• Title/Summary/Keyword: Lending

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The Global Financial Crisis and Its Impacts on the Housing Systems of Western European Welfare States (세계경제위기에 따른 서유럽 복지국가의 주택시스템 변화 분석)

  • Lee, Hyunjeong;Lee, Jongkwon
    • 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.

A Study on the Utilization of Librarian Recommendation System and Bestseller List (사서추천제도와 베스트셀러 목록의 활용성에 관한 연구)

  • Nam, Young Joon
    • Journal of the Korean Society for information Management
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    • v.38 no.3
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    • pp.311-334
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    • 2021
  • The purpose of this study is to present the theoretical basis and quantified objective standards for the establishment of collection management policy. The study results are summarized as follows. Most of the study books were in the form of periodicals as a steady seller. Most of the steady sellers were textbooks which published periodically. As a modern novel, a steady seller was able to confirm the phenomenon of dependence on a specific author. Bestsellers were investigated to be influenced by publishers and authors. Books of publishers that publish comics and children's textbooks had a significant correlation with the selection of bestsellers. The average number of recommended books borrowed per recommended book was 14,871. The average number of loans per book selected as a bestseller was 53,531. Based on the loan data, about 80-82% of all top-tier loans were covered by 90%, and about 27-29% of all top-ranked loans were covered by 50%. This shows that the Pareto Principle can be firmly applied to public library lending patterns. Loans in the field of literature accounted for 50.6% of the total loans. Among literature, Korean literature accounted for 51.3% of the total. The natural sciences were generating more loans with a relatively small pool of literature compared to other subject fields.

An Importance Analysis of Coworking Space Organization and Operating Components (코워킹 스페이스의 구성과 운영요소에 대한 중요도 분석)

  • Bae, Chul Hee;Kim, Jung Youp;Lee, Hyun Seok
    • Korea Real Estate Review
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    • v.28 no.4
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    • pp.23-35
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    • 2018
  • The shared-office business started with the lending of office spaces such as meeting rooms. From this came the coworking space, which maximizes the collaboration among the residents and promotes synergy among them. The purpose of this study was to analyze the characteristics of the coworking space. In addition, this study derived the factors that are considered important among the hardware- and software-level operating components, and presented the priorities according to the importance through a questionnaire survey and analysis for the employees currently utilizing a coworking space. For the results of the analysis, the top elements in the survey were found to be "spatial composition," "membership management," coworking management," and "architectural elements." In addition, when the general items were analyzed according to their characteristics, it was found that there was a difference in priority level among the elements of each characteristic. These results are expected to be useful when designing coworking spaces in the future. The results of this study can be used as the basic data for solving the problems of small companies and the environment, among others. Furthermore, the results of this study can be utilized as the basic data for the development of a collective shared community through linking at the local or national level, rather than being limited to a single space.

A Study on Activation Plan of the Perception Survey Foundation for Specialized Library Librarian (특화도서관 사서의 인식조사 기반 활성화 방안 연구)

  • Noh, Younghee;Shin, Youngji;Kwak, Woojung
    • Journal of the Korean BIBLIA Society for library and Information Science
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    • v.29 no.4
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    • pp.91-111
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    • 2018
  • This study was carried out on specialized library librarians to investigate the status and overall satisfaction of specialized services and to compare the degree of importance and satisfaction of specialized subject data, specialized service places, specialization programs, specialized subject area facilities and environment based on ISA technique in order to derive problems and improvement measures for the operation of specialized libraries. As results, first, it was found that a specialized library subject should be selected based on the characteristics, history, and resources of the library location as well as based on the demand survey of the local residents and users. Second, based on the appropriate program type of specialized subject and the results from users' demand surveys, specialized libraries should develop different types of experience-type, lecture-type, view-type and the likes. Third, specialized library space types can be divided into integrated type, independent-in-integration type, and independent type. Even though it is most ideal to provide independently specialized space, the space must be constructed considering the circumstances and subject of specialization of each library. Fourth, specialized libraries should have at least one dedicated specialist in the corresponding subject. Dedicated specialists should provide lending and reference services related to the specialization such as tidying, browsing, reading and operating specialized programs. And a dedicated specialist must be an expert in the specialized subject and also a librarian who is responsible of the general library operation.

