• Information Systems Review
• /
• 제9권2호
• /
• pp.129-147
• /
• 2007

At the time the local credit-card companies plunged into a liquidity crisis in 2002, S-Card was urged to take into account the estimated customer income (ECI) to enhance its customer credit evaluation function for the first time in Korean financial industry. Before this new attempt by S-Card, most credit-card companies including S-Card had performed a customer's credit evaluation based on the customer's behavioral factors such as the amount of purchase on credit, debt payment, and financial history that is provided from the Credit Bureau. However, this approach failed to measure customer's potential value which is one of the major factors in judging the customer's ability to pay, and hence, led to difficulties in risk management. The purpose of this case study is to present the better approach to sophisticated risk management for financial firms in Korea by reviewing S-Card's process of customer income estimation and its application to risk management.

• Journal of the Korean Society for Library and Information Science
• /
• 제27권
• /
• pp.99-124
• /
• 1994

This study examines the establishment of Sea-po (서포) in the opening period of Korea at the end of the 19th century. The role they played, the particular situations and their geographical characteristics are researched, The earliest sea-po was Koh-je-hong sea-po, which was established in Tae­kwang-kyo at the end of 1880s. Around 1905, a specialised book distribution system was set up with establishement of Chu-han-yung book store, Kim-sang-man book store, Jesuit book store, Tae-dong su-si, Kae-myung sea-kwan, Tong-wha seo-kwan. The owners of the seo-pos were pioneers in introducing modern culture with nationalistic consciousness, although they were primarily businessmen and their social origins varied. The primary role of seo-pos was selling a variety of books but some combined printing and publication of books as well. It seems that publication business took roots around 1908, though it is difficult to know the accurate dates of first attempts. Some sea-pas offered book rental services for poor people who could not easily afford to purchase books. A certain amount of deposit had to be paid to benefit from the services. Jesuit Bookstore in Pyungyang had a library facility with a large stock or books in the same building open to public for free. These sea-pas started mainly in Seoul and Pyungyang, which were traditional centers for economic and cultural affairs. Early introduction of foreign cultures and commercial developments in these areas contributed to the establishment of sea-pos. The sea-po which took charge of book distribution in the provinces was set up around 1906. One of the important findings of this study is that the geographical distribution of sea-po shows the following three characteristics. First is that the area such as Seoul, Taegu and Chunju were the traditional centers of publishing culture from which Pang­gak-bon(방각본) emerged. Second characteristic is Pyungyang and the surrounding Pyungbuk province, and harbors like Inchon and Pusan, which had the benefits of early spread of modem cultures. Third characteristic is Kaesung and the surrounding Hwanghae province which bridged Pyungyang and Seoul. The reception of foreign cultures stimulated the commercial spirits traditionally attributed to Kaesung to establish sea-pas most actively.

• Informatization Policy
• /
• 제17권2호
• /
• pp.86-103
• /
• 2010

This paper computes the economic impact of handset subsidies using the recent Input-Output Tables and compares the results with other alternatives which telecommunications companies can choose. The first scenario is that telecommunications companies give handset subsidies to consumers and sales agents. The second is that the companies do not give the subsidies to them, but instead spend the same amount of subsidy on facility investment. The third is that the companies lower the prices of their mobile communications services and consumers spend the saved expenses on other goods and services. The result is that the production, value added, import, job, employment inducement coefficients of the first scenario is larger than those of the second and third scenarios. The reason is as follows. The handset subsidy results in the incentive to consumers for handset purchase or the incentive for sales agents to sell the telecommunication services of the companies. The former has larger production and import inducement effect, and the latter also has larger value-added, job, and employment inducement effect than those of other scenarios.

