• KSII Transactions on Internet and Information Systems (TIIS)
• /
• 제15권10호
• /
• pp.3627-3641
• /
• 2021

Fintech, which stands for financial technology, is growing fast globally since the economic crisis hit the United States in 2008. Fintech companies are striving to secure a competitive advantage over existing financial services by providing efficient financial services utilizing the latest technologies. Fintech companies can be classified into several areas according to their business solutions. Among the Fintech sector, peer-to-peer (P2P) lending companies are leading the domestic Fintech industry. P2P lending is a method of lending funds directly to individuals or businesses without an official financial institution participating as an intermediary in the transaction. The rapid growth of P2P lending companies has now reached a level that threatens secondary financial markets. However, as the growth rate increases, so does the potential risk factor. In addition to government laws to protect and regulate P2P lending, further measures to reduce the risk of P2P lending accidents have yet to keep up with the pace of market growth. Since most P2P lenders do not implement their own credit rating system, they rely on personal credit scores provided by credit rating agencies such as the NICE credit information service in Korea. However, it is hard for P2P lending companies to figure out the intentional loan default of the borrower since most borrowers' credit scores are not excellent. This study analyzed the voices of telephone conversation between the loan consultant and the borrower in order to verify if it is applicable to determine the personal credit score. Experimental results show that the change in pitch frequency and change in voice pitch frequency can be reliably identified, and this difference can be used to predict the loan defaults or use it to determine the underlying default risk. It has also been shown that parameters extracted from sample voice data can be used as a determinant for classifying the level of personal credit ratings.

• 한국문헌정보학회지
• /
• 제55권2호
• /
• pp.131-146
• /
• 2021

이 연구는 권장도서의 학교 간 중복 여부를 실증적으로 분석하고 권장도서가 실제 대출로 이어지는 정도를 통계적으로 분석한 연구이다. 이러한 분석 자료는 권장도서가 활용되고 있는 근거를 기반으로 권장도서가 갖는 유효성을 확인하기 위한 목적이다. 연구 방법으로 18개 초등학교의 권장도서 목록과 그중 13개 초등학교의 대출데이터를 수집하여 학교별 비교 분석을 통해 기초 통계자료를 도출해냈다. 분석 결과 권장도서 목록의 학교별 유사도는 낮게 나타났으며 권장도서는 전체 대출량에 영향을 주었다. 학년별 대출 빈도의 차이를 보였고 모든 학교에서 저학년의 대출 빈도가 높은 것으로 나타났다. 본 연구 결과는 초등학교 도서관에서 권장도서 활용 정도의 기초 근거자료가 될 것이다.

• 한국문헌정보학회지
• /
• 제58권1호
• /
• pp.123-149
• /
• 2024

본 연구는 14세 미만 어린이의 공공도서관 대출회원증 발급 간소화 방안을 제시하고, 공공도서관 이용의 편의 증진 및 이용활성화 방안을 마련하는 데 목적이 있다. 이를 위해 관련 법류 및 제도, 관계 서비스 및 시스템을 분석하고 전국 공공도서관 1,211개 관의 14세 미만 어린이의 대출회원증 발급 절차를 전수조사하여 유형별 발급사례를 도출·분석하였으며, 포커스 그룹인터뷰를 진행하였다. 이를 바탕으로 서비스 디자인 방법론 중 '더블 다이아몬드 모델'을 활용하여 14세 미만 어린이의 공공도서관 대출회원증 발급 절차 간소화를 위한 단계별 가이드라인 및 이해관계자의 역할과 법률 및 제도 등 환경 개선을 제안하였다.

• 한국시스템다이내믹스연구
• /
• 제13권1호
• /
• pp.63-80
• /
• 2012

This paper is aiming at providing the systems thinking perspective on the collapse of the savings and loan banking system in Korea. Two causal loop diagrams are developed to conduct the analysis: The first is focusing on the structural problems included in the establishment of S&L banking in 1990s. The later is developed based on the project financing mechanism by controlling the credit standard required during the due diligence. The result of this study shows that the main cause of the collapse of the S&L banking is the structural problem connected to real estate market including the failure of regulation.

