• Title/Summary/Keyword: loan

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A Study on Influence Factors of the Academic Library on College Education and Research Performances (대학의 교육 및 연구성과에 미치는 대학도서관 영향요인 연구)

  • Seo, Man-Deok
    • Journal of Korean Library and Information Science Society
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    • v.47 no.1
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    • pp.243-277
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    • 2016
  • This study aimed at analyzing the influence factors of the academic library on college's education and research performances. The researched subject was 144 colleges targeted for information disclosure by Center for Higher Education Information Disclosure. The conclusion of the present study is as follows. First, the educational performance in college showed the positive relation with 'library environment' variables except 'seating capacity per capita'. Second, the educational performance in college was positively related to the variable of 'library outcome' and particularly, it was directly influenced by circulation, visit, and interlibrary loan. Third, the research performance in college showed a positive correlation with 'library environment' variables except facility scale of library. Fourth, the research performance in college showed a positive relation with the variable of 'library outcome' and research performance excluding 'publication in domestic journals per capita' was positively influenced by 'document delivery services usage per capita' and 'commercial DB usage per capita' in common.

A Study on LibraryLookup Services Using Bookmarklets (북마크릿을 활용한 LibraryLookup 서비스 제공방안에 관한 연구)

  • Gu, Jung-Eok;Lee, Eung-Bong
    • Journal of the Korean Society for information Management
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    • v.23 no.3 s.61
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    • pp.49-68
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    • 2006
  • It is required to enhance the value of ISBN as a tool for book search, identification, browsing, and improve the accessability and search capability of library OPAC. Bookmarklet is a small size javascript which can be saved as URL in a web browser bookmark or web page hyperlink. Open source bookmarklet can extract ISBN from web pages and search a book from library OPAC using the ISBN, so it is recognized as a simple but powerful search tool. In foreign countries, commercial library system vendors, libraries, OCLC, etc. are providing bookmarklets which allow a user to search for library holdings and loan information in a real time while he/she is travelling in an online bookshop web page. Therefore, this paper compared and analyzed international bookmarklets application examples and proposed LibraryLookup service in which library OPAC and online bookshop can make use of the bookmarklets.

A Survey Research on the Circulation System for Students of College and University Libraries in Korea (한국 대학도서관 학생 관외대출제도에 관한 조사연구)

  • 손정표
    • Journal of Korean Library and Information Science Society
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    • v.9
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    • pp.145-178
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    • 1982
  • This is a survey of the circulation system for students in college & university libraries in Korea. The survey used a questionnaire with 14 questions on 6 items concerning the various aspects of the circulation system in 82 libraries responded among 85 college & university libraries as of 1981. The survey results discovered many problems needing improvement. The following list describes the measures needed to better the problems found in the survey results of 82 libraries. 1. 67.1% of the libraries shows the restricted volumes loaning less than 2 volumes, and 81.7% of the libraries shows the loan periods less than a week, but it is desirable to extend them, when comparing with the size of holdings and the higher educational system at present. 2. It is desirable that the number of a staff in charge of circulation works places one person per average 75-85 books borrowed a day, when calculating an adequate number of the staff on the basis of the correlation between books borrowed a day and number of the staff. 3. 59.8% of the libraries does not have reserved book system, but it is desirable to take it for increasing reliability about the circulation services. 4. More than half of the libraries takes a method of a public announcement on a notice-board for claims of overdue books, but it is desirable to send a claim notice to the individual in viewpoint of keeping their privacies. 5. More than half of the libraries to take the open access system uses a call slip, but it is desirable not to use it in viewpoint of simplicity and economical efficiency of the charging system, because of demanding the unnecessary records. 6. Most of libraries shows many problems of the charging system, especially in factors of the records and filing system, but it is desirable to improve it on the basis of 4 basic factors of the charging system, that is, simplicity, economical efficiency, promptitude and accuracy.

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A Study on the Copyright Contents of Medical Library Web Site (국내 의과대학도서관 웹사이트에 나타난 저작권관련사항에 관한 연구)

  • Choi, Hung-Sik;Yoon, Mi-Hui
    • Journal of Korean Library and Information Science Society
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    • v.37 no.4
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    • pp.371-389
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    • 2006
  • The purpose of this study is to induce a librarian to construct databases lawfully and the user with a copyright and the fair use. Based on information from web sites, the domestic medical libraries(32) were investigated for analyzing how to deal with copyright problems. The results show that only 28% of the medical libraries provide users with information on copyright at their web site. The terminology used was different among libraries. 44.4% of the libraries use 'copyright law' and 33.3% 'copyright' The terminology appeared at the 'notice' menu and 'library guidance' menu. The detail part of copyright contents was shown at 'the data copy and transmission', 'full text DB use', 'thesis and dissertation service', 'FAX/file transfer', 'Image(Ariel)', and 'interlibrary loan'. In general, there was a necessity to the correct understanding of the copyright and fair use.

