• Information Systems Review
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• v.23 no.1
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• pp.69-91
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• 2021

Credit Bureaus in Korea commonly use financial transaction information of the past and present time for calculating an individual's credit scores. Compared to other rating factors, the repayment history information accounts for a larger weights on credit scores. Accordingly, despite full redemption of overdue payments, late payment history is reflected negatively for the assessment of credit scores for certain period of the time. An individual with debt delinquency can be classified into two groups; (1) the individuals who have faithfully paid off theirs overdue debts(Normal Repayment), and (2) those who have not and as differences of creditworthiness between these two groups do exist, it needs to grant relatively higher credit scores to the former individuals with normal repayment. This study is designed to analyze the factors of normal repayment of Korean financial debt delinquents based on credit information of personal loan, overdue payments, redemption from Korea Credit Information Services. As a result of the analysis, the number of overdue and the type of personal loan and delinquency were identified as significant variables affecting normal repayment and among applied methodologies, neural network models suggested the highest classification accuracy. The findings of this study are expected to improve the performance of individual credit scoring model by identifying the factors affecting normal repayment of a financial debt delinquent.

• The Journal of the Korea Contents Association
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• v.14 no.8
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• pp.466-475
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• 2014

According to the Housing Lease Protection Act, even though it is not registered, if the lessee has completed delivery of a house and the resident registration, the lease shall take effect against the third person from the following day thereof. Any lessee who has met the requirements for opposing power and obtained the fixed date on the lease contract document, shall be entitled to receive the repayment of the deposit from the converted price of the leased house, in preference to any junior obligors and other creditors, at the time of an auction as provided by the Civil Execution Act and a public sale as prescribed by the National Tax Collection Act. The lessee shall be entitled to receive a repayment of a specified amount of the deposit in preference to other persons having the security rights in the leased house. However those provisions give rise to many problems because the Housing Lease Protection Act allows the opposing power and the right of preferential payment from the following date of fulfillment of the requirement. For the purpose of solving the problems, this study suggests that the Housing Lease Protection Act need to be amended as follows. The fixed date should be added to the requirement of opposing power and the preferential right of specified deposit repayment. In addition, the commencement of opposing power and preferential right of deposit repayment need to be taken effect from the day that the requirement is fulfilled.

• Journal of the Korea Society of Computer and Information
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• v.17 no.8
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• pp.135-144
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• 2012

The Preferred Right that recognized in Housing Lease Protection Act Article 8 Paragraph 1 is a legal security right. The case of a small tenant whose security deposit is less than a specific sum of money to lease housing, he can get preferential payment about his a specific sum of money of security deposit in an auction procedure. Like this the Preferred Right can protect the homeless commoner also it ignores the existing legal system. But the Preferred Right has the right function that contribute to stability of homeless people's housing, on the other hand, it has the adverse function that damages to several interested parties in an auction procedure by using legal preferential protection. So, about these problems, the improvement way will propose in this study.

• Proceedings of the Korean Society of Computer Information Conference
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• 2017.01a
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• pp.89-92
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• 2017

공탁이란 채권자의 수령거절이나 수령불능 또는 채권자를 알 수 없는 등으로 변제를 할 수 없는 때에 변제자가 채권자를 위하여 변제의 목적물을 지방법원 공탁소에 임치함으로써 채무를 면하는 제도를 말한다. 또한 권리의 실현과정에서 다양한 기능을 하고 있는 법적제도이지만, 국민의 권리실현을 위한 채무자 보호입장에서 실질적으로 사적기관에 이임되는 경우가 많다. 특히 오랜 역사 속에서 발전되어 온 공탁제도는 처음에는 선의의 채무자를 보호하기 위한 제도로 출발하였으나, 현재는 권리구제적인 측면에서 제재나 보안수단으로 발전되어 온 것이 사실이다. 그러나 이 공탁제도가 시대상황을 잘 반영하여 운영하고 있지만, 공탁물의 범위에 있어서 외국화폐나 사법상의 재산권을 표창하는 증거증권은 그 범주에 들지 않는 문제점 등이 제기되고 있다. 따라서 본 연구에서는 외국의 입법례를 통하여 우리의 현행 민법 하에서 국민의 법 감정과 정서에 맞는 가장 바람직한 공탁제도의 방향을 제시하고자 한다.

