중소기업 지원용 공공기금의 효율적 관리를 위한 제도개선 방안

이성우(SeongWoo Lee) 한국부패학회 2011 한국부패학회보 Vol.16 No.4

Credit Guarantee Fund and Technology Credit Guarantee Fund (“Public Funds” hereinafter) are founded by the CREDIT GUARANTEE FUND ACT and TECHNOLOGY CREDIT GUARANTEE FUND ACT each to support the financing of Small and Medium Enterprises("SMEs" hereinafter) which have deficient collateral. These Public Funds only focus on the guarantee support services to help the companies without any other special following-up control except for exercising the right to indemnity after subrogation fulfilled by them. Public funds are not the private sectors for profit, but public organizations made in accordance with the ideals of public welfare for the development of SMEs. Therefore, for maintaining the financial soundness, Public Funds should take the charge of management of the SMEs Public Funds subrogated (which have become enterprises insolvent) because the government's contribution is the largest portion of Public Funds. As mentioned above, after subrogation, Public Funds should maintain the soundness by improving the value of the SMEs Public Funds subrogated (which have become enterprises insolvent) or collecting the debt quickly from the corporate bankruptcy foundation of that above mentioned SMEs as the manager for company rehabilitation or the trustee in bankruptcy on DEBTOR REHABILITATION AND BANKRUPTCY ACT.

대출중개 플랫폼별 고객의 채무불이행 리스크 비교

이성우(SeongWoo Lee),김연국(Yeonkook J. Kim) 한국산업정보학회 2024 한국산업정보학회논문지 Vol.29 No.2

2019년 금융위원회의 온라인 대출 중개 서비스 도입 허용에 따라 핀다와 토스같은 핀테크 대출중개 플랫폼들이 가파르게 성장하였다. 하지만 대출중개 플랫폼으로 대출을 받은 고객들은 기존의 모집법인을 통해 대출을 받은 고객들보다 채무불이행 위험도가 더 높은 것으로 보고되었다. 본 연구는 생존분석 기법을 통해 신용대출을 받기 위해 대출중개 플랫폼을 통해 대출을 받은 고객들과 모집법인을 통해 대출을 받은 고객들의 채무불이행 위험도를 비교하고 각 대출중개 플랫폼별로 고객들의 채무불이행에 영향을 주는 특성들을 비교하였다. 분석을 위해 국내 캐피털사의 고객 데이터를 활용하였으며 카플란-마이어 분석 및 AFT 모형을 활용하였다. 모집법인을 통해 대출을 받은 고객들에 비해 대출중개 플랫폼을 통해 대출을 받은 고객들은 개인사업자보다 일반 대출자의 비중이 높고 부동산을 소유하고 있을 확률이 높았으며 대출진행기간이 더 짧았다. 또한 대출진행기간 중앙값(385일)을 기준으로 채무불이행 발생 비율이 더 높았다. AFT 모형을 통해 채무불이행 발생 시기를 분석한 결과 대출중개 플랫폼은 모두 모집법인에 비해 채무불이행 발생 확률이 높은 것으로 나타났다. 또한 대출중개 플랫폼을 통해 대출을 받은 고객의 특성들이 채무불이행 발생 시기에 주는 영향은 플랫폼별로 상이하게 나타났다. 이 결과는 대출중개 플랫폼별로 고객의 리스크 차이를 고려한 맞춤형 전략이 필요함을 보여준다. In recent years, there has been a significant growth in loan comparson services offered by fintech platforms in South Korea. However, it has been reported that loan comparison platform users tend to have a higher risk of default compared to non-users. This paper investigates the difference in platform-specific credit risk factors using survival analysis models – Kaplan-Meier curves and Accelerated Failure Time (AFT) model. Our findings show that, relative to non-users, users of loan comparison platforms are characterized by elevated default rates, a greater propensity for home ownership, lower credit scores, and shorter loan durations. Furthermore, our AFT models elucidate the variance in default risk among the various loan comparison service platforms, highlighting the imperative for customized strategies that address the unique risk profiles of customers on each platform.

지역특성이 인구이동에 미치는 영향 : 계속이동과 회귀이동

이성우(SeongWoo Lee) 한국지역개발학회 2001 韓國地域開發學會誌 Vol.13 No.3

Most migration analyses implicitly treat migration as if it were a once-and-for-all event Most moves, however, are repeat moves, either on to new locations or back to places where migrants lived before. Such repeat events are generally coined as onward or return migration, where the former is a sequence of moves to new locations and the latter represents a move to a previous location The purpose of this article is to extend the empirical literature on population migration by examining the effects of regional differentials on population movement between return and onward migrants. Our findings show some significant differences between return and onward migrants with respect to individual and locational characteristics. Compared with return migrants, onward migrants comprise a higher proportion of those searching for better opportunities in their response to the attractions of potential destinations. Those who overestimated the utility of the potential destination are more likely to be return migrants, taking advantage of kinship ties and location-specific amenities. We suspect that the expected difference in returns may result from a trade-off between the lower costs associated with making a return migration, the possibility of lower income levels following migration, and the help of kinship and location-specific capital in the home regions, relying upon relatives and friends for monetary or social assistance during the transition period right after migration.

