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최현민 ( Choi¸ Hyunmin ) 한국금융소비자학회 2021 금융소비자연구 Vol.11 No.2
2021년 3월 5일 시행된 금융소비자보호법은 종전 자본시장법상 미비했던 설명의무 제도의 실효성 확보를 위해 필요한 여러 구체적 규제사항을 신설하였다. 특히 금융소비자보호법에서 설명의무의 실효성 확보를 위해 설명 대상인 금융상품의 중요한 사항에 관한 구체적 기준을 마련하고, 손해배상청구 시 입증책임의 전환과 함께 위법계약해지권을 도입하여 위반 시 제반 구제수단을 부여하며, 징벌적 과징금제도를 통해 금융 회사에 대한 강력한 제재를 예정함으로써 금융소비자 보호를 한층 강화한 것은 종전 법률에 비해 진일보한 규제정책이라고 평가할 수 있다. 그럼에도 불구하고 일부 규정의 경우에는 여전히 개선의 여지가 있는 부분이 있어 입법론적인 보완이 요구된다. 본고에서는 금융소비자보호법상 설명의무의 모델이 되었던 자본시장법상 설명의무와 금융소비자보호법상 설명의무의 주요내용 및 법률관계에 대해 비교ㆍ검토하고, 금융소비자보호법상 설명의무 관련 규제의 보완점을 분석하여 향후 개선과제들에 대해 생각해보고자 한다. The Financial Consumer Protection Act enacted on March 5, 2021 established several regulations in order to secure the effectiveness of the duty of explanation, which had been incompletely regulated by the Financial Investment Services and Capital Markets Act(hereinafter the Capital Markets Act). It is estimated as a evolved regulation policy as compared to the previous legislation, especially as it sets specific standards for important financial product information that need to be explained, provides several remedies for the breach of rules such as the shift of burden of proof and introduces the right to terminate illegal contracts. However few provisions that still leave some room for improvement need to be redeemed. This paper compares and studies the main contents and legal relationships of the duty of explanation provided in the Capital Markets Act and the Financial Consumer Protection Act, analyzes the measures to supplement current regulations of the duty of explanation and examines the future tasks in order to improve the shortcomings.
Naval Vessel Spare Parts Demand Forecasting Using Data Mining
Hyunmin Yoon(윤현민),Suhwan Kim(김수환) 한국산업경영시스템학회 2017 한국산업경영시스템학회지 Vol.40 No.4
Recent development in science and technology has modernized the weapon system of ROKN (Republic Of Korea Navy). Although the cost of purchasing, operating and maintaining the cutting-edge weapon systems has been increased significantly, the national defense expenditure is under a tight budget constraint. In order to maintain the availability of ships with low cost, we need accurate demand forecasts for spare parts. We attempted to find consumption pattern using data mining techniques. First we gathered a large amount of component consumption data through the DELIIS (Defense Logistics Intergrated Information System). Through data collection, we obtained 42 variables such as annual consumption quantity , ASL selection quantity, order-re-lase ratio. The objective variable is the quantity of spare parts purchased in f-year and MSE (Mean squared error) is used as the predictive power measure. To construct an optimal demand forecasting model, regression tree model, randomforest model, neural network model, and linear regression model were used as data mining techniques. The open software R was used for model construction. The results show that randomforest model is the best value of MSE. The important variables utilized in all models are consumption quantity, ASL selection quantity and order-release rate. The data related to the demand forecast of spare parts in the DELIIS was collected and the demand for the spare parts was estimated by using the data mining technique. Our approach shows improved performance in demand forecasting with higher accuracy then previous work. Also data mining can be used to identify variables that are related to demand forecasting.
Hyunmin Hwang(황현민),Dong Wook Chae(채동욱),Youngho Eom(엄영호) 한국고분자학회 2021 폴리머 Vol.45 No.2
폴리아크릴로니트릴(PAN) 기반 혼합 용액의 전기방사를 통해 다공성 탄소나노섬유를 제조하였으며, 혼합된 고분자와 PAN 간 혼화성이 기공 구조에 미치는 영향이 연구되었다. 탄화 후 다공성을 부여하기 위해 희생용 고분자로 폴리비닐리덴플로우라이드(PVDF)와 스티렌-아크릴로니트릴 공중합체(SAN) 두 종이 선택되었고, PAN과 두 희생용 고분자 간 혼화성은 이론 및 실험적으로 평가되었다. 용해도 지수 분석 결과 SAN보다 PVDF가 쌍극자-쌍극자 상호작용을 통해 PAN과 더 가까운 친화성을 가짐이 증명되었다. PAN과 SAN(1.19)보다 PVDF(0.52) 간 더 낮은 용해도 지수 값은 PAN-PVDF계의 더 우수한 혼화성을 정량적으로 뒷받침해주었다. PAN/PVDF 혼합 필름의 동적 기계 분석에서, PAN과 PVDF의 유리전이온도를 나타내는 손실 탄젠트(tan δ) 피크가 각각 관찰되었고 서로를 향하여 이동하는 현상은 두 고분자의 부분적 혼화성을 입증하였다. 하지만, PAN/SAN 혼합필름의 경우, PAN의 tan δ피크 이동이 미미하였고, 이는 낮은 혼화성을 나타내는 이론적 분석 결과와 일치하였다. 탄화 후 PVDF계 혼합섬유는 길쭉한 형태의 기공구조를 보이는 반면, SAN계는 원형 기공구조를 가졌다. 이러한 기공구조의 차이는 두 희생용 고분자와 PAN 간의 혼화성 차이에 기인하였다. Porous carbon nanofibers were prepared via electrospinning of polyacrylonitrile (PAN)-based blend solutions and effects of miscibility of the blended polymers on pore structure were investigated. Two sacrificial polymers, poly(vinylidene fluoride) (PVDF) and poly(styrene-co-acrylonitrile) (SAN), were chosen as a sacrificial component to yield porosity after carbonization. The miscibility of PAN with each sacrificial polymer was evaluated both theoretically and empirically. Analyzing solubility parameters revealed that PVDF had higher chemical affinity with PAN due to dipole-dipole interaction than SAN. Lower value of Flory-Huggins interaction parameter of PAN with PVDF (0.52) than with SAN (1.19) quantitatively confirmed the better miscibility of PAN-PVDF. In dynamic mechanical analysis of PAN/PVDF blend films, individual loss tangent (tan δ) peaks (i.e., glass transition peak) for PAN and PVDF were observed but they were shifted to each other, indicating partial miscibility. In PAN/SAN films, however, the peak shift of PAN was negligible. These results coincided well with the theoretical analysis. After carbonization, the blend nanofibers exhibited high porosity with different pore structures; elongated shape for PVDF and round shape for SAN system. The pore structure discrepancy in the two systems was ascribed to the miscibility difference of each sacrificial polymer with PAN matrix.
Expression of antinuclear antibodies in patients with alopecia areata
( Hyunmin Seo ),( Sang Hyeon Hwang ),( Heun Joo Lee ),( Yoon Hwan Kim ),( Joon Hongmin ),( Joon Lee ),( You Jin Yang ),( Eung Jae Lee ),( Ji Hye Park ),( Chong Won Choi ),( Ga Young Lee ),( Soo Hong P 대한피부과학회 2012 대한피부과학회 학술발표대회집 Vol.64 No.3