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An Economic Analysis with the Productive Rate of Return (생산투자수익률을 적용한 생산투자사업의 경제성 분석)

  • Kim, Jin Wook;Son, Immo;Shin, Jaiwook
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.40 no.1
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    • pp.50-56
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    • 2017
  • The IRR (internal rate of return) is often used by investors for the evaluation of engineering projects. Unfortunately, it is widely known that it has serial flaws. Also, External rate of returns (ERRs) such as ARR (Average Rate of Return) or MIRR (MIRR, Modified Internal Rate of Return) do not differentiate between the real investment and the expenditure. The PRR (Productive rate of return) is faithful to the conception of the return on investment. The PRR uses the effective investment instead of the initial investment. In this paper, we examined two cases of the engineering project. the one is a traditional engineering project with financing activity, another is the project with R&D. Although the IRR has only one value, it overestimates or underestimate profitabilities of Engineering Projects. The ARR and the MARR assume that a returned cash reinvest other projects or assets instead of the project currently executing. Thus they are only one value of a project's profitability, unlike the IRR. But the ARR does not classify into the effective investment and non-investment expenditure. It only accepts an initial expenditure as for an investment. The MIRR also fails to classify into the investment and the expenditure. It has an error of making a loss down as the investment. The IRR works as efficiently as a NPW (Net Present Worth). It clearly expresses a rate of return in respect of an investment in an engineering project with a loan. And it shows its ability in an engineering project with a R&D investment.

EPCglobal Network-Based Internet Escrow Service for Secure e-Commerce (EPCglobal 네트워크 기반 인터넷 에스크로 서비스)

  • Kim, Dong-Min;Huh, Jung-Hyun;Lee, Yong-Han;Rhee, Jong-Tae
    • The Journal of Society for e-Business Studies
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    • v.11 no.4
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    • pp.87-106
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    • 2006
  • Today as the scale of e-commerce constantly expands, the number and the amount of the consumer frauds are also increasing very rapidly, without sufficient levels of systematic support to prevent them. Internet Escrow service is one of the promising payment mechanisms, which guarantees secure electronic trades and payments. Especially, if the real-time product delivery information is available via RFID-based track-and-trace environment, the security and efficiency of the Internet Escrow services would be improved a lot. In this research, proposed a novel approach to integrate EPCglobal Network, which is a de-facto standard for RFID-based information network model, with Internet Escrow services. The proposed service model was implemented in the form of "Integrated Financial Platform", which supports the contracts among trading partners and the payment via Escrow services by being fully integrated with bank systems. Using the implemented EPCglobal Network-based Escrow service system, we would be able not only to shorten the money-flow cycle and to develop new kinds of loan services, but also to overcome the problems of existing Escrow services including the lack of product-related information and the delay of purchasing decisions.

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A Study on Exporting Small & Medium Enterprises Based on Accident Types of Derivatives Transactions: Focus on Exporting Small & Medium-Sized Enterprises with KIKO Currency Option (파생상품의 투자 리스크 요인 분석을 통한 중소수출 기업의 환리스크 관리 방안 - KIKO를 통해 살펴본 국내 중소제조업체를 중심으로 -)

