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기업 특성별 기술평가정보의 부도예측력 검증: 관계형성 여부, 업력, 규모를 중심으로
임형준 ( Hyung Joon Lim ) 한국금융연구원 2016 한국경제의 분석 Vol.22 No.1
This paper investigates the default predictability of 5.356 firms that were guaranteed by the Korea Technology Finance Corporation. After the firms are divided into two groups according to their age, size and whether they had been guaranteed by the KTFC before, I estimate the model of default prediction using the firms’ financial ratios and technology rating information evaluated by the KTFC. The estimates show that the default predictability is higher, with AUROC surpassing 70%, for the relationship-formed group, the old group, and the large group. Among four different models, the one with five financial ratios along with one technology rating variable exhibits the best performance. The liquidity and the stability ratio among financial variables and the management and the feasibility rating among technology information contribute the most to the default prediction.
임형준(Lim Hyung Joon),류동현(Ryu Dong Hyeon),원종화(Won Jong Hwa),김문겸(Kim Moon Kyum) 대한토목학회 2008 대한토목학회논문집 A Vol.28 No.2A
The object of this study is to propose a rate of vibration increase in the analysis of temporary rail non-fixed in the vertical direction and characterize the nonlinear dynamic behavior of temporary rail while considering longitudinal and latitudinal load, vibration and lifting. The rate of vibration increase is proposed through measurement of an actual structure that is largely affected by loading and vibration of the superstructure. Dynamic behavior was additionally characterized by the dynamic response resulting from nonlinear dynamic finite element analysis with vehicle loading, including the rate of vibration increase. As a result, the rate of vibration increase by the vibration of an Auto Bar Machine is determined as 7% and the maximum stress in the analysis of the nonlinear rail is increased 14.5% over that of linear rail, and temporary rail is shown to be very sensitive to the velocity of the superstructure. 본 연구는 일반적인 궤도 구조물괴는 달리 지지부와 받침이 레일과 상하로 구속되어 있지 않은 가시설 레일을 해석함에 있어 상부 하중에 의해 발생하는 종 방향 하중과 횡 방향 하중 및 진동, 그리고 들림 현상 등을 고려하여 가시설 레일 구조물의 하중 증가율을 제안한 후 비선형 동적 거동 특성을 파악하는데 목적이 있다. 그리하여 상부 구조물의 하중과 진동에 의한 영향이 클 것으로 판단되는 철근 배근 장치에 대한 실구조물 계측을 통해 하중 증가율을 제안하였으며 비선형 동적 유한 요소 해석을 실시하여 진동에 의한 하중 증가율을 고려한 차륜하중에 의해 발생하는 동적응답을 통해 동적 거동특성을 파악하였다. 그 결과 철근 배근 장치의 진동에 의한 하중 증가율을 7%로 제안하였으며 비선형 동적 거동은 선형화된 레일에 비해 최대응력이 14.5% 증가하였고 상부 주행 장치의 속도에 민감하게 반응하는 것으로 나타났다.
남자 테니스 선수들의 양손 백핸드 동작 시 스탠스에 따른 어깨와 힙 수평회전에 관한 운동학적 비교 분석
임형준(Lim, Hyung-Joon),서국은(Seo, Kook-Eun),강영택(Kang, Young-Taek),박태진(Park, Tae-Jin) 한국체육과학회 2011 한국체육과학회지 Vol.20 No.5
The purpose of this study is to analyze and compare the kinematic variables of the trunk in order to investigate the differences between stance types during the two-handed backhand motion of male tennis players. This will provide quantitative data to assist precise and efficient instruction by determining reference points of position, enhanced performance and skill.In order to achieve these objectives, six male players were selected at a national athletics meeting, and the mean difference between their kinematic variables during a two-handed backhand stroke was studied using three-dimensional motion analysis. The paired t-test was used to compare the stance types, and a one-way ANOVA was used to compare the phase at the time of swinging. Through this process, the following conclusions were obtained. In the backswing phase, the maximum horizontal rotation of the shoulder and hip joints from an open stance is faster than that from a square stance. However, trunk coiling begins at the same time for both stances. In the backswing phase, the maximum horizontal rotation of the shoulder and hip joints in a square stance occurs more often than in an open stance, but the angle of trunk coiling in the open stance is larger than that in a square stance.
