• Title/Summary/Keyword: 대출특성

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Characteristics and Current Status of Library E-book Purchase Contracts (도서관의 전자책 수급 계약의 특성과 실태)

  • Hosin Lee
    • Journal of the Korean Society for Library and Information Science
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    • v.57 no.1
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    • pp.435-456
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    • 2023
  • This study aims to check whether e-book purchase contracts have sufficient requirements to serve as legal basis for e-book lending outside the library, and also to understand the current status and characteristics of the library's e-book purchase contracts. To this end, the legal and technical environment related to e-book lending was reviewed, and the elements that must be included in the license contract were summarized as the legal basis for e-book lending. Based on this, it was analyzed whether these requirements were properly reflected in actual contract cases. For three years from 2020 to 2022, the actual 43 contracts that were bid through the Korea On-line E-Procurement System were inspected, and then problems were pointed out, and improvement measures were proposed.

A Study on Determinants of Financial Soundness of Savings Banks (저축은행 재무건전성 결정요인에 대한 연구)

  • Bae, Soo Hyun
    • The Journal of the Convergence on Culture Technology
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    • v.5 no.4
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    • pp.277-282
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    • 2019
  • This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.

Analysis of Difference of Preferred Loan Books According to Personality Types of Children and Adolescents (어린이·청소년의 성격유형별 대출도서 선호도 차이 분석)

  • Han, Yoon-Ok;Cho, Miah
    • Journal of the Korean Society for Library and Information Science
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    • v.47 no.4
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    • pp.255-274
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    • 2013
  • This study aims to set the criteria that can analyze and investigate the characteristics of books preferred by children and adolescents according to their personality types. To achieve this goal, the Enneagram personality test were conducted for 394 students of Year 5 from 8 primary schools and 374 students of Years 7 and 8 from 7 middle schools, which are located in Seoul and Gyunggi-do in Korea. The result of loan book was collected and analyzed. The analysis result showed that preferred books were different according to the personality types. The results of the specific values among the results of the preferred books were different depending on the central center where energy was used: brain-centered types (thought-focused), and heart-centered types (emotion-focused), and body centered-types (act-focused). This result is expected to be utilized for customized reading education according to personality types in the future.

A Study on the Scheme to Activate an e-Book Service in Academic Libraries (대학도서관 전자책서비스 활성화 방안에 관한 연구 - 대출기록 분석을 중심으로 -)

  • Jung, Jin-Han
    • Journal of the Korean Society for Library and Information Science
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    • v.43 no.1
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    • pp.113-133
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    • 2009
  • This study suggests a scheme to activate an e-book service through the analysis on the cause of low usage of the services in academic libraries. The data analysis of e-book circulation records was performed for the purpose of preparing the scheme. Frequency analysis and descriptive statistics were used for basic data analysis. Also, t-test, ANOVA, non-parametric chi-square, and correlation analysis were used to examine whether there are any significant differences between treatment groups divided by gender and major.

Analysis of public library book loan demand according to weather conditions using machine learning (머신러닝을 활용한 기상조건에 따른 공공도서관 도서대출 수요분석)

  • Oh, Min-Ki;Kim, Keun-Wook;Shin, Se-Young;Lee, Jin-Myeong;Jang, Won-Jun
    • Journal of Digital Convergence
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    • v.20 no.3
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    • pp.41-52
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    • 2022
  • Although domestic public libraries achieved quantitative growth based on the 1st and 2nd comprehensive library development plans, there were some qualitative shortcomings, and various studies have been conducted to improve them. Most of the preceding studies have limitations in that they are limited to social and economic factors and statistical analysis. Therefore, in this study, by applying the spatiotemporal concept to quantitatively calculate the decrease in public library loan demand due to rainfall and heatwave, by clustering areas with high demand for book loan due to weather changes and areas where it is not, factors inside and outside public libraries and After the combination, changes in public library loan demand according to weather changes were analyzed. As a result of the analysis, there was a difference in the decrease due to the weather for each public library, and it was found that there were some differences depending on the characteristics and spatial location of the public library. Also, when the temperature was over 35℃, the decrease in book loan demand increased significantly. As internal factors, the number of seats, the number of books, and area were derived. As external factors, the public library access ramp, cafe, reading room, floating population in their teens, and floating population of women in their 30s/40s were analyzed as important variables. The results of this analysis are judged to contribute to the establishment of policies to promote the use of public libraries in consideration of the weather in a specific season, and also suggested limitations of the study.

A Study of Electron Beam Production for High Pulse Power Generator (대전력 펄스파워의 개발을 위한 전자빔 발생장치 연구)

  • Kim, Won-Sop
    • Proceedings of the KIEE Conference
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    • 2004.07c
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    • pp.1979-1981
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    • 2004
  • 대전력 펄스 파워를 발생시키기 위한 마이크로파 발진기는 수GW의 대출력이 발생되고 있는데 발진특성, 높은 주파수, 발진출력향상등에 대한 여러 가지 연구가 진행되고 있다, 마이크로파는 지파회로를 이용하면 광속보다도 낮은 주파수를 갖게되며 전자빔과 속도가 일치될 때 에너지의 증대가 일어나 대전력 펄스퐈워를 발생시킬수 있다. 본 연구에서는 회로파의 군속도가 부의 영역에서 동작하는 후진파 발진기를 이론적인 계산에 의하여 연구하였다. 연구는 수십GHz의 주파수를 이용하여 보다 높은 출력, 효율이 발생되도록 하였고 분산특성을 이용하였다.

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A Study on the Analysis and Prediction of Housing Mortgage in Deposit Bank Using ARIMA Model (ARIMA 모형을 활용한 예금은행 주택담보대출 분석 및 예측 연구)

  • IM, Chan-Young;Kim, Hee-Cheul
    • The Journal of Korea Institute of Information, Electronics, and Communication Technology
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    • v.12 no.3
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    • pp.265-272
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    • 2019
  • In this study, we conducted a prediction study to qualitatively identify the continuous growth rate that causes problems every year for deposit bank mortgage loans, identify the characteristic factors that could once again stabilize, and come up with measures for future quantitative analysis of mortgage loans and growth trends. Based on data analysis using the R program, which is widely used for big data analysis, the parameters of ARIMA model (0.1,1)(0.1,1)[12] were found to be most suitable. In these indicators, estimates over the next five years (60 months) increased 4.5% on average. However, this has limitations that do not reflect socio-environmental factors, which require further study of these limitations.