• The Journal of Asian Finance, Economics and Business
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• v.1 no.4
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• pp.5-13
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• 2014

This study contributes to addressing the problem of an aging population by providing important information that determines feasible monthly payments for the clients of Chinese reverse mortgage products and by promoting the implementation of reverse mortgages in China. The variables used in this study include mean values obtained from time series data, of the rate of increase of housing prices, and the probability value, interest rate, and mortality rate obtained through the geometric Brownian motion (GBM). For mortality rates, China Life Insurance female mortality rates (2000-2003) were used. This study aims to apply the main variables that affect reverse mortgage products in a monthly payment model based on Chinese financial market conditions, and determine loan values. In this study, Shanghai's reverse mortgage monthly payments, by age levels, were calculated through the loan-to-value (LTV) and payment (PMT) methods to evaluate the value of the reverse mortgages. Based on the optimal combination of the three factors of payment amount, loan interest rates, and the level of acceptance of prices, efforts must be made to extract the best value for the elderly. Only in this way can the interests of both lenders and borrowers be protected, by increasing the market share and economies of scale of the reverse mortgage industry and effectively improving the living standards of the elderly.

• Proceedings of the Korea Contents Association Conference
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• 2008.05a
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• pp.258-261
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• 2008

Sport industry creates value-added by production and distribution of product or service related with sports or sports. Because this industry shows promise in becoming a major industry area, the government is making an effort to bring up or develop it. The financing to firms of sport industry area(sporting goods industry, sport facility industry, sport service industry) with low interest rate and long-term repayment period on the basis of sports promotion fund is excellent scheme to promote sport industry. Nevertheless, Because many people indicate operational inefficiency of it, it is necessary to check operational efficiency through investigation for loan system of sports promotion fund. The purposes of this paper are to analyze public loan system using funds of other government organization and to the current status of loan system of sports promotion fund.

• Journal of Korea Society of Digital Industry and Information Management
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• v.4 no.3
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• pp.55-67
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• 2008

The user has to subscribe to the library so that user use the library service. User has to register at that in order to use of the nearby another library. Moreover, service such as the inter-library loan and returning my loan book to other library in which the mutual cooperation between the library is needed necessity. But it services due to the constraint condition because of the administrative or technical problems. In this paper excludes the administrative element. The web service model is forming the cluster based on the mutual cooperation between the technologically adjacent public library and provides the technologically necessary single sign-on (SSO) in order to support the additional service. The single sign-on of the library which is concluded by this model using the security information exchange standard (Security Assertion Markup Language : SAML), it is processed by XML base. In using this model, the loan information is confirmed in the attribution in return service library and the model can utilize for the return of loan book in other library. It designs the single sign-on about it.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.2
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• pp.373-385
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• 2021

The objective of the study is to empirically investigate the impact of bank capital on the lending behavior of Vietnamese commercial banks from 2007 to 2019. Lending behavior is captured by two dimensions, including the quantity (loan growth) and quality (credit risk) of loans. Instead of investigating loan growth and credit risk separately, we combine these two aspects in our study and further develop the interaction term between capital buffers and credit risk to capture the asymmetric impact. We apply the dynamic model (regressed by the generalized method of moments) and the static models (regressed using the fixed effects, random effects, and the pooled regression approach) to perform regressions. The results show that banks with higher capital ratios tend to expand lending more, while the risk of credit portfolios is controlled at lower levels at these banks. Further analysis reveals that credit risk mitigates some aspects of the relationship between bank capital and loan expansion. The patterns remain robust across alternative measures and econometric techniques. The study provides insightful policy implications for bank managers and regulators in the process of upgrading capital resources to ensure the safety and soundness of the banking industry in an emerging country.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.5
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• pp.171-176
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• 2022

The article analyzes the impact of psychological factors on the level of loans used by investors in Vietnam's real estate market. Individual investors in the Vietnamese real estate industry were surveyed using a questionnaire. A total of 320 questionnaires were collected for the survey. The author finalized 314 questionnaires after deleting those that were invalid due to too many blank cells. SPSS 25 was used to conduct quantitative research. According to the findings, Excessive Optimism (EO) is the factor that has the highest impact on the level of loan used by investors in the Vietnamese real estate market, and this relationship is positive. With an influence level of 0.261 and 0.130, the elements of herd psychology and overconfidence also have a beneficial impact on the degree of loan used by investors in Vietnam's real estate market. Fear of loss is a factor that has a negative relationship with the level of loan utilization by investors in the Vietnamese real estate market, although, with a beta coefficient of 0.134, the degree of influence is not significant. Studies on psychological aspects and human behavior in general, and investors in particular, can help investors avoid falling into these psychological traps.