연구논문 : 기술집약형 중소기업에 대한 자금공급 활성화를 위한 기술평가정보 활용 방안
박창균 ( Chang Gyun Park ),임형준 ( Hyung Joon Lim ) 한국금융정보학회 2014 금융정보연구 Vol.3 No.2
본 논문에서는 저성장이 추세로 자리 잡은 상황에서 새로운 성장 동력으로 최근 주목받고 있는 혁신형 중소기업에 대한 신용대출 활성화를 위하여 기술정보를 활용하는 정책방안에 대하여 검토하였다. 먼저 기보의 자료를 활용하여 기술정보가 기업의 시용위험을 예측하는데 상당히 유용하게 활용될 수 있음을 확인하였다. 다음으로 2013년 11월과 2014년 1월 정부가 발표한 기술신용평가기관 설립 방안에 대하여 비판적인 검토를 거친 후 기술금융시장의 특징과 현재 상황을 감안할 때 현실적으로 보다 효과적으로 작동할 수 있는 대안을 제시하였다. 더하여 최근 기술평가 활성화를 위한 정책방안으로 활발하게 논의되고 있는 기술평가를 거친 기업에 대한 대출을 대상으로 하는 이차보전을 통한 은행의 예대마진확보 보장, 유동화 및 보증을 통한 신용위험 분담, 기술평가비용의 재정보조, 기술신용평가기관과 신용보증기관 간 관계 설정 등 제반 이슈에 대하여 비판적으로 검토하고 대안을 제시하였다. The paper investigates information value of technology in assessing credibility of innovative SMEs and explores policy measures to utilize technology based information to facilitate credit provision to innovative SMEs. First of all, utilizing a unique data set provided by KIBO we find that technology-based informations are very useful in predicting credit events of SMEs. Based on the empirical findings, we carefully examine the feasibility and effectiveness of the policy measure recently announced by the Korean government. It was announced that a new institution called TCB(tech credit bureau) would be established to provide information on the credibility of innovative SMEs based on the assessment of potential cash flow of technology SMEs possess. We argue that the current proposed structure should be reshuffled to expect better results from the policy. We also suggests policy measures to facilitate the effectiveness of technology rating such as subsidy on technology assessment fee, guarantee of minimum net interest margin on loans to SMEs with technology ratings, sharing of credit risk through loan guarantee and securitizaton, and division of roles between TCB and public loan guarantee.
기대수익률의 추정에 의한 최적자산배분에 관한 연구 -평균-분산 모형과 평균-VAR 모형을 중심으로-
황승규 ( Seung Kyu Hwang ),임형준 ( Hyung Joon Lim ),유시용 ( Shi Yong Yoo ) 한국재정정책학회 2009 財政政策論集 Vol.11 No.1
In this paper we examine the optimal asset allocation both in the mean-variance and in the mean-VaR, and compare its differences using the simulation in Korean stock and bond market. we use monthly time series data set from August 2000 to July 2008. In the process, we also estimate expected return with three methods, that is, historical return, No view, specialists` view of major investment banks. Using the stock and bond portfolios, we maximizes mean-variance utility function or in mean-VaR utility function used by Alexander and Baptista(2002). Our simulation results show no significant difference between mean-variance and mean-VaR models in the optimal asset allocation. This paper indicates that mean-variance approach has usefulness in asset allocation though its limitation. Also, in terms of the optimal asset allocation we can`t find significant risk-adjusted return on performance of asset allocation in using economists` market views of major investment banks.