• The Journal of Information Systems
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• v.25 no.2
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• pp.79-110
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• 2016

Purpose Online Peer-to-peer lending (hereafter P2P lending), is a new method of lending money to unrelated individuals through an online financial intermediary. Usually in the online P2P transaction, individuals who would like to borrow money (hereafter borrowers) and those who would like to lend money (hereafter lenders) have no previous relationship. Based on enormous previous studies, this study develops an integrated model, particularly for the online P2P lending environment in China, to better understand the critical factors that influence lenders' intention to lend money through the online P2P lending platform. Design/methodology/approach In order to verify the hypotheses, we develop a questionnaire with 42 survey items. We measured all the items on a five-point Likert-type scale. We use Sojump.com to collect questionnaire and gather 246 valid responses from registered members of Renrendai.com. We analyzed the main survey data by using SPSS 18.0 and AMOS 20.0. We first estimated the reliability, validity, composite reliability and AVE and then conduct common method bias test. The mediating role of trust in platform and in borrower has been tested. Last we tested the hypotheses through the structural model. Findings The results reveal that service quality, information quality, structural assurance, awareness and reputation significantly impact lenders' trust in the online P2P lending platform. Second, awareness, reputation and perceived risk significantly impact lenders' trust in borrower and lending intention. Third, trust propensity has a positive effect on lenders' trust on borrower. Last, awareness, reputation, perceived risk, platform trust and borrower trust can directly impact lenders' lending intention.

• Journal of the Korean Data and Information Science Society
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• v.24 no.3
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• pp.411-425
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• 2013

The importance and necessity of the credit loan are increasing over time. Also, it is a natural consequence that the increase of the risk for borrower increases the risk of non-performing loan. Thus, we need to predict accurately in order to prevent the loss of a credit loan company. Our final goal is to build reliable and accurate prediction model, so we proceed the following steps: At first, we can get an appropriate sample by using several resampling methods. Second, we can consider variety models and tools to fit our resampling data. Finally, in order to find the best model for our real data, various models were compared and assessed.

• Journal of the Korean Society for Library and Information Science
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• v.55 no.3
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• pp.131-154
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• 2021

This study is to in-depth analysis of the copyright issues related to the library's e-book service, which is the cause of the recent conflict between the publishing industry and the library industry. To this end, the purpose and outline of the copyright system were briefly summarized. Then, the jurisprudence of the Copyright Act applied to the borrowing of paper books and e-books was analyzed, and the position of the publisher's association and the library industry were reviewed together. In addition, problems of the current copyright act related to e-book services were diagnosed and directions for improvement were sought. Unlike in the case of paper books, first sale doctrine does not apply to e-book borrowing, so the library cannot acquire the right to service just by purchasing e-books. Based on the contract signed with the distributor in the process of purchasing the e-book, the library acquires the right to service the e-book. However, if the validity period of the exclusive publication right expires, the contract itself becomes invalid, which can cause serious problems in the stability of library services and preservation of resources. In order to solve this problem, it is suggested that the first sale doctrine needs to be extended to digital works.

• Proceedings of the Korean Information Science Society Conference
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• 2011.06a
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• pp.251-254
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• 2011

본 논문에서는 도서관 정보시스템에서 보다 개인화된 추천 서비스를 제공하기 위하여, 사용자 기반 협업 필터링의 희소성 문제를 해결하기 위한 방안을 제시한다. 이를 위하여 아이템을 메타데이터 속성인 주제분류번호를 이용하여 동일 주제의 자료끼리 군집화하고 주제군집에 대한 선호도 점수를 추출하여 이를 사용자 유사도 계산에 사용하였다. 실험을 위하여 실제 연세대학교 도서관에서 동양서를 대출한 35,238명의 총 659,792건 대출/반납건수 데이터를 사용하였으며, 제안된 방법의 성능을 평가하기 위하여 기존의 사용자 기반 협업 필터링과 비교한 결과, 정확도에서는 큰 차이가 없었으나 Coverage가 크게 향상되었음을 확인하였다.

• Proceedings of the Korean Operations and Management Science Society Conference
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• 2003.05a
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• pp.913-922
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• 2003

최근 디지털 기술의 발전은 금융산업에 커다란 변화를 가져왔다. 디지털 기술의 도입으로 다양한 금융상품이 출현하게 되었고, 업무 프로세스의 개선을 가져왔으며, 금융기관을 이용하는 고객의 채널을 다양화시켰다. 본 연구는 우선 온라인 금융에 있어 계좌이체, 온라인 대출과 같은 기본적인 기능과 계좌통합, 자산관리 등의 새로운 기능을 분류하고, 각 기능을 이용하는 고객들이 어떠한 서비스품질의 자원을 중요하게 고려하는지를 살펴보고자 하였다. 따라서. 온라인 금융을 기본적인 관점과 서비스 품질 관점의 두 가지 범주로 나누어 고객만족도 상승에 영향을 미치는 요인을 단계적으로 파악해 내는데 주안점을 두었다. 본 연구의 자료는 금융기관에서 온라인 금융서비스를 제공할 때 중요한 기능 서비스품질을 효과적으로 도출해 내는데 기초자료가 될 것으로 기대된다.

