• 대한가정학회지
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• 제36권11호
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• pp.219-230
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• 1998

The purpose of this study was to understand credit card uses and debt burden of the multiple credit card holders. Data were obtained from 428 housewives living in Seoul. OLS regression analysis was used for examining factors affecting credit card uses and debt burden for the multiple credit card holders. The findings could be summarized as follows. First, among the three types of credit cards-bank card, retail card, and professional card, the multiple credit card holders tended to have more bank cards than retail and professional cards. Second, holding of the professional card was positively associated with both the frequency and the amount of credit card use per month. Third, the household income, age, employment status, and motive were important factors in predicting their attitudes toward credit card. Forth, the level of education, employment status, holding of the professional card, motive, amount of credit card use, and attitude toward credit card had singificant effects on their perceived debt burden.

• 디지털산업정보학회논문지
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• 제8권3호
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• pp.147-156
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• 2012

Most people in our society use credit card instead of cash or check, so credit card is very important economic method. Credit card supposed to be safe, but hackers hack credit card for illegal deal. Also hackers make fake credit card and issue fake credit card to other people. In this thesis it will study and analyze damage case for safe credit card deal. It will use safe credit card system to insert variety of information and data of using pattern in artificial intelligence network, so print out the possibility of risk and monitor the risk of credit card user's deal pattern, so if one of user's pattern is different than normal pattern, it will pop up message in consultant's screen. This thesis will study and suggest way of prevent from illegal deal and user friendly credit card checking system.

• The Journal of Asian Finance, Economics and Business
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• 제6권3호
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• pp.55-65
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• 2019

The purpose of this study is to discover the interaction between credit growth and operational self-sustainability and to examine factors that affect credit growth and operational self-sustainability of people's credit funds (PCFs). Credit growth and operational self-sustainability are factors affecting the operations and the goals of people's credit funds (PCFs) in the Mekong Delta region of Vietnam. After regression analysis on a set of panel data from 2013 to 2018 of 24 PCFs, it appears that deposit growth and loan-to-deposit ratio have positive relationships with credit growth, while capital adequacy ratio and operational self-sustainability have negative relationships with credit growth of PCFs; capital adequacy ratio, deposit growth and income have positive relationships with operational self-sustainability, while credit growth and non-performing loan ratio have negative relationships with the operational self-sustainability of PCFs. At the same time, credit growth and operational self-sustainability have a relationship to interact with each other in a contrary trend. The results of this research are accurate according to the characteristics and development history of PCFs in the Mekong Delta region of Vietnam from 2013-2018. This study helps researchers and managers to understand the key determinants for better management of PCFs.

• 무역상무연구
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• 제46권
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• pp.159-177
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• 2010

This work intends to study some problems in relation to the issuance of letters of credit. Those problems are the delay of issuing letters of credit, the reissuing letters of credit, and the issuing letters of credit in the third party's name. Sellers and buyers must keep in mind that the supply of letter of credit by buyer is the condition precedent for a seller's shipment obligation. A seller has no obligation to ship the goods until he receives the letter of credit by buyer's bank, issuing bank. An issuing bank can have the risk that an original letter of credit and a reissued letter of credit can be used double in the exporting country. The most safe method for issuing bank is to cancel the original letter of credit and to reissue a new letter of credit. When an issuing bank issues a letter of credit in the third party's name, the bank should investigate the background of the transaction and give the buyer a proper line of credit.

• 한국생활과학회지
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• 제18권1호
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• pp.123-136
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• 2009

Debt and credit problems in Korea have been escalated during the past decade. The number of people with debt and credit problems is in its historic high. In May 2008, about 2.48 million debtors are officially classified as bad debtors and 7.20 million people have low credit scores. People with low credit scores are in disadvantageous situation in the financial market thus their financial transactions and activities are limited. In 2004, Korean government introduced various credit rehabilitation programs. However, most of these problems are remedial in nature and preventive programs such as credit counseling and debtor education are lacking. The purpose of this review is to examine US credit counseling and debtor education programs to obtain insights for preventive credit program developments in Korea. The review focused on programs offered through National Foundation for Credit Counseling, Jump Start, and Cooperative Extension Services from two large land grant Universities. From the program review suggestions and recommendations for educational contents, program and educator developments, and program quality control were discussed.

• 대한가정학회지
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• 제34권3호
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• pp.59-73
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• 1996

The purposes of this study are to investigate the determinants of household demand for credit and to test the effects of credit outstandings and credit repayments on consumption expenditures. To investigate the relationship between credit use and consumption expenditures, a theoretical consumption expenditure model including credit outstandings and credit repayments is developed. With 1991 Report of National Survey of Family Income and Expenditure, two empirical models are tested using OLS. The results show that household demand for credit is determined by household income, debt burden, household size, age and squared age of household head and ratio of home ownership. It is also found that credit outstandings affect consumption expenditures positively while credit repayments affect consumption expenditures negatively.

