• The Journal of the Convergence on Culture Technology
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• v.5 no.4
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• pp.277-282
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• 2019

This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.

• Journal of Digital Convergence
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• v.19 no.5
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• pp.175-186
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• 2021

The roles and functions of domestic public libraries are diversifying, but various problems have emerged due to internally biased book lending. In addition, due to the 4th Industrial Revolution, public libraries have introduced a book recommendation system focusing on popular books, but the variety of books that users can access is limited. Therefore, in this study, the public library unborrowed book recommendation system was implemented limiting its spatial scope to Duryu Library in Daegu City to enhance the satisfaction of public library users, by using the loan records data (213,093 cases), user information (35,561 people), etc. and utilizing methods like cluster analysis, topic modeling, content-based filtering recommendation algorithm, and conducted a survey on actual users' satisfaction to present the possibility and implications of the unborrowed book recommendation system. As a result of the analysis, the majority of users responded with high satisfaction, and was able to find the satisfaction was relatively high in the class classified by specific gender, age, occupation, and usual reading. Through the results of this study, it is expected that some problems such as biased book lending and reduced operational efficiency of public libraries can be improved, and limitations of the study was also presented.

• Journal of the Korean Data Analysis Society
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• v.20 no.6
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• pp.3037-3048
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• 2018

This study tried to test the result of recent study reporting that there is no the effect of cross-subsidization by applying it to the Korean banks. Besides, the study also did the research to test the previous study that diversification toward non-interest operating sector is related with the motivation of reduction of bank risk. Main results are as follows. First, there is the effect of cross-subsidization between non-interest operating sector and interest one. The higher non-interest profit to total asset is, the lower loan growth and provision to total loan are. Second, the effect of cross-subsidization is related with the fee revenue to operating revenue rather than the fiduciary revenue to operating revenue because high fee revenue results in shrinking the lending business. Third, diversification toward non-interest sector is associated with reducing risk, and risk is not increased when the high performance of non-interest sector is occurred. This evidence is not line with DeYoung, Torna (2013) arguing that non-interest operating activities lead to increasing risk. Finally, Korean banks have to expand the activities in non-interesting sector focusing on boosting fee revenue to increase the effect of cross-subsidization against the possibility of cutting net interest margin.

• Journal of the Korean Society for information Management
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• v.39 no.3
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• pp.1-22
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• 2022

The purpose of this study is to propose a book recommendation system that can be used in school libraries. The book recommendation system applies an algorithm based on association rules using DLS lending data and is designed to provide personalized book recommendation services to school library users. For this purpose, association rules based on the Apriori algorithm and betweenness centrality analysis were applied and detailed functions such as descriptive statistics, generation of association rules, student-centered recommendation, and book-centered recommendation were materialized. Subsequently, opinions on the use of the book recommendation system were investigated through in-depth interviews with teacher librarians. As a result of the investigation, opinions on the necessity and difficulty of book recommendation, student responses, differences from existing recommendation methods, utilization methods, and improvements were confirmed and based on this, the following discussions were proposed. First, it is necessary to provide long-term lending data to understand the characteristics of each school. Second, it is necessary to discuss the data integration plan by region or school characteristics. Third, It is necessary to establish a book recommendation system provided by the Comprehensive Support System for Reading Education. Based on the contents proposed in this study, it is expected that various discussions will be made on the application of a personalization recommendation system that can be used in the school library in the future.

• Economic Analysis
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• v.27 no.3
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• pp.1-32
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• 2021

This study empirically analyzes whether bank capital channel and risk-taking channel for monetary policy work for domestic banks in South Korea by analyzing the impact of the expansionary monetary policy on the rate spread between deposit and loan, capital ratio, and loan amount. For the empirical analysis, the Uhlig (2005)'s sign-restricted SVAR(Structural Vector Auto-Regression) model is used. The empirical results are as follows: the bank's interest rate margin increases, the capital ratio improves, risk-weighted asset ratio increases, and the amount of loans increases in response to expansionary monetary shock. This empirical results confirm that bank capital channel and risk-taking channel work in domestic banks, similar to the previous research results. The implications of this study are as follows. Although the expansionary monetary policy has the effect of improving the bank's financial soundness and profitability in the short term as bank capital channel works, it could negatively affect the soundness of banks by encouraging banks to pursue risk in the long run as risk-taking channel works. It is necessary to note that the capital ratio according to the BIS minimum capital requirement of individual banks may cause an illusion in supervising the soundness of the bank. So, the bank's aggressive lending expansion may lead to an inherent weakness in the event of a crisis. Since the financial authority may have an illusion about the bank's financial soundness if the low interest rate persists, the authority needs to be actively interested in stress tests and concentration risk management in the pillar 2 of the BIS capital accord. In addition, since system risk may increase, it is necessary to conduct regular stress tests or preemptive monitoring of assets concentration risk.

