• Land and Housing Review
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• v.5 no.4
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• pp.259-269
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• 2014

After global financial crisis, the ratio of household debt to GDP was decreasing in other advanced countries such as the U.S., and the U.K. and so on. But, in Korea, household debt (of which residential mortgage loan account for a large part) ratio is still increasing. This paper focuses on the scale and characteristics of households in negative housing equity (those are called House-poors in Korea), and also the socio-economic backgrounds of the formation process. In financial perspective, the problem of negative housing equity depends on financial debt repayment capability. We used DSR (Debt Service Ratio) and LTA (Loan to Asset ratio) as financial indicators to evaluate the debt repayment capability. The critical value of DSR is assumed as 40%, and LTA 100%. The socio-economic backgrounds of the House-poors are as follows : increasing households debt dependency, over lending competition of financial institutions and unreasonable loan in household economy, instability of real estate market, week regulation on mortgage loan. Finally, this paper suggests some implications about the range and the target of public intervention.

• Science of Emotion and Sensibility
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• v.14 no.1
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• pp.7-16
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• 2011

This is a study on operation system's application method for leading-in public bike operation system through researching on case study at home and abroad, and situation research in Naju city. In the 1st research, studied about the main problems showed at application cases of public bike system at domestic and overseas, such as using time, danger for be stolen and damaged. 2nd research focuses on necessarily of leading-in operation system to be used easily by city residents and travelers of Naju City which is the scheduled city for leading-in public bike system. 3rd research is on the basis of the result showed in 1st and 2nd research, supplied some problems' solving method for France Veblib System, such as lending and rental process using mobile, system operation process, communication process. Also, supplied the application method for problems showed at 1st and 2nd research and civil service proposal. The leading-in method study on public bike operation system was done through above research, also case study at home and abroad, situation study, and rental program module development, and this operation system is worked as an model operation system in Naju City. The future study of leading-in operation system will be more effective by means of summing up test running result.

• Journal of the Economic Geographical Society of Korea
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• v.8 no.2
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• pp.247-266
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• 2005

The purpose of this paper is to analyse the effects of a firm's financial and non-financial factors on the relationship formation with its main bank in the industry of parts and material in Pusan-Kyungnam region. The results, out of accordance with the relation-banking or regional financial market perspective, do not support the hypothesis that regional financial institutions would be useful for decreasing the financial difficulties of the small and medium firms in the region. The analyses about the effects of non-financial factors on the formation of main bank relations show that while Kookmin Bank and Industrial Bank play important roles as main banks of small businesses other national banks put emphasis on the transaction lending. And the analyses about the effects of financial factors show that firms having main bank relations with non-bank financial institutions and Kookmin bank are more profitable and stable than firms having main bank relations with other banks including local banks. On the whole it seems that local banks are not making a commitment to the regional economy and their operational grounds are not strong enough.

• Korean Journal of Construction Engineering and Management
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• v.11 no.1
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• pp.101-112
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• 2010

The Korean real estate market currently is experiencing a slowdown due to the global economic crisis which has resulted from subprime mortgage lending practices. In response, the Korean government has enforced various policies, based on intend to deregulate real estate speculation, such as increasing the Loan to value ratio (LTV) in order to stimulate housing supply, demand and accompanying housing transactions. However, these policies have appeared to result in deep confusion in the Korean housing market. Furthermore, analyses for housing market forecasting particularly those which examine the impact of the international financial crisis on the Korean real estate market have been partial and fragmentary. Therefore, a comprehensive and systematical approach is required to analyze the real estate financial market and the causal nexus between market determining factors. Thus, with an integrated perspective and applying a system dynamics methodology, this paper proposes Korean Real Estate and Mortgage Market dynamics models based on the fundamental principles of housing markets, which are determined by supply and demand. As well, the potential effects of the Korean government's deregulation policies are considered by focusing on the main factor of these policies: the mortgage loan.

• The Journal of the Convergence on Culture Technology
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• v.4 no.1
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• pp.193-200
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• 2018

This study is an experiential case study of cybercrime fraud that combines pharming and voice phishing in April 2017. Research on victims who have actually suffered in the study of crime or disaster is a very useful field in establishing crime prevention measures. This study is significant in that Korea is relatively poor in this kind of research. I got cyber fraud as a consequence of my loss of reasonable judgment due to mental confusion when a companion dog who was raised for 8 years was in a very dangerous situation with cystitis. Fortunately, I received all the damages in a quick report, but the period was eight months. It took too much time to get back all the damages, so I had to suffer another pain. Based on my experience, I suggest damage prevention measures. First, when a certain condition and a certain amount are transferred, the transaction is automatically stopped or a more strict confirmation procedure is added. Secondly, trafficking means to arrest the perpetrator without any harm to the victim is sought. Third, the victims of crime should be promptly reimbursed for damages or a system for lending their living funds to zero or lower interest rate.

