• International Commerce and Information Review
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• v.7 no.3
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• pp.247-268
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• 2005

In this study, I analysed the influence of the Korean Officially Supported Export Credit System upon Improvement upon Korean Export, investigated Korean Officially Supported Export Credit System focussing on the Short-term Export Loan System & Medium and Long-term Export Loan System in Korea Eximbank and sought for the measures overcoming problems therewith. In my research I started from a basic model analyzing Short-term Export Loan & Medium and Long-term Export Loan using added several variables that have effect on export such export relative price, world income and the amount of post-shipment credit bank guarantee. As a result, amount of Short-term Export Loan & Medium and Long-term Export Loan, world income and export relative price showed expected responses and Short-term Export Loan was significant. In case of amount of Short-term Export Loan System was statistical significance.

• Asia-Pacific Journal of Business
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• v.11 no.3
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• Journal of the Korea Convergence Society
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• v.10 no.4
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• pp.183-188
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• 2019

This study analyzes whether Income Contingent Loan achieves the policy goal of reducing the burden on higher education expenses with the emphasis on the repayment structure of the loan system and suggest ways to improve the incumbent policy. The study found that the voluntary repayment amount of the loan is much higher than the mandatory repayment amount. Therefore, various policy improvement measures are needed to activate the original purpose of the loan. We proposes improvements to the repayment, such as diversification of the repayment base rate, introduction of the loan integration, and analysis of loan default probability. In addition, this study has policy and academic implications in that it has suggested policy improvement measures by analyzing various overseas cases.

• Proceedings of the Korean Institute of Building Construction Conference
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• 2019.11a
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• pp.182-183
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• 2019

The amount of multi-aged housing more than 15 years since the completion has increased, and the real estate market caused by apartment remodeling has also increased. The domestic mortgage loan regulation on relocation expense caused by remodeling apply to same limit as that for mortgage loan newly-built apartment. The excessive government housing regulation could be an obstacle for the occupants residential stability of remodeling apartment. To suggest methods for government housing regulation of residential mortgage loan related to remodeling, examples for mortgage loan regulation and mortgage products were studied and compared. It is pointed out that regulation on occupants relocation expense caused by remodeling has to be relaxed and mortgage product development are needed to boost remodeling project.

• KIEAE Journal
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• v.10 no.5
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• pp.171-179
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• 2010

Korea owns vast amount of apartment houses no less than those of world prominent countries, but did not pay enough efforts to maintain existing apartment houses and develop policies to reuse them due to growth driven policy of housing supply like construction of new houses. Korea constructed tremendous amount of houses in short period through government led forced house supplying policy, and resulted in excess houses such that present house supply rate happened to be reaching 110%. However, recently there are growing demand of change in housing policy due to social environmental changes like low birth rate and aging of society etc and nationals' demand for improvement of residential quality. When such social changes are demanded and 80% of apartment houses in Korea are less than 20 years old, renovations and remodeling of apartment houses are anticipated to emerge as important matter. In particular, the apartment houses in Seoul and the 1st generation new cities like Bundang and Ilsan etc have passed considerable period of time after construction and require safety measure, it is quite impending to loan programs for the maintenance of existing apartment houses. The objective of this study is to compare and analyze the system of loan programs about apartment houses of Japan, and then to propose to accelerate loan programs about maintenance for apartment houses in korea.

• Journal of Biosystems Engineering
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• v.31 no.3 s.116
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• pp.194-202
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• 2006

Using a multi-variable linear regression technique and SUR(seemingly unrelated regression) model, the demand functions of tractor, combine and rice transplanter were estimated. The demand was regarded as an annual supply of each machine and modeled as a function of 11 independent variables which reflect the actual farmer's income, actual prices of farm machines, previous supply, previous stock, actual amount of available subsidy, actual amount of available loan, arable land, import of farm machines and rice price. The actual amount of available loan affects most significantly the demand functions. The actual farmer's income, actual farmer's asset, loan coverage, and rice price affect the demand positively while prices of farm machines and import negatively. The annual demands of tractor, combine and rice transplanter estimated using the demand functions were also presented over the next 4 years.

• Journal of the Korea Society of Computer and Information
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• v.16 no.7
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• pp.183-190
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• 2011

Loan amount of housing mortgage is composed of various factors. This study paper studies focuses on estimating the determinants of a loan amount of housing mortgage. The region for analysis consist of seven groups, that is, metropolitan city (such as Busan, Daegu, Incheon, Gwangiu, Daejeon, Ulsan.) and Seoul. Analyzing period be formed over a 45 time points(2007. 01.~ 2010. 09). In this paper the dependent variable setting up loan amount of housing mortgage, explanatory(independent) variables are composed of the consumer price index, unemployment rate, average monthly household income per household, expenditure rate of health care, composite stock price index and overdue rate of household loans for commercial bank. In looking at the factors which determine loan amount of housing mortgage, evidence was produced supporting the hypothesis that there is a significant positive relationship between the consumer price index and unemployment rate. The study also produced evidence supporting the view that there is a significant negative relationship between expenditure rate of health care. The study found that average monthly household income per household, expenditure, composite stock price index and overdue rate of household loans for commercial bank were not significant variables. The implications of these findings are discussed for further research.

• KDI Journal of Economic Policy
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• v.37 no.3
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• pp.55-74
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• 2015

This study examines the effect of a one-on-one outsourced pre-lending consulting service on the repayment behavior of microcredit borrowers in Korea with administrative data from the Smile Microcredit Bank. A random change in the cut-off loan amount for mandatory consulting is utilized as an identification strategy. This three-day pre-lending business consulting service is effective in encouraging repayment behavior of existing businesses but it has no significant effect on start-up loans. The effectiveness of the consulting service in deterring delinquency with regard to existing loans is greater among male borrowers than among females.

• The Journal of the Korea Contents Association
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• v.8 no.7
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• pp.208-215
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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 present some directions for the improvement of efficiency by the analysis to public loan system using funds of other government organization and to the current status of loan system of sports promotion fund. The result of this study are as follows. First, we propose enlargement of loan size and range. Second, it is necessary to use mortgages loan to technology in case of sporting goods industry and sport service industry. Third, we suggest the mitigation of loan disproportion and flexible application among loam amount of sport industry areas. Fourth, we suggest the construction of loan practical committee. Finally we propose the establishment of selection criteria to firms and ex-post evaluation system related with loan system of sports promotion fund.

• The Journal of the Korea Contents Association
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• v.16 no.4
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• pp.691-704
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• 2016

This study aims to analyze the current situation of Independent loan fund business for disabled for independent and living stabilization of low-income disabled and presented a plan to support effectively. Methods were reanalyzed to obtain the data inside the Ministry of Health and Welfare and conducted a expert survey. The results of this study were First, The budget was 8.1 billion won and target households was 800, but the used budget was about 5.6 billion won(executive rate was 69.3%) and beneficiaries was 384 families. Second, the loan condition was gurantee is 58.5%, pawn is 23.3%, ungurantee is 18.2%. And, the loan type was occupation is 60.0%, car purchase is 35.3%, medical expenses is 2.6% and so on. In addition, 1,735 people apply for a loan fund but 904 people received a loan fund. So, loan rate was 52.1%. Third, business retention rate was 74.7% and close rate was 25.3%. Fourth, expert opinion was government support necessary for the in low-income disabled in social and economic situation of Korea. This study suggested that the loan purpose, loan amount, loan condition, simplified course were needed to consider when establishing policy for low-incone disabled.