• Information Systems Review
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• v.10 no.3
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• pp.89-109
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• 2008

Korean card firms suffered harsh setbacks due to high credit defaults in 2002 and 2003, after issuing cards recklessly. Their key principle is changed to grow without damaging profitability and financial soundness. However, competition in the credit card market is heating up rapidly. Bank-affiliated card firms, having stronger sales networks and more capital than independent issuers, have increased their investments in card affiliates in a bid to develop new cash cows. Moreover, newly emerging independent card firms have waged fiercer campaigns to raise their credit card market share. In order to overcome these business conditions, S-card has settled on a strategy that focuses on stepping up marketing aimed at increasing charge card spending rather than credit card loans or cash lending services. Accordingly, S-card reformed the current business classification system of merchants, which was out-of-dated and originally built for the purpose of deciding merchant service fees only. They also drove customer segmentation planning to deliver the right customers to the right merchants. In this paper, we emphasize the problems of business classification systems of merchants with which most credit card firms have faced, and the need for reforming them not only to provide customer-tailored services but also to raise their business promotion excellence by reviewing S-card's process of customer segmentation.

• Journal of the Korean Association of Geographic Information Studies
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• v.8 no.4
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• pp.102-113
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• 2005

Ecosystem is composed of human, biotic and abiotic environment. Landscape is an ecosystem which appear in a unit region. These landscape are the spatiotemporal land mosaic which is combined with various landscape elements. And, land use and land cover changes are important factors of landscape structure changes. This study is mainly focused on the analysing the spatiotemporal change patterns of Daegu metropolitan sphere forest landscape, using landscape indices and Ecosystem Service Value (ESV) which quantify ecosystem structures and functions. The results of this study are as follow: The encroachment and fragmentation of forest were due to linear developments, i. e. road construction, rather than large-scale developments such as residental lands or industrial complexes. And, the core area percentages of landscape gradually decreased and these could possibly deteriorate the soundness of forest areas by reducing the core areas which are habitats of species. In addition, there was intimate relations between ESV and forest landscape area. The results of this study can be detached standards for impartial judgements between the logic of development & conservation, and basic standards for the establishment of development plans, i. e. metropolitan-plans, which are adequately reflected ecosystem value.

• Journal of the Institute of Electronics Engineers of Korea CI
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• v.41 no.2
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• pp.51-64
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• 2004

The purpose of this paper is to establish the Standard Korean Vocal Sound into Character Conversion Rule (Standard VSCC Rule) by reversely applying the Korean Standard Pronunciation Rule that regulates the way of reading written Hangeul sentences. The Standard VSCC Rule performs a crucially important role in Korean speech recognition. The general method of speech recognition is to find the most similar pattern among the standard voice patterns to the input voice pattern. Each of the standard voice patterns is an average of several sample voice patterns. If the unit of the standard voice pattern is a word, then the number of entries of the standard voice pattern will be greater than a few millions (taking inflection and postpositional particles into account). This many entries require a huge database and an impractically too many comparisons in the process of finding the most similar pattern. Therefore, the unit of the standard voice pattern should be a syllable. In this case, we have to resolve the problem of the difference between the Korean vocal sounds and the writing characters. The process of converting a sequence of Korean vocal sounds into a sequence of characters requires our Standard VSCC Rule. Making use of our Standard VSCC Rule, we have implemented a Korean vocal sounds into Hangeul character conversion system. The Korean Standard Pronunciation Rule consists of 30 items. In order to show soundness and completeness of our Standard VSCC Rule, we have tested the conversion system with various data sets reflecting all the 30 items. The test results will be presented in this paper.

• Journal of the Korean Association of Geographic Information Studies
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• v.8 no.2
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• pp.175-185
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• 2005

Governmental authorities have been trying to develop our city in respect to the growth of economy and it is true that their developmental policies have negative effects on ecosystem without doubt. To estimate these negative effects, this study is mainly focused on analysing the usage of the land according to the urban growth, and the temporal and spatial patterns between the elements which consist of the landscape of Daegu Metropolitan Sphere, by using the GIS method and the landscape indices. The results of the this study are as follow; the urban areas widened for $193.4km^2$ due to the shift of the urban function, and the forest areas were encroached for $455.6km^2$ into other landcover patterns. It was the shift of the agriculture areas that are given the most influence in those procedures since those developmental conditions are relatively satisfactory. Moreover the forest areas are structurally fragmented into the complicated form, and also the patterns of adjacent patches are become complex. These transitions are regarded as causes of increased external interventions to the forest areas, and these could possibly deteriorate the soundness of forest areas by reducing the core areas which are habitats of species. In conclusion, the results of this study evaluate the influence of much broader urban development on environment structure around urban and mutual relationship between them. In addition, it can provide methods and basic informations for the establishment of metropolitan urban plan after due considerations of the landscape ecological principle.

• Management & Information Systems Review
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• v.34 no.5
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• pp.23-47
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• 2015

In the Korea stock market, individual investors have perceived stock as short arbitrage investment, not long-term investment strategy. In order to reinforce stock market transparency and soundness, it is important to enforce the measures for stock market management. Especially, stock market event caused by financial policy can be given individual investors negative information regarding a stock trading. Thus, it is a need for investigating whether comprehensive review of listing eligibility is influenced on individual investors' responses and stock behaviors in respect of effectiveness. The purpose of this study to examine the relations between such stock market management and transitional aspect of individual investors' trading types and response on the based of pre- and post-event occurrence. Using an dataset of user's text messages on 9 firms posted on the firm-based social media (i.e., Naver, Daum, Paxnet) over the period 2009 to 2014. And we performed text-clustering and topic modeling according to keywords for classifying into investors group and non-investors groups and two types of investors were categorized depending on main topic transition by event windows in Comprehensive review of listing eligibility. The results indicated that a variety of stockholders existed in the stock. And the ratio of non-investors group was on the decrease, on the other hand, the proportion of investors group veer onto the side of pre-pattern after comprehensive review of listing eligibility. A distinctive feature of our study is to explain the influence of stock market management on response changes of individual investors as well as to categorize in accordance with time progression. Implications an suggestions for future research were also discussed.

