• The Journal of the Convergence on Culture Technology
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• v.8 no.1
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• pp.435-440
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• 2022

This study analyzed the impact of changes in real estate prices on the soundness of Korean banks using multiple regression models. As a result of the analysis, changes in real estate prices significantly increase the banks' non-performing loans through the increase in loans. Among macroeconomic variables, short-term interest rates were found to have a significant effect on all soundness indicators such as BIS capital adequacy ratio, non-performing loans ratio, and liquidity coverage ratio. Among the bank characteristics indicators, the loan growth rate had a significant negative effect on BIS capital adequacy ratio, and the real estate mortgage rate had a significant positive effect. In additional, it was found that non-performing loans ratio and liquidity coverage ratio had a negative effect on BIS capital adequacy ratio.

• Journal of Korean Library and Information Science Society
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• v.44 no.4
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• pp.399-419
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• 2013

This paper conducted the empirical analysis of the behaviors revealed in the eight size distributions of the public libraries in Korea. As a result, the behaviors of complex system appeared in all eight size factors. This means that the sizes of public libraries in Korea were highly polarized. Especially, the zipf's law were found in the size factors such as gross area, number of staffs, volume of books, total budget. And the highly uneven distributions were occurred in the size factors such as membership, number of users, number of borrowers, number of borrowed books. This research outcomes show that a new policy of public libraries is needed to resolve the polarization revealed in the sizes of public libraries in Korea.

• Proceedings of the KIEE Conference
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• 2001.10a
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• pp.183-186
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• 2001

평판 디스플레이의 기술이 급격히 발전함에 따라 그 응용 분야가 다양해지고 평판 모니터용 LCD도 대형화추세를 보이고 있다. LCD는 광변조기능을 가지는 수광소자로서 발광원인 백라이트(backlight)를 필요로 하는데 백라이팅 기술은 냉음극방전램프(CCFL: Cold Cathode Fluorescence Lamp)를 광원으로 사용하며 사용되는 냉음극 방전램프 또한 모니터의 추세에 따라 길어지고 얇아지고 있다. 본 논문에서는 20인치의 대형 LCD 모니터의 백라이팅 즉 램프구동을 위한 안정적이면서 대출력을 가지는 인버터를 설계하였다. 일반적으로 CCFL은 같은 제조공정을 거치더라도 점등, 주파수, 전압, 전류 등 여러 가지 특성이 동일하지 않은 단점을 가지고 있는데 이는 초기 점등조건이나 점등후에 동일한 휘도를 가지는데 어려움을 준다. 본 연구에 사용된 20인치 LCD 모니터는 내부에 상하 각각 3개씩 6개의 램프를 내장하고 있으며, 제작된 인버터는 입출력 휘도대비 90%의 효율을 얻었으며, 램프간의 출력전류차가 2%로 미소하고, 최대 8개의 램프구동도 가능하다.

• The Journal of the Convergence on Culture Technology
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• v.7 no.2
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• pp.165-170
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• 2021

This study analyzed the effect of housing price changes on the performance of Korean regional banks using DOLS model. The analysis shows that housing price changes does not have a statistically significant effect on the loan growth, profitability and soundness of regional banks. Among macroeconomic variables, only short-term interest rates have a significant positive effect on any model. This means that a rise in short-term interest rates significantly increases loans by regional banks, which leads to a significant increase in profitability, but has a significant negative impact on soundness. On the other hand, bank characteristics variables are found to have a significant negative effect on the loan growth, profitability and soundness of Korean regional banks.

• Journal of Intelligence and Information Systems
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• v.29 no.3
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• pp.419-437
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• 2023

As the number of thin filers in Korea surpasses 12 million, there is a growing interest in enhancing the accuracy of assessing their credit default risk to generate additional revenue. Specifically, researchers are actively pursuing the development of default prediction models using machine learning and deep learning algorithms, in contrast to traditional statistical default prediction methods, which struggle to capture nonlinearity. Among these efforts, Graph Neural Network (GNN) architecture is noteworthy for predicting default in situations with limited data on thin filers. This is due to their ability to incorporate network information between borrowers alongside conventional credit-related data. However, prior research employing graph neural networks has faced limitations in effectively handling diverse categorical variables present in credit information. In this study, we introduce the Transformer embedded Graph Convolutional Network (TeGCN), which aims to address these limitations and enable effective default prediction for thin filers. TeGCN combines the TabTransformer, capable of extracting contextual information from categorical variables, with the Graph Convolutional Network, which captures network information between borrowers. Our TeGCN model surpasses the baseline model's performance across both the general borrower dataset and the thin filer dataset. Specially, our model performs outstanding results in thin filer default prediction. This study achieves high default prediction accuracy by a model structure tailored to characteristics of credit information containing numerous categorical variables, especially in the context of thin filers with limited data. Our study can contribute to resolving the financial exclusion issues faced by thin filers and facilitate additional revenue within the financial industry.

