is termed as big data. The financial sector is one domain which needs to leverage the big data being generated to identify financial risks, fraudulent activities, and so on. The design of predictive models for such financial big data is imperative for maintaining the health of the country's economics. Financial data has many features such as transaction history, repayment data, purchase data, investment data, and so on. The main problem in predictive algorithm is finding the right subset of representative features from which the predictive model can be constructed for a particular task. This paper proposes a correlation-based method using submodular optimization for selecting the optimum number of features and thereby, reducing the dimensions of the data for faster and better prediction. The important proposition is that the optimal feature subset should contain features having high correlation with the class label, but should not correlate with each other in the subset. Experiments are conducted to understand the effect of the various subsets on different classification algorithms for loan data. The IBM Bluemix BigData platform is used for experimentation along with the Spark notebook. The results indicate that the proposed approach achieves considerable accuracy with optimal subsets in significantly less execution time. The algorithm is also compared with the existing feature selection and extraction algorithms.

MBS의 발행구조, 가치평가 몇 투자자 특성에 관한 연구 (Effects of Security Design and Investor Utilities on the Valuation of Mortgage-Backed Securities)

  • 유진
    • 재무관리연구
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    • 제22권1호
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    • pp.147-179
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    • 2005
  • 모기지유동화증권(Mortgage-Backed Securities : MBS)의 도입과 변화를 주도한 근본적인 원인은 투자자 혹은 차입자의 효용 제고 및 욕구 충족에 있다. 본 연구는 이러한 사실에 주목하여 MBS의 발행 구조에 따라 그 가치가 변동할 수 있음을 이론 모형으로 정립, 증명, 분석 및 해석한다. 구체적으로 자동이체증권과 PAC-Support CMO라는 차별적 발행구조의 두 MBS의 가치를 투자자의 효용의 관점에서 파악하고 발행구조에 따라 후자가 전자보다 더 큰 가치를 창출할 수 있음을 이론적으로 보인다. 한편 모기지 및 MBS의 가치평가에 재금융(refinancing)으로 인한 조기상환 위험의 평가가 매우 중요하며, 재금융은 이자율의 등락 및 과거 이자율의 경로에 의하여 크게 영향 받기 때문에 이를 3기간 모형으로 반영하여 MBS의 가치평가를 시도하였다. 특히 소진현상(burnout)을 모형에 명확히 반영하여 이 현상이 MBS의 현금흐름, 위험 및 가치에 미치는 영향을 고찰하였다. 본 연구 결과 동일한 현금흐름 및 위험을 제시하는 MBS보다 차별적으로 설계된 MBS가 선호될 수 있으며 후자의 가치를 극대화하는 최적의 발행 구조가 존재함이 인정된다.

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한국해운산업의 정치적 비용에 관한 실증연구 (An Empirical Study on the Political Cost in Korean Shipping Industry)

  • 조준걸;안기명;배후석
    • 한국항해항만학회지
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    • 제28권8호
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    • pp.687-697
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    • 2004
  • 본 논문의 목적은 외항선사들의 정치적 노출정도를 측정하는 정치적 비용과 이와 관련이 있는 재무적 요인들 간의 관련성 유무를 다변량 회귀분석방법에 의하여 실증 분석함으로써 우리나라 해운산업의 정치적 비용 결정요인을 검증하는 데 있다. 회귀모형의 독립변수는 기업규모(매출액, 총자산, 시장점유율) 외에 해운산업의 특성을 보여주는 부채비율, 자본집약도, 영업이익률 및 해운위험으로서 매출액변동이다. 분석 결과 해운기업의 정치적 비용과 모든 규모변수는 유의적으로 정의 관련성이 있는 것으로 나타나고 있다. 또한 부채비율과 영업이익률은 해운산업의 정치적 비용을 결정하는 주요 요인으로 밝혀졌다.

주요 수산국과 한국간의 수산보조금 비교 분석 (Comparative Analysis on Fisheries Subsidies between Major Countries and Korea)

