• Title/Summary/Keyword: 대출 업무

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A Study on the Improvement for Archives Service Quality of Central Government Agencies Using QFD (품질기능전개(QFD)를 이용한 중앙행정기관의 기록관 서비스 품질개선에 관한 연구)

  • Lee, Su Jin;Lee, Sook Hee;Son, Eun Jeong;Oh, Hyo-Jung
    • The Korean Journal of Archival Studies
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    • no.58
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    • pp.263-297
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    • 2018
  • Archives of Government-Affiliated Organizations have responsibility for collecting and preserving valuable records produced during the business processes of their work and for actively serving users at the same time. This study applied Quality Function Deployment(QFD) techniques to analyzing user's actual requirements and proposing improvements for the archives service quality of central government agencies. In order to derive the components of the QFD, a survey was conducted among internal users of records centers in six central government agencies, as well as a literature study and interviews with working-level records researcher were also conducted. Afterwards, The House of Quality(HoQ) was constructed based on the user's requirements and technical characteristics derived, and the importance and priority of the recorder service technical characteristics were derived based on it. Based on the results, archives service of central government agencies should focus on improving the usability of records for internal user. Especially, it was confirm that the support for searching, reading and borrowing services should be strengthened.

Quality Diagnosis of Library-Related Open Government Data: Focused on Book Details API of Data for Library (도서관 공공데이터의 품질에 관한 연구: 도서관 정보나루의 도서 상세 조회 API를 중심으로)

  • Yang, Suwan
    • Journal of the Korean Society for information Management
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    • v.37 no.4
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    • pp.181-206
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    • 2020
  • With the popularization of open government data, Library-related open government data is also open and utilized to the public. The purpose of this paper is to diagnose the quality of library-related open government data and propose improvement measures to enhance the quality based on the diagnosis result. As a result of diagnosing the completeness of the data, a number of blanks are identified in the bibliographic elements essential for identifying and searching a book. As a result of diagnosing the accuracy of the data, the bibliographic elements that are not compliant with the data schema have been identified. Based on the result of data quality diagnosis, this study suggested improving the data collection procedure, establishing data set schema, providing details on data collection and data processing, and publishing raw data.

Effect of Anthropomorphism Level of Digital Human Banker Speech on User Experience: Focusing on Social Presence, Affinity, Trust, Perceived Intelligence, and Usefulness (디지털 휴먼 은행원 발화의 의인화 수준이 사용자 경험에 미치는 영향: 사회적 실재감, 친밀감, 신뢰도, 인지된 지능, 유용성을 중심으로)

  • Choi, Bomi;Jang, Seojin;Kang, Hyunmin
    • The Journal of the Convergence on Culture Technology
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    • v.8 no.4
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    • pp.469-476
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    • 2022
  • As the 3D modeling technology and conversational algorithm is developed, digital humans are being used in various fields, and also virtual bankers have begun to appear in banks, including major banks such as Shin-Han Bank and Nong-Hyup Bank. However, most of the research of digital human mainly focus on its appearance, and research on robot persona that should be considered in anthropomorphizing a robot is insufficient. In this study, an experiment was conducted to find out the user experience of three scenarios (student ID receipt, deposit and withdrawal account opening, leasehold loan consultation) in which the level of anthropomorphism of the speech strategy and the level of personal information use differed in the specific context of banking. As a result of the study, social presence and usefulness had an interactive effect on the scenario and the level of anthropomorphism. There was no interaction effect on intimacy, trustworthiness, and perceived intelligence, but a tendency could be confirmed.