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.9 no.1
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• pp.153-179
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• 1998

This study attempt to suggest a policy for the effect of using in the public libraries by the verification that are different between groups by their using patterns and types of book collections. by using patterns and system of desired-book for user. by using patterns and system of desired-book for user. The questionnaire is distributed to the delivery lending library's user and librarian in public libraries. The summary of results are as follows 1 The Circulation period of public library is one month per every delivery lending library. 2. The Circulation volume of public library is '100-200' books per every times. 3. There are significant differences by their using patterns and types of book collections. 4. There are significant differences by their using patterns and system of desired-book for user. 5. There are significant differences by their using patterns and placement of book collections. Their results show that library is most effective place of book collection services. 6. Circulation services must carry out only in the sphere of jurisdiction 7. A Lost books must set up treatment basis of natural reduction ratio 8. The Interference factors of delivery lending library are lacks of human power, lost books and negative attitute of user in order 9. The Effects of using a delivery lending library are a positive attitute and specialty of top management, the optimum of budget and the effect of deposit system 10. Natural reduction ratio of lost books appropriates 0.5-0.6% of total loaned books

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.12 no.1
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• pp.43-64
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• 2001

The purpose of this study was to measure performance of university libraries, especially investigating the components of service quality and their relationship to the customer satisfaction. The result of the statistical analyses is summarized as follows： The result of 5 point scale study shows the following degree of satisfaction in 55 components： timeliness of circulation, processing of fine. location of library, usefulness of retrieval system, library user education, speed of retrieval. number of terminals, and cleaning. On the other hand, shows the following degree of dissatisfaction in 55 components： speed of civil petitions, hour for program use, result of civil petitions, fixing of library user education, speed of retrieval, method of public relation, waiting time for Internet use, and use of the other library materials. Also. customers’matters of weight and importance was availability. learning facilities, suitable collections, circulation, and system of retrieval.

• Journal of Korean Library and Information Science Society
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• v.39 no.2
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• pp.355-373
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• 2008

The purpose of this study is to find out user's information needs in public libraries based on websites. The data were collected from the user's plaza in public libraries websites. To identify the user's information needs, the works in the public libraries including acquisition, information services, circulation, digital library, reading room, reference services were analyzed.

• Journal of the Korean Society for Library and Information Science
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• v.57 no.3
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• pp.119-141
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• 2023

The COVID-19 pandemic has significantly changed the landscape of knowledge and information services that public libraries around the world have been providing since modern times. In particular, as social distancing has become routine, the contraction of cultural activities and the shift to online platforms have negatively impacted library visitation and use services, greatly reducing borrowing and reading, use of spaces and facilities, interlibrary loan services, program operations, and outreach services. Therefore, this study investigated and analyzed the current status of services provided by public libraries in Korea and abroad in response to COVID-19, and proposed practical ways to improve and expand services in response to COVID-19 based on the results of a survey of librarians' perceptions. Specifically, these include improving the online reservation system for reading and borrowing services and developing and providing various outreach services, acquiring and expanding electronic resources, expanding online program services (reading, culture, lifelong learning, etc.), strengthening library services for vulnerable populations, providing information portal services related to new infectious diseases, strengthening facilities and space provision services, preparing infectious disease response guidelines, and providing education and training to strengthen librarians' capabilities.

• Proceedings of the Korean Society for Information Management Conference
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• 2015.08a
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• pp.87-91
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• 2015

스마트폰이 보편화되고 스마트폰으로 정보를 습득하고자 하는 요구가 증가함에 따라 모바일로 서비스를 제공하는 대학도서관도 증가하고 있다. 모바일 서비스를 제공하는 대학도서관이 증가하면서 모바일 서비스로 제공되는 콘텐츠에 대한 고려가 필요할 것으로 보인다. 따라서 본 연구에서는 모바일 서비스를 제공하는 대학도서관 2곳을 선정하여, 대학생들이 모바일 서비스를 이용하는 데 영향을 미치는 요인은 무엇인가 알아보고 모바일 서비스의 이용도에 따라 상 중 하 집단으로 나누어 각 집단이 선호하는 콘텐츠의 차이를 알아보았다. 그 결과 대학생의 학년과 모바일 서비스에 대해 인지된 유용성, 유비쿼터스 접속성이 모바일 서비스 이용도에 영향을 미치는 것으로 나타났으며, '자료 검색', '시설 예약', '대출사항 조회' 등의 콘텐츠들이 자주 이용되며 이용자 집단 간의 차이는 대학별로 다르게 나타났다.