• International journal of advanced smart convergence
• /
• 제2권2호
• /
• pp.23-26
• /
• 2013

Social networking services that connect a person to other people are attracting people's attention and various types of services are provided on the Internet. Library has been playing a role of social media by providing us with materials such as books and magazines, and with a place for reading, studying, getting lectures, etc. In this paper, we present a method for finding candidates of groups of the library's patrons who share interest areas by utilizing the loan records, which are obtainable in every library. Such a homogeneous group can become a candidate for a study group, a community for exchange ideas, and other activity group. We apply the method to a collection of loan records of a university library, find some problems to be solved, and propose measures for more detailed solutions. Even though the potential group finding problem still remains a lot of issues to be solved, its potential importance is very high and thus to be studies even more for future applications.

• 산업공학
• /
• 제24권4호
• /
• pp.295-303
• /
• 2011

This paper presents a discrete time optimal asset buying problem with a predetermined final deadline where an available budget is limited. A cost is paid to search for assets called the search cost. A seller who shows up offers a price for the asset and then the buyer decides whether or not to buy the asset by comparing the offered price to his optimal selection threshold. When the budget becomes less than the search cost or the price of the asset the buyer can get a necessary loan with some interests. We clarify the properties of the buyer's optimal selection threshold in order to maximize the expected value of budget which is left after paying all the search costs and the price of the asset at that point in time.

• International Journal of Internet, Broadcasting and Communication
• /
• 제6권1호
• /
• pp.5-8
• /
• 2014

Social networking services that connect a person to other people are attracting our attention and various types of on-the-network services are provided. Library has been playing a role of social media by providing with materials such as books and magazines, and with a place for reading, studying, getting lectures, etc. In this paper, we present a method for finding candidates of groups of the library's patrons who share interest areas by utilizing the loan records, which are obtainable by every library. Such a homogeneous group can become a candidate for a study group, a community for exchange ideas, and other activity group. We apply the method to a collection of loan records of a university library, find some problem to be solved, and propose measures for more detailed solutions. Even though the potential group finding problem still remains a lot of problems to be solved, its potential importance is very high and thus to be studies even more for future applications.

• 대한음성학회지:말소리
• /
• 제35_36호
• /
• pp.25-36
• /
• 1998

The prosodic properties of Korean and English stress were examined with focus on syllable duration and pitch by loan words. 14 loan words were selected by the criteria of the numbers of syllables and stress positions. 3 Korean males using Seoul dialect and 3 American males using general American English served as subjects. Each tokens were uttered 3 times and second one was chosen to be analysed by CSL. We measured the duration and F0 of each syllable. In English, duration is the most salient acoustic correlates of stress, and pitch is the second. In Korean, by contrast, it seems that neither duration nor pitch is the acoustic features of stress, from our data

• 비교문화연구
• /
• 제24권
• /
• pp.99-111
• /
• 2011

This paper is a comparative study of English loans in Russian and Swahili. In the twenty first century, due to the advantage of English as a global language, a language of technology and business, it has had contact with many languages of the world and has become a major source of loans to many languages. Though very different from each other, both Russian and Swahili currently have English as their main source of loanwords. This study reports the extensive adaptation of English loans by Russian and Swahili and examines how these loan items are assimilated into the two languages. It concludes that besides the adaption of pure English loans they have both employed other strategies such as loan translations, semantic extensions and loanblends for vocabulary expansion.

• 국제학술발표논문집
• /
• The 3th International Conference on Construction Engineering and Project Management
• /
• pp.1015-1022
• /
• 2009

Currently, Korean real estate market has experienced cooling down of the business because of the global economic crisis which resulted from the subprime mortgage lending practice. In response, the Korean government has enforced various policies at the base of deregulating real estate speculation, such as increasing Loan to value ratio (LTV) in order to stimulate housing demand and supply. However, these policies seemed to result in deep confusion in the Korean housing market. Furthermore, analysis for housing market forecasting, especially international financial crisis on Korean real estate market, has been partial and fragmentary, therefore comprehensive solution and systematical approach is required to analyze the real estate and real estate financial market including causal nexus between market determining factors. In an integrated point of view, applying the system dynamics modeling, the paper aims at proposing Korean Real Estate and Mortgage market dynamics models based on fundamental principles of housing market determined by supply and demand. We also find the impact of deregulation policies focusing on mortgage loan which is the main factors of policies.