A Study Comparing the Provision of Health Information Service by Public and Medical Libraries (공공도서관과 의학도서관의 건강정보서비스 제공현황 비교 연구)

  • Noh, Younghee
    • Journal of Korean Library and Information Science Society
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    • v.45 no.2
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    • pp.339-360
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    • 2014
  • The purpose of this study is to revitalize library service by examining how public and medical libraries provide health and medical information services. For this purpose, we conducted a survey of the two library types, and the results are as follows. First, more than 50% of the questions public librarians were termed "immediate answer" questions, while more than 80% of the questions medical librarians receive take up to a few days' time to answer. Public librarians were more likely to comment on the limitations of their expertise and information resources as compared to the medical librarians. Second, public librarians use mainly medical journals and websites for answering users' requests. However, medical librarians used, in almost the same ratio, all types of information resources represented in the survey questions. Third, when asking about health/medical-related training contents for performing their tasks, public and medical librarians are highly interested in all information about all health-related issues. However, while medical librarians showed high interest in all subject areas, public librarians most preferred well-being related education topics such as Information on diet and nutrition, Information about exercise and fitness, and information on quitting smoking.

A Study on Activation Plan of the Perception Survey Foundation for Specialized Library Librarian (특화도서관 사서의 인식조사 기반 활성화 방안 연구)

  • Noh, Younghee;Shin, Youngji;Kwak, Woojung
    • Journal of the Korean BIBLIA Society for library and Information Science
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    • v.29 no.4
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    • pp.91-111
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    • 2018
  • This study was carried out on specialized library librarians to investigate the status and overall satisfaction of specialized services and to compare the degree of importance and satisfaction of specialized subject data, specialized service places, specialization programs, specialized subject area facilities and environment based on ISA technique in order to derive problems and improvement measures for the operation of specialized libraries. As results, first, it was found that a specialized library subject should be selected based on the characteristics, history, and resources of the library location as well as based on the demand survey of the local residents and users. Second, based on the appropriate program type of specialized subject and the results from users' demand surveys, specialized libraries should develop different types of experience-type, lecture-type, view-type and the likes. Third, specialized library space types can be divided into integrated type, independent-in-integration type, and independent type. Even though it is most ideal to provide independently specialized space, the space must be constructed considering the circumstances and subject of specialization of each library. Fourth, specialized libraries should have at least one dedicated specialist in the corresponding subject. Dedicated specialists should provide lending and reference services related to the specialization such as tidying, browsing, reading and operating specialized programs. And a dedicated specialist must be an expert in the specialized subject and also a librarian who is responsible of the general library operation.

A Study on the Appropriateness of Intellectual Property Valuation: The Patent Valuation of Korea Technology Finance Corporation (지식재산평가의 적정성에 대한 연구: 기술보증기금의 특허가치평가를 중심으로)

  • Park, Youngsu;Choi, Sungho
    • Knowledge Management Research
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    • v.21 no.4
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    • pp.195-210
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    • 2020
  • Recently, the value of intellectual property rights including patents has been estimated for various purposes. In particular, the evaluation of loans, guarantees and collateral through patent valuation is increasing with the revitalization of technology financing. Although various studies have been conducted on patent valuation, little research has been done on the adequacy of patent valuation. In this study, using the DCF model, which is the most commonly used method of technology valuation, we examine the appropriateness of the patent valuation by comparing and analyzing the estimated value and actual value of the patent. An empirical result shows that the difference between estimated value and the actual value is statistically significant, and there is a significant difference between the estimated value and the actual value depending on the classification of evaluation work. In addition, while there is no difference between professors, patent attorneys, and researchers in the analysis of value differences according to technical evaluators, there is a significant difference between patent attorneys and other evaluators. Finally, we find a significant value difference between estimated value and actual value of technology subject to evaluation by industry.

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.