  • 이광남
    • 수산경영론집
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    • 제34권2호
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    • pp.27-52
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    • 2003
  • The object of this paper is to review the fisheries subsidies of the major FFG(Fish Friends Group) which argue the elimination and the phasing-out, to compare with Korea's subsidies category and provide the basic information for planning of fisheries subsidies policy and the negotiation strategy in the future. The result from the comparative analysis of the subsidies between the major FFG showed that WWF(World Wildlife Fund) fisheries subsidies categories, with the exception of Marketing and Price Support Program which is similar to Korea in terms of the supporting type and methods, differ from those of Korea. Also, The unique type of WWF Fisheries Subsidies, which is beyond Korea's subsidies, are Direct Payment for Fishermen and Fishery Wokers, Capital & Infrastructure Support, Fishery Management and Protection, etc. In case of capital support and fisheries fuel, the payment method or other institutional backgrounds is somewhat different from each nation. On the base of this analysis, this paper is suggesting the direction of the Korea's Fisheries subsidies policy as follows ; First, developing new policy methods and supporting ways such as Direct Payment for Fisherman is needed. Second, Converting fisheries subsidies category expected to be classified to Red Amber into another type of non-negative subsidies should be carried out, demonstrating that these kinds of subsidies give no negative effect to the environment and the trade, Third, Reviewing the categorize system of Korea's subsidies and revising it according to international trends is necessary as well. In respect to WTO/DDA, the watchful analysis of Korea's fisheries program must be preceding in ahead of making the negotiation strategy. And Korea firstly need to stress the fact that, while the major FFG can directly pay for fisheries section, other nations have no choice but supporting in preferential tax or loan manner. Using this kind of strategy, it is may enlarge the negotiating power in the WTO/DDA to reflect fully Korea's position.

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An Analysis of User Satisfaction of K University's Library Service

  • Noh, Young-Hee;Choi, Min-Ju;Choi, Yong-Wog;Jeong, Sin-Won;Jung, Eun-Ji;Kang, Mi-So;Kim, Jin-Young;Lee, Kyung-Won;Lee, Sung-Jae;Oh, Seon-Hye;Park, So-Yeon;Shin, Sung-Chul;Suh, Da-Jeong
    • International Journal of Knowledge Content Development & Technology
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    • 제1권1호
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    • pp.61-79
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    • 2011
  • This study purposed to discover whether or not academic libraries reflect these changing roles. We selected K University as the research target and surveyed user satisfaction of materials, staff services, facilities, electronic devices, media, and so on. The research findings are as follows: 1) the frequency of library visits of University K was on the high side, 2) the primary purpose of using the academic library was associated with learning or reading, therefore, the most used library spaces were related to that, 3) the most used library materials were 'general books', the most unused were 'reference books', 4) the most preferred way to obtain needed materials when failing to find wanted materials was 'Contact librarian'. A similar phenomenon occurred in terms of facility use, 5) university K's users were usually satisfied with the loan policy, 6) the rate of users who don't know whether there is user education was very high, the rate of users who have no experience with user education was extremely low. These research findings can be referenced by library management to improve libraries' service quality and take advantage of complex spatial configurations.

Teaching English Stress Using a Drum: Based on Phonetic Experiments

  • Yi, Do-Kyong
    • 영어어문교육
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    • 제15권2호
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    • pp.261-280
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    • 2009
  • This study focuses on providing the pedagogical implications of stress in English pronunciation teaching since stress is one the most important characteristic factors in English pronunciation (Bolinger, 1976; Brown, 1994; Celce-Murcia, Brinton & Goodwin, 1996; Kreidler, 1989). The author investigated stress production regarding in terms of duration, pitch, and intensity by a group of native speakers of English and a group of low-proficiency South Kyungsang Korean college students for their pre-test. For both of the pre- and post-test, the same stimuli, which consisted of a one-syllable word, two two-syllable words, three three-syllable words, and three four-syllable words, were used along with the various sentence positions: isolation, initial, medial, and final. Soft ware programs, ALVIN and Praat, were used to record and analyze the data. Since Celce-Murcia et al. (1996), Klatt (1975), and Ladefoged (2001) treat duration of the stressed syllable more significantly than other factors, pitch and intensity, with respect to the listener's point of view, the author developed a special method of teaching English stress using a traditional Korean drum to emphasize duration. In addition, the results from the native speakers' production showed that their main strategy to realize stress was through lengthening stressed syllables. After six weeks of stress instruction using the drum, the production of the native speakers and the SK Korean participants from the pre- and post-test were compared. The results from the post-test indicated that the participants showed great improvement not only in duration but also in pitch after the stress instruction. Pitch improvement was unexpected but well-explained by the statement that long vowels receive accent in loan word adaptation in North Kyungsang Korean. The results also showed that the Korean participants' pitch values became more even in their duration values for each syllable as the structure of the word or the sentence became more complex, due to their dependency upon their L1.