• Asia-Pacific Journal of Business
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• v.11 no.3
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• Journal of the Korean Magnetics Society
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• v.8 no.2
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• pp.93-98
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• 1998

Magnetic fluids have been used in the commercial area, e. g damping, sealing and hydrodynamic bearing. In this study, magnetic fluid was made for damping in loudspeaker. The magnetic fluids were snthesized by dispersing the magnetite powder which was obtained by precipitation method in Yubase oil. When the magnetic fluid was applied to a 6 cm tweeter, improvements of damping, centering and heat transger in a loudspeaker were noted. Also we compared the performance of the magnetic fluid with 20 % magnetite in the oil and the one of APG-815 (Niphon Ferrofluidic Co.)

• Journal of the Korean Regional Science Association
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• v.35 no.1
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• pp.59-72
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• 2019

This study focused on low fertility and population decline which threaten national competitiveness. Therefore, a comprehensive analysis was attempted on the impact of housing characteristics and residential area characteristics of newlyweds on their birth plan. To this end, the hierarchical linear model(HLM) was implemented using '2016 Korea Newlyweds' Housing Survey' data. The main findings of this study are as follows. First, the birth plan of newlyweds is affected not only by housing characteristics, but also residential area characteristics such as the average housing price, average private education expenses and the number of local child centers. Second, the use of housing loans and the housing tenure have an interaction effect with the average housing price and the number of local child centers among the residential area characteristics. In other words, the use of housing loans has a negative effect on the birth plan if the housing price is high in the area, and being renter household has a positive effect on the birth plan if the number of local child centers is high in the area. These findings suggest that governmental effort to raise the birthrate of newlyweds should take into account their housing characteristics as wells as residential area characteristics.

• Journal of Internet of Things and Convergence
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• v.8 no.3
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• pp.1-10
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• 2022

The purpose of this study was to investigate how the characteristics of mobile-based financial platforms have an impact on the intention to use loan service users. In addition, it was attempted to investigate whether usefulness and ease of use had a mediating effect in the relationship between each characteristic of the mobile financial platform on the intention to use the loan service. Data collection was conducted from March 1 to April 30, 2022, and 200 people participated in the study. Analysis methods were frequency analysis, exploratory factor analysis, reliability analysis, correlation analysis, hierarchical multiple regression analysis, and three-step mediation regression analysis. The research results are as follows. First, the influence of user factors, technical factors, and environmental factors of a financial platform on the intention to use a mobile loan service was found to be ubiquity in user factors, reliability in technical factors, and facilitation conditions in environmental factors. Second, in the relationship between convenience and intention to use user factors, usefulness had a completely mediating effect. Third, in the relationship between reliability of technical factors and intention to use, usefulness showed a partial mediating effect. Fourth, in the relationship between the social impact of environmental factors and facilitation conditions and intention to use, the usefulness showed a partial mediating effect. Fifth, ease of use showed a completely mediating effect in the relationship between convenience and intention of use of user factors. Sixth, in the relationship between reliability of technical factors and intention to use, ease of use showed a partial mediating effect. Seventh, in the relationship between the social impact of environmental factors and intention to use, ease of use showed a partial mediating effect, and in the relationship between facilitation conditions and intention to use, ease of use showed a fully mediating effect. Through this study, we tried to present basic data on the determinants of the user's acceptable intention to use the mobile loan service.

• Korean Journal of Social Welfare Studies
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• v.40 no.3
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• pp.149-179
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• 2009

Purpose of this study is to know what is the factors affecting in working poor household's residential ascend mobility. As a result, Working poor household residential ascend mobility is affecting from age, education, work ability, household type, child, asset, public assistance, region, house position, minimum housing facilities, housing environment, education facilities, lastingness rental apartment, nation rental apartment, the lease of a house on a deposit basis, monthly rent, loaning delay times, debt. Main implication is as following Analysis. First, When housing policies establish, Working poor household's characteristics and individual characteristics should be considered enough by welfare policies aspect. For this, Rent assistance system have to be enforced for working poor household's house loan. Second, Working poor household's guarantee of financial Accessibility for house loan. Finally, Working poor household's residential problem may be solved though efforts that can heighten enough public information and the utilization rate about various in government's house policies.