• 제목/요약/키워드: Borrowing

검색결과 320건 처리시간 0.024초

국공립대학도서관 상호대차의 양적 규모에 영향을 미치는 요인 (A Study on Factors Affecting the Quantitative Size of Interlibrary Loan Service in National & Public University Libraries of Korea)

  • 손정표
    • 한국도서관정보학회지
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    • 제39권1호
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    • pp.119-138
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    • 2008
  • 이 연구는 4년제 국공립대학도서관을 대상으로 1992$\sim$2006년까지 이루어진 상호대차의 양적 규모와 관련요소 간의 상관 및 미치는 영향력의 정도와 양적 규모의 영향요인을 구명한 것이다. 이 연구의 결과는 다음과 같다. 대학도서관의 상호대차 관련 요소들은 상호대차의 접수 및 의뢰건수에 공히 정(+)의 방향으로 대부분 높은 상관관계를 유지하고 있고, 단순회귀분석 결과 유의적인 영향을 미치고 있으며, 이들의 설명력도 대체로 높게 나타났다. 그리고 이를 바탕으로 추출한 양적 규모의 영향요인으로는 중다회귀분석 결과 접수건수는 '대학원 학생수', 의뢰건수는 '대출책수'와 '학부학생수'로 나타났다.

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주식투자형 채무불이행자의 차용의도에 대한 심리적 변인의 영향 (Psychological Factors Associated with the Borrowing Intention of Stock Investment Defaulters)

  • 김미라;황덕순;홍은실
    • 가정과삶의질연구
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    • 제32권3호
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    • pp.65-84
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    • 2014
  • This study was performed to explore the factors that affect the debt-reuse intention of defaulters. The focus of this study is on defaulters who used debt for stock investment. Debt-usage differences were considered since they had different psychological backgrounds. A total of 712 self-administered questionnaires (stock=131 and no-stock=581) were analyzed using SPSS. The major findings were as follows : First, the level of perceived behavioral control was the highest and the level of attitudes toward using debt was the lowest among the psychological factors in both groups. Second, perceived behavioral control was different according to age and income. No such significant association was found in attitudes toward using debt, subjective norms and behavioral intention in the stock group. Third, behavioral intention was explained by attitudes toward using debt and subjective norms in the stock group. However, in the no-stock group, behavioral intention was explained by attitudes toward using debt, subjective norms and perceived behavioral control. These findings have important pragmatical meaning in that they show the determinants of debt reuse by stock investment defaulters.

Factors Influencing Family Business Decision for Borrowing Credit from Commercial Banks: Evidence in Tra Vinh Province, Viet Nam

  • NGUYEN, Ha Hong;LIEN, Trinh To
    • The Journal of Asian Finance, Economics and Business
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    • 제6권2호
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    • pp.119-122
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    • 2019
  • The study aims to investigate factors influencing business households' decision for borrowing credit: the case of commercial banks in Tra Vinh Province, VietNam. The study was conducted by collecting data from 300 business households traded at four commercial banks in Tra Vinh province (Viet Nam bank for agriculture and rural development, Tra Vinh Branch; Viet Nam jointstock commercial bank industry and trade, Tra Vinh Branch; Asia joinstock commercial bank, Tra Vinh Branch; Viet Nam jointstock commercial bank for foreign trade, Tra Vinh Branch). By the use of the Binary Logistic regression method, the research found out that the factors influencing to borrow c redit of household business's decision including: banks brand names, loan interest rates, service attitude, and loan procedures. Of those, the banks brand names and lending interest rates have the strongest impacts on borrow credit decision of business households at commerc ials banks in Tra Vinh province. Since then, the study has proposed solutions to improve access to credit of business households in commercial banks in Tra Vinh province in the coming time, such as: developing a bank brand; the development of flexible lending interest rate policies; improve service style of bank staff; at the same time, simplifying lending procedures.

상향링크 셀룰러 시스템에서 그룹 탐색 기반의 분산동적채널할당 방법 (A Group Search-based Distributed Dynamic Channel Allocation Algorithm in Uplink Cellular System)

  • 유도경;김동회
    • 방송공학회논문지
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    • 제15권3호
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    • pp.407-413
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    • 2010
  • 주파수 재사용률 1을 사용하는 상향링크 셀룰러 시스템의 동적채널할당 (DCA : Dynamic Channel Allocation) 방법에서는 신규호가 채널 할당을 요구할 때 신규호의 SINR (Signal to Interference and Noise Ratio)이 요구된 SINR 보다 작거나 할당할 채널이 부족한 경우에 신규호 차단이 발생한다. 이러한 차단된 신규호에 대한 추가적인 채널할당을 위하여 인접한 셀에서 채널을 가져오게 된다. 이 경우에 동일 채널 간섭 (CCI: Co-Channel Interference)이 발생하게 되고 이로 인해 기존 호의 SINR이 저하되어 기존 호에 대한 채널 재할당을 해야 하는 경우가 생기게 된다. 따라서 신규호 블록율이 증가할수록 인접한 셀에서 채널을 가져오는 경우의 수를 증가시킴으로써 채널 재할당 과정은 복잡한 연산과정이 필요한 NP-hard 문제가 된다. 그 문제를 해결하기 위하여 본 논문에서는 차단된 신규호를 감소시킴으로써 추가적인 채널할당을 위하여 인접한 셀에서 채널을 가져오는 횟수를 감소시키고 그 결과로 채널 재할당 횟수가 감소되어 복잡한 연산과정을 피할 수 있는 Group Search-based DCA 방법을 제안한다. 제안한 방법은 신규호의 차단율을 감소시키기 위하여 신규호에 대한 채널할당시 단말이 속해 있는 셀뿐만 아니라 그 주변의 셀까지를 한 그룹으로 묶어서 채널 탐색 범위를 확장하는 방법을 사용한다. 시뮬레이션 결과에서 제안한 Group Search-based DCA가 탐색 범위를 단말이 속한 셀로 한정하는 Single Search-based DCA보다 신규호 차단률과 시스템 수율 성능을 향상시킴을 확인할 수 있었다.

