{"id":31849,"date":"2022-12-05T14:05:00","date_gmt":"2022-12-05T05:05:00","guid":{"rendered":"https:\/\/smallake.kr\/?p=31849"},"modified":"2022-12-05T14:05:00","modified_gmt":"2022-12-05T05:05:00","slug":"%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac%ec%9d%98-2%eb%8b%a8%ea%b3%84-%ec%8b%a0%ec%9a%a9%ed%8f%89%ea%b0%80%eb%aa%a8%ed%98%95-%eb%85%bc%eb%ac%b8","status":"publish","type":"post","link":"https:\/\/smallake.kr\/?p=31849","title":{"rendered":"\uce74\uce74\uc624\ubc45\ud06c\uc758 2\ub2e8\uacc4 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \ub17c\ubb38"},"content":{"rendered":"<p>1.<br \/>\n \ud574\uc678 \ub17c\ubb38\uc744 \ubcf4\ub2e4\ubcf4\uba74 \uc6d4\uc2a4\ud2b8\ub9ac\ud2b8\uc758 \uc720\uba85\ud55c \ud68c\uc0ac\ub4e4\uc774 \ubc1c\ud45c\ud55c \ub17c\ubb38\ub4e4\uc744 \uc790\uc8fc \ubd05\ub2c8\ub2e4. \ud55c\uad6d\uc758 \uae08\uc735\ud68c\uc0ac\uac00 \uc774\ub7f0 \uc0ac\ub840\ub97c \ub9cc\ub4e0\ub2e4\uba74? \uc774\ub7f0 \uc0c1\uc0c1\uc744 \ud588\uc5c8\uc8e0. \uc624\ub298 \ub274\uc2a4\uc5d0\uc11c \uad00\ub828\ud55c \uc18c\uc2dd\uc744 \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uce74\uce74\uc624\ubc45\ud06c\uc758 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uc744 \uc815\ub9ac\ud55c \ub17c\ubb38\uc774 \ud559\uc220\uc9c0\uc5d0 \uc2e4\ub838\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/p>\n<blockquote><p>\uce74\uce74\uc624\ubc45\ud06c\ub294 \uae08\uc735\uae30\uc220\uc5f0\uad6c\uc18c\uc640 \ube45\ub370\uc774\ud130\ubd84\uc11d\ud300\uc774 \uacf5\ub3d9\uc73c\ub85c \uc5f0\uad6c \uac1c\ubc1c\ud55c &#8216;2\ub2e8\uacc4 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \uc5f0\uad6c(Two-stage credit scoring using Bayesian approach)&#8217; \ub17c\ubb38\uc774 \uad6d\uc81c \uc800\uba85 \ud559\uc220\uc9c0\uc5d0 \uac8c\uc7ac\ub410\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc5f0\uad6c \uacb0\uacfc \ub17c\ubb38\uc740 \ube45\ub370\uc774\ud130 \uc774\ub860 \ubc0f \ubc29\ubc95\ub860 \ubd80\ubb38\uc758 \uad6d\uc81c \ud559\uc220\uc9c0\uc778 &#8216;\uc800\ub110 \uc624\ube0c \ube45\ub370\uc774\ud130(Journal of Big Data)&#8217;\uc5d0 \uac8c\uc7ac\ub410\ub2e4.\u00a0&#8216;2\ub2e8\uacc4 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615&#8217;\uc740 \uae30\uc874\ubcf4\ub2e4 \ub354 \ub9ce\uc740 \uc124\uba85 \ubcc0\uc218(\ub370\uc774\ud130 \uc885\ub958)\ub97c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \uac1c\ubc1c \ubc29\ubc95\ub860\uc73c\ub85c, \ubcf4\ub2e4 \ub2e4\uc591\ud55c \ubcc0\uc218\ub97c \uc0ac\uc6a9\ud574 \ud3c9\uac00 \uc131\ub2a5\uc744 \uac1c\uc120\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 \ubaa8\ud615\uc758 \uc124\uba85 \uac00\ub2a5\uc131\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc124\uba85\uc774\ub2e4.\u00a02\ub2e8\uacc4 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \uae30\uc220\uc740 \uce74\uce74\uc624\ubc45\ud06c\uac00 \ucd5c\uadfc \uac1c\ubc1c\ud55c \ub3c5\uc790\uc801\uc778 \ub300\uc548\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uc778 &#8216;\uce74\uce74\uc624\ubc45\ud06c \uc2a4\ucf54\uc5b4&#8217;\uc5d0\ub3c4 \uc801\uc6a9\ub410\ub2e4. \uce74\uce74\uc624\ubc45\ud06c \uc2a4\ucf54\uc5b4\ub294 &#8216;\uac00\uba85\uc815\ubcf4 \ud65c\uc6a9 \uc6b0\uc218\uc0ac\ub840 \uacbd\uc9c4\ub300\ud68c&#8217;\uc5d0\uc11c \ub370\uc774\ud130 \uac00\uba85\uacb0\ud569\uc744 \ud1b5\ud55c \ub300\uc548\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \uac1c\ubc1c \uc0ac\ub840\ub85c &#8216;\ub300\uc0c1&#8217;\uc744 \uc218\uc0c1\ud55c \ubc14 \uc788\ub2e4.\u00a0\uadf8\ub3d9\uc548 \uce74\uce74\uc624\ubc45\ud06c\ub294 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \uad00\ub828 \uae30\uc220\ub825 \ud655\ubcf4\ub97c \uc704\ud574 \ub9ce\uc740 \ub178\ub825\uc744 \uae30\uc6b8\uc774\uace0 \uc788\uc73c\uba70, \uc774\ubbf8 \uc2e0\uc6a9\ud3c9\uac00 \uae30\uc220\uacfc \uad00\ub828\ub41c 3\uac74\uc758 \ud2b9\ud5c8\ub97c \ucd9c\uc6d0\ud55c \ubc14 \uc788\ub2e4.