• Management & Information Systems Review
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• v.34 no.5
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• pp.71-92
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• 2015

This study analyzes the impact of Corporate Social Responsibility (CSR) activities on financial performances using Bayesian Network. The research tries to overcome the issues of the uniform assumption of a linear function between financial performance and CSR activities in multiple regression analysis widely used in previous studies. It is required to infer a causal relationship between activities of CSR which have an impact on the financial performances. Identifying the relationship would empower the firms to improve their financial performance by informing the decision makers about the different CSR activities that influence the financial performance of the firms. This research proposes General Bayesian Network (GBN) and presents Markov Blanket induced from GBN. It is empirically demonstrated that all the proposals presented in this study are statistically significant by the results of the research conducted by Korean Economic Justice Institute (KEJI) under Citizen's Coalition for Economic Justice (CCEJ) which investigated approximately 200 companies in Korea based on Korean Economic Justice Institute Index (KEJI index) from 2005 to 2011. The Bayesian Network to effectively infer the properties affecting financial performances through the probabilistic causal relationship. Moreover, I found that there is a causal relationship among CSR activities variable; that is Environment protection is related to Customer protection, Employee satisfaction, and firm size; Soundness is related to Total CSR Evaluation Score, Debt-Assets Ratio. Though the what-if analysis, I suggest to the sensitive factor among the explanatory variables.

• Journal of the Korea Concrete Institute
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• v.29 no.4
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• pp.399-406
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• 2017

CaO-based by-product, which consist of CaO, $SO_3$, $Al_2O_3$ and so on, has being used to raw materials of CaO compound. When It was applied to recycling water of remicon, concrete performance can be enhanced because hydration reaction of powder material is accelerated. In this study, activated-sludge, which was putted desulfurization gypsum of CaO-based in recycling water, was manufactured to verify effect of them, and then they was investigated by characteristics of cement matrix and mortar. As a results, they indicated reduction of setting time and high soundness in cement matrix, and acceleration of hydration reaction can be verified by XRD analysis. Also, it can be maintained good workability if water content by usage of desulfurization gypsum, which used for production of activated-sludge, was adjusted. In addition, it can be verified strength development by activated-sludge although cement content by usage of desulfurization gypsum was reduced.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.35 no.6
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• pp.1347-1356
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• 2015

Since 1970 transportation investment has been made rapidly, however the doubt on duplication and overinvestment of transportation facility also has been brought up. Thus the necessity for reasonable estimation of investment scale increases. In this paper various researches related to this subject are reviewed and categorized according to their methodologies, namely, the methodology using international comparison, trend of investment policy and endogenous economy development model. Based on these methodologies, AHP is applied to calculate proper investment scale. The result shows that the budget for satisfying the investment scale is estimated about 19.51~24.49 trillion won. This value is 4.28~9.26 trillion won higher than the proper investment budget established in National Fiscal Management Plan. In the future, it is necessary to establish systematic and efficient transportation investment plan by developing transportation policy model which can assess the economic feasibility, social equity and environmental soundness etc. at the same time.

• Communications for Statistical Applications and Methods
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• v.15 no.5
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• pp.697-708
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• 2008

Operational risk is defined as the risk of loss resulting from inadequate or failed internal processes, people and systems, or external events. The advanced measurement approach proposed by Basel committee uses loss distribution approach(LDA) which quantifies operational loss based on bank's own historical data and measurement system. LDA involves two distribution fittings(frequency and severity) and then generates aggregate loss distribution by employing mathematical convolution. An objective validation for the operational risk measurement is essential because the operational risk measurement allows flexibility and subjective judgement to calculate regulatory capital. However, the methodology to verify the soundness of the operational risk measurement was not fully developed because the internal operational loss data had been extremely sparse and the modeling of extreme tail was very difficult. In this paper, we propose a methodology for the validation of operational risk measurement based on bootstrap confidence intervals of operational VaR(value at risk). We derived two methods to generate confidence intervals of operational VaR.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.13 no.3
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• pp.85-98
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• 2018

This study aims to investigate the effects of venture & inno-biz companies' technological innovation competences on technological performances and economic competitive advantage, using VRIO framework. The empirical data for this study were based on the technology assessment results of Korea Technology Finance Corporation (KOTEC) on 3,462 venture & inno-biz companies and the following 2 years' financial data. Sample companies with technological innovation resources, such as technology management strategy(Value), differentiation of technology(Rarity), imitation difficulty of technology(Imitability) and technical organization capability(Organization), made efforts to expand their intellectual property rights, technological development and commercialization of new products, thereby ensuring technological competitive advantage. Furthermore, technological competitive advantage were proved to improve sales growth, increase in operating revenue, and financial soundness. Compared with four VRIO factors' influence on business performance, imitation difficulty of technology(Imitability) and organization technological capability(Organization) had much more influence than any other internal resources or capabilities respectively.