• NEWSLETTER 전기공업
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• no.95-10 s.131
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• pp.2-11
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• 1995

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.207-224
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• 2018

In this article, an empirical study was conducted by using public dataset from Lending Club Corporation, the largest online peer-to-peer (P2P) lending in the world. We explore significant predictor variables related to P2P lending default that housing situation, length of employment, average current balance, debt-to-income ratio, loan amount, loan purpose, interest rate, public records, number of finance trades, total credit/credit limit, number of delinquent accounts, number of mortgage accounts, and number of bank card accounts are significant factors to loan funded successful on Lending Club platform. We developed online P2P lending default prediction models using discriminant analysis, logistic regression, neural networks, and decision trees (i.e., CART and C5.0) in order to predict P2P loan default. To verify the feasibility and effectiveness of P2P lending default prediction models, borrower loan data and credit data used in this study. Empirical results indicated that neural networks outperforms other classifiers such as discriminant analysis, logistic regression, CART, and C5.0. Neural networks always outperforms other classifiers in P2P loan default prediction.

• KDI Journal of Economic Policy
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• v.17 no.4
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• pp.97-141
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• 1995

본고(本稿)는 우리 경제의 개방화(開放化) 자율화(自律化) 추세 속에서 거시경제정책수단(巨視經濟政策手段)으로서의 재정정책(財政政策)의 기능과 역할에 대해 다음의 두가지 방안을 제시하고 있다. 첫째로, 분기별(分期別) 통합재정통계(統合財政統計)를 이용한 실증분석 결과에 기초해서 안정적 경제운영(經濟運營)에 있어서 통합예산관리(統合豫算管理)의 중요성을 강조하였다. 분석결과, 기존의 연간자료를 이용한 분석에서 밝혀진 바와 같이 물가 상승률과 재정적자 변수간에 정(正)의 상관관계가 존재하는 것으로 나타났으며, 총통화 변수와 재정수지(財政收支)를 포함하는 물가상승률의 추정식 결과를 이용해서 단기적인 통화(通貨) 재정변수(財政變數)의 적정조합을 모색해 볼 수 있다. 다른 조건이 일정하다면 연간 총통화 증가율 1%포인트와 재정적자(財政赤字)의 대(對)GNP 비율 1%포인트 증가가 평균적으로 비슷한 정도의 물가압력을 낳는 것으로 나타난다. 둘째로, 효율적인 거시경제운영(巨視經濟運營)을 위해 요구되는 재정의 보다 근본적인 역할재정립 방향에 대해서 논의하였다. 해외자본유입(海外資本流入) 등에 대비하기 위해서는 신축적인 통화관리여건이 조성되어야 하고, 이를 위해서는 한은대출에 의한 정책금융 지원분의 재정이관 문제가 보다 적극적 전향적으로 검토되어야 한다. 총액한도대출대상 정책금융 중 지방중소기업자금의 이관문제가 검토되어야 하며, 상업어음할인, 무역금융, 소재 부품생산자금의 경우 기존의 중소기업지원관련 기금에 대한 출연을 확대해서 단기운전자금의 대출 등을 담당하게 하는 방안을 검토할 필요가 있다. 또한 총액한도대출대상 정책금융이 중소기업에 대한 지원인 점을 감안할 때, 중소기업부문(中小企業部門)에 대한 재정지원체계(財政支援體系)를 금리자유화 일정 등을 감안하여 종합적으로 정비함으로써 총액대출한도의 축소를 유도하는 역할을 재정이 담당해야 할 것이다.

• Journal of the Korean Society for information Management
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• v.30 no.3
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• pp.229-247
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• 2013

This study analyzed the difference between the two situations to verify the effectiveness of the book selection by the subject professionals in a academic library. In this, some circulation statistics before and after introduction to subject specialists were compared. Moreover, by using Minitab and t-test, ANOVA among other statistical techniques, 186,435 books selected 3 years before September 2005 and after 3 years and 622,213 circulation statistics about those books in 'S' University Library were compared and analysed. The results were as follows: (1) After introduction to the subject librarian, the proportion of books selected by librarians were increased. (2) After introduction to subject reference librarian, the foreign books selected by the faculty and the librarians were statistically significantly increased. (3) By academic field, the academic fields of the books selected by the faculty were significantly increased, but the academic fields of the books selected by the students were significantly decreased.

