• Title/Summary/Keyword: 대출시스템

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Bibliographic Attribute Analysis of Reading Material Based on Book Usage Data (도서이용 데이터에 기반한 독서자료의 속성 분석)

  • Jiyoung Shim
    • Journal of the Korean Society for information Management
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    • v.40 no.4
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    • pp.279-306
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    • 2023
  • This study analyzed bibliographic attributes related to the selection and use of reading materials based on data on books borrowed or purchased together in order to understand the properties of reading materials that have complex user needs from various perspectives. As a result of creating co-occurrence matrices of bibliographic attribute terms by dividing them into 26 sub-attribute units related to KDC main class, target reader, and user age, and performing network analyses, the details and prominent mediating role of bibliographic attributes of reading materials were identified. The results of this study will be helpful in designing facets of reading information systems, including library OPAC, in the future.

Big Data Analysis for Public Libraries Utilizing Big Data Platform: A Case Study of Daejeon Hanbat Library (도서관 빅데이터 플랫폼을 활용한 공공도서관 빅데이터 분석 연구: 대전한밭도서관을 중심으로)

  • On, Jeongmee;Park, Sung Hee
    • Journal of the Korean Society for information Management
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    • v.37 no.3
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    • pp.25-50
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    • 2020
  • Since big data platform services for the public library began January 1, 2016, libraries have used big data to improve their work performance. This paper aims to examine the use cases of library big data and attempts to draw improvement plan to improve the effectiveness of library big data. For this purpose, first, we examine big data used while utilizing the library big data platform, the usage pattern of big data and services/policies drawn by big data analysis. Next, the limitations and advantages of the library big data platform are examined by comparing the data analysis of the integrated library management system (ILUS) currently used in public libraries and data analysis through the library big data platform. As a result of case analysis, big data usage patterns were found program planning and execution, collection, collection, and other types, and services/policies were summarized as customizing bookshelf themes for the book curation and reading promotion program, increasing collection utilization, and building a collection based on special topics. and disclosure of loan status data. As a result of the comparative analysis, ILUS is specialized in statistical analysis of library collection unit, and the big data platform enables selective and flexible analysis according to various attributes (age, gender, region, time of loan, etc.) reducing analysis time. Finally, the limitations revealed in case analysis and comparative analysis are summarized and suggestions for improvement are presented.

Ethical Dilemmas in Teacher-librarians' Professional Practice (사서교사의 윤리적 딜레마에 관한 연구)

  • Chung, Jin Soo
    • Journal of the Korean Society for Library and Information Science
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    • v.55 no.1
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    • pp.161-180
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    • 2021
  • This study investigates ethical dilemmas of teacher-librarians in their professional practice. Within the framework of "Librarians' Statement of Ethics" by Korean Library Association, the study used the survey and semi-structured interview with teacher-librarians. 259 teacher-librarians responded the survey and 5 teacher-librarians participated the interview. The survey was analyzed using descriptive statistics to find how often teacher-librarians experience ethical dilemmas. The semi-structured interview was transcribed and analyzed to draw the individual cases of teacher-librarians' ethical dilemmas. The results indicate that teacher-librarians experience ethical dilemmas in relation to information access and intellectual freedom most often. It was difficult for teacher-librarians to relate their professional duties with their expertise and that they were not clear on how to avoid copyright issues and how to deal with the balance between users and copyright holders. This study had implications that individual dilemma cases are so context-dependent that teacher-librarians had to make decisions individually. They tried hard to find the balance between protecting students from harmful resources and library ethics. Researchers and practitioners need focus more on finding where the balance is and how teacher-librarians deal with their ethical dilemmas.

An Empirical Study on Bank Capital Channel and Risk-Taking Channel for Monetary Policy (통화정책의 은행자본경로와 위험추구경로에 대한 실증분석)

