• Journal of the Economic Geographical Society of Korea
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• v.12 no.4
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• pp.681-701
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• 2009

There were three banks that had the head office in Busan since 1912, Gyong-Nam Bank, Dong-Rae Bank and Busan Commercial Bank. This article tries to catch hold of the characteristics of the establishment and management, and the merging process of three banks. The main stockholders and managers made use of the money of the banks for the enterprises that they operated. Gyong-Nam Bank was combined with Dae-Gu Bank in 1928 to be Dae-Gu Commercial & Industrial Bank. The revised bank ordinance of 1928 regulated that the head office banks had to meet the requirement of the paid-in capital, 2 million yen. Not meeting such an excessive requirement, Dong-Rae Bank was amalgamated to Ho-Nam Bank of Gwang-Ju in 1933. Busan Commercial Bank was absorbed in Cho-Sun Commercial Bank in 1935 because it couldn't get back huge loan from a company which belonged to its three main stockholders. Japanese were already the main stockholders of Cho-Sun Commercial Bank from the beginning of 1920s. The banking agencies were not able to deal with the economic fluctuations effectively, and didn't have any economic organization in support of their profit. Cho-Sun Government-General forced the head office banks to be merged to control the colonial economy.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.9
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• pp.669-679
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• 2016

Architectural firms that would like to adopt the BIM are currently in an unfavorable position because of reduced orders, polarization of orders, and low price design. This study was conducted to evaluate plausible methods for supporting introduction of BIM into small sized firms. Before suggesting plans for support, we analyzed support projects and laws relating to support for small sized firms, after which we conducted a survey of small sized firms that support the project. The survey was completed by 242 architects and consisted of questions regarding the following aspects: current status and problems associated with BIM utilization, preference of certain policies for BIM introduction support, and reasonable level of support. After the survey, it was concluded that architectural firms are willing to use BIM and agree with the need for financial support for BIM program purchase and education, as well as to support BIM experts and fund low interest loans. In conclusion, it is proposed that support plans for small sized architectural firms in the areas of BIM introduction consulting, financial funding for the introductory process, provision of education and experts, order support, and promotions for accomplishment be provided.

• Journal of the Korea Convergence Society
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• v.9 no.11
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• pp.299-306
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• 2018

Changes in demographic and economic conditions affect corporate strategy, labor market and social welfare. The purpose of this study is to examine the effects of changes in population and economic situation on library use and to examine the income effect of library use. In order to achieve the purpose of this study, we analyzed the 10 year fixed library of public library statistics and statistical census data from 2008 to 2017 using the panel fixed effect model using the data of regional gross production and unemployment rate. And the changes in the economic and demographic characteristics of the region are used to confirm the regularity of the relationship between the changes in the usage situation of the libraries belonging to a certain region and the changes in the economic and demographic conditions in the respective regions. As a result of the analysis, the changes in the economic environment did not significantly affect the number of visitors to the library and the number of library users, but it was an important factor in the number of borrowers. This study is significant in that it shows how the economic environment changes affect the library. The result of this study is expected to be a theoretical basis for establishing the service policy of public libraries.

• Journal of the Korean Society for information Management
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• v.36 no.2
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• pp.31-56
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• 2019

The user satisfaction and needs of an academic library were caught through a questionnaire survey in this study. The aim of this study is to draw up the CRM based plan for meeting user needs on the study. The users' demographic information, library resources & their use, homepage, services, and facilities/environment of the library were categorized in the questionnaire and analyzed for this study. The major conclusions of this study are: (1) The library resources use was the highest, and its facilities/environment was the lowest in the user satisfaction study. It also revealed that there are much necessities for the quick acquisition and dissemination of the requested material to the library users, and for the inter-library loan (ILL) services among campuses for the subscription books in the library resources use study, too; (2) There are a lot of necessities for the improvement of OPAC retrieval and the subscription books system, and menu rearrangement in the library homepage; (3) There are a lot of necessities for the plans of more frequent library event, more detailed event guidance, and more reinforcement of public relations such as SMS, push services of SDI etc. in the library user services; and (4) There are a lot of necessities for the improved policies to the complaints of library users such as the lack of common study place and lockers, air conditioning and heating problem, complaints about facilities management of restroom (lack of toilet paper), library accessibility on campus, unauthorized user management etc. in the facilities/environment of the library.

• Journal of Korean Library and Information Science Society
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• v.52 no.1
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• pp.155-178
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• 2021

In the era of the 4th industrial revolution, public libraries need a strategy for promoting intelligent library services in order to actively respond to changes in the external environment such as artificial intelligence. Therefore, in this study, based on the concept of artificial intelligence and analysis of domestic and foreign artificial intelligence related trends, policies, and cases, we proposed the future direction of introduction and development of artificial intelligence services in the library. Currently, the library operates a reference information service that automatically provides answers through the introduction of artificial intelligence technologies such as deep learning and natural language processing, and develops a big data-based AI book recommendation and automatic book inspection system to increase business utilization and provide customized services for users. Has been provided. In the field of companies and industries, regardless of domestic and overseas, we are developing and servicing technologies based on autonomous driving using artificial intelligence, personal customization, etc., and providing optimal results by self-learning information using deep learning. It is developed in the form of an equation. Accordingly, in the future, libraries will utilize artificial intelligence to recommend personalized books based on the user's usage records, recommend reading and culture programs, and introduce real-time delivery services through transport methods such as autonomous drones and cars in the case of book delivery service. Service development should be promoted.

