• Title/Summary/Keyword: 대출시스템

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The Global Financial Crisis and Its Impacts on the Housing Systems of Western European Welfare States (세계경제위기에 따른 서유럽 복지국가의 주택시스템 변화 분석)

  • Lee, Hyunjeong;Lee, Jongkwon
    • Korea Real Estate Review
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    • v.24 no.1
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    • pp.105-120
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    • 2014
  • This research is to examine the impacts of the on-going global financial crisis on the housing systems of welfare states. Four developed economies in the Western Europe were selected for the analysis, and the qualitative research employed in-depth interviews with scholars in the fields of housing market and social policy in order to meet the research goal. The major findings indicate that the global economic crisis embedded into the liberalization of housing finance and the inadequacy of regulatory measures caused the vicissitude of housing markets, and its scale and magnitude could be determined by the resilience of each state's housing system. While the globalization of housing finance markets rendered easy borrowing for homeownership, intensive competition for excessive lending among financial institutions backed by heavy reliance on inter-bank and overall bank triggered market volatility, and further worsened household and public debts. It's clearly evident that a housing system with varied safety nets becomes a greater cushion to bear the risks of the financial crisis and to weather the economic storm.

Current Status of Housing Development Project Finance and Its Policy Implications (주택개발 프로젝트 금융의 현황과 정책과제)

  • Park, Won-Seok
    • Journal of the Korean association of regional geographers
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    • v.11 no.4
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    • pp.511-522
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    • 2005
  • This paper aims at analyzing the current status, characteristics and problems of housing development project finance firstly, and secondly, examining the policy measures in order to enhancing the housing development project finance systems. The main results of this paper are as follows. Project finances are very activated in the housing development projects, especially, apartment development, since 2001. But most of housing development project finance are not virtual project finance, but conditional corporate finance, because most of project finance didn't uses bankruptcy remote. Therefore, the main policy measures in order to activate effective growth of project finance are, first, institutionalizing of project finance, second, enhancing the feasibility study capabilities of finance companies, third, using the real estate funds effectively, and forth, networking housing development project finances with long-term mortgage finances.

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Is Dynamic Loan Loss Provisioning Necessary in Korea? (동태적 대손충당금제도 도입의 타당성 분석)

  • Kang, Dongsoo
    • KDI Journal of Economic Policy
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    • v.28 no.2
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    • pp.97-129
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    • 2006
  • This study investigates whether dynamic loan loss provisioning is necessary in Korean banking environments. Under the dynamic provisioning rule banks are required to accumulate additional reserves to general and specific provisionings in preparation for expected loan losses until maturity. This provisioning is most effective in the case that banks tend to recognize less loan losses in the business upturns and/or in the periods of increasing profits. The empirical study, however, shows that banks support procyclicality of loan loss privisioning and earning smoothing behavior over profit fluctuations. These findings suggest that Korea would not seriously need the introduction of dynamic loan loss provisioning. But this policy implication does not seem robust in view that the recent experience shows the countercyclicality of loan loss provisioning practices and negative correlation between earnings and provisioning after financial restructuring was completed. This result is partly attributable to vigorous shareholder activism because of high foreign ownership of most commercial banks. Once it is true that bank management is more interested in short-term performances, current loan loss provisioning would have attributes of impairing capital adequacy, hence strengthening loan loss provisiong requirements.

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The Financial Support of Regional Bank for SMEs and Regional Financial Policy (지방은행의 지역중소벤처기업지원과 지역금융정책)

  • Ryu, Duk Wi
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.8 no.4
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    • pp.37-47
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    • 2013
  • This study investigates regional financial markets and proposes some policy measures for boosting up the regional financial system. Financial supports for start-ups, small and medium sized enterprises(SMEs) in early stage growth have been constrained due to expanded financial gaps among regions during financial restructuring period. The bank consolidation through M&A is associated with widening financial gaps between Seoul area and others, and between regions where regional banks survives or not. Loans to small firms are associated with relationship lending techniques that may be better supported by smaller regional banks. The loan rate to SMEs in locals where regional banks are activated has tended to be 10%point higher than the locals where regional banks closed, and also drive the greater contribution for preventing local capital outflow and promoting local capital investment by local penetrating strategy. Government should develop regional financial policies to boost up regional financial system, and expand the business area of regional financial institutions for supporting start-ups and SMEs.