  • Lee, Sang Jin
    • Economic Analysis
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    • v.27 no.3
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    • pp.1-32
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    • 2021
  • This study empirically analyzes whether bank capital channel and risk-taking channel for monetary policy work for domestic banks in South Korea by analyzing the impact of the expansionary monetary policy on the rate spread between deposit and loan, capital ratio, and loan amount. For the empirical analysis, the Uhlig (2005)'s sign-restricted SVAR(Structural Vector Auto-Regression) model is used. The empirical results are as follows: the bank's interest rate margin increases, the capital ratio improves, risk-weighted asset ratio increases, and the amount of loans increases in response to expansionary monetary shock. This empirical results confirm that bank capital channel and risk-taking channel work in domestic banks, similar to the previous research results. The implications of this study are as follows. Although the expansionary monetary policy has the effect of improving the bank's financial soundness and profitability in the short term as bank capital channel works, it could negatively affect the soundness of banks by encouraging banks to pursue risk in the long run as risk-taking channel works. It is necessary to note that the capital ratio according to the BIS minimum capital requirement of individual banks may cause an illusion in supervising the soundness of the bank. So, the bank's aggressive lending expansion may lead to an inherent weakness in the event of a crisis. Since the financial authority may have an illusion about the bank's financial soundness if the low interest rate persists, the authority needs to be actively interested in stress tests and concentration risk management in the pillar 2 of the BIS capital accord. In addition, since system risk may increase, it is necessary to conduct regular stress tests or preemptive monitoring of assets concentration risk.

Housing Market Participants' Decision Process and The Dynamics of Ripple Effect on Korean Housing Market - Focusing on The Cause of Housing Market Stagnation and Housing Policies After 2008 Global Financial Crisis - (국내 주택시장 참여자의 거래의사 결정과정 및 시장 파급효과의 동태적 분석 - 금융위기 이후의 주택시장 침체원인 및 주택정책을 중심으로 -)

  • Hyun, Hosang;Lee, Hyun-Soo;Park, Moonseo;Hwang, Sungjoo
    • Korean Journal of Construction Engineering and Management
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    • v.15 no.5
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    • pp.147-159
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    • 2014
  • After 2008 global financial crisis, Korean housing market has experienced stagnation. So it caused housing market problems like housing price reduction, rising rent cost and so on. For housing market normalization government announced policies but Korean housing market didn't recover from stagnation. So, to understand why Korean housing market couldn't overcome the recession and why the policies didn't be effective, this research analyzed housing market participants (home owner, housing demand) based on the law of supply and demand and the psychological effect on their transaction intention based on behavioral economics(behavioral finance). Based on the analysis this research tested the effectiveness of announced policies using System Dynamics. The result showed that the amount of transaction and mortgage loan was influenced by the length of time to draft policies.

A Study on Influence Factors of the Academic Library on College Education and Research Performances (대학의 교육 및 연구성과에 미치는 대학도서관 영향요인 연구)

  • Seo, Man-Deok
    • Journal of Korean Library and Information Science Society
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    • v.47 no.1
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    • pp.243-277
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    • 2016
  • This study aimed at analyzing the influence factors of the academic library on college's education and research performances. The researched subject was 144 colleges targeted for information disclosure by Center for Higher Education Information Disclosure. The conclusion of the present study is as follows. First, the educational performance in college showed the positive relation with 'library environment' variables except 'seating capacity per capita'. Second, the educational performance in college was positively related to the variable of 'library outcome' and particularly, it was directly influenced by circulation, visit, and interlibrary loan. Third, the research performance in college showed a positive correlation with 'library environment' variables except facility scale of library. Fourth, the research performance in college showed a positive relation with the variable of 'library outcome' and research performance excluding 'publication in domestic journals per capita' was positively influenced by 'document delivery services usage per capita' and 'commercial DB usage per capita' in common.

An Analysis of Quality Efficiency of Loan Consultants in a Bank using Shannon's Entropy and PCA-DEA Model (Entropy와 PCA-DEA 모형을 이용한 은행 대출상담사의 서비스 품질 효율성 분석)

  • Choi, Jang Ki;Kim, Kyeongtaek;Suh, Jae Joon
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.40 no.3
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    • pp.7-17
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    • 2017
  • Loan consultants assist clients with loan application processing and loan decisions. Their duties may include contacting people to ask if they want a loan, meeting with loan applicants and explaining different loan options. We studied the efficiency of service quality of loan consultants contracted to a bank in Korea. They do not work as a team, but do work independently. Since he/she is not an employee of the bank, the consultant is paid solely in proportion to how much he/she sell loans. In this study, a consultant is considered as a decision making unit (DMU) in the DEA (Data Envelopment Analysis) model. We use a principal component analysis-data envelopment analysis (PCA-DEA) model integrated with Shannon's Entropy to evaluate quality efficiency of the consultants. We adopt a three-stage process to calculate the efficiency of service quality of the consultants. In the first stage, we use PCA to obtain 6 synthetic indicators, including 4 input indicators and 2 output indicators, from survey results in which questionnaire items are constructed on the basis of SERVQUAL model. In the second stage, 3 DEA models allowing negative values are used to calculate the relative efficiency of each DMU. In the third stage, the weight of each result is calculated on the basis of Shannon's Entropy theory, and then we generate a comprehensive efficiency score using it. An example illustrates the proposed process of evaluating the relative quality efficiency of the loan consultants and how to use the efficiency to improve the service quality of the consultants.