\u00a0<br \/>\n<a href=\"http:\/\/www.fortunekorea.co.kr\/news\/articleView.html?idxno=25112\" rel=\"noopener\" target=\"_blank\">\uce74\uce74\uc624\ubc45\ud06c, \uc2e0\uc6a9\ud3c9\uac00 \uae30\uc220 \uc5f0\uad6c \uad6d\uc81c \ud559\uc220\uc9c0 \uac8c\uc7ac<\/a>\uc911\uc5d0\uc11c<\/p><\/blockquote>\n<p>Journal of Big Data\uc744 \uac80\uc0c9\ud574\ubcf4\ub2c8\uae4c <a href=\"https:\/\/journalofbigdata.springeropen.com\/articles\/10.1186\/s40537-022-00665-5\" rel=\"noopener\" target=\"_blank\">Two-stage credit scoring using Bayesian approach<\/a>\uc5d0\uc11c \uad00\ub828\ud55c \ub17c\ubb38\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao5.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao5.png?resize=1128%2C520&#038;ssl=1\" alt=\"\" width=\"1128\" height=\"520\" class=\"aligncenter size-full wp-image-31868\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao5.png?w=1128&amp;ssl=1 1128w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao5.png?resize=300%2C138&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao5.png?resize=200%2C92&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1128px) 100vw, 1128px\" \/><\/a><br \/>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2022%2F12%2Fs40537-022-00665-5.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/s40537-022-00665-5.pdf\" class=\"gde-link\">Download (PDF, 1.63MB)<\/a><\/p><\/p>\n<p>\ud639 \ube44\uc2b7\ud55c \uc8fc\uc81c\ub85c \uc774\uc804\uc5d0 \ub17c\ubb38\uc744 \ubc1c\ud45c\ud588\ub294\uc9c0 \ucc3e\uc544\ubcf4\ub2c8\uae4c \uc788\ub124\uc694. Sustainability\uc5d0 <a href=\"https:\/\/www.mdpi.com\/2071-1050\/14\/1\/130\" rel=\"noopener\" target=\"_blank\">Can System Log Data Enhance the Performance of Credit Scoring?\u2014Evidence from an Internet Bank in Korea<\/a>\ub77c\ub294 \uc81c\ubaa9\uc73c\ub85c \ubc1c\ud45c\ud558\uc600\ub124\uc694. 2021\ub144 12\uc6d4\uc785\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao4.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao4.png?resize=1130%2C290&#038;ssl=1\" alt=\"\" width=\"1130\" height=\"290\" class=\"aligncenter size-full wp-image-31866\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao4.png?w=1498&amp;ssl=1 1498w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao4.png?resize=300%2C77&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao4.png?resize=200%2C51&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><br \/>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2022%2F12%2FCan_System_Log_Data_Enhance_the_Performance_of_Cre.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/Can_System_Log_Data_Enhance_the_Performance_of_Cre.pdf\" class=\"gde-link\">Download (PDF, 668KB)<\/a><\/p><\/p>\n<p>2.<br \/>\n\uce74\uce74\uc624\ubc45\ud06c\ub294 \uc778\ud130\ub137\uc740\ud589\uc73c\ub85c \uc124\ub9bd\uc778\uac00\ub97c \ubc1b\uc740 \uc774\ud6c4 \uc911\uae08\ub9ac\ub300\ucd9c\uc5d0 \ub9ce\uc740 \ube44\uc911\uc744 \ub450\uc5c8\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc5d0\uc11c \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc774\uc6a9\uc790\uac00 \uc544\ub2cc \uac1c\uc778\uc911\uc5d0\uc11c \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\ub3c4\ub85d \ud558\uba74\uc11c\ub3c4 \uc704\ud5d8\uc744 \uc904\uc77c \uc218 \uc788\ub294 \ubc29\ubc95\uc774 \ud544\uc694\ud588\uace0 \uc774\ub294 \uc0c8\ub85c\uc6b4 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uc744 \ud544\uc694\ub85c \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ub178\ub825\uc758 \uacb0\uacfc\ub294 2021\ub144 12\uc6d4 <a href=\"https:\/\/www.pipc.go.kr\/np\/cop\/bbs\/selectBoardArticle.do?bbsId=BS217&#038;mCode=D010030000&#038;nttId=7858#LINK\" rel=\"noopener\" target=\"_blank\">2021 \uac00\uba85\uc815\ubcf4 \ud65c\uc6a9 \uc6b0\uc218\uc0ac\ub840\uc9d1<\/a>\uc5d0\uc11c &#8216;\uc911\uc2e0\uc6a9\/\uc52c\ud30c\uc77c \uace0\uac1d\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uac1c\ubc1c&#8217;\ub85c \ub300\uc0c1\uc744 \ubc1b\uc558\ub124\uc694.