• Proceedings of the KAIS Fall Conference
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• 2009.12a
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• pp.727-730
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• 2009

국내일반은행 연체율은 그룹(대출형태)별로 다양한 원인에 의해서 연체율 결정이 이루어지고 있어 복잡성을 띠고 있다. 본 연구에서는 복잡성을 띠고 있는 연체율의 제 변인들을 파악하기 위해 패널 데이터 모형를 이용한 연구 모형을 설정하고 이를 통해 연체율에 결정적으로 영향을 미치는 제 변인에 대하여 조사, 분석, 검증한다. 본 연구는 3 그룹(기업대출, 가계대출, 신용카드 대출)을 분석대상으로 하였다. 분석기간은 2005년 1월부터 2009년 6월까지의 자료를 이용하였고. 국내은행 연체율을 종속변수로 설정하고 소비자물가지수, 종합주가지수, 환율, 동행(경기)종합지수, 국민주택채권, 고용률을 독립 변수로 투입하였다. 국내일반은행 연체율 요인을 추정한 결과 소비자물가지수는 정(+)의 영향을 미치는 유의한 변수로 나타나고 동행(경기)종합지수와 종합주가지수는 음(-)의 영행을 나타내는 유의적인 변수이지만 환율, 국민주택채권 그리고 고용률은 각각 유의적인 음(-)의 영행을 나타내는 비유의적인 변수로서 연체율에 큰 영향으로 주지는 않은 것으로 나타났다.

• The Journal of the Korea Contents Association
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• v.18 no.4
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• pp.416-427
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• 2018

As the loan size of real estate PF is huge, its market ripple effect gets bigger when overdue occurs. Accordingly, the management of the delinquency rate and macroeconomic analysis are required. As the preceding research mainly proceeded with microeconomic analysis through the real estate PF data of individual banks to evaluate importance of list or analyzed core factors for delinquency, it lacked research on comprehensive real estate PF size. In order to overcome the limitations of such data, this research studied real estate PF delinquency rate of the entire market and effect relationship by the size. The research utilized the size of real estate PF loans, money supply, interest rate, consumer price index(CPI), and GDP data. Also, it applied the first model of VECM as linear relationship between at least two or more variables, following the result of co-integration test. As a result of Granger-causality test, the real estate PF loans delinquency rate is influenced by their loan size, and as a result of impulse response analysis, the interest rate is shown to be affecting delinquency rate the most. Interest rate could risesomeday and aggravate the delinquency rate of real estate PF. Also, risk exposure could be serious as the loan size increases.Therefore, the management of real estate PF delinquency rate requires continuous monitoring, tracking and observing issued loans from a macro point of view. The plans to prevent delinquency will be necessary.

• Proceedings of the Korea Information Processing Society Conference
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• 2023.11a
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• pp.380-381
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• 2023

최근 경제침체로 인해 지속되는 연체율 상승의 원인을 지역별 및 시차별로 분석하였다. 독립변수를 가계대출변수, 부동산지수변수, 경제지표변수로 나누었고 통계적 모델링을 통해 총 19 가지 변수로 연체율을 예측하였다. 각 지역마다 상이한 결과가 도출되었는데 이를 바탕으로 지역별 연체율 감소 정책을 제안한다.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.11 no.1
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• pp.272-277
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• 2010

In respect complication of group, rate of arrearage in domestic bank is composed of various factors. This paper studies focus on estimating the determinants of the rate of arrearage in domestic bank using panel data model. The volume of analysis consist of 3 groups(loaned patterns of enterprise, housekeeping, credit card). Analyzing period be formed over a 54 point(2005. 1~ 2009. 06). In this paper dependent variable setting up rate of arrearage in domestic bank, explanatory(independent) variables composed of the consumer price index, composite stock price index, rate of exchange, the coincident composite index, national housing bonds and employment rate. The result of estimating the rate of arrearage in domestic bank provides empirical evidences of significance positive relationships between the consumer price index However this study provides empirical evidences of significance negative relationships between the coincident composite index and the composite stock price index. The explanatory variables, that is, rate of exchange, national housing bonds and the employment rate are non-significance variables of negative factor. Implication of these findings are discussed for content research and practices.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.15 no.6
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• pp.3564-3570
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• 2014