  • Cho, Young-Hun
    • Journal of Arbitration Studies
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    • v.26 no.1
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    • pp.89-105
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    • 2016
  • 2008 began with the American financial crisis which gave way to the liquidity crisis (Fannie Mae and Freddie Mac) situation in which 'the withdrawal of investment initiated from the insufficiency of the U.S. subprime mortgage loan companies', 'the large size loss situation of the financial company (Bear Stearns) due to the American structured bond insufficiency' and the second half opening part national debt mortgage company. Within the American financial crisis was propagated the crisis of international derivatives. Due to this, the withdrawal of foreign investment progressed in the interior of a country with the considerable. By the end of 2007, the exchange rate fluctuation was absorbed in the domestic financial circle on the belief the potentiality of the domestic financial market had been growing drastically through the expansion of the foreign currency debt according to this and it came to the defence but while the exchange rate jumped up to the dollar shortage according to the international crisis, the small and medium companies making the banks and exchange rate-related derivatives contract were going bankrupt due to the derivatives loss. The small and medium factories establish the bank exchange rate-related derivatives has nose (KIKO), pivot (PIVOT), and snowball (Snowball) etc. at that time and the damage which it is the KIKO grasped at 6 end of the months in 2008 caused by reaches to 1 thousand billion 4 thousand hundred million dollars. Small and medium companies in which the dollar which it has to denounce among small and medium companies bearing the KIKO contract in fact with the Knock-In generation city bank exceeds the amount of sales were known to be 68 enterprises among 480 enterprises. This paper departs in this awareness of a problem and tries to look into the risk factor of the derivatives, including nose and study the essential ring risk management plan of small and medium manufacturer.

A Recognition Analysis on Activation of Housing Reverse Mortgage Loans and Mortgage Loans (주택연금과 주택담보대출의 활성화 방안 인식분석)

  • Lee, Chan Ho;Shin, Yeong Mi
    • Journal of Digital Convergence
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    • v.12 no.7
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    • pp.197-203
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    • 2014
  • This study deals with a comparative analysis on reverse mortgage loans and mortgage loans in order to pave a path for activation of real estate financing. The fact-revealing analysis was conducted through surveys based on theoretical consideration and advanced researches, which has drawn a range of findings. As the results of this study, the important findings concerning the improvement on the activation of practical housing reverse mortgages are applicable to all real estate, diversifying the tax benefits, and deregulation of 1 house, etc. and findings concerning the improvement to activate mortgage loans are diversifying types of interest rates, diversifying types of repayment, tax benefits for less than 15 years maturity period, and granting benefits(low interest rates, higher loan limits) to low-income households, etc. This study has a significance for providing basic materials in order to accomplish advanced finance policies along with social welfare services as suggesting measures to improve and activate real estate financing through the findings out of the fact-revealing analysis conducted as above.

Analysis of the Effect of Expected Housing Prices and Liquidity on the Housing Market (유동성과 주택가격의 기대심리가 실질 주택가격에 미치는 영향에 관한 연구)

  • Jeon, Hyeonjin;Kwon, Sunhee
    • Journal of Digital Convergence
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    • v.18 no.11
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    • pp.43-49
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    • 2020
  • The purpose of this study was to analyze factors affecting the housing market by setting household loans and M2, which are liquidity indicators, and the industrial production index reflecting economic fluctuations, as variables, and to determine the effect of expected housing prices. An empirical analysis was conducted based on the data from January 2005 to May 2020, and the HP filter was applied to the real house price as the expected house price variable. As a result of the analysis, it was found that real household loans, real M2, and so on, had an effect on house prices, and expectations for past house prices and house prices increased the house prices in the present period. These results show that even though the liquidity expansion is aimed at revitalizing the economy, it can affect housing prices as well.

A Case Study on Reusing Maintenance and Alterations by the Elderly Residing Melbourne and Sydney in Australia (호주 재택 노인을 위한 주택수리 및 개조사례 연구 - 멜버른과 시드니를 중심으로 -)

  • 이영심;이상해
    • Journal of the Korean housing association
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    • v.13 no.1
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    • pp.44-52
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    • 2002
  • As a result of the expansion of the nuclear family in society, there has been an increase in the number of elderly people who want to live independently of their children. Australia is one of the countries which has initiated an extensive welfare program for its senior citizens. These services include maintenance of, and alterations to their own homes to make living conditions safer and more manageable. This case study was aimed at finding ways of adapting the services provided in Australia, to meet the needs of elderly Koreans who are in similar situations. It evaluated houses which had been renovated and altered fur the normal as well as the disabled elderly in both Melbourne and Sydney. results of research were as following : 1) Most elderly usually wished to remain as long as possible in their own home and it made them very stable in psychologically. 2) Housing maintenance and alterations were provided as one of social care services fur elderly with low expense and loan from government. 3) Many elderly were also getting various kinds of social services, fur example, meals on wheels, transportation and cleaning service with housing alterations and these ones let their quality of life more improved. 4) Occupational therapist and Architect were always involved in the process of housing alterations for disabled elderly. 5) The alterations which related to bathroom, toilet and steps were very popular and those were considered essential design guide applications for planning of housing for elderly in the future.