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?resize=1130%2C783&#038;ssl=1\" alt=\"\" width=\"1130\" height=\"783\" class=\"aligncenter size-full wp-image-31860\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?w=1563&amp;ssl=1 1563w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?resize=300%2C208&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?resize=200%2C139&amp;ssl=1 200w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?resize=325%2C225&amp;ssl=1 325w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/hana.png?resize=1536%2C1064&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><\/p>\n<p>\ubb3c\ub860 \ud558\ub098\uc740\ud589\uacfc \ucf00\uc774\ubc45\ud06c\ub3c4 \ube44\uc2b7\ud55c \ubaa8\ud615\uc744 \uac1c\ubc1c\ud574\uc11c \uc218\uc0c1\uc744 \ud558\uc600\uc2b5\ub2c8\ub2e4. <\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kt.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kt.png?resize=1130%2C776&#038;ssl=1\" alt=\"\" width=\"1130\" height=\"776\" class=\"aligncenter size-full wp-image-31861\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kt.png?w=1561&amp;ssl=1 1561w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kt.png?resize=300%2C206&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kt.png?resize=200%2C137&amp;ssl=1 200w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kt.png?resize=1536%2C1055&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><br \/>\n<a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?resize=1130%2C784&#038;ssl=1\" alt=\"\" width=\"1130\" height=\"784\" class=\"aligncenter size-full wp-image-31862\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?w=1558&amp;ssl=1 1558w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?resize=300%2C208&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?resize=200%2C139&amp;ssl=1 200w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?resize=325%2C225&amp;ssl=1 325w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao.png?resize=1536%2C1066&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><\/p>\n<p>\uc774\uc758 \uc5f0\uc7a5\uc120\uc77c\uae4c\uc694?  <a href=\"https:\/\/www.privacy.go.kr\/edu\/ttb\/selectBoardList.do\" rel=\"noopener\" target=\"_blank\">2021\ub144 \ud558\ubc18\uae30 \uac00\uba85\uc815\ubcf4 \ud65c\uc6a9 \ub3d9\ud5a5 \uc628\ub77c\uc778 \uc138\ubbf8\ub098<\/a>\ub97c \ubcf4\uba74 \uc774\ub7f0 \ub178\ub825\uc758 \uacb0\uacfc\ub97c \ucd94\uc0c1\uc801\uc778 \uc218\uc900\uc5d0\uc11c \ubc1c\ud45c\ub97c \ud569\ub2c8\ub2e4. <\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao2.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao2.png?resize=1130%2C632&#038;ssl=1\" alt=\"\" width=\"1130\" height=\"632\" class=\"aligncenter size-full wp-image-31865\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao2.png?w=1766&amp;ssl=1 1766w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao2.png?resize=300%2C168&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao2.png?resize=200%2C112&amp;ssl=1 200w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao2.png?resize=1536%2C859&amp;ssl=1 1536w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><br \/>\n<a href=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao3.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2022\/12\/kakao3.png?resize=1130%2C636&#038;ssl=1\" alt=\"\" width=\"1130\" height=\"636\" class=\"aligncenter size-full wp-image-31864\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao3.png?w=1763&amp;ssl=1 1763w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao3.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2022\/12\/kakao3.png?resize=200%2C113&amp;ssl=1 200w, 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