• International Area Studies Review
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• v.12 no.2
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• pp.27-53
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• 2008

This paper investigates factors determining the level of nontraditional activities at banks around the world. Specifically, the paper examines what kinds of firm-specific and country-specific characteristics determine the level of noninterest income using a comprehensive multi-country database. This paper focuses beyond the traditional U.S. based analyses and provides detailed asset-liability management practices of banks around the world.The findings suggest that banks' size and loan loss provision, explicit deposit insurance, banking restriction, banking freedom ranking of respective countries, the extent of state and foreign ownership, governance, and transparency of the country have positive effects on the level of nontraditional activities. Greater dependence on traditional lending and financing, market based economy, and multiple bank supervisory bodies in the country have negative associations with noninterest income. The economic development of country however affects the extent of the relationship.

• Journal of Arbitration Studies
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• v.31 no.1
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• pp.155-171
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• 2021

Recently, the e-business market has become a place of convergence where consumers and suppliers communicate with each other, and a new method of trading of funds has emerged in the process. Crowd-funding is one of the types of money transactions that have emerged in the online space, and its interest and trading volume have been growing rapidly recently. The platform in the online space using crowd-funding method operates in the form of online telecommunication sales, and it is in the form of producing and delivering products based on funds obtained from potential consumers by the operators involved in securing funds. However, if the participating business operators do not deliver the product or deliver the product other than the promoted product and avoid responsibility, the potential demander will not be compensated without mediation by the platform operating entity. In this study, despite the rapid growth in the market size of crowd-funding, consumers who participated in the funding are protected and able to resolve disputes in the event of a conflict amid growing complaints from potential consumers and side effects. The structure or method of crowd-funding is a new form of trading that has different features from conventional e-commerce. Therefore, the legal basis is not yet in place and the standards need to be laid out through various and sufficient discussions politically, legally, socially and culturally and economically. As the potential market and positive effects of crowd-funding around the world have been recognized, a role is required as an ecosystem for new financial transactions. And the potential market could be realized as a new industry if the right legal system and policy consultation were made.

• The Journal of the Korea Contents Association
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• v.19 no.8
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• pp.172-183
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• 2019

Modern society has a tendency to raise fewer children. As a result, parents became more interested in their children's creative ways of thinking and began to look for new ways of teaching. The child care support center expects a positive effect by lending various toys and books to improve the physical, emotional and social characteristics of children and to help reduce household burden on parents. In this paper, we design and implement a rental return system to effectively utilize a toy library operated by the child care support center. The proposed system makes it easy for any user to search for items in any branch operated by the Child Care Support Center and to manage loan return records. The administrator can manage data such as loans, returns, and past due from the rental return processing system, and effectively operate the child care support center through statistics of data generated. Children are expected to be given a variety of entertainment cultures and cultural benefits to their families to ease the burden of parenting.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.19 no.5
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• pp.229-238
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• 2019

Before the scholarship loan system was implemented at the Korea Scholarship Foundation, the government's role was strengthened by the direct lending of student funds to banks and other financial institutions. However, the low repayment performance of student loans has raised concerns over the future of student loans and the government's financial burden. Moreover, since student loans are repaid even after graduating from college to support low-income families, it is highly unlikely that the repayment rate of student loans will improve unless the employment rate and income level of the borrower improve. In this paper, the final visualization graph is presented of the repayment amount of the student loan through the collection, storage, processing and analysis phase in the Big Data-based system. This could be the basis for visually checking the amount of student loans to come up with various ways to reduce the burden on the current student loan system.

• 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.

• Journal of the Korean Society for Library and Information Science
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• v.56 no.1
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• pp.119-150
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• 2022

This study attempted to analyze the deposit stations in Japanese Colonial Era of Korea. To do this, this study reviewed the related literature such as articles, records, statistics, books and reports selected from databases, archives and libraries. The deposit stations were categorized by the colonial governmental bodies that included the central and local governments, by the non-governmental bodies that included the quasi-public organizations, the anti-Japanese organizations and the others and religious organizations and by the public libraries. These deposit stations were analyzed according to the time and purpose of establishment, the audience and area of the services, the ways of the services and the theme and quantities of the collections. Finally, the study could find that the deposit stations were widely adopted to supplement the lack of a library infrastructure by various administrative bodies and non-governmental bodies in Japanese Colonial Era of Korea.

