• KDI Journal of Economic Policy
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• v.44 no.3
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• pp.1-26
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• 2022

This paper analyzes the effects of the cut in the legal maximum interest rate (from 27.4% to 24%) that occurred in February of 2018 on loan interest rates, the default rates, and the loan approval rate of borrowers in the non-banking sector. We use the difference-in-difference identification strategy to estimate the effect of the cut in the legal maximum interest rate using micro-level data from a major credit-rating company. The legal maximum rate cut significantly lowers the loan interest rate and default rate of low-credit borrowers (i.e., high-credit-risk borrowers) in the non-banking sector. However, this effect is limited to borrowers who have not been excluded from the market despite the legal maximum interest rate cut. The loan approval rate of low-credit borrowers decreased significantly after the legal maximum interest rate cut. Meanwhile, the loan approval rate of high-credit and medium-credit (i.e., low credit risk and medium credit risk) borrowers increased. This implies that financial institutions in the non-banking sector should reduce the loan supply to low-credit borrowers who are no longer profitable while increasing the loan supply to high- and medium-credit borrowers.

• Journal of the Korean Data and Information Science Society
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• v.16 no.2
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• pp.383-389
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• 2005

In this paper, we propose the pure premium rate of reliability insurance policy for radiators under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of radiators. The maximum likelihood estimates of scale and shape parameters for assumed distribution are obtained by using accelerated life test data of sample sizes 5 using MINITAB.

• Journal of the Korean Data and Information Science Society
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• v.15 no.1
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• pp.49-57
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• 2004

In this paper, we calculate the premium rate of reliability insurance policy for wiper motors under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of wiper motors. The maximum likelihood estimates of shape parameter and scale parameter are obtained by using interval censored real data of sample sizes 6 using MINITAB.

• Journal of the Korean Data and Information Science Society
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• v.16 no.2
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• pp.401-410
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• 2005

In this paper, we calculate the premium rate of reliability insurance policy for brake pads for automobiles using real failure data obtained from use-condition. We try process capability analysis for the manufacturing process of brake-system. We describe the performance factors which have an effect on failure characteristics of brake pads. We also obtain the maximum likelihood estimates of shape and scale parameters of the fitted Weibull distribution for brake pads.

• International Journal of Reliability and Applications
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• v.3 no.1
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• pp.51-60
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• 2002

This paper presents the methodology for obtaining point and interval estimating of the parameters of a new two-parameter distribution with multiple-censored and singly censored data (Type-I censoring or Type-II censoring) as well as complete data, using the maximum likelihood method. The basis is the likelihood expression for multiple-censored data. Furthermore, this model can be extended to a three-parameter distribution that is added a scale parameter. Then, the parameter estimation can be obtained by the graphical estimation on probability plot.

• Journal of the Korean Society for Aeronautical & Space Sciences
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• v.39 no.1
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• pp.42-49
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• 2011

Telemetry link requires high data rate to transmit the multimedia data for lunar explorations in space communications. In this paper, we analyze a data rate with the modulation and channel coding schemes based on Consultative Committee for Space Data Systems (CCSDS) in S, X, Ku and Ka bands, respectively. Then, we suggests modulation and channel coding schemes to meet the link margins and have a maximum data rate for lunar explorations in telemetry links.

• Journal of Environmental Science International
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• v.9 no.1
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• pp.75-80
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• 2000

Kinetic data for the acid phase anaerobic digestion were presented in this study and the constants were determined with acid production rate and gas production rate. Process models based on continuous culture theory were used to describe the characteristics of the acid forming microorganisms and to enable further development toward utilization of the process in a more rational manner. Acid phase digestion can be separated with appropriate manipulation of hydraulic retention time in anaerobic digestion. Kinetic analysis of data from the various hydraulic retention times using a phase specific model obtained form the acid phase indicated maximum specific growth rate of 0.40/h, saturation constant of 2,000mgCOD.$\ell$, yield coefficient of 0.35 mgVSS/msCOD utilized and decay constant of 0.04/h for the acid production rate. Similar analysis of data for the gas production rate indicated maximum specific growth rate of 0.003/h, saturation constant of 2,200mgCOD/$\ell$, yield coefficient of 0.035 mgVSS/mgCOD utilized and decay constant of 0.06/h.

• Journal of Microbiology and Biotechnology
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• v.18 no.6
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• pp.1130-1135
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• 2008

The effect of pH on anaerobic hydrogen production was investigated under various pH conditions ranging from pH 3 to 10. When the modified Gompertz equation was applied to the statistical analysis of the experimental data, the hydrogen production potential and specific hydrogen production rate at pH 5 were 1,182 ml and 112.5 ml/g biomass-h, respectively. In this experiment, the maximum theoretical hydrogen conversion ratio was 22.56%. The Haldane equation model was used to find the optimum pH for hydrogen production and the maximum specific hydrogen production rate. The optimum pH predicted by this model is 5.5 and the maximum specific hydrogen production rate is 119.6 ml/g VSS-h. These data fit well with the experimented data($r^2=0.98$).

• Proceedings of the Korean Society of Medical Physics Conference
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• 2002.09a
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• pp.311-313
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• 2002

We are under development of a 3D PET scanner with depth of interaction (DOI) capable of high sensitivity and high resolution. In this scanner, a maximum data transfer rate of coincidence pair's event information is 10 Mcps and one event is a 64-bit data format. This maximum data transfer rate corresponds by 10 times a conventional PET scanner. A data acquisition system, which fulfills the specification of this scanner, is considered for parallel collection with banks including several coincidence units. Data transfer rate is improved by optimizing parameters of a message size, and so on.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.33 no.3B
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• pp.112-122
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• 2008

Basing on Piconet, The Bluetooth System forms network and transmits data. There is one Master and maximum 7 Slave bluetooth devices in one piconet. A job scheduler performed by Master bluetooth device, gives the chance of data transmission to Slave bluetooth devices, which connected to Master, using polling method in piconet. The maximum data rate is 723.2 kb/s when it uses ACL link with DH5 packet type in a piconet which is constructed by two bluetooth devices. However, if there are one master and two slave devices in a piconet, then the maximum data rate is reduced to a half(361.6kb/s), because a master device has to support same data rate for all connected devices. And, there is the defect in scatternet when data transmission rate becomes low(Maximum rate: 302.2kb/s). This paper proposals the new ad-hoc network topology called "DoublePico"for overcome the low data transmission in scatternet which is constructed by piconets. The method of doublepico that represented in this paper makes high data transfer rate(Maximum rate: 457.57kb/s) in bluetooth ad-hoc networks.