A Study on User Behavior of University Library Website based Big Data: Focusing on the Library of C University (빅데이터 기반 대학도서관 웹사이트 이용행태에 관한 연구: C대학교 도서관을 중심으로)

  • Lee, Sun Woo;Chang, Woo Kwon
    • Journal of the Korean Society for information Management
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    • v.36 no.3
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    • pp.149-174
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    • 2019
  • This study analyzes the actual use data of the websites of university libraries, analyzes the users' usage behavior, and proposes improvement measures for the websites. The study analyzed users' traffic and analyzed their usage behavior from January 2018 to December 2018 on the C University website. The website's analysis tool used 'Google Analytics'. The web traffic variables were analyzed in five categories: user general characteristics, user environment analysis, visit analysis, inflow analysis, site analysis, and site analysis based on the metrics of sessions, users, page views, pages per session, average session time, and bounce rate. As a result, 1) In the analysis results of general characteristics of users, there was some access to the website not only in Korea but also in China. 2) In the user experience analysis, the main browser type appeared as Internet Explorer. The next place was Chrome, with a bounce rate of Safari, third and fourth, double that of the Explore or Chrome. In terms of screen resolution, 1920x1080 resolution accounted for the largest percentage, with access in a variety of other environments. 3) Direct inflow was the highest in the inflow media analysis. 4) The site analysis showed the most page views out of 4,534,084 pages, followed by the main page, followed by the lending/extension/history/booking page, the academic DB page, and the collection page.

The Home Ownership, Public Expenditure and Change of Home Ownership Rate (복지국가의 주택소유와 공공지출, 주택소유율의 변동)

  • Eun, Min-su
    • 한국사회정책
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    • v.24 no.4
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    • pp.3-29
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    • 2017
  • The study checked whether the trade-off relationship between the home ownerhip and welfare by Kemeny and Castles was still valid in four welfare regimes, and analysed the factors of change and stability on rate of home ownership between social democratic states and southern european states. Based on the results of the study, the relationship between housing ownership and public expenditure was confirmed only in the liberal welfare regime and in the conservative welfare regime, as evidenced by the 2014 data collection. Second, social democratic states have dramatically increased housing mortgage loans and showed signs of housing commodification but southern european states have showed pre commodification of housing, maintained comparatively whole home ownership and low mortgage loans. Third, social democratic states has resulted in a rise in housing demand and housing prices, through reduced new housing and social rented housing construction, home owenership friendly taxation and generous lending policies, but southern european states have maintained a stable housing demand and housing prices thanks to the rich housing stocks, extended family, self provision and self promotion by close relatives, and intergenerational inheritance and transfers of housing. Although sequence of the equity ownership and welfare are still unclear, it is not a rational alternatives to induce housing ownership through large mortgage loans.

A Survey and Study on Operator's Awareness for a Suggestion of Policy for Revitalization of Small Libraries in Gwangmyeong City (광명시 작은도서관 활성화 정책 제안을 위한 운영자 인식조사 연구)

  • Choi, Man-Ho;Noh, Younghee;Kim, Yoon-Jeong
    • Journal of the Korean Society for information Management
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    • v.38 no.1
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    • pp.1-23
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    • 2021
  • Small libraries have continued to be extended since 2013 enactment of regulations requiring establishment of small libraries in multi family housing complex not less than 500 households and the 'Living SOC Project' of national government. Gwangmyeong city designated the year of 2020 as the 'year of citizen autonomy' sharing the authority with citizens and publicly announced its plan to rapidly extend the living and cultural spaces as a part of that extension. Likewise, as the social environment and the need of users are expected to change, it seems that the small libraries in Gyangmyeong City must prepare a plan for practicing a long and mid term practices in responding to that change. Thus, this Study tries to make a suggestion for a plan for the policy for revitalization of small libraries in order to handle those changing social environment and the need of users. For this, a survey and in-depth group interview were conducted for the operators of the small libraries in Gyangmyeong City. As a result of this Study, the following policies are suggested: first, improvement of support system for improving operational system, strengthening of cooperative system of public libraries, and strengthening of role of public small libraries, strengthening of public characters of private small libraties and differentiated support through evaluation based on abilities; and second, it is necessary for utilization of circulating librarians and professional volunteers, sharing of materials through mutual lending of books, associate librarians having term of office and revitalization of small library conference by regions.