• Journal of the Korean Society of Food Culture
• /
• 제29권6호
• /
• pp.511-518
• /
• 2014

This study was conducted to investigate the degree of practice of dietary behavior and dining out in accordance with intake of sodium among male and female adults aged 20 years or older residing in the Seoul Metropolitan area or Chungcheong Province. A total of 530 copies of the questionnaire were distributed from May to July, 2014. The SH group who responded that they eat a lot of sodium constituted 30.6% (158 people), followed by the SM group who responded that their sodium intake is about average at 55.7% (288 people) and the SL group who answered that they do not eat much sodium at 13.7% (71 people). Those in the SL group showed positive results for dietary behavior patterns. The SL group showed the lowest rate in terms of how often they eat harmful foods, including processed foods, sweet foods, salty foods, or food with high animal fat content such as pork belly. Positive results among the SL group were prominent in terms of avoiding over-drinking, regular exercise, and nutritional knowledge, indicating greater health management. The distribution of each group in terms of self-perceived sodium intake showed significant differences across age, gender, and household income in terms of frequency of fast food intake, regularity of meals, purchase of foods with consideration of sodium amount, frequency of missed meals, balance of food intake, and health management habits.

• The Korean Journal of Applied Statistics
• /
• 제29권1호
• /
• pp.243-255
• /
• 2016

The developed composite index has limits to estimate and predict economic status due to economic pattern change and the response change of explanatory variables. A higher precedence individual indicators should be selected to predict the future accurately. In this study, effectiveness of Jeju Island precedence indicators consists of constituents in the area, the consumer price index, services production index, mining and manufacturing production index. The average temperature of Seogwipo and credit card purchase amount is reviewed as an economic turning point consideration and time lag correlation analysis with real data. In addition, we suggest the proper reference cycle in Jeju composite precedence index and evaluate the configuration in leading indicators for Jeju by comparing national economic indicators. Based on the derived results, the current problems of Jeju Island precedence indicators will be illustrated and the improvement methods to estimate a regional composite index will be suggested.

• Journal of the Korean Society of Food Culture
• /
• 제28권5호
• /
• pp.480-487
• /
• 2013

This study is conducted to investigate to the consumption pattern of Kimchi and perception about the functional Kimchi of consumer. The survey was done between October 1 to October 15, 2011 among 294 male and female adults aged 19 and over in Seoul and Gyeonggi-do areas. The gender distribution of subjects was 33.3% males and 66.7% females. 64.3% of subjects prepared Kimchi by themselves, 23.5% of subjects received Kimchi from relatives and 12.2% of subjects purchased Kimchi from the market. In addition, the rate of preparing Kimchi at home is highest in those aged fifty or over. Only 41.8% of subjects knew how to make Kimchi. 72.1% of subjects responded that they ate Kimchi one or more a day. 46.6% of subjects have purchased commercial Chinese cabbage Kimchi. The amount of one-time purchase of commercial Kimchi were investigated; 45.2% of subjects have been buying 500-1 kg, 34.4% of the subjects bought less than 500 g, and 11.2% of subjects bought 1-3 kg. 28.2% of subjects buy Kimchi at the supermarket and warehouse market. With regard to the evaluation of Kimchi taste, most consumers were not satisfied with the sweetness of Kimchi. In this result, the perception about functional Kimchi was very low. Consumer's demands were as follows: nutrient enhancement, strengthening of biologically active substances, lactic acid bacteria enhancement in order. Small sales units were preferred by the consumers, and complementation of sweetness of kimchi was required. Various Kimchi including functional Kimchi must be developed to meet the needs of consumers.