도시가정의 재정적 사건, 대천전략 및 경제생활만족도 (Financial Events Coping Strategies and Family Financial Satisfaction of Urban Households)

  • 임정빈
    • 가정과삶의질연구
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    • 제14권4호
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    • pp.175-190
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    • 1996
  • The purpose of this study was to investigate the relationships of resource financial events coping strategies and family financial satisfaction. The data were collected from 499 housewives in Seoul. The major findings: 1. The financial events were categorized into 6 factors. The factors were named as related to 'Family' 'Health' 'Money' 'Car & durables' 'Job', 'Housing'. Among these events respondents who had exprienced housing-related event reported the highest level of financial stress. 2. The coping strategies were categorized into 4 factors: 'Delaying payment' 'Borrowing' 'Economical purchasing' 'Using Worth' The most frequently used 'Economic purchasing' strategy. 3. Various coping strategies were differently used depending on financial events. For example the housewives used 'Economical purchasing' strategy to cope with family-related events and used 'Borrowing' strategy to housing-related events. Housewives who had less income and less net-worth used ' Economic purchasi g' strategy. 4. Job-related events were negatively effect to family financial satisfaction but car & durables-related event were positively effect to family financial satisfaction. Housewive who the more income and the less age had the high satisfaction. 'Delaying payment' and 'Economical purchasing' strategies were negatively related to family financial satisfaction.

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Bayes tests of independence for contingency tables from small areas

  • Jo, Aejung;Kim, Dal Ho
    • Journal of the Korean Data and Information Science Society
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    • 제28권1호
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    • pp.207-215
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    • 2017
  • In this paper we study pooling effects in Bayesian testing procedures of independence for contingency tables from small areas. In small area estimation setup, we typically use a hierarchical Bayesian model for borrowing strength across small areas. This techniques of borrowing strength in small area estimation is used to construct a Bayes test of independence for contingency tables from small areas. In specific, we consider the methods of direct or indirect pooling in multinomial models through Dirichlet priors. We use the Bayes factor (or equivalently the ratio of the marginal likelihoods) to construct the Bayes test, and the marginal density is obtained by integrating the joint density function over all parameters. The Bayes test is computed by performing a Monte Carlo integration based on the method proposed by Nandram and Kim (2002).

Fuzzy Logic Based Neural Network Models for Load Balancing in Wireless Networks

  • Wang, Yao-Tien;Hung, Kuo-Ming
    • Journal of Communications and Networks
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    • 제10권1호
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    • pp.38-43
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    • 2008
  • In this paper, adaptive channel borrowing approach fuzzy neural networks for load balancing (ACB-FNN) is presented to maximized the number of served calls and the depending on asymmetries traffic load problem. In a wireless network, the call's arrival rate, the call duration and the communication overhead between the base station and the mobile switch center are vague and uncertain. A new load balancing algorithm with cell involved negotiation is also presented in this paper. The ACB-FNN exhibits better learning abilities, optimization abilities, robustness, and fault-tolerant capability thus yielding better performance compared with other algorithms. It aims to efficiently satisfy their diverse quality-of-service (QoS) requirements. The results show that our algorithm has lower blocking rate, lower dropping rate, less update overhead, and shorter channel acquisition delay than previous methods.

An Exploratory Study of Immoral Consumer Behavior: Apparel Retail Salespeople's Perspectives

  • Lee, Mi-Young
    • 패션비즈니스
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    • 제13권3호
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    • pp.62-76
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    • 2009
  • The purpose of this study is to identify apparel consumers' immoral shopping behaviors from apparel retail sales associates' perspectives. As a first step to understand immoral consumer behaviors in apparel retail setting, the study took an exploratory approach using five focus-group interviews with 35 apparel salespeople. The immoral behavior of fashion (product) consumers was divided into two categories: one was the immoral behavior associated with the product, and the other was the immoral behavior relative to the consumer. The immoral behavior associated with the product was classified into three types: shoplifting, inappropriate returns, and damaging to merchandise. Immoral behavior relative to the consumer was classified into two types: abusive behavior by a consumer toward sales associates and excessive demand. Although, shoplifting was the primary immoral behavior mentioned by all interview participants, most sales associates failed to recognize shoplifting as a serious criminal behavior. Another commonly mentioned immoral consumer behaviors was retail borrowing, which may pose serious problems to the fashion industry. The findings of this study will provide a basis for approaches that may help decrease immoral consumer behavior at fashion retail stores and provide a basis for developing materials for consumer education over the long term.

국내 배출권거래제도 개선 방안: 관련 법령을 중심으로 (Study on the Improvement of the Korean Emission Trading System)

  • 홍원경
    • 한국기후변화학회지
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    • 제7권2호
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    • pp.121-135
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    • 2016
  • Korean Emission Trading Scheme entered into force on 1 January 2015. As other Emission Trading Systems, Korean Emission Trading System also have some deficiencies to be complemented and improved. Thus, the issues that are related to legal characteristics of emission allowance and its status as a financial instrument, terminology, requisites for the designation of the business entities eligible for allocation, banking and borrowing, and the non-permanence problems in the forestry offset mechanism are reviewed and the directions of the improvement are presented. The review of the Korean Emission Trading Scheme and its relevant act and the presidential decree at its early stage may be helpful for the Korean ETS to be firmly settled and to operate properly.