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.26 no.3
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• pp.101-128
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• 2015

The purpose of this study was to investigate the temporary librarians' employment status that have been placed in over 80% of the school libraries and deduce the issues of their job status for proposing some solutions to improve their job performance. To achieve the above research purposed in this study, the related literature was reviewed and analyzed and an interview was conducted with the librarians in the Chungbuk province and a survey was distributed in the same province. As a result, first, a high correlation was found between the total satisfaction and the factors as follows; 'working satisfaction', 'employment conditions', 'working environment', 'interpersonal relations' etc. In the difference verification based on the satisfaction in accordance with the employment status, a difference of satisfaction was found between the pre and post analyses of the unlimited contractions. Second, the most overall review of the temporary librarians' job performances in relation to the 'reading and lending performances was conducted, regardless of the librarian certification. Third, the temporary librarians working at the school libraries responded that 'the manpower developer' was the most difficult consideration in relation to their employment statuses. And, asked about the solutions for the improvement of their job conditions, most of the librarians wanted their job security.

• Journal of the Korean Society for Library and Information Science
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• v.13
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• pp.39-71
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• 1986

Interlibrary loan has been a very common library service in the developed countries but it is yet to be actualized formerly in Korea. As Korea is moving toward an information society where all the individual user's request in the library should be met, we need to understand, in detail, the theory and practice of interlibrary loan service. As various information technology has been applied to the libraries, the libraries became the open system. Thus, the libraries become more cooperative, form networks, and make interlibrary loan service available. This study is based on the following three hypothesis formulated from the systems theory. 1. If libraries cooperate each other and form some kind of networks by mail, computers or telecommunications, they become the open system. 2. If a library develops as the open system, interlibrary loan becomes available in the library. 3. If the interlibrary loan system works, the role of the librarians will be changed. The research was carried out by analyzing the various studies about interlibrary loan service and by examining the interlibrary loan systerns presently working in the U.S.. The conclusions are reached deductively from the data. Some of the terminology used are defined as follows: System: a network of interrelated procedures that are joined together to perform an activity or to accomplish a specific objective. It is, in effect, all the ingredient which make up the whole. Cooperation: Working together to benefit participant libraries. Network: a much more structured type of cooperation in which definite regions or areas are connected by electronic or other means to promote interlibrary loaning of materials, in-service traing & other sharing of resources. Interlibrary loan: the lending of books between libraries. The model of cooperation or networks was used to be (1) a star type, (2) a hieranchical type, (3) a distributed type or (4) the combination of aforementioned three. However, the development of the telecommunications and computers enables all kinds of libraires cooperate together. Interlibrary loan service starts with the needs of user's information. The information have to be logically accessed through bibliographies, computers, electronic mails and satellite communications. And the logical access requires the information technology and the libraries become cooperative. The physical access to the information follows next but only traditional method of mail and some commercial service are currently available for this purpose. Therefore, researches are needed to develop this physical access. If the libraries form networks, the microaspect of library changes accordingly as the macroaspect changes. If the libraries . cooperate to become one large world library, the librarians plan, organize, control library operations and report the results. And the librarians work inside and outside of the library to cooperate with other libraries. Only the cooperation of the libraries will enhance interlibrary loan and the Korean librarians have to be prepared to accept the new role of librarianship for the interlibrary loan service.

• Journal of Information Management
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• v.43 no.1
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• pp.63-87
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• 2012

This study aims to analyse the actual condition of the ebook services and propose the improvements of ebook services for children in the Korean public library. For this purpose, the current condition of the ebook services in the public libraries were analyzed and categorized by three criteria. Secondly, the ebook use analysis was conducted using PCs and mobile devices in terms of access to ebook library site, searching method, contents type and viewer, lending process, and user help. As a result of the analysis, several issues such as the difficulty in access to ebook site, the complexity of setting and usage depending on the file format, the insufficient user guide, the relatively lower quality service than the commercial's, and the lack of retrieval functions specialized for the ebook were presented. The improvement plan for the ebook services, especially for children in the public library was suggested.

• Journal of Information Management
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• v.40 no.3
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• pp.125-150
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• 2009

This study aims to investigate current situation and improvement method of correctional facility libraries in Korea. Thus this study made the following suggestions to improve the operation of correctional facility library and to facilitate its growth so that the inmates' basic right to know and access information could be guaranteed: First, there should institutional and legal grounds for the establishment and operation of correctional facility library such as standards, guidelines, and enactments; second, the government should provide enough budgets for human and material resources so that a prison library can equip itself with materials, facilities, and staff to run smoothly; third, the inmates' free access to the library service should be guaranteed in an open space; fourth, the library should introduce an automation system for lending, returning, and handling materials; fifth, a collaboration system with external resources should be set up to make effective use of lacking resources; sixth, programs should be researched and developed to analyze the size and composition of the inmates, the needs of the inmates, and available service; and finally, there should be staff with the qualification of a librarian to be responsible for the operation and management of a correctional facility library and to offer specialized library service to the inmates.

• Korea Real Estate Review
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• v.24 no.1
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• pp.105-120
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• 2014

This research is to examine the impacts of the on-going global financial crisis on the housing systems of welfare states. Four developed economies in the Western Europe were selected for the analysis, and the qualitative research employed in-depth interviews with scholars in the fields of housing market and social policy in order to meet the research goal. The major findings indicate that the global economic crisis embedded into the liberalization of housing finance and the inadequacy of regulatory measures caused the vicissitude of housing markets, and its scale and magnitude could be determined by the resilience of each state's housing system. While the globalization of housing finance markets rendered easy borrowing for homeownership, intensive competition for excessive lending among financial institutions backed by heavy reliance on inter-bank and overall bank triggered market volatility, and further worsened household and public debts. It's clearly evident that a housing system with varied safety nets becomes a greater cushion to bear the risks of the financial crisis and to weather the economic storm.