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분식 적발을 위한 재무이상치 분석시스템 개발 (Development of the Financial Account Pre-screening System for Corporate Credit Evaluation)

  • 노태협
    • 한국정보시스템학회지:정보시스템연구
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    • 제18권4호
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    • pp.41-57
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    • 2009
  • Although financial information is a great influence upon determining of the group which use them, detection of management fraud and earning manipulation is a difficult task using normal audit procedures and corporate credit evaluation processes, due to the shortage of knowledge concerning the characteristics of management fraud, and the limitation of time and cost. These limitations suggest the need of systemic process for !he effective risk of earning manipulation for credit evaluators, external auditors, financial analysts, and regulators. Moot researches on management fraud have examined how various characteristics of the company's management features affect the occurrence of corporate fraud. This study examines financial characteristics of companies engaged in fraudulent financial reporting and suggests a model and system for detecting GAAP violations to improve reliability of accounting information and transparency of their management. Since the detection of management fraud has limited proven theory, this study used the detecting method of outlier(upper, and lower bound) financial ratio, as a real-field application. The strength of outlier detecting method is its use of easiness and understandability. In the suggested model, 14 variables of the 7 useful variable categories among the 76 financial ratio variables are examined through the distribution analysis as possible indicators of fraudulent financial statements accounts. The developed model from these variables show a 80.82% of hit ratio for the holdout sample. This model was developed as a financial outlier detecting system for a financial institution. External auditors, financial analysts, regulators, and other users of financial statements might use this model to pre-screen potential earnings manipulators in the credit evaluation system. Especially, this model will be helpful for the loan evaluators of financial institutes to decide more objective and effective credit ratings and to improve the quality of financial statements.

Fabrication and characterization of n-IZO / p-Si and p-ZnO:(In, N) / n-Si thin film hetero-junctions by dc magnetron sputtering

  • Dao, Anh Tuan;Phan, Thi Kieu Loan;Nguyen, Van Hieu;Le, Vu Tuan Hung
    • 전기전자학회논문지
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    • 제17권2호
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    • pp.182-188
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    • 2013
  • Using a ceramic target ZnO:In with In doping concentration of 2%, hetero-junctions of n-ZnO:In/p-Si and p-ZnO:(In, N)/n-Si were fabricated by depositing Indium doped n - type ZnO (ZnO:In or IZO) and Indium-nitrogen co-doped p - type ZnO (ZnO:(In, N)) films on wafers of p-Si (100) and n-Si (100) by DC magnetron sputtering, respectively. These films with the best electrical and optical properties were then obtained. The micro-structural, optical and electrical properties of the n-type and p-type semiconductor thinfilms were characterized by X-ray diffraction (XRD), RBS, UV-vis; four-point probe resistance and room-temperature Hall effect measurements, respectively. Typical rectifying behaviors of p-n junction were observed by the current-voltage (I-V) measurement. It shows fairly good rectifying behavior with the fact that the ideality factor and the saturation current of diode are n=11.5, Is=1.5108.10-7 (A) for n-ZnO:In/p-Si hetero-jucntion; n=10.14, Is=3.2689.10-5 (A) for p-ZnO:(In, N)/n-Si, respectively. These results demonstrated the formation of a diode between n-type thin film and p-Si, as well as between p-type thin film and n-Si..

임대아파트 입주가구의 주거만족도 결정요인에 관한 연구 - 임대아파트와 분양전환아파트를 중심으로 - (A Study on the Determinants of Residential Satisfaction of Lease Apartment - Focusing on Lease Apartment and the Apartment converted into Installment Sale -)

  • 이중근
    • 한국주거학회논문집
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    • 제14권4호
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    • pp.109-119
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    • 2003
  • This paper has examined a resident's feeling of satisfaction on residential environment. It has searched a policy direction to improve the quality of residential environment with three models in which what factors have an influence on the resident's feeling of satisfaction is evaluated. First, when the residents were asked why they chose lease APT, Low price was answered the most between two populations. Second, with regard to the feeling of satisfaction by categories, both populations showed similar results. The social prejudice on lease APT such as disadvantage on their children and unfavorable surroundings that has been engraved in people's mind about lease APT for a long time was never an issue any more. Third, when the two populations were examined by regression analysis with three models in terms of what factors had an effect on the feeling of satisfaction, there was no big difference in each effect of variables. Internal environment was a key variable for lease APT while external environment was a core variable for the APT that is converted into installment sale. In order to enhance the feeling of satisfaction on residential environment for lease APT residents, high quality turned out the most important factor between both populations, and then a loan with low interest rate and high average standard of APT followed. As unsatisfactory items, low cultural level, slowness in repairing works, and unsatisfactory finishing work were pointed out with regard to the low quality of internal facilities. In general, it turned out that the APT that was converted into installment sale was more preferable than lease APT. As known in this analysis, housing supply policy needs to be focused on quality and high average standard of APT should be achieved for the working classes.