• Journal of the Korean Society of Clothing and Textiles
• /
• 제30권5호
• /
• pp.788-799
• /
• 2006

The purpose of this study was to analyze fashion merchandising process, to apply customer information in merchandising process and to examine customer management strategies of fashion industry in on-line and off-line channel. In depth, face to face interviews with structured questionnaires were conducted with MD and customer managers from selected 4 brands, one from each categories of men's, women's, casual and sports wear. Key findings of the study were as follows: First, they followed fashion merchandising process of 18 steps and collected trend information and sales data were applied to planning, selling/promoting process to plan season concept, design, and promotion activity. Second, commonly applied customer information types in fashion merchandising process were all from indirect information collected from sales data and forecasting companies. However, casual and sports wear conducted consumer monitoring activity f3r collecting customer data directly from customer participation. Third, in off-line channel, customers are segmented by amount of purchase they make in a specific time period and all the categories show high interest in valuable customers. However, only men's and woman's wear conducted promotion activities for valuable customers as a differentiated marketing strategy. In on-line channel, companies were interacting with the customers through internet web site to determine their demands. In conclusion, this study has significance in that it propose the necessity and strategy of differentiated customer management approaching by analyzing and comparing fashion merchandising activity process cases.

• Journal of Digital Contents Society
• /
• 제18권4호
• /
• pp.707-712
• /
• 2017

As the amount of data increases exponentially, the recommender system is attracting interest in various industries such as movies, books, and music, and is being studied. The recommendation system aims to propose an appropriate item to the user based on the user's past preference and click stream. Typical examples include Netflix's movie recommendation system and Amazon's book recommendation system. Previous studies can be categorized into three types: collaborative filtering, content-based recommendation, and hybrid recommendation. However, existing recommendation systems have disadvantages such as sparsity, cold start, and scalability problems. To improve these shortcomings and to develop a more accurate recommendation system, we have designed a recommendation system as a factorization machine using actual online product purchase data.

• Food Science and Preservation
• /
• 제11권4호
• /
• pp.491-495
• /
• 2004

Consumers were tend to purchase more natural sweeting materials then atificial sweeting materials because of safety and the consumed amount of natural sweeting material was increased sharply with consumers concern to health. The proper harvest time with changes of sweeting material contents was investigated in the purpose of cultivation and utilization on functional foodstuff, Soluble solid content and extraction yield were increased with growth priod, but pH was decreased. Color value, transmittance and browning color showed little. L, a, b values was changed a little. Stevioside ratio($68.97\%$) in sweetness components was decreased to $61.09\%$. Rebaudioside A ratio was increased from $20.83\%\;to\;27.52\%$ stevioside contents was maximized to $12.80\%$ of August. The highest sweetening potencies of stevia leaves was 2530times to sugar. The stevia leaves harvested at May showed the best deliciousness.

• Korean Journal of Plant Resources
• /
• 제4권2호
• /
• pp.67-74
• /
• 1991

Many people have a growing interest on the health result from economic improvement, various environimental pollution and stress, and unrest on the adult diseases etc.In these result, demand for the herb medicine continues to expand. Farmers of theour country have a hardship in the farm management owing to of opening and liberaliza-tion, and make strenuous efforts on the devclopment of substitute crops to overcomethese differties. Government nowadays recommends the cultivation of the economiccrops like a flowers, medicinal herbs mushroom and clean vegetables. Medicinal herbsare specially profitable among these crops because herbs are possible to culture inwaste land, disused field and slope land, and owing to need less labor and competitionthan those of other crops. The most important problem is the facts that the compli-cation of currency structure of herb medicine inflicts mucll loss to cultivators. Therefore, this study was investigated the state of herb cultivation and the facts to be imploved in currency structure of the harvested herb medicine.1 . The cultivating area and output have been gradually increased and much produc-ted in Kyoungbuk, Kangwon, Choongbuk, Cheonbuk and Cheonnam province in or-der of cultivating area 2. Collection amount of wild herb medicine is decreasig bythe reason of the varous difficulties on the collection. 3. Cultivators of medicinal herbscan make agricultural management more resonable in information exchange on theherb cultivation, purchase of seed, fertilizer, chemicals and other materials, and sell-ing of harvested herb medicine by organization of cultivator fraternity. 4 Cultivatorshave to exclude intermediary margin by the development of direct transaction andcontract cultivation with medicinal herb store, drug manufacturer, chinese meicinehospital and trading firm etc. And also, by the performing exportation with foreign consumer.