• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.12
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• pp.3768-3774
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• 2009

This paper explored how soft information and hard information were used when SBC(Small Business Corporation, Korea) reviewed government loan applications. The data set is made up of financial and non-financial data of small-business firms since 2004. A non-financial data set is considered as soft information. Relative importance of three kinds information such as credit information, soft information, financial information is compared with each other by using the logit model. As a result, credit information is most critical to the loan approval, and then soft information follows, lastly financial information has the smallest effect on the loan approval. This is because the credit information is made up of the non-linear combination of soft information and financial information. When the relative importance of soft information and financial information is considered, soft information is relatively more critical to the loan approval then financial information. This is because financial ratios provided by small-business firms are not reliable enough.

• Journal of the Korea Society of Computer and Information
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• v.16 no.7
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• pp.183-190
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• 2011

Loan amount of housing mortgage is composed of various factors. This study paper studies focuses on estimating the determinants of a loan amount of housing mortgage. The region for analysis consist of seven groups, that is, metropolitan city (such as Busan, Daegu, Incheon, Gwangiu, Daejeon, Ulsan.) and Seoul. Analyzing period be formed over a 45 time points(2007. 01.~ 2010. 09). In this paper the dependent variable setting up loan amount of housing mortgage, explanatory(independent) variables are composed of the consumer price index, unemployment rate, average monthly household income per household, expenditure rate of health care, composite stock price index and overdue rate of household loans for commercial bank. In looking at the factors which determine loan amount of housing mortgage, evidence was produced supporting the hypothesis that there is a significant positive relationship between the consumer price index and unemployment rate. The study also produced evidence supporting the view that there is a significant negative relationship between expenditure rate of health care. The study found that average monthly household income per household, expenditure, composite stock price index and overdue rate of household loans for commercial bank were not significant variables. The implications of these findings are discussed for further research.

• The Journal of the Convergence on Culture Technology
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• v.7 no.4
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• pp.1-7
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• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

• Journal of Korean Library and Information Science Society
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• v.49 no.4
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• pp.295-328
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• 2018

This study aims to analyze circulation status of children's material and participation in culture program based on the bigdata to identify the current status of children and youth services and suggest ways to improve the services. The logs to be analyzed consist of children's material information, circulation count information, circulation user information registered at the National Library of Korea, Sejong. The children's material information logs contain 77,297 data, circulation count information logs contain 4,160,484 data, circulation user information logs contain 189,060 data The current status analysis of children and youth services was conducted in various ways, including analysis of circulation status and culture program by subject, age, and residential area. Based on analysis results, improvement methods of children and youth services were proposed in terms of books, users and residences. This study analyze empirically current status of children and youth services based on bigdata logs, and it has significance for being different form proceeding researches. We expect this study to be used as an empirical basis for the establishment of operational strategies in the future.

• Information Systems Review
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• v.4 no.2
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• pp.361-376
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• 2002

This paper proposes a framework for integrated credit risk management system in domestic bank financial institutions. Credit evaluation system, loan processing system, credit monitoring system, and credit risk management system are integrated for efficient and effective risk-adjusted performance management in this framework. Risk exposures, not only for each credit, but also for bank's whole credit portfolio need to be measured and analyzed through the concept of Value-at-Risk (VaR). The effects of changes in credit ratings of individual loaners on bank's credit risk exposure are also considered. We tried to model this integrated credit risk management system by using object-oriented modeling language, UML.

• Journal of the Korean Society for Library and Information Science
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• v.56 no.4
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• pp.455-472
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• 2022

The purpose of this study is to analyze variables affecting the number of circulated books which is one of the indicators representing the library use behavior. For the analysis, 2015-2019 data for public libraries was acquired from the National Library Statistics System. The Latent Growth Model estimating a latent intercept and a latent slop based on the individual library trajectories was applied. The results are as followed; first, the circulation rate tends to be decreased. Second, the most affecting factor on the library circulation decrease was the collection budget. This study suggests increasing a collection budget in order to prevent the library circulation decrease while the library is operating in a daily routine.

