• Korean Journal of Human Ecology
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• v.18 no.1
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• pp.123-136
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• 2009

Debt and credit problems in Korea have been escalated during the past decade. The number of people with debt and credit problems is in its historic high. In May 2008, about 2.48 million debtors are officially classified as bad debtors and 7.20 million people have low credit scores. People with low credit scores are in disadvantageous situation in the financial market thus their financial transactions and activities are limited. In 2004, Korean government introduced various credit rehabilitation programs. However, most of these problems are remedial in nature and preventive programs such as credit counseling and debtor education are lacking. The purpose of this review is to examine US credit counseling and debtor education programs to obtain insights for preventive credit program developments in Korea. The review focused on programs offered through National Foundation for Credit Counseling, Jump Start, and Cooperative Extension Services from two large land grant Universities. From the program review suggestions and recommendations for educational contents, program and educator developments, and program quality control were discussed.

• Journal of Families and Better Life
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• v.19 no.1
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• pp.77-93
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• 2001

This paper examines consumer problems and issues of credit card use. The cases of credit card problems were from a civil consumer organization called Green Consumers Network in Korea. This paper focused on over five concerns, including credit card issuing, lost or stolen card settlements, vendor fee charging to customer, withholding payment in case of unsatisfactory purchases, and abusive debt collecting practices. Some solutions for the consumer problems were suggested.

• Journal of the Korean Data and Information Science Society
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• v.27 no.5
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• pp.1293-1305
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• 2016

In this paper, we develop debt collection predictive models for the person in arrears by utilizing the direct loan data of the Korea Student Aid Foundation. We suggest credit risk scorecards for overdue student direct loan using the developed 3 models. Model 1 is designed for 1 month overdue, Model 2 is designed for 2 months overdue, and Model 3 is designed for overdue over 2 months. Model 1 shows that the major influencing factors for the delinquency are overdue account, due data for payment, balance, household income. Model 2 shows that the major influencing factors for delinquency loan are days in arrears, balance, due date for payment, arrears. Model 3 shows that the major influencing factors for delinquency are the number of overdue in recent 3 months, due data for payment, overdue account, arrears. The debt collection predictive models and credit risk scorecards in this study will be the basis for segmented management service and the call & collection strategies for preventing delinquency.

• Journal of Digital Contents Society
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• v.7 no.4
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• pp.227-234
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• 2006

While most of the real estate information provided on the web is simply based on the information of the properties like addresses, locations, prices etc, this paper suggests methodologies for the development of a total information system of real estate which can provide, in an one-stop mode, value-added real estate information contents. The total information system of real estate designed in this paper includes a geological information system using a GIS, a property information system using photos and videos, a systemized legal consulting system, a web call center where customers can communicate with real estate experties on the web and lastly marketing analyses system using credit card data.

• Korean Journal of Culture and Social Issue
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• v.16 no.3
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• pp.241-265
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• 2010

This study reviewed the present state and differences of rehabilitation programs of the gambling addiction by comparing with other psychiatric disorder(including psychotic disability and alcohol addiction). This study also intended to suggest necessities, meanings and inherent fields of the rehabilitation in gambling addiction. First of all, the government and a few gambling industries run clinic centers for gamblers and their families, but have been lacked rehabilitation services for social comeback and adaptation or devaluated rehabilitation services than therapies. Gambling addict didn't have impairments of the cognitive function and their daily abilities was better than any other psychiatric disorders. But Damage of social role or function of gambling addiction was severe. And it is caused by nonadaptive nature of gambling behavior, personality/emotional change through gambling addiction process, and previous personality problem etc. There are many severe failure of social role and its attendant bankrupcy, family's problems and social poverty in gambling addiction, Therefore, important fields in the rehabilitation of gambling addiction should be services for basic social comeback support service, credit recovery support, monetary management, support of rehabilitation of family and vocational rehabilitation. Finally, the significance and critical points of the current study has been discussed as well.

• Convergence Security Journal
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• v.14 no.3_2
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• pp.3-12
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• 2014

The government was fully aware of the gravity of a recent massive leak of personal information of credit card users. Meanwhile, the government just took a light disciplinary action by imposing a fine, but it showed its intention to strengthen the regulations by taking the severest disciplinary action. The tightened regulations against personal information leak will be applied to the private security industry without exception to protect individual people's property and lives if such an incident occurs in that industry that deals with a wide variety of personal information such as CCTV data or privacy information all the time. The purpose of this study was to examine the state of the protection and management of personal information for service users among private security firms in an effort to suggest some reform measures. The findings of the study were as follows: First, administrators or managers who are involved with personal information protection should make a full-fledged effort to gather information. Second, counseling or related programs should be provided for small and mid-sized security firms to guarantee thorough personal information protection. Third, Korea Security Association should improve the educational system related to personal information protection to resolve problems with this education currently provided for managers and employees of these companies.