• Title/Summary/Keyword: 대출 기록

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A Study on the Development and Evaluation of Personalized Book Recommendation Systems in University Libraries Based on Individual Loan Records (대출 기록에 기초한 대학 도서관 도서 개인화 추천시스템 개발 및 평가에 관한 연구)

  • Hong, Yeonkyoung;Jeon, Seoyoung;Choi, Jaeyoung;Yang, Heeyoon;Han, Chaeeun;Zhu, Yongjun
    • Journal of the Korean Society for information Management
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    • v.38 no.2
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    • pp.113-127
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    • 2021
  • The purpose of this study is to propose a personalized book recommendation system to promote the use of university libraries. In particular, unlike many recommended services that are based on existing users' preferences, this study proposes a method that derive evaluation metrics using individual users' book rental history and tendencies, which can be an effective alternative when users' preferences are not available. This study suggests models using two matrix decomposition methods: Singular Value Decomposition(SVD) and Stochastic Gradient Descent(SGD) that recommend books to users in a way that yields an expected preference score for books that have not yet been read by them. In addition, the model was implemented using a user-based collaborative filtering algorithm by referring to book rental history of other users that have high similarities with the target user. Finally, user evaluation was conducted for the three models using the derived evaluation metrics. Each of the three models recommended five books to users who can either accept or reject the recommendations as the way to evaluate the models.

Quasi-fiscal Activities of the Bank of Korea (한국은행의 준(準)재정활동)

  • Koh, Youngsun
    • KDI Journal of Economic Policy
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    • v.25 no.1
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    • pp.99-145
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    • 2003
  • Quasi-fiscal activities (QFAs) refer to those activities that public corporations carry out to achieve policy objectives of the government. QFAs often lead to the understatement of the government involvement in the economy and the overstatement of its financial balance, thereby lowering fiscal transparency and hiding fiscal risks. Central banks, as public corporations, perform various QFAs in many countries. I define QFAs in this case as those activities that are not directly related to the intrinsic function of central banks, whose responsibility lies in the administration of monetary policy and the provision of banking services for the government and commercial banks. In Korea, the Bank of Korea (BOK) has been an active source of QFAs. Of particular importance are the policy loans to commercial banks to promote their lending to small- and medium-sized enterprises and others. The outstanding stock of policy loans increased rapidly in the aftermath of the recent economic crisis, and stood at 7.6 trillion won (20 percent of the reserve money) at the end of 2002. Another important QFA by BOK stems from the transfer of part of its profits to the central government. The accumulated transfer during 1998-2002 amounted to 9.9 trillion won. My calculation shows that if these and other QFAs had been carried out by the government as explicit fiscal activities, the consolidated central government financial balance would have been below the actual balance by about 0.5 percent of GDP in each year since the economic crisis. It is suggested that the QFAs by BOK be reduced in coming years not only to enhance fiscal transparency but also to expand the flexibility of BOK's reserve management. Abolishing policy loans and minimizing transfers to the government would be the first step in this direction. BOK should also consider paying interest on the government deposit held in BOK.

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A Study of Digital Library Service Records and User Privacy (디지털도서관서비스기록과 이용자프라이버시에 관한 연구)

  • Noh, Young-Hee
    • Journal of the Korean Society for information Management
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    • v.29 no.3
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    • pp.187-214
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    • 2012
  • Libraries are founded to ensure the intellectual freedom of citizens, and citizens have the right to confidentiality regarding their needs, information access, and information use. Protecting users' privacy is critical to safeguarding their freedom of speech, freedom of thought, and freedom of assembly. Libraries and librarians should seriously concern themselves with their users' privacy because protecting this privacy is part of their most important mission, and, in doing so, users can truly enjoy their intellectual freedom. This study extensively investigated and analyzed the possibility of privacy invasion that may occur in libraries. As a result, cases of potential invasion of privacy in libraries were summarized in the following three categories: violations occurring in the process of national or law agencies' enforcement operations; violations occurring in the process of routine library services such as circulation, reference, online searching etc.; and violations occurring by outsourcing library services.

Study on Economic and Financial Education for the North Koreans after Unification: from the Perspective of Behavioral Economics (통일 후 북한 주민 대상 경제금융 교육에 관한 연구: 행태경제학 관점을 중심으로)

  • Son, Jeong-Kook;Kim, Young-Min
    • The Journal of the Convergence on Culture Technology
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    • v.7 no.2
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    • pp.239-246
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    • 2021
  • Unification means the change of the economic system from 'Planned Economy' of the North Korea to 'Market Economy' of the South Korea. Therefore, it may cause confusions and difficulties for North Koreans who have been under planned economy for ages. So, we need to take the perspective of behavioral economics for the effective education. First of all, it is about overall finance, which contains the record of financial transactions, effect of inflation, investors' bounded rationality, and choice difficulty of financial products. Second, it is about borrowings, which includes the credit management, interest rate of difference among financial institutions. Third, it is about investment on financial products, which includes the effect of cost on returns, difference between compound interest and simple interest, trade-off between expected return and risk, market and non-market risks, the importance of diversification, and passive & aggressive investments.

Improvement of Adjusted Funds according to Border Adjustment Method on Cadastral Reform Project (경계설정에 따른 지적재조사의 조정금 개선방안 연구)

  • Yoo, Mi-Young;Choi, Yun-Soo;Choi, Han-Young;Park, Moon-Jae
    • Journal of Cadastre & Land InformatiX
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    • v.50 no.2
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    • pp.117-132
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    • 2020
  • The study studied ways to improve the adjustment of the cadastral reform project after analyzing and evaluating the method of determining the boundaries and the overall status of the adjustment, focusing on cases of complaints in the business district in Sejong City, where the re-investigation project was completed. Measures to improve the adjustment amount of the cadastral reform project were largely divided into boundary adjustment and improvement measures according to the scope of area allowance and institutional improvement. According to an analysis of the status of boundary adjustment in Sejong City, the boundary of the cadastral reform project was being adjusted in various ways, and among them, it was found that it is simple to adjust, to formalize parcels, and that many adjustments are being made centering on resolving blind areas by establishing new roads. When setting such a boundary, it is necessary to establish an efficient and reasonable boundary by actively encouraging sufficient consultation with owners and an adjustment boundary that reflects the personal will of landowners to minimize disputes over the adjustment amount. In terms of improvement measures based on the area limit, it is necessary to accurately record and preserve the results of the cadastral resurvey in numerical data and to ease or exempt the adjustment amount if it is within the area permissible scope of the Spatial Data Management Act when calculating the adjustment amount. Finally, in relation to the adjustment, it was judged that it would be necessary to provide long-term low-interest loans to their own land to landowners, and that it would be necessary to calculate the adjustment through appraisal calculated by third parties fairly and objectively based on value judgment.

A Study on the Current State of the Library's AI Service and the Service Provision Plan (도서관의 인공지능(AI) 서비스 현황 및 서비스 제공 방안에 관한 연구)

  • Kwak, Woojung;Noh, Younghee
    • 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.