• 경영과학
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• 제33권3호
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• pp.65-87
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• 2016

Being the FinTech technologies rapidly developed, the non face-to-face private loan market is also growing dramatically. While the real-world interests in this market are keen, the empirical studies on the issue are few compared to its prospective impact on credit loan market. This paper suggests a credit scoring model for the non face-to-face private loan employing the ratings approach (the absolute measurement method) of AHP. Analyzing a sample of data consisting of 460,000 transaction records over an 8-year period in the United States, we develop a scoring model for the non face-to-face private loan screening, and validate the model for the practical usage. Conducting sensitivity analysis, we suggest customized cut-off points for the loan execution to suit each individual loan institution's need.

• 산업경영시스템학회지
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• 제22권52호
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• pp.311-322
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• 1999

Major problems involved in an electrical utility expansion planning within a time horizon are how to efficiently deal with objectives considering multiple factors and uncertainty. But justification factors in study these days have considered only quantitative factors except qualitative factors. Therefore, the purpose of this paper is to develop a new model for economic evaluation of nuclear power plants through the scoring model with the quantitative and qualitative factors under uncertainty. The quantitative factors use a levelized generation cost method considering time value of money. Especially, the environmental, risk, and safety factors in this paper have been also explained for the rational economic justification of the qualitative factors under uncertainty. This paper not only proposes a new approach method using the scoring model in evaluating economy of the nuclear power plant in the long term, but also provides the more efficient decision making criterion for nuclear power plants under uncertainty.

• 인지과학
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• 제19권3호
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• pp.223-255
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• 2008

본 논문에서 우리는 문장의 문법성과 텍스트의 어휘 응집성 측정을 위주로 하는 영어 작문 자동평가시스템을 소개하려고 한다. 문법 검사를 위해서는 링크 파서를 사용하고 어휘 연쇄를 측정하기 위해서는 로제 시소러스를 사용한다. 자동 평가 시스템의 채점 신뢰도를 측정하기 위해서 자동 채점과 수동 채점의 결과를 통계적으로 비교한다. 카파 통계와 다국면 Rasch 모형에 따른 분석 결과 자동 채점은 수동 채점과 유사성이 크며 수동 채점과 비교해서 신뢰성에 특별한 문제가 없다는 결론을 내리게 된다. 본 연구의 가장 큰 의의는 다양한 종류의 기술과 도구를 바탕으로 신뢰할 만한 수준의 영작문 자동 평가 시스템을 개발했다는 것이다. 평가 대상이 문장 단위를 넘어 선 텍스트 단위이며, 단어나 문법 등의 형식적 측면만 검사하는 것이 아니라 내용적 측면도 평가한다.

• Asian Pacific Journal of Cancer Prevention
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• 제15권16호
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• pp.6819-6822
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• 2014

Background: The aim of this study was to evaluate the accuracy of a new scoring system in Korean patients with hematuria at high risk of bladder cancer. Materials and Methods: A total of 319 consecutive patients presenting with painless hematuria without a history of bladder cancer were analyzed, from the period of August 2012 to February 2014. All patients underwent clinical examination, and 22 patients with incomplete data were excluded from the final validation data set. The scoring system included four clinical parameters: age (${\geq}50$ = 2 vs. <50 =1), gender (male = 2 vs. female = 1), history of smoking (smoker/ex-smoker = 4 vs. non-smoker = 2) and nature of the hematuria (gross = 6 vs. microscopic = 2). Results: The area under the receiver-operating characteristic curve (95% confidence interval) of the scoring system was 0.718 (0.655-0.777). The calibration plot demonstrated a slight underestimation of bladder cancer probability, but the model had reasonable calibration. Decision curve analysis revealed that the use of model was associated with net benefit gains over the treat-all strategy. The scoring system performed well across a wide range of threshold probabilities (15%-45%). Conclusions: The scoring system developed is a highly accurate predictive tool for patients with hematuria. Although further improvements are needed, utilization of this system may assist primary care physicians and other healthcare practitioners in determining a patient's risk of bladder cancer.

• Asian Journal of Innovation and Policy
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• 제6권2호
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• pp.206-224
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• 2017

This article proposes a logic model for assessing the performance of the outcome of public research as a technology valuation method. It consists of two parts and eight steps. The first part is a scoring system and the second part is a validation process of the performance index derived from scoring by valuation method. The scoring in the first part generally requires a focus group method to find out the value drivers and make an evaluation table. The reason why we call it the technology valuation method is that the first part is derived from the simple evaluation of technology value using checklists for value drive. The second part is the regular technology valuation process. The model is designed for the measurement of unquantifiable outcome. Is knowledge or scientific outcome comparable to the measured outcome? If possible, how big is the unquantifiable outcome? This model is based on financial valuation techniques with clear or acceptable market data. Therefore, it cannot work solely for unquantifiable outcomes without comparable measurable outcomes, unlike economic valuation.