Domain Knowledge Incorporated Counterfactual Example-Based Explanation for Bankruptcy Prediction Model (부도예측모형에서 도메인 지식을 통합한 반사실적 예시 기반 설명력 증진 방법)

  • Cho, Soo Hyun;Shin, Kyung-shik
    • Journal of Intelligence and Information Systems
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    • v.28 no.2
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    • pp.307-332
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    • 2022
  • One of the most intensively conducted research areas in business application study is a bankruptcy prediction model, a representative classification problem related to loan lending, investment decision making, and profitability to financial institutions. Many research demonstrated outstanding performance for bankruptcy prediction models using artificial intelligence techniques. However, since most machine learning algorithms are "black-box," AI has been identified as a prominent research topic for providing users with an explanation. Although there are many different approaches for explanations, this study focuses on explaining a bankruptcy prediction model using a counterfactual example. Users can obtain desired output from the model by using a counterfactual-based explanation, which provides an alternative case. This study introduces a counterfactual generation technique based on a genetic algorithm (GA) that leverages both domain knowledge (i.e., causal feasibility) and feature importance from a black-box model along with other critical counterfactual variables, including proximity, distribution, and sparsity. The proposed method was evaluated quantitatively and qualitatively to measure the quality and the validity.

Cognitive Individual Differences and L2 Learners' Processing of Korean Subject-Object Relative Clauses (인지능력의 개별차와 한국어 학습자의 주격-목적격 관계절 프로세싱)

  • Goo, Jaemyung
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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    • v.8 no.6
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    • pp.493-503
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    • 2018
  • The present study is a conceptual replication of O'Grady, Lee, and Choo's (2003) earlier study designed to investigate two hypotheses (linear distance hypothesis vs. structural distance hypothesis) in relation to L2 Korean learners' processing of Korean subject and object relative clauses (RCs) in a scholarly attempt to explicate Keenan and Comrie's (1977) Noun Phrase Accessibility Hierarchy (NPAH). In addition, the current study is intended to explore any potential role of working memory capacity (WMC) in the processing of Korean subject and/or object RCs. Chinese-speaking learners of Korean taking a language course offered at a local university in Korea participated in this experimental study. Among those recruited, only 23 learners completed the experimental tasks appropriately according to the specific instructions provided on each task, and thus, subsequent statistical analyses were conducted on their data. Fifteen Korean NSs were also recruited for the control group. Two experimental tasks were administerd to the participants: one picture selection task containing the same test items used in O'Grady et al.'s study to measure their processing of subject-object RCs and an operation span (OSPAN) task to measure their WMC. Somewhat differently from O'Grady et al.'s findings, the participating Chinese learners of Korean performed significantly better on object RCs than on subject RCs, seemingly lending support to the linear distance hypothesis. Further analyses, however, suggested that the results in favor of, or relative ease of processing, object relative clauses were due, most likely, to the learners' excessive use of the canonical sentence strategy, which also led to nonsignificant correlations between WMC and learner performance on the picture selection task.

A Study on Management and Improvement of P University Libraries with Viewpoint of Five Laws of Library Science: Focused on the first law and the fifth law (도서관학 5법칙으로 본 P대학도서관 운영과 개선방안)

  • Sun-Gu Jeon;Yong-Jae Lee
    • Journal of Korean Library and Information Science Society
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    • v.54 no.3
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    • pp.57-80
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    • 2023
  • The purpose of this study is to examine the current status of university library operation through the five laws of library science and suggest ways to improve it. To this end, the operation status of four national and public university libraries was analyzed with the scope of the study as the Busan area. Furthermore, for an in-depth investigation, the P University library in Busan was examined as a case. The operation status of national and public university libraries in the Busan region was analyzed by dividing them into the categories of university library collection materials, facilities, staff, material purchase costs, and users from 2018 to 2022. In particular, there was a decrease in users and a shortage of librarians due to COVID-19. In the case study, the operation status of P University library was investigated focusing on the first and fifth laws of Ranganathan's five laws of library science. In the first law, the study was conducted on the aspects of access to and use of the collection, library location, usage time and book lending, and staff. In the fifth law, the investigation was divided into service improvement aspects according to changes in digital technology of P University library and library environment improvement aspects according to changes in user characteristics. As a result of the study, 'establishment of library space composition strategy', 'establishment of blue ocean strategy', and 'expansion of recruitment and deployment of librarians' were suggested as improvement plans.