• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.19 no.5
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• pp.229-238
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• 2019

Before the scholarship loan system was implemented at the Korea Scholarship Foundation, the government's role was strengthened by the direct lending of student funds to banks and other financial institutions. However, the low repayment performance of student loans has raised concerns over the future of student loans and the government's financial burden. Moreover, since student loans are repaid even after graduating from college to support low-income families, it is highly unlikely that the repayment rate of student loans will improve unless the employment rate and income level of the borrower improve. In this paper, the final visualization graph is presented of the repayment amount of the student loan through the collection, storage, processing and analysis phase in the Big Data-based system. This could be the basis for visually checking the amount of student loans to come up with various ways to reduce the burden on the current student loan system.

• 주택과사람들
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• s.208
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• pp.42-47
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• 2007

일시적 2주택자의 '대출 갈아타기(대환 대출)'가 막히면서 처분 조건부 아파트가 올 하반기 집값의 새로운 변수로 떠오르고 있다, 앞으로는 금융기관의 빚을 갚기 위해 대출을 받을 수 없게 되는 만큼, 올해 안에 기존 주택을 처분해 상환해야 하는 4만 6000건(5조 2600억 원)중 절반만 매물로 나와도 부동산 시장에 커다란 영향을 미칠 것으로 보인다.

• The Magazine for Energy Service Companies
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• s.32
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• pp.30-31
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• 2005

이번 상품은 일반대출 형태에 팩토링 요소가 복합된 ESCO고객 맞춤형 상품으로 정책자금을 기반으로 한 저금리 상품이다. 기존의 상품이 ESCO를 대상으로 시설자금 대출만을 지원했다면 이번에 국민은행에서 새로 내놓은 상품은 시설 완공 후에 발생하는 매출채권에 대하여도 은행이 할인 매입하는 새로운 대출방법이다.

• 주택과사람들
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• s.195
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• pp.68-69
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• 2006

금융감독원이 발표한 '주택담보대출 리스크 관리 강화를 위한 추가조치'가 주택시장에 미치는 영향이 크다. 양도세, 재산세 등 각종 세금정책과 함께 대출한도 규제마저 실시되고 있어서 실수요자들이 내 집 마련을 하기 힘들게 됐다. '주택담보대출 리스크 관리 강화를 위한 추가조치'가 주택시장에 미치는 영향에 대해 살펴보았다.

• 주택과사람들
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• s.202
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• pp.18-19
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• 2007

DTI 규제 총부채상환비율(DTI)적용 여신 심사 기준이 시행되면서 주택 담보 대출은 더욱 위축될 전망이다. 대출 규제 내용과 이에 따라 달라질 수 있는 향후 부동산 시장을 전망해보자.

• Journal of the Korean Society for Library and Information Science
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• v.42 no.2
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• pp.371-392
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• 2008

The books and circulation-related data in the Online Public Access Catalog System of the H-Public library were collected and analyzed in this paper. The methods which may be applied to the Customer Relationship Management in a public library based on the results were also suggested here. Collected data were 57,927 bibliographic data of books, 11,871 patron data and 27,145 circulation records. The type of collections. circulation frequencies, total number of circulated books, publication year, and use factor as relation factor from the analyzed data of circulation records were extracted. They were also analyzed, and verified by various statistical methods such as correlation coefficient, non-parametric method, etc.

• Communications for Statistical Applications and Methods
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• v.17 no.5
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• pp.697-712
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• 2010

This paper is concerned with the statistical analysis and development of stochastic models for the demand for life insurance policy loans. For these, firstly the characteristics of the regression trend, periodicity and dependence of the monthly demand for life insurance policy loans are investigated by a statistical analysis of the monthly demand data for the years 1999 through 2008. Secondly, the causal relationships between the demand for life insurance policy loans and the economic variables including unemployment rate and inflation rate for the period are investigated. The results show that inflation rate is main factor influencing policy loan demands. The overall evidence, however, failed to establish unidirectional causality relationships between the demand series and the other variables under study. Finally, based on these, univariate time series model and transfer function model where the demand series is related to one input series are derived, respectively, for the prediction of the demand for life insurance policy loans. A statistical procedure for using the model to predict the demand for life insurance policy loans is also proposed.

• Korean Journal of Construction Engineering and Management
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• v.11 no.5
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• pp.32-40
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• 2010

Recent periodical boom and burst of house price have made mortgage lending issues become the main public interest in Korean real estate market. However, because mortgage-lending issues had not been discussed until then, housing market forecasting associated with mortgage lending has been difficult while using an empirical approach. Thus, comprehensive and systematic approach is required as well as validity of mortgage lending policies should be evaluated. In this regard, this research conducts a sensitivity analysis to validate the proposed policies and estimates the effects of current policies on LTV and DTI ratios with a comparison of another policies scenario. A causal loop and sensitivity analysis using system dynamics confirmed that LTV and DTI regulation is strong clout to housing market. However, to prevent transfer of potential mortgage borrowers to nonmonetary institutions, regulations in loans of nonmonetary institutions should be practiced in accompaniment with regulations of primary lending agencies.

• Journal of the Korea Convergence Society
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• v.10 no.4
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• pp.183-188
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• 2019

This study analyzes whether Income Contingent Loan achieves the policy goal of reducing the burden on higher education expenses with the emphasis on the repayment structure of the loan system and suggest ways to improve the incumbent policy. The study found that the voluntary repayment amount of the loan is much higher than the mandatory repayment amount. Therefore, various policy improvement measures are needed to activate the original purpose of the loan. We proposes improvements to the repayment, such as diversification of the repayment base rate, introduction of the loan integration, and analysis of loan default probability. In addition, this study has policy and academic implications in that it has suggested policy improvement measures by analyzing various overseas cases.

• Economic Analysis
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• v.25 no.4
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• pp.1-24
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• 2019

This study examines the labor market performance of graduates who had student loans. Compared to earlier studies, we extended analyses to all jobs that were experienced for more than 18 months after graduation. First, we found that students who had student loans earned 2.81% less at their first job compared to their counterparts without student loans. Second, the wage gap decreased over time, a reduction of 0.66%p due to labor market turnovers. Third, when we compared cumulated labor income, however, the amount for borrowers were continuously higher. This is because the job searching period of a borrower was shorter, despite relatively lower wages at the first job, and borrowers also made more frequent job turnovers, accompanying relatively more wage increases. These results suggest that the negative effects of college loans on earnings, reported in previous studies, may have exaggerated the negative impact to some extent of having loans. However, when we look at the quality of jobs beyond simply wages, the proportion of borrowers working at large companies as regular workers was consistently low. Given that job conditions at the earlier stages of one's career may lead to gaps over time, our findings call for more systematic investigations into the effects that student loans have on long-term labor performance.