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A Study on LibraryLookup Services Using Bookmarklets (북마크릿을 활용한 LibraryLookup 서비스 제공방안에 관한 연구)

  • Gu, Jung-Eok;Lee, Eung-Bong
    • Journal of the Korean Society for information Management
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    • v.23 no.3 s.61
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    • pp.49-68
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    • 2006
  • It is required to enhance the value of ISBN as a tool for book search, identification, browsing, and improve the accessability and search capability of library OPAC. Bookmarklet is a small size javascript which can be saved as URL in a web browser bookmark or web page hyperlink. Open source bookmarklet can extract ISBN from web pages and search a book from library OPAC using the ISBN, so it is recognized as a simple but powerful search tool. In foreign countries, commercial library system vendors, libraries, OCLC, etc. are providing bookmarklets which allow a user to search for library holdings and loan information in a real time while he/she is travelling in an online bookshop web page. Therefore, this paper compared and analyzed international bookmarklets application examples and proposed LibraryLookup service in which library OPAC and online bookshop can make use of the bookmarklets.

A Study on the Relationship between Library budget and Library Usage (도서관 예산과 도서관 이용과의 관계에 관한 연구 - 부산지역 공공도서관을 중심으로 -)

  • Kim, Sun Ae
    • Journal of the Korean BIBLIA Society for library and Information Science
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    • v.27 no.2
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    • pp.193-212
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    • 2016
  • The purpose of this paper is to explain the necessity of secure budget in public libraries with regard to promoting library usage. It is namely to attempt to find out if there really is a connection between library funding and library usage. For this purpose, the relevant data of all the 31 public libraries in Busan were collected from the 2013 National library Statistics of Korea. To determine the connection between library funding and usage, two variables were selected, 'TFI (Total Funding Indicator) = $\sqrt{personnelcosts{\times}materialcosts}$' for independent variable and 'LU (Library Usage) = (visits per year) + (loans per year)/number of inhabitants' for dependent variable. The results showed that there is a clear relationship between TFI and LU and If more cost is spent on personal resources and material resources, the total usage of the public library also increase. The findings are limited due to the fact that the observation was focusing on public libraries in one community and the period of observation was one year in 2013.

The Fast Interlock Controller for High Power Pulse Modulator at PAL-XFEL (고전압 펄스 모듈레이터의 고속 인터록 제어)

  • Kim, S.H.;Park, S.S.;Kwon, S.J.;Lee, H.S.;Kang, H.S.;Ko, I.S.;Kim, D.S.;Seo, M.H.;Lee, S.Y.;Moon, Y.J.
    • Proceedings of the KIEE Conference
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    • 2015.07a
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    • pp.818-819
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    • 2015
  • PAL-XFEL 장치에 사용 할 고전압 펄스 모듈레이터 출력파워는 수 ${\mu}s$ 범위의 짧은 고전압(400 kV), 대전류(500 A) 펄스를 요구한다. 이러한 펄스파워를 얻기 위해서 PFN(Pulse Forming Network)에 에너지를 축적하고, 플라즈마 스위치인 싸이라트론을 통하여 에너지를 신속하게 클라이스트론 쪽으로 전달한다. 클라이스트론은 모듈레이터에서 공급하는 펄스 전원을 이용하여 RF를 증폭하는 대출력 고주파 증폭장치이다. 고전압 펄스 모듈레이터 제어기는 고속펄스 신호처리 모듈(Fast Pulse Signal Conditioning Module), PLC(Programmable Logic Controller)로 구성되어 있다. 고전압 펄스 모듈레이터에 사용하는 대용량 싸이라트론은 고전력을 스위칭 할 때 발생하는 스위칭 노이즈는 매우 크다. 이러한 노이즈는 모듈레이터의 출력 시그널인 빔 전압, 빔 전류, EOLC(End of Line Clipper) 전류, DC high voltage에 섞여 있으면서 신호 왜곡 및 제어장치의 고장을 유발시킨다. 이처럼 노이즈가 많이 포함되어 있는 아닐로그 신호를 깨끗한 신호(a clean signal)로 바꾸어주는 노이즈 필터링 장치인 고속펄스 신호처리 모듈을 제작하여 실험한 결과를 알아보고 모듈레이터 인터록 시스템인 PLC에서 Dynamic Interlock의 응답시간을 빠르게 하기위한 회로 수정에 대한 결과에 관하여 기술하고자 한다.