• Journal of the Korean Data and Information Science Society
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• 제21권6호
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• pp.1225-1235
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• 2010

개인신용평점에서 항목그룹화의 과정은 연속형 특성변수를 밴드로 분할하고 이산형 특성변수는 그룹으로 분할하는 것이다. 또한 평점표는 시간이 지나감에 따라 성능이 떨어지게 되고, 따라서 사용되고 있는 승인점을 조정하여야 한다. 그러나 개인신용평점에서 항목그룹화와 승인점의 조정은 매우 복잡하고 번거로운 과정이라고 할 수 있다. 따라서 본 논문에서는 비주얼베이직을 사용하여 개인신용평점에서 항목그룹화와 모형평가를 위한 소프트웨어를 개발하였다. 개발된 소프트웨어를 활용하면 항목그룹화에서 최적의 분할과 모형평가에서 최적의 승인점을 쉽게 찾을 수 있다.

• Nutrition Research and Practice
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• 제14권1호
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• pp.32-44
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• 2020

BACKGROUND/OBJECTIVE: We have previously designed the anti-cancer food scoring model (ACFS) 1.0, an evidence-based quantitative tool analyzing the anti-cancer or carcinogenic potential of diets. Analysis was performed using simple quantitative indexes divided into 6 categories (S, A, B, C, D, and E). In this study, we applied this scoring model to wider recipes and evaluated its nutritional relevance. MATERIALS/METHODS: National or known regional databases were searched for recipes from 6 categories: Korean out-dining, Korean home-dining, Western, Chinese, Mediterranean, and vegetarian. These recipes were scored using the ACFS formula and the nutrition profiles were analyzed. RESULTS: Eighty-eight international recipes were analyzed. All S-graded recipes were from vegetarian or Mediterranean categories. The median code values of each category were B (Korean home-dining), C (Korean out-dining), B (Chinese), A (Mediterranean), S (vegetarian), and D (Western). The following profiles were correlated (P < 0.05) with ACFS grades in the univariate trend analysis: total calories, total fat, animal fat, animal protein, total protein, vitamin D, riboflavin, niacin, vitamin B₁₂, pantothenic acid, sodium, animal iron, zinc, selenium, and cholesterol (negative trends), and carbohydrate rate, fiber, water-soluble fiber, vitamin K, vitamin C, and plant calcium (positive trends). Multivariate analysis revealed that animal fat, animal iron, and niacin (negative trends) and animal protein, fiber, and vitamin C (positive trends) were statistically significant. Pantothenic acid and sodium showed non-significant negative trends (P < 0.1), and vitamin B₁₂ showed a non-significant positive trend. CONCLUSION: This study provided a nutritional basis and extended the utility of ACFS, which is a bridgehead for future cancer-preventive clinical trials using ACFS.

• 응용통계연구
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• 제22권3호
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• pp.489-498
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• 2009

언더라이팅은 보험자가 청약자에 대한 인수여부를 결정하는 보험계약 운영의 초기단계로서, 그 기준의 정교성 여부에 따라 회사에 안정적인 수익을 가져올 수도 있고 예기치 못한 큰 손실을 야기할 수도 있다. 일반적으로, 각 청약자의 위험요소를 파악, 평가하여 위험정도를 평가할 수 있는 점수를 이용하는 스코어링 시스템을 언더라이팅 기준으로 이용하는데, 점수를 산출하기 위한 방법은 각 위험요소별 점수 기준을 설정하고 위험요소별 점수를 합산하는 형태가 보편적이다. 최근 위험율차 이익의 중요성이 강조됨에 따라 기존의 방법에 비해 보다 효과적인 언더라이팅 기법이 요구되고 있다. 본 연구에서는 일반화 선형모형을 이용하여 보다 합리적으로 보험 계약자에 대한 위험도를 추정하는 방법을 제시하였다. 실증분석을 통해 위험집단의 위험도를 평가하고 점수화하는 구체적인 언더라이팅 모형을 설계하였고, 제시된 언더라이팅 모형의 적용효과를 반영하여 언더라이팅 기준을 설정하는 방법에 대해서도 설명하였다.

• 응용통계연구
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• 제24권4호
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• pp.587-595
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• 2011

Credit scoring is an objective and automatic system to assess the credit risk of each customer. The logistic regression model is one of the popular methods of credit scoring to predict the default probability; however, it may not detect possible nonlinear features of predictors despite the advantages of interpretability and low computation cost. In this paper, we propose to use a generalized partially linear model as an alternative to logistic regression. We also introduce modern ensemble technologies such as bagging, boosting and random forests. We compare these methods via a simulation study and illustrate them through a German credit dataset.

• 한국산업정보학회논문지
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• 제4권2호
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• pp.39-43
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• 1999

임의중도절단자료(randomly censored data)를 갖는 일반화된 지수회귀모헝을 고려하여 이 모형에서 모수를 추정하는 수정된 피선 점수화(modified Fisher scoring)방법을 제안한다. 이를 위해 우도방정식(likelihood equations)이 유도되고 추정알고리즘(estimating algorithm)이 개발된다. 실제의 자료를 통해 제안된 방법을 예증한다.