• 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.

• The Korean Journal of Applied Statistics
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• v.19 no.3
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• pp.407-419
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• 2006

In this paper, we analyze household overdue loans in Korea which has been causing serious social and economical problems. We consider customers of Bank A in Korea and focus on overdue cash services which have been snowballing in the past few years. From analysis of overdue loans, one can predict possible delays for current customers as well as build a credit evaluation and risk management system for future customers. As a statistical analytical tool, we propose a two-stage Generalized Linear regression Model (GLM) which assumes a logistic model for presence/non-presence of overdue and a gamma model for the amount of overdue in the case of overdue. We perform goodness of fit test for the two-stage model and select significant explanatory variables in each stage of the model. It turns out that age, the amount of credit loans from other financial companies, the amount of cash service from other companies, debit balance, the average amount of cash service, and net profit are important explanatory variables relevant to overdue credit card cash service in Korea.

• Journal of the Korean Society for Library and Information Science
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• v.58 no.3
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• pp.145-168
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• 2024

This study analyzed the current status of late fee policies for overdue books in public libraries in the United States and Korea and derived measures to improve the late fee policy in public libraries in Korea. Therefore, this study analyzed the current status of late fee policies in public libraries in Seoul, Korea. The results indicated that 14.8% of public library operators and 21.6% of public libraries in Seoul had late fee policies. In the US, the American Library Association and major public libraries were found to have recently eliminated late fees. The main justification for this policy change was their recognition of late fees as a form of social inequality. In fact, this study confirmed that the elimination of late fees led to users' increased access to information. This study also found that public libraries in the US turned books not returned after a certain period into lost items and imposed fines for lost items. In conclusion, this study suggested integrating measures for late fees and lost items to manage non-returned books and clarifying the legal basis for such measures.

• 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.

• 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.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.

• Korea Real Estate Review
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• v.28 no.3
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• pp.21-35
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• 2018

The recent performance of residential mortgages demonstrated how default risk operated separately from prepayment risk. In this study, we investigated the determinants of the borrowers' decisions pertaining to early termination through default from the mortgage performance data released by Freddie Mac, involving securitized mortgage loans from January 2011 to September 2013. We estimated a Cox-type, proportional hazard model with a single risk on fundamental factors associated with default options for individual mortgages. We proposed a mortgage default model that included two specifications of delinquency: one using a delinquency binary variable, while the other using a delinquency probability. We also compared the results obtained from two specifications with respect to goodness-of-fit proposed in the spirit of Vuong (1989) in both overlapping and nested models' cases. We found that a model with our proposed delinquency probability variable showed a statistically significant advantage compared to a benchmark model with delinquency dummy variables. We performed a default prediction power test based on the method proposed in Shumway (2001), and found a much stronger performance from the proposed model.

• The Korean Journal of Malacology
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• v.7 no.1
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• pp.30-48
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• 1991

한국해역 종합 해양자원도 작성연구(남해)의 일환으로 저서생물 분포 연구를 위한 조사가 1990년 7월과 8월에 남해에 위치한 83개 조사정점에서 수행되었다. 각 정점에서 van Veen그랩으로 3회씩 채집된 저서 생물 표본 가운데 연체동물만을 선별 그들의 분포 양상을 파악하고자 종 동정과 함께 군집구조 분석을 하였다. 조사에서 채집된 연체동물은 모두 679개로 다섯개 강에 102종으로 동정되었으며, 이매패류가 출현종수(84.3%)에서나 출현개체수(92.3%)에 있어서 절대우점하였다. 전체 연체동물군집에서 우점하는 일곱 종(이매패류 여섯 종, 무판류 한 종)이 전체 출현개체수의 61.0%를 차지하였다. 남해의 연체동물은 종은 다양한 반면에 서식밀도나 생물량은 매우 빈약하였다. 출현종의 서식 유무에 따른 유사도로써 집괴분석한 결과 다섯개의 조사정점군으로 나누어지고, 이 들은 특징적인 분포 특성을 갖는 두 정점군과 혼합된 특성을 나타내는 세정점군으로 대별되었다. 전자의 두 정점군은 Raetellops Pulchella와 Periploma otohimeae로 대표되는 황해의 저층냉수의 영향을 받는 세립퇴적물 군집과 뚜렷한 대표종은 없지만 대마난류의 영향을 받는 이질성의 조립퇴넉물 군집으로 정의할 수 있었다. 대마난류의 영향을 받는 정점군의 군집은 황해저층냉수의 정점군에 비해 종 다양도는 높지만, 서식생물량은 현저히 적었다. 아울러 연체동물의 분포와 남해의 퇴적환경이나 수괴의 조성과 변화를 고려하여 남해에 서식하는 저서생물 군집에 있어서 네 개의 분포구역이 있을 것으로 추정하여 그 범위와 경계를 제안한다.

• Korean Journal of Environmental Biology
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• v.24 no.1 s.61
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• pp.19-28
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• 2006

A survey was carried out two times at 11 localities on the marine molluscan fauna of Saemangeum during the periods from August 3rd to August 5th, and from August 23rd to August 25th 2003. The total number of molluscan species identified in this study was 88 species in 40 families, and among them 51 species in 34 families include Eurytrochus cognatus were new to the fauna of Saemangeum. In addition to the previously described 58 species in 31 families, a total of 109 species in 48 families of marine mollusca have been reported at Saemangeum up to date.

• The Korean Journal of Malacology
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• v.S1 no.1
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• pp.1-105
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• 1989

연체동물 우리말 사용에 따른 혼란을 해결하고, 한국산 연체동물 총목록 작성의 예비연구로써 이미 국내에 보고된 분류군의 우리말 이름을 수집, 조사하였다. 우리말 이름을 가진 종은 무판류 1종, 군부류 16종, 복족류(고둥류)500종, 이매패류(조개류) 226종, 굴족류 4종, 두족류 34종으로 모두 781종이었다. 그리고 우리말 이름의 어원과 조사결과 나타난 문제점을 제시하고, 우리말 이름의 통일 작업이나 제정에 필요한 원칙을 제언한다.