• The Journal of the Korea Contents Association
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• v.22 no.7
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• pp.63-72
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• 2022

With the advent of cryptocurrencies such as Bitcoin in 2009, the paradigm of money, a means of payment, has been changing significantly. And it has a great impact on our daily lives. Thus central banks have attempted various analyzes on the issuance and impact of digital currencies including electronic payments but a study on which issuance method is suitable is insufficient. In this study, the issuance of digital currency was analyzed compared to the electronic payments which are currently used. As a result, the account-based model did not show any significant differences from the current RTGS(real-time gross settlement systems) and retail payment systems. But the token-based model is expected that it can improve the efficiency of finance and induce technological innovation in the financial field. However, it was analyzed that this model would weaken the intermediary function of financial institutions such as loans due to the characteristics of digital signature technology. In addition, in order to protect consumers against security attacks such as hacking and phishing of CBDCs, legal and institutional supports similar to the current electronic payment method are required, and continuous technology development efforts are also required for the CBDC issuance model to maintain convenience and anonymity equivalent to cash.

• Journal of Cadastre & Land InformatiX
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• v.51 no.2
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• pp.151-168
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• 2021

This study compared and analyzed the effect of the burden of household expenditure in the metropolitan and non-metropolitan areas on the intention to childbirth intention to married women using a panel logit model. To this end, this analysis targeted married women aged 25 to 39 who are highly likely to be fertile. The main results are as follows; First of all, it was confirmed that the economic power of spouse can be an important factor in the childbirth intention regardless of region. Second, it was found that the higher the satisfaction of marriage had a positive effect on the childbirth intention, and also higher the value that children must have, the higher the childbirth intention. Third, it was confirmed that the burden of household expenditure is the most important factor in the willingness to childbirth intention, excluding factors such as the number of existing children. In particular, the burden on education spending in both the capital region and non-capital region was found to be a key reason for the decrease in the childbirth intention. Lastly, the burden of household expenditure showed different effects on childbirth intention on depending on the region. Specifically, in the capital region, medical spending and loans had a greater impact, while, in the non-capital region, transportation and communication costs had a greater impact on childbirth intentions. Through the results, this study confirmed the implication that easing the burden on household expenditure is continuously necessary to enhance childbirth, and that discriminatory policy approaches are required depending on the area of residence.

• Journal of Industrial Convergence
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• v.21 no.1
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• pp.111-122
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• 2023

The purpose of this study is to verify the factors affecting survival time by estimating survival rate and survival time using non-financial information of social enterprises using credit guarantee in credit guarantee institutions, and provide information to stakeholders to improve survival rate and employ to contribute to maintaining and expanding the As a research method, survival analysis was performed using a non-parametric analysis method, Kaplan-Meier Analysis. As a sample, 621 companies (577 normal companies, 44 insolvent companies) established between 2009 and 2018 were selected as the target companies. As a result of examining the factors affecting survival time by classifying social enterprise representative information and corporate information, representative credit rating, representative home ownership, credit transaction period, and corporate credit rating were derived as significant variables affecting survival time. In the future, financial institutions will be able to induce corporate soundness by reflecting factors that affect survival when examining loans for social enterprises, contributing to job retention and reduction of social costs. Supporting organizations such as the government and private organizations will be able to use it in various ways, such as policy establishment and education and training for the growth and sustainability of social enterprises. With this study as an opportunity, I hope that research will continue with more interest in the factors influencing social enterprise performance as well as corporate insolvency.

• Korean Journal of Construction Engineering and Management
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• v.25 no.2
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• pp.45-55
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• 2024

This study analyzed the efficiency determinants of specialty construction companies by industry using the DEA model and the Tobit model. The analysis targets are 394 specialty construction companies as of 2022. As a result of analysis of efficiency determinants using 12 company characteristics as independent variables, the biggest problem for specialty construction companies was overall efficiency reduction due to rising labor costs. In addition, in a situation where construction companies' loan regulations are severe, the debt ratio was found to have a positive effect on efficiency. Company size had a different impact by industry, and the number of businesses held, credit score, and total capital turnover had an effect only on some industries. This study presents results that are an advance on existing research in that it strategically analyzes factors for improving the efficiency of specialty construction companies. However, it has limitations such as limiting the analysis to only specialty construction companies subject to external audit, insufficient number of companies subject to analysis by industry, and analyzing relative efficiency in the same category for each industry.

• The Korean Journal of Financial Management
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• v.26 no.3
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• pp.171-198
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• 2009

The primary purpose of this study is to examine the impact of new BIS regulation, which is the preparations to incorporate not only credit risk but also market and operation risk, on the bank behaviors. As methodology, SUR(seemingly unrelated regression) and pool unit test are used in the empirical analysis of banks survived in Korea. It is employed that quarterly data of BIS capital ratio, ratio of standard and below loans to total loans, ratio of liquid assets to liquid liabilities, allowances for credit losses, real GDP, yields of corporate bonds(3years, AA) covering the period of 2000Q1~2009Q1. As a result, it could be indicated that effectiveness and promoting improvements of BIS capital regulation policy as follows; First, it is explicitly seen that weight of lending had decreased and specific gravity of international investment had increased until before BIS regulation is built up a step for revised agreement in late 2001. Second, after more strengthening of BIS standard in late 2002, banks had a tendency to decrease the adjustment of assets weighted risk through issuing of national loan that is comparatively low profitability. Also, it is implicitly sought that BIS regulation is a bit of a factor to bring about credit crunch and then has become a bit of a factor of economic stagnation. Third, as the BIS regulation became hard, it let have a effort to raise the soundness of a credit loan because of selecting good debtor based on its credit ratings. Fourth, it should be arranged that the market disciplines, the effective superintendence system and the sound environment to be able to raise enormous bank capital easily, against the credit stringency and reinforce the soundness of banks etc. in Korea capital market.