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Performance Analysis of Campus Inter-library Loan on Library Automation (캠퍼스 상호대차서비스 전산화에 따른 성과 분석)

  • Lee, Hye-Young
    • Journal of Information Management
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    • v.40 no.4
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    • pp.73-92
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    • 2009
  • Generally, we used to provide ILL to users for overcoming the limited resource and satisfying user's desires for information. ILL makes library service's paradigm change from ownership to sharing. K-university Library has been providing Campus inter-library loan as ILL to users for long time and continually trying to improve the service's quality. This case study is to analysis the performance of campus inter-library loan in the past 9 years. As the related automation system was developed and upgraded, the service requests have been increasing annually. Campus inter-library loan requests were 12% of total book requests in 2001, and then were 75% of total book requests in 2008. The transaction time was reduced until 17% of 2004.

Comparative Analysis on the Statistics of Academic Libraries of Major Universities in South Korea and North America (국내 및 북미 주요 대학의 도서관 통계 비교 분석)

  • Choi, Jae-Hwang;Lee, Jongwook
    • Journal of Korean Library and Information Science Society
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    • v.51 no.3
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    • pp.197-221
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    • 2020
  • This study aims to compare the statistical indicators of libraries of 57 Korean universities and 116 North American universities using Rinfo and ARL statistics respectively. The authors compared twelve similar statistical indicators and found that North American academic libraries were superior in 'volumes in library', 'electronic books', 'total staff', 'total library materials expenditures', 'total items borrowed', 'total items loaned', 'library presentations to groups', and 'participants in group presentations', compared to Korean academic libraries. Although Korean academic libraries showed higher numbers in 'annual gate count', 'reference transactions', 'initial circulations', and 'full-text article requests', there exist some differences in definitions and scopes of these indicators between Rinfo and ARL, needing cautious interpretation of results. The findings of the study imply the needs of expanding support for academic libraries that play pivotal roles in increasing competitiveness of teaching and research of universities. It was also found that systematic management and improvement for statistical indicators of Rinfo are necessary.

Review of Healthcare Specialist Training Programs in Japan and Policy Implications (일본 개호인재 확보 정책동향 및 시사점)

  • Kwon, Ju-Young
    • Journal of the Korea Convergence Society
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    • v.11 no.3
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    • pp.237-244
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    • 2020
  • Confronting rapid population ageing, Japanese government proposes various types of regional comprehensive care programs for elderly people. In particular, the Japanese government and local governments are making efforts to ensuring long-term care workforce. Among others, the government is pursuing measures to secure specialized manpower in various ways 1) Construction of infrastructure, 2) Loan system for long-term care worker, 3) Inflow of long-term care staff for foreign students, etc. Also, universities have trained numerous community care specialists through research centers for health care, social welfare, and specialized education. Korea is also expected to explode the demand for long-term care worker at the rapid rate of aging, and it is necessary to actively discuss measures to cope with it.