• International conference on construction engineering and project management
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• 2009.05a
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• pp.272-275
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• 2009

Carbon finance is the investment in Greenhouse Gas (GHG) emission reduction projects in developing countries and countries with economies in transition within the framework of the Kyoto Protocol's Clean Development Mechanism (CDM) or Joint Implementation (JI) and with creation of financial instruments, i.e., carbon credits, which are tradable in carbon market. The additional revenue generated from carbon credits will increase the bankability of projects by reducing the risks of commercial lending or grant finance. Meantime, it has also demonstrated numerous opportunities for collaborating across sectors, and has served as a catalyst in bringing climate issues to bear in projects relating to rural electrification, renewable energy, energy efficiency, urban infrastructure, waste management, pollution abatement, forestry, and water resource management. Establishing additionality is essential for successful CDM project development. One of the key steps is the investment analysis. As guided by UNFCCC, financial indicators such as IRR, NPV, DSCR etc are most commonly used in both Option II & Option III. However, economic indicator such as Economic Internal Rate of Return(EIRR) are often overlooked in Option III even it might be more suitable for the project. This could be due to the difficulties in economic analysis. Although Asian Development Bank(ADB) has given guidelines in evaluating EIRR, there are still large amount of works have to be carried out in estimating the economic, financial, social and environmental benefits in the host country. This paper will present a case study of a CDM development of a 18 MW hydro power plant with carbon finance option in central Vietnam. The estimation of respective factors in EIRR, such as Willingness to Pay(WTP), shadow price etc, will be addressed with the adjustment to Vietnam local provincial factors. The significance of carbon finance to Vietnam renewable energy development will also be addressed.

• KIPS Transactions on Software and Data Engineering
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• v.12 no.8
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• pp.333-340
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• 2023

Efficient prediction of corporate bankruptcy is an important part of making appropriate lending decisions for financial institutions and reducing loan default rates. In many studies, classification models using artificial intelligence technology have been used. In the financial industry, even if the performance of the new predictive models is excellent, it should be accompanied by an intuitive explanation of the basis on which the result was determined. Recently, the US, EU, and South Korea have commonly presented the right to request explanations of algorithms, so transparency in the use of AI in the financial sector must be secured. In this paper, an artificial intelligence-based interpretable classification prediction model was proposed using corporate bankruptcy data that was open to the outside world. First, data preprocessing, 5-fold cross-validation, etc. were performed, and classification performance was compared through optimization of 10 supervised learning classification models such as logistic regression, SVM, XGBoost, and LightGBM. As a result, LightGBM was confirmed as the best performance model, and SHAP, an explainable artificial intelligence technique, was applied to provide a post-explanation of the bankruptcy prediction process.

• Journal of the Korea Society of Computer and Information
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• v.14 no.2
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• pp.1-8
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• 2009

Today the use of RFID is extended in medical. circulation market, manufacture, security field, etc. Besides, the book-lending and the attendance management system are on an increasing trend in the use of RFID The developed dormitory management system is composed of a support program, a room management program, a manager program, and a mobile program etc.. In the support program a student(or a manager) can see his(or all member's) entrance and exit history. The room management program decides whether a student can enter the dormitory or not and manages the use of the power after or inquiring a RFID's input tag information into database server. The manager program is able to input and modify a room state and the fixtures information in the room required to operate the room management program, to set up and retrieve a student's entrance and exit information and a room state information. The mobile program enables a manager to check student's identity whether he is in or out, and the manager can know the personal information of being out in detail.

• Journal of the Korea Society of Computer and Information
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• v.14 no.10
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• pp.111-121
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• 2009

Public Information Documental of the administrative, legislative and judicial etc. is lastingness documental and need administration. Whenever the crime event happens, judicature's documental is lent frequently to reference data and is returned, event posting of documental, hysteresis inquiry, lending/return, conservation search, documental exhaust management must consist for administration of lastingness documental. RFID is utilized by the practical use plan of recent Ubiquitous information. Because attaching tag to lastingness documental that use RFID in this treatise, register and manage documental, and chase hysteresis, and design upkeep, present condition analysis of lastingness documental to search, S/W, H/W, network layout, Ubiquitous RFID lastingness recording administration system. Construct lastingness recording administration system after a performance experiment and a chase experiment that is applied in spot that attach 900MHz important duty's RFID tag. After construction practice, create link sex with connection system, security analysis and Forensic data and analyze improvement effect. Is going to contribute Ubiquitous information technology application and Forensic technology development in country documental administration through. research of this treatise.