• International journal of advanced smart convergence
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• 제11권1호
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• pp.64-69
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• 2022

The current research examines whether consumers' preference for credit card benefits (i.e., general credit card benefits vs. credit card benefits related to green life) differs according to their pro-environmental disposition. Specifically, we predict that for consumers with high (vs. low) pro-environmental disposition, their preference for credit card benefits related to green life will be higher, while preference for general credit card benefits will not be different between low and high pro-environmental disposition groups. An online survey (N = 487) was conducted to test the hypotheses. Consistent with the hypotheses, the results indicate that (1) respondents with high pro-environmental donation intention, as compared to those with low pro-environmental donation intention, had higher preference for credit card benefits related to green life; and (2) there was no significant difference in preference for general credit card benefits between high and low pro-environmental donation intention groups. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' preference for credit card benefits relevant to green life, considering consumers' individual differences such as pro-environmental disposition.

• 대한가정학회지
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• 제42권3호
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• pp.119-130
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• 2004

The purpose of this study is to estimate the rate of credit card payment for private education. The results of study can be used to improve credit card handling problems of private educational institutes, leading toward improvements in income transparency, increase in tax burden equity and long-term economic welfare improvement for individual households. 424 households out of 586 household that were surveyed in September of 2002 had 1,700 cases private extracurricular education. 67 of the 1,700 cases that did not have expenditure records were removed from the analysis. Only 3.67％ out of 1,633 cases were paid by a credit cards and the amount of credit card payment were only 5.65％ of the total amount spent for private education. The average fee of private educational institutes that allow credit card payment was higher than the fees of private institutes which don't allow a credit card payment or those of private institutes where consumers don't know whether a credit card payment was allowed. The average fee of private education paid by credit cards was 34,465.46 won higher than that paid by cash. Credit card payments to private educational institutions is an important social issue with respect to fair tax collection and tax burden equity since most private educational services operate in fairly small sizes and are offered by the self-employed, and the expense of private education is a fairly large proportion of the household income. It is also important for consumers if credit card acceptance expands alternatives that consumers can choose in private education. Therefore, credit card payment should be encouraged in private extracurricular education. To do this, private education providers should be forced to join a credit card payment service by the National Tax Service. A regulation that prohibits the refusal of credit card payments should be required, and credit card service charges of private education providers should be incrementally decreased. Also, consumer education and public promotions for credit card use instead of cash in paying for private education fees are recommended.

• 한국가정과학회지
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• 제7권4호
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• pp.71-81
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• 2004

This study was to understand the credit economic society and the frequency of credit use, and to suggest the method of home management in credit economic society. First of all, the consumer education of credit will have to convenience the utilization of consumer education, to supply the information of credit value and a contract thinking, and to develop the variety of media and tools in consumer education.

• 시큐리티연구
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• 제9호
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• pp.27-68
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• 2005

현재 개인신용정보이용 신용카드범죄는 그 특성상 고도의 전문화와 광역화로 인해 피해 발생후 원상회복이 어렵고 범죄인의 신속한 검거와 처벌 또한 쉽지 않다. 소수의 범죄인들에 의해서 발생하던 예전의 신용카드 위${\cdot}$변조 범죄들은 현재의 신용카드 관련 범죄와는 유형과 양상이 사뭇다르다. 현대신용사회에서 개인신용정보의 중요성은 굳이 강조할 필요가 없다. 따라서 개인신용정보이용 신용카드범죄가 국민 생활에 끼치는 악영향은 한 개인과 신용카드가맹점, 그리고 신용카드회사 모두에게 엄청난 경제적 손시로가 피해를 유발하는 것이다. 이 연구에서는 개인신용정보이용 신용카드범죄와 개인신용정보 부정이용범죄에 대한 효율적 대처방안들을 다음과 같이 제시하였다. 먼저, 신용카드정보 유출의 방지를 위한 대책으로서 카드사용자의 사용의식 전환, 신용카드매출전표의 인쇄내용 개선, PG(Payment Gateway) 업체 등을 통한 카드정보 암호화의 법제화를 들었다. 그리고, 비밀번호 입력에 대한 보완, 키보드 프로텍션(해킹방지) 시스템의 보급, 결제내역 즉시통보의무의 법제화를 들었다. 또한 다양한 본인 인증 방법으로서 전자인증서를 통한 인증, 생체인식 기술을 이용한 인증을 들었으며, 개인신용정보를 보호받지 못하는 나라에서의 신용카드사용을 제한하여 신용카드관련 피해 발생을 최소화하는 방안을 제시하였다. 그러므로 개인신용정보이용 신용카드범죄에 대한 효율적인 대처를 위해서는 카드사용자, 카드사, PG 업체, 정부 기관, 공인인증기관 등의 종합적인 협력과 노력이 요구되며, 경각심을 고취시키기 위한 처벌법규의 강화와 정책적 대안을 수립하여 현대사회에서의 건전한 신용문화를 형성하여야 할 것이다.