Comparative Analysis on Digital Currency Models and Electronic Payments (중앙은행의 디지털화폐 발행방식 및 전자지급수단의 비교분석)

  • Yoon, Jae-Ho;Kim, Yong-Min
    • The Journal of the Korea Contents Association
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    • v.22 no.7
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    • pp.63-72
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    • 2022
  • With the advent of cryptocurrencies such as Bitcoin in 2009, the paradigm of money, a means of payment, has been changing significantly. And it has a great impact on our daily lives. Thus central banks have attempted various analyzes on the issuance and impact of digital currencies including electronic payments but a study on which issuance method is suitable is insufficient. In this study, the issuance of digital currency was analyzed compared to the electronic payments which are currently used. As a result, the account-based model did not show any significant differences from the current RTGS(real-time gross settlement systems) and retail payment systems. But the token-based model is expected that it can improve the efficiency of finance and induce technological innovation in the financial field. However, it was analyzed that this model would weaken the intermediary function of financial institutions such as loans due to the characteristics of digital signature technology. In addition, in order to protect consumers against security attacks such as hacking and phishing of CBDCs, legal and institutional supports similar to the current electronic payment method are required, and continuous technology development efforts are also required for the CBDC issuance model to maintain convenience and anonymity equivalent to cash.

Quantitative Estimation Method for ML Model Performance Change, Due to Concept Drift (Concept Drift에 의한 ML 모델 성능 변화의 정량적 추정 방법)

  • Soon-Hong An;Hoon-Suk Lee;Seung-Hoon Kim
    • KIPS Transactions on Software and Data Engineering
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    • v.12 no.6
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    • pp.259-266
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    • 2023
  • It is very difficult to measure the performance of the machine learning model in the business service stage. Therefore, managing the performance of the model through the operational department is not done effectively. Academically, various studies have been conducted on the concept drift detection method to determine whether the model status is appropriate. The operational department wants to know quantitatively the performance of the operating model, but concept drift can only detect the state of the model in relation to the data, it cannot estimate the quantitative performance of the model. In this study, we propose a performance prediction model (PPM) that quantitatively estimates precision through the statistics of concept drift. The proposed model induces artificial drift in the sampling data extracted from the training data, measures the precision of the sampling data, creates a dataset of drift and precision, and learns it. Then, the difference between the actual precision and the predicted precision is compared through the test data to correct the error of the performance prediction model. The proposed PPM was applied to two models, a loan underwriting model and a credit card fraud detection model that can be used in real business. It was confirmed that the precision was effectively predicted.

The Efficiency of Bank Underwriting of Corporate Securities in Korea (국내 자본시장 증권인수기능의 효율성에 관한 연구 : 은행계열과 비은행계열 금융기관 비교 분석)

  • Baek, Jae-Seung;Lim, Chan-Woo
    • The Korean Journal of Financial Management
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    • v.27 no.1
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    • pp.181-208
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    • 2010
  • In July 2007, Korean government has passed "The Capital Market and Financial Investment Services Act" to further develop the capital markets and the Act was to become effective in February 2009. Using a large sample of Korean firms, we have examined (i) the effect of underwriting activities on the firm value (bond spread) comparing commercial bank and investment bank, and (ii) the determinants of the firm value changes following underwriting activities of bank. To test our goal, we collected a wide range of samples of data for bond issuing activities executed by Korean firms listed on the Korea Stock Exchange (KSE) between 2000 and 2003. Our paper is distinguished from previous studies on this subject in a way that we analyzed the effect of corporate bond underwriting activities with regard to commercial banking and investment banking. Initially, we set up a hypothesis that "Certification View" and "Conflict-of-interest View" are major driving forces behind cross-firm differences in performance following bond issuance. We find that, in general, underwriting by investment bank (securities company) brings a positive effect on the firm value (spread between bench mark rate and bond issuing rate). This result indicates that firm value has been negatively affected by the bank underwriting and provides the evidence for "Conflict-of-interest View" in Korea. Our studies have also revealed that any change in firm value following bond issuance is positively related with the firm size (total asset), operating performance, liquidity (cashflow), and equity ownership by foreign investors. Overall, our results support the view that bank underwriting activities can play an important role in determining firm value and financial strategies under "The Capital Market and Financial Investment Services Act" of 2007.

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