A Survey of Decentralized Finance(DeFi) based on Blockchain

  • Kim, Junsang;Kim, Seyong
    • Journal of the Korea Society of Computer and Information
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    • v.26 no.3
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    • pp.59-67
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    • 2021
  • Blockchain technology began in 2008 when an unidentified person named Satoshi Nakamoto proposed a cryptocurrency called Bitcoin. Satoshi Nakamoto had distrust of the existing financial system and wanted to implement a financial system that is robust against hacking or mannipulation without a middleman such as a bank through blockchain technology. Satoshi proposed a blockchain as a technology to prevent the creation of the bitcoin and forging of transactions, and through this, the functions of issuance, transaction, and verification of currency were implemented. Since then, Ethereum, a cryptocurrency that can implement the smart contract on the blockchain, has been developed, allowing financial products that require complex contracts such as deposits, loans, insurance, and derivatives to be brought into the area of cryptocurrency. In addition, it is expanding the possibility of substituting products provided by financial institutions through combination with real assets. These applications are defined as Decentralized Finance (DeFi). This paper was prepared to understand the overall technical understanding of DeFi and to introduce the services currently in operation. First, the technologies and ecosystems that implement the overall DeFi are explained, and then the representative DeFi services are categorized by feature and described.

An Exploratory Study on the Effects of Mobile Proptech Application Quality Factors on the User Satisfaction, Intention of Continuous Use, and Words-of-Mouth (모바일 부동산중개 애플리케이션의 품질요인이 사용자 만족, 지속적 사용 및 구전의도에 미치는 영향)

  • Jaeyoung Kim;Horim Kim
    • Information Systems Review
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    • v.22 no.3
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    • pp.15-30
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    • 2020
  • In the real estate industry, the latest changes in the Fourth Industrial Revolution, such as big data analytics, machine learning, and VR (virtual reality), combine to bring about industry change. Proptech is a new term combining properties and technology. This study aims to derive and analyze from a comprehensive perspective the quality factors (systems, services, interfaces, information) for mobile real estate brokerage services that are well known and used in the domestic market. The surveys in this study were conducted online and offline and a total of 161 samples were used for statistical analysis. As a result, all hypotheses were approved to except system quality and service quality. The results show that the domestic proptech companies who are mostly focused on real estate brokerage services, peer-to-peer lending, advertising platforms and apartments need to grow in various fields of proptech business of other countries including Europe, USA and China.

Deep Learning-based UWB Distance Measurement for Wireless Power Transfer of Autonomous Vehicles in Indoor Environment (실내환경에서의 자율주행차 무선 전력 전송을 위한 딥러닝 기반 UWB 거리 측정)

  • Hye-Jung Kim;Yong-ju Park;Seung-Jae Han
    • KIPS Transactions on Computer and Communication Systems
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    • v.13 no.1
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    • pp.21-30
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    • 2024
  • As the self-driving car market continues to grow, the need for charging infrastructure is growing. However, in the case of a wireless charging system, stability issues are being raised because it requires a large amount of power compared with conventional wired charging. SAE J2954 is a standard for building autonomous vehicle wireless charging infrastructure, and the standard defines a communication method between a vehicle and a power transmission system. SAE J2954 recommends using physical media such as Wi-Fi, Bluetooth, and UWB as a wireless charging communication method for autonomous vehicles to enable communication between the vehicle and the charging pad. In particular, UWB is a suitable solution for indoor and outdoor charging environments because it exhibits robust communication capabilities in indoor environments and is not sensitive to interference. In this standard, the process for building a wireless power transmission system is divided into several stages from the start to the completion of charging. In this study, UWB technology is used as a means of fine alignment, a process in the wireless power transmission system. To determine the applicability to an actual autonomous vehicle wireless power transmission system, experiments were conducted based on distance, and the distance information was collected from UWB. To improve the accuracy of the distance data obtained from UWB, we propose a Single Model and Multi Model that apply machine learning and deep learning techniques to the collected data through a three-step preprocessing process.