• 식품문화 한맛한얼
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• v.2 no.2
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• pp.93-95
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• 2009

• 도로교통
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• s.91
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• pp.50-63
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• 2003

• 건강소식
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• v.11 no.11 s.108
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• pp.32-34
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• 1987

지금까지 범국가적으로 실시되어 오던 학생검변제도가 연 1회로 축소되어 가고 있는 때 일수록 학생이나 자녀를 둔 가정에서는 각별히 가을 기생충검사와 구충에 관심을 가져야겠다.

• Journal of Legislation Research
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• no.41
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• pp.261-302
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• 2011

A lien is the right to possession the thing until receiving repayment of its bonds in some cases that the property of other person or the occupant for marketable securities receive the bond that has occurred on that property or marketable securities. This has own purpose to break 'principle of creditor equality' to protect especially the bond of the subject occupant in terms of justice. These lien on our civil law come according to the law in prepared certain requirements. However, an incomplete real rights granted by way of security that does not have a preferential performance right or seniority on the exchange value of the object suffer from the problems a lot in the real estate auction process because of the feature that is not announced in the register unlike the mortgage. In addition, the lien of real estate is not lapsed in an auction process. There is no preferential performance righ in a positive law as providing that can oppose to the buyer(a successful bidder) until received repayment the secured bond price to be compliant with the lien(Civil Case Execution Law the 91st clause of Article 5). However, as asserted the super preferential performance righ to a buyer in real terms, acts as primary cause of breaking unexpected loss and according unfair law relation to a senior mortgagee and seizor, etc. and the principles of the creditors equality to the persons concerned in other words, the principles of justice. All of these issues are the establishment of the lien and theory conflict on the effects. In spite of the fluctuations of a real right about real estate is announced as a registration by the current law, only the lien come into unclear announcement means for possession. In addition, Civil Case Execution Law argument is caused by the adoption abernahmeprinzip about the lien (Civil Case Execution Law the 91st clause of Article 5). Therefore, this paper was examined briefly the significance and purpose, history and law-making examples of each country and the valid requirements and effect of the lien that is basic principle of law about the lien system above all. And then, it will be reviewed the improvement plan for de lege ferenda to improve the issues about this after reviewing the objection, theory and judicial precedent about opposing power and preferential performance right of the lien in the real estaKey Words : Lien, Oppose Power, Mortgage right, Preferential Performance right, Seizure, Real Estate Auction, Lien who can not Opposing against Successful Bidder, Lien who can Oppose against Successful Bidder, Possessionte auction that is a fundamental problem on requirement and effect of the lien.

• Proceedings of the Korean Society of Precision Engineering Conference
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• 2008.06a
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• pp.81-82
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• 2008

• 월간 기계설비
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• s.223
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• pp.42-46
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• 2009

최근 건설경기 침체에 따라 하도급 대금을 현금으로 지급하지 않고 불법 장기어음이나 미분양 아파트로 대물변제 등의 불법 하도급대금 지급행위를 근절하기 위해 국토해양부가 지난 1월 28일부터 '하도급대금 지급확인제도' 시행에 들어갔다. 하도급대금 지급확인제도는 원도급자가 하도급자에게 지급한 공사대금 내역과 하도급자가 수령한 하도급 대금을 발주자가 직접 비교 확인하여 하도급 대금의 적정지급 여부를 점검토록 한 것으로, 국토부 산하 지방청(국토관리 해양항만 항공)과 공사 공단에 전담부서를 지정하여 수시로 지급실태를 점검하고, 5개 국토관리청이 관할 구역 내에 공공발주 공사에 대하여 하도급대금 시급 실태를 총괄 관리하는 제도이다. 이 제도의 시행으로 공공공사에서는 불법 하도급대금 지급행위를 원천 차단 하여 불법 부당한 대금지급 관행이 근절될 것으로 기대된다. 이같은 제도를 시행하게 된 것은 그동안 대한설비건설협회(회장 강석대)가 불법 하도급대금 지급 근절을 위해 끊임없이 건의한 결과이다. 협회는 그동안 2차례에 걸친 국토부 차관과의 간담회를 비롯하여, 한나당 및 국토부 등 관련기관에 수차례에 걸쳐 건의했으며, 특히 연말에 이명박 대통령께 직법 건의하는 등 불법 하도급대금의 근절을 위해 많은 노력을 기울였다. 협회의 이러한 건의에 대해 국토부가 일정 부분을 수용함으로써 이 제도가 시행된 것이다.