• The Journal of the Korea Contents Association
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• v.17 no.9
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• pp.145-158
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• 2017

Lately, rapid increase of household debt and economic change has affected cash flow of household, insolvent risk has increased by high repayment burden of the principal and interest. Previous researches was progressing various discussion, composed objective repayment burden index about household debt. But it was relatively insufficient about perception of consumer. This research compare and analysis determinants of subjective repayment burden in household debt by income quintile, using 2016 Household Financial Welfare Survey. The research result is follows. The income 1 and 2 quartile groups have the higher monthly rent and credit card loan and the housing preparation loan ratio, the higher burden on repayment of the principal and interest. The Income 3 and 4 quartile groups have the higher 60s or older and member of household and real estate mortgage loan, the higher burden on repayment of the principal and interest. The Income 5 quartile group has the higher loan ratio for debt repayment preparation, the higher burden on repayment of the principal and interest.

• 주택과사람들
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• s.196
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• pp.72-77
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• 2006

스페인의 주택 가격은 주택담보대출 비율이 높고, 이민으로 인한 수요가 많아 큰 폭의 오름세를 보이기도 했지만 최근 들어 상승세가 다소 둔화되고 있다. 이에 비해 오피스, 상가와 같은 수익형 부동산은 공급 부족으로 최근 들어 공실률이 빠르게 하락하고 있다.

• 주택과사람들
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• s.204
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• pp.46-49
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• 2007

1997년 아시아 외환위기를 겪은 인도네시아는 아직 환란을 완전히 극복하지 못했다. 환율은 여전히 안정적이지 않고, 부실 대출 비율이 증가하는 등 불안 요인도 많다. 정부 차원에서 외국인 투자 유치를 위한 정책을 내놓는 등 시장 활성화에 힘쓰고 있는 인도네시아 자카르타 부동산 시장을 짚어보았다.

• Journal of the Korean Society for information Management
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• v.40 no.3
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• pp.143-162
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• 2023

This study analyzed the Beopmaru, Supreme Court Library of Korea, circulation data to identify user lending patterns and proposed a plan to reflect the analysis results in future user services. In 2022, Beopmaru's collection of books was 212,608, with law books accounting for 73%. However, general books accounted for 83% of actual circulation. Looking at the usage coefficient by topic, the literature field was the most actively used at 5.85, and the law field was the least used at 0.23. In the case of interlibrary loan, both KERIS member institutions and the Korean Bar Association had the highest loan ratios in the legal field, civil law field, and judicial litigation procedure field, in that order. However, member institutions affiliated with KERIS, a legal academic community, were lending law books on a wider range of subject areas than the Korean Bar Association, a practical organization. To improve access to legal information, the Beopmaru public service was implemented, but in reality, the use of reading space was high, and the proportion of general books loaned was much higher. In order to improve this, it seems necessary to strengthen the promotion of Beopmaru loan services, provide personalized services, improve book lending regulations, strengthen online services, and establish a cooperative network.

• Journal of Korean Library and Information Science Society
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• v.54 no.4
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• pp.1-24
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• 2023

In a situation with reducing numbers of students and local universities in crisis, this study aims to analyze collection and loan usage data in small-sized university libraries and present evidence for guiding their collection development policy. The data was collected from Rinfo from 2010 to 2022 regarding the numbers of enrolled students, collected books, book loans, and electronic resources and compared the average values of entire 4-year university libraries to those of small-sized ones by year and region. Results show that while the numbers of enrolled students and book loans have decreased in both of groups, the number of collected books has increased 30% more in small groups and the amount of electronic resource use has increased enormously as well. Correlation analysis presents that both of groups have the consistent result. It is suggested that small-sized university libraries should highly increase their budget ratio to electronic resources for collection development and build a consortium by university's speciality for mutual use of electronic resources.

• 주택과사람들
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• no.56 s.73
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• pp.10-27
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• 1996

[ $\circ$ ]최근 일본에서는 계속되는 부동산경기 침체로 금융기관의 부실채권이 크게 늘어남으로써 금융시스템의 안정성을 위협하고 있음 $\circ$ 우리나라에서도 1992년 이후 부동산경기가 부진한데다 건설업체의 난립에 따른 과당경쟁으로 건설업체의 부도가 늘어나고 금융기관 부실채권이 증가하였으나 그 정도는 일본보다 훨씬 약함 -일본은 지가(6대 도시)가 1995년 현재 정점 대비 $49\%$ 수준으로 하락한 반면 우리나라는 $89\%$ 수준으로 하락하는데 그침 -또한 우리나라에서는 부동산업에 대한 대출이 금지되어 있어 전체 부동산관련 대출배율도($17\%$)도 일본($29\%$)보다 작을 뿐만 아니라 금융기관의 총대출에 대한 부실채권의 비율도 $1\%$ 로서 일본($26\%$)보다 낮음 $\circ$ 따라서 우리나라에서의 부동산경기 부진이 일본에서처럼 금융시스템의 안정성을 위협하는 사태로 발전할 가능성은 크지 않은 것으로 보임