This study assessed the validity of establishing and implementing a financial supervisory policy considering that Mutual finance's increase in deposits received raises the rate of loans in the process that the recent financial supervisory authorities applied various regulatory measures to mutual financial organizations. As a result of the analysis with a least squares regression model for the correlation between the rate of increase in the deposits received by Nonghyup Mutual Finance and the default rate of loans through the complete enumeration on the 1,161 the regional Nonghyup branches nationwide from 2005 to 2011, showed that there was no (+) correlation between them the financial supervisory authorities premised but a (-) relation. As Nonghyup is a mutual financial organization with the phenomenon that the application plan of increased deposits received is becoming diversified, the increase in deposits received helps reduce the procurement interest rate of funds, which provides a chance to apply the low interest of loans again, so they have positive effects on the overall loans. Financial Supervisory authorities should re-establish a direction of policy understanding the characteristics of Nonghyup's fund use and the detailed correlation between the rate of increase in deposits received and the default rate.

• Journal of the Korean Society of Food Science and Nutrition
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• v.25 no.6
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• pp.1074-1079
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• 1996

Physicochemical characteristics of pigment separated from cockle shell were studied. Pigment on the cockle shell was peeled with distilled water, and soaked in 4% TCA solution for 30 minutes and filtered. Filtrate was washed 3 times with distilled water and Iyophilized. Dried pigment was dissolved with 2N NaOH solution and preparative TLC with 2N NaOH : acetone(1 : 1). UV/vis spectrum of pigment separated from cockle shell and melanin as standard was same one peak at UV area and λ$_{max}$was 226nm. Dissolved property of pigment was same as that of melanin. Pigment was not ommochrome but like melanin, because it was insoluble in formic acid, whitening in $H_2O_2, $ and pattern of UV-spectrum was same as melanin. Pigment separated from cockle shell was stable at high temperatures. In thermal treatment at $70^{\circ}C, $ $80^{\circ}C, $ $90^{\circ}C$ and $100^{\circ}C$ for 8 hours, retention ratio of pigment separated from cockle shell were 95.0%, 93.3%, 90.8% and 87.6%, respectively.

• 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.

• Smart Media Journal
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• v.13 no.2
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• pp.9-15
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• 2024

In this paper, a Diffusion Multi-step Classifier (DMC) is proposed to address the imbalance issue in credit prediction. DMC utilizes a Diffusion Model to generate continuous numerical data from credit prediction data and creates categorical data through a Multi-step Classifier. Compared to other algorithms generating synthetic data, DMC produces data with a distribution more similar to real data. Using DMC, data that closely resemble actual data can be generated, outperforming other algorithms for data generation. When experiments were conducted using the generated data, the probability of predicting delinquencies increased by over 20%, and overall predictive accuracy improved by approximately 4%. These research findings are anticipated to significantly contribute to reducing delinquency rates and increasing profits when applied in actual financial institutions.

• Journal of Food Hygiene and Safety
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• v.23 no.1
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• pp.15-18
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• 2008

For prevention of E. coli related with food poisoning including diarrhea, urinal infection, peritonitis and infant septicemia, two hundreds and twelve E. coli strains(10.3%) were isolated among 2,066 seafood products in Seoul Garak fishery market from 2005 to 2007. Most strains were isolated from fishes (7.0%), shellfishes (12.8%), crustaceans (8.7%), and molluscs (11.0%) in summer. Serotypes of E. coli isolates were determined as O6, O8, O25, O26, O27, O55, O78, O126, O158, O167, and O168. Conclusively, we knew that E. coli could be contaminated in various seafood products.

• Journal of Food Hygiene and Safety
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• v.17 no.3
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• pp.152-156
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• 2002

Totally, 742 fishery products were collected at Garak wholesale market in Seoul from Jan. to Dec. in 2001. Vibrio parahaemolyticus were 12.5%(93/742). The detection ratio of V. parahaemolyticus by month was reached the maximum in summer season (July to September). The highest ratio with 22.9% were abtained from molluscs, followed by shellfishes with 15.3%, and fishes and crustaceans with about 8%. The ratio of serotypable strains were 15.2%(10/66) and identified serotyps of V.parahaemolyticus were K24, K28, K34, K42, K47 and K53