• The Journal of Fisheries Business Administration
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• v.39 no.1
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• pp.43-61
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• 2008

Excessive public loan with low interest and other tax benefits have been provided for fishermen, but much of them turned out to be little performed. There were the moral hazards of Suhyup in the process of executing the public loans. As the government gave the reimbursement on the financial loss of Suhyup resulting from the public loans, Suhyup had no responsibility of the bad debt loss. Therefore, Suhyup gave little efforts to reduce the non-performing. The government perceived this problem and tried to reduce the under-performing loans. Thus, the government decided to take limited responsibilities. Suhyup made the progress to reduce the under-performing public loans. Suhyup dealt with these situation and made the credit evaluation model of the fisherman's public loan. This paper is for the credit evaluation model in the fisherman's public loan, which explains the model development methodology and the model characteristics in detail. This evaluation model is composed of two sub-component model. the one is the quantitative model and the other is the qualitative model. The quantitative sub-model is for the identification of fishermen financial status and is based on the financial transaction information. Its development methodology is the CSS modeling for the consumer market. The qualitative sub-model is for the evaluation the business prospect and is based on the business information such as fisherman's management skills, technology, equipment. Its development methodology is the AHP. It provides the detailed information in the model development methodology, which is the ideal example such as the public loan. In addition it gives the information to the interest parties such as policy makers, suhyup and fishermen.

• Journal of the Korean Society for Library and Information Science
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• v.50 no.3
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• pp.429-453
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• 2016

This study analyzes circulation patterns of books with checkout transaction count by 11 subject areas, 5 positions, and 5 divisions with a Use Factor developed by Bonn in an Academic Library. 20% of the loan books occupies more than half of circulation and these are regarded as core collection. It proposes a 'Loan books 20/50 rule' that 20% core collection accounts for 50% of its circulation. It analyzes the proportion of core collection from the aspect of each subject area with a use factor, monthly change trend and loan period. It also defines 'book usage' considering checkout frequency of each title and loan period. Circulation patterns of core collection are compared and analyzed in terms of both checkout frequency and book usage. Core collection occupies about more than half of both total checkout transactions and total book usages and they all show a Power Law distribution.

• Journal of the Korean Data and Information Science Society
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• v.24 no.3
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• pp.411-425
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• 2013

The importance and necessity of the credit loan are increasing over time. Also, it is a natural consequence that the increase of the risk for borrower increases the risk of non-performing loan. Thus, we need to predict accurately in order to prevent the loss of a credit loan company. Our final goal is to build reliable and accurate prediction model, so we proceed the following steps: At first, we can get an appropriate sample by using several resampling methods. Second, we can consider variety models and tools to fit our resampling data. Finally, in order to find the best model for our real data, various models were compared and assessed.

• The Journal of the Korea Contents Association
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• v.15 no.6
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• pp.411-420
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• 2015

With the rapid increase in the price of house lease, a unique housing form in Korea, a serious social issue has been raised as to the use value of house lease and residence stability of the ordinary people. This study thus aimed to analyze the direct factors that affect lease guaranteed loan and market volatility in order to explore the right direction of financial policy to reduce housing burdens. To this end, the direct variables affecting house lease guaranteed loan, including lease price, transaction price and lending rate, were defined. Vector Error Correction Model (VECM), a time series analysis, was employed to dynamically explain the data. Based on the house lease prices and bank data on loans between January 2010 and December 2014, it was found that the increase in lease price was the direct result of the increase in lease guaranteed loan, not that of the decrease in lending rate or increase in housing transaction price.

• Journal of the Korean Society for information Management
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• v.18 no.2
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• pp.165-186
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• 2001

The purpose of this study is to explore practical methods of interlibrary loan system, linked with information retrieval system. The process and current status of interlibrary loan was investigated and analyzed at medical libraries in this study. In order to find the way of utilizing data from information retrieval and document request at the same time, the author tries to develop a way of linking PubMed, Union Catalog and ILL system. This study shows that hit record of information retrieval was saved in type of MEDLINE, XMLJSGML and reused for document delivery services. It seems to be efficient that the maintenance of Union Catalog was managed by all of member libraries, and data were retrieved at server and client side at once. In addition, it was found that user information can be checked by the IP and ILL system can be used for requested document by the saved result.