• Korea Real Estate Review
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• v.28 no.4
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• pp.75-88
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• 2018

The purpose of this study is to analyze the effect of the spread on housing mortgage loans. In particular, this study analyzes how the spread has a decisive effect on housing mortgage loans when a structural change occurs in the spread. For the sake of empirical analysis, this study utilizes the housing mortgage loan, housing mortgage loan interest rate, COFIX interest rate, and spread. The period of analysis is from December 2010 to December 2017. Results of the analysis show that there is a statistically significant structural change in the spread and housing mortgage loans (May and June 2015, respectively). It is estimated that the structural change in the spread has an influence on the structural change in housing mortgage loans. In addition, the effect of the spread on housing mortgage loans is larger than the effect of the COFIX interest rate and the housing mortgage loan interest rate. This indicates that the adjustment of the spread is a significant burden on housing mortgage loans. As economic uncertainties both internally and externally are increasing, pressure on interest rate hikes is also increasing. Considering these circumstances, interest rate hikes will be inevitable in the future. If the base interest rate and the spread increase simultaneously at Korea's current economic level, it will obviously lead to an economic recession as the burden on the repayment of principal and interest of housing mortgage loans will increase. Therefore, it is imperative that financial authorities prepare institutional arrangements in order to protect financial consumers by preventing arbitrary calculation of the spread, which would not be objective and would not be transparent from the banks.

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.207-224
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• 2018

In this article, an empirical study was conducted by using public dataset from Lending Club Corporation, the largest online peer-to-peer (P2P) lending in the world. We explore significant predictor variables related to P2P lending default that housing situation, length of employment, average current balance, debt-to-income ratio, loan amount, loan purpose, interest rate, public records, number of finance trades, total credit/credit limit, number of delinquent accounts, number of mortgage accounts, and number of bank card accounts are significant factors to loan funded successful on Lending Club platform. We developed online P2P lending default prediction models using discriminant analysis, logistic regression, neural networks, and decision trees (i.e., CART and C5.0) in order to predict P2P loan default. To verify the feasibility and effectiveness of P2P lending default prediction models, borrower loan data and credit data used in this study. Empirical results indicated that neural networks outperforms other classifiers such as discriminant analysis, logistic regression, CART, and C5.0. Neural networks always outperforms other classifiers in P2P loan default prediction.

• Proceedings of the KAIS Fall Conference
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• 2009.12a
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• pp.727-730
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• 2009

국내일반은행 연체율은 그룹(대출형태)별로 다양한 원인에 의해서 연체율 결정이 이루어지고 있어 복잡성을 띠고 있다. 본 연구에서는 복잡성을 띠고 있는 연체율의 제 변인들을 파악하기 위해 패널 데이터 모형를 이용한 연구 모형을 설정하고 이를 통해 연체율에 결정적으로 영향을 미치는 제 변인에 대하여 조사, 분석, 검증한다. 본 연구는 3 그룹(기업대출, 가계대출, 신용카드 대출)을 분석대상으로 하였다. 분석기간은 2005년 1월부터 2009년 6월까지의 자료를 이용하였고. 국내은행 연체율을 종속변수로 설정하고 소비자물가지수, 종합주가지수, 환율, 동행(경기)종합지수, 국민주택채권, 고용률을 독립 변수로 투입하였다. 국내일반은행 연체율 요인을 추정한 결과 소비자물가지수는 정(+)의 영향을 미치는 유의한 변수로 나타나고 동행(경기)종합지수와 종합주가지수는 음(-)의 영행을 나타내는 유의적인 변수이지만 환율, 국민주택채권 그리고 고용률은 각각 유의적인 음(-)의 영행을 나타내는 비유의적인 변수로서 연체율에 큰 영향으로 주지는 않은 것으로 나타났다.

• The Journal of the Korea Contents Association
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• v.15 no.6
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• pp.411-420
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• 2015

With the rapid increase in the price of house lease, a unique housing form in Korea, a serious social issue has been raised as to the use value of house lease and residence stability of the ordinary people. This study thus aimed to analyze the direct factors that affect lease guaranteed loan and market volatility in order to explore the right direction of financial policy to reduce housing burdens. To this end, the direct variables affecting house lease guaranteed loan, including lease price, transaction price and lending rate, were defined. Vector Error Correction Model (VECM), a time series analysis, was employed to dynamically explain the data. Based on the house lease prices and bank data on loans between January 2010 and December 2014, it was found that the increase in lease price was the direct result of the increase in lease guaranteed loan, not that of the decrease in lending rate or increase in housing transaction price.