서울시 정보화수준의 자치구별 격차 및 개선방안에 관한 연구

이성우(SeongWoo Lee),지우석(WooSuk Zhee),정진규(JinKyu Chung) 서울연구원 2004 서울도시연구 Vol.5 No.1

GPT와 선호 정보를 활용한 대화형 여행 추천 시스템 설계 및 구현

이성우(Seongwoo Lee),박형철(Hyeongcheol Park) 한국통신학회 2023 한국통신학회 인공지능 학술대회 논문집 Vol.2023 No.9

암모니아 가스 제거용 개질 활성탄의 표면특성

이성우(Seongwoo Lee),오길용(Gilyong Oh),김리나(Rina Kim),김대근(Daekeun Kim) 한국대기환경학회 2013 한국대기환경학회지 Vol.29 No.3

편견 및 편향적 지역개발 가설의 유효성

이성우(Lee SeongWoo),임형백(Lim HyungBaek) 한국지역개발학회 2003 韓國地域開發學會誌 Vol.15 No.2

The purpose of this study is to investigate whether place of birth matters for households' residential well-being in Korea. The present 3tudy utilizes Korea census data(2% sample) to ev려uate households’s residential well-being denoted by household overcrowding. We cIassified more than 1.5 PPR(persons per room) as a threshold that defines whether or not people live in overcrowded housing. We adopt binary logit modeI with decomposition method to provide evidences of the housing density disparities by place of birth in Seoul metropolitan area. In comparison of the observed values, we found that households from Cholla provinces represent a disproportionately high Jevel of househoJd overcrowding compared with peopJe originated from other provinces. However, in the statistical analysis, the present study found that having controIled for the factors σaditionally thought to influence housing density, as well as other housing market characteristics in Seoul, we couldn’t find any cIear effect of the prejudice explained by residu려 effects against people from Cholla. Rather the effect is the highest for people from Kangwon, of which the finding is contrary to those of the previous studies. We concIude that pJace of biπh has partial effect on living in a suitable Iiving environment, which is denoted by housing density in this study. The present study concIuded with some policy issues to alleviate the soci머 disparities and suggested some future studies.

분산 시각 미디어 검색을 위한 웹 서비스 기반 매치메이커 구현

이성우(Seongwoo Lee),안철범(Chulbum Ahn),서보원(Bowon Suh),나연묵(Yunmook Nah) 한국멀티미디어학회 2008 멀티미디어학회논문지 Vol.11 No.2

웹 서비스 사이트들의 급속한 증가에 따라 수많은 유사 웹 서비스를 중에서 최적의 서비스를 찾는 방법이 문제가 되고 있다. 매치메이커는 주어진 질의에 적합한 서비스 사이트를 찾아주는 일종의 에이전트 시스템이다. 본 논문에서는 분산 시각 미디어 검색 프레임워크인 HERMES를 위한 매치메이커를 제안하고, QoS를 기반으로 결과 서비스 사이트의 순위를 부여하는 방법을 설명한다. 또한 실험을 통해 제안 방법의 유용성과 정확성을 보인다. With the rapid increase of Web Service sites, one emerging problem is how to find the most appropriate Services from the massive number of similar Web Services. A matchmaker is an agent system, which find the best Service providers for the given queries. In this paper, we propose a matchmaker for the distributed visual media retrieval framework, called HERMES, and describe how to rank the resulting Services based on the QoS elements related with visual media Services. To show the usefulness and correctness of the proposed schemes, some experimental results are also shown.

극저온 냉각 챔버 내 냉각 메커니즘 연구

이성우(SEONGWOO LEE),나영상(YOUNGSANG NA),김영균(YOUNGKYUN KIM),전승민(SEUNGMIN JEON),이준호(JUNHO LEE),최성웅(SUNGWOONG CHOI) 한국수소및신에너지학회 2024 한국수소 및 신에너지학회논문집 Vol.35 No.2

The demand for research on materials with excellent cryogenic strength and ductility has been increasing, particularly for applications such as liquid hydrogen (20 K) storage tanks. To effectively utilize liquid hydrogen, a system capable of maintaining and operating at 20 K is essential. Therefore, preliminary research and verification of the cooling system are crucial. In this study, a heat transfer analysis was conducted on a cooling system to meet the cryogenic environment requirements for cryogenic hydrogen chamber, which are conducted at liquid helium temperatures (4 K). The cooling mechanism in a helium cooling system was examined using numerical analysis. The numerical cooling trends were compared with experimentally obtained cooling results. The good agreement between numerical and experimental results suggests that the numerical approach developed in this study is applicable over a wide range of cryogenic systems.

수산화철-분말활성탄 혼합 흡착제의 유입 혼합가스 조건에 따른 황화수소와 실록산 제거 특성

이성우 ( Seongwoo Lee ),김대근 ( Daekeun Kim ) 한국폐기물자원순환학회(구 한국폐기물학회) 2019 한국폐기물자원순환학회지 Vol.36 No.2

The purpose of this study was to investigate the effect of gas composition with an iron hydroxide-activated carbon powder composite for the removal of hydrogen sulfide and siloxane (D4) in a fixed bed reactor. As a result of the breakthrough test that controlled the space velocity, initial concentration, relative humidity, oxygen, and gas mixture of methane/carbon dioxide, the adsorption capacity of hydrogen sulfide for the iron hydroxide-activated carbon powder composite was improved up to five times by 60% of the relative humidity. In addition, the space velocity and initial concentration were found to be important factors. The adsorption capacity of siloxane increased by 0.168 g siloxane/g adsorbent with increasing space velocity. In the case of simultaneous removal of hydrogen sulfide and siloxane, the adsorption capacity of hydrogen sulfide was negligible compared with that of siloxane, and the adsorption capacity of the siloxane was decreased by the hydrogen sulfide.