• Journal of the Korean Society for Library and Information Science
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• v.32 no.2
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• pp.143-167
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• 1998

This study is to evaluate whether economies of scale exist in four categories of university libraries in the Korea. Regression analysis is used to fit a log-log equation to the total budget-output (total circulation, interlibrary lending and borrowing, reference transactions, hours opened, volumes added, automation and information indicator) for all the types of libraries. In results of the analysis, returns to scale are almost constant in the national and public libraries and larger libraries. But there is presence of economics of scale in private libraries and all of the libraries. Except for hours opened, economies of scale decrease more rapidly.

• Journal of Families and Better Life
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• v.13 no.4
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• pp.115-124
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• 1995

The purpose of this study was to accept its contents as lessons for today and to search for the correct way to lead home economy of the future by way of retranslating home economic view in literatures and documents of Cho-sun Dynasty(1392-1910) Through studying Cho-sun's literatures and documents: 「Ne-hun」 by the queen So He 「Kyou-dyoung-yo-ram」by Lee Whang 「Kyung-mong-yo-kul」by Lee Yul 「Song-ho-sa-sul」by Lee IK 「Sa-so-jol」by Lee Duk Moo「Buk-hak-ee」 by Park Je Ka 「Mok-min-sim-su」 by Jung Yak Yong. The results of this study can be summarized as follows : 1. The view of income: 1) Cut down on the too much greed of property (property income) 2) Work hard with diligence(earned income). 2. The view of expense : 1) Get food clothing and housing with frugality 2) Spend money for home rites and reception of guests with manner and truth without extravagnace. 3. The view of buying and selling: Buy and sell with credit. 4. The view of borrowing and lending: Borrow and lend money honestly,. 5. The view of home book-keeping : Keep home book-keeping every day. 6. The view of economic preparation : Save for a rainy day wisely.

• Journal of the Korean Society for information Management
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• v.19 no.2
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• pp.181-201
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• 2002

As Information Technology has developed, digital library has an opportunity to change the paradigm of role of library to adjust in digital environment. Digital library has promote information services with digitization of materials. In library fare use is allowed to the public for information services. However, digital copy and transmission is simple in digital environment, to balance between owner and user is not easy but important things. Therefor, current copyright act is revised to adjust these environment but the act restrict the users'accessing digital library through interned, not complied with the motive of revision. Moreover, proposed act which is proposed to facilitate digital library services also extremely limits information services. In this monograph, I will review the copyright act related library and seek for the improved means.

• Journal of the Ergonomics Society of Korea
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• v.31 no.1
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• pp.77-83
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• 2012

Objective: The aim of this paper is to introduce a method that can measure and analyze the judgment gaps between service providers and customers. Background: It is important to understand the good service that service providers and customers are thinking. If there is judgment gap between service providers and customers, it would cause an unsatisfactory service. The judgment gap should be thoroughly investigated for a good service design. Method: Lens model is a human decision making model that was proposed by Brunswick(1952). This study indicates whether the Lens model can be applied to analyze judgment gaps between service providers and customers. As a case study, a library lending service was selected. 5 librarians and 15 customers participated in the experiment that investigates their judgments on a good service. The obtained data were analyzed by a modified lens model. Results: Cue weighting policies of consumers and service providers were similar, except that consumers gave higher weight on tangibility than service providers. Service providers and consumers had a good knowledge on the service quality, but they could not well apply the knowledge to judge it. Conclusion: The lens model may be used to analyze judgment gaps between service providers and consumers in the other service areas. The decision cues that were used in this study can be changed, depending on the characteristics of the target service. Application: The method that is proposed in this study may help to investigate and analyze both consumers' and service providers' judgments on a variety of services.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.465-474
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• 2020

This study investigates how financial resources and entrepreneurial orientation (EO) may influence the performance of small- and medium-sized enterprises (SMEs) in the United Arab Emirates (UAE). Twenty-seven interviews were conducted and evaluated using the method of GABEK® (A GAnzheitliche BEwältigung von Komplexität - holistic processing of complexity). The research demonstrated that access to financial resources has significantly mediated EO's effect on the SMEs' performance. The study found that financial autonomy, enhanced through both personal financing and availability of external finance sources, plays a central role in supporting the EO dimension of autonomy and enhancing the SMEs' performance. In particular, the other EO dimension of risk-taking is stymied by lack of funds with which to take commercial and market opportunities. However, when an innovation strategy is pursued and adopted, access to finance can be facilitated, either through financial institutions or through other governmental funding programs attracting high potential innovators. Furthermore, financial barriers, difficulties accessing bank financing, and legal issues have a detrimental impact on SMEs' growth. The study has implications for policy-makers in the UAE, specifically in terms of sending a signal for lending institutions to consider strategies that provide access to affordable financial services to satisfy SMEs' needs.