• 제목/요약/키워드: public lending

검색결과 50건 처리시간 0.027초

Capital Markets for Small- and Medium-sized Enterprises and Startups in Korea

  • BINH, Ki Beom;JHANG, Hogyu;PARK, Daehyeon;RYU, Doojin
    • The Journal of Asian Finance, Economics and Business
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    • 제7권12호
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    • pp.195-210
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    • 2020
  • This study describes the structure of the capital markets for small- and medium-sized enterprises (SMEs) and startup companies in Korea, which is an emerging market that has experienced drastic changes. The overall capital market can be divided into private and public capital markets. In the private capital market, most of the demand for capital comes from non-listed private firms, including startups and SMEs. In the case of SMEs and startups, the KOSDAQ, the Korea New Exchange (KONEX), and primary collateralized bond obligations (P-CBOs) are part of the public capital market. SMEs and startups are generally incapable of raising sufficient capital owing to their low credit ratings, and they largely have limited access to primary markets to issue shares and borrow money. The Korean government has developed a systematic financial aid program to provide funds to these companies. The fund for SMEs has significantly contributed to the development of the venture capital market. Many Korean banks provide substantial lending to SMEs, but this lending is available only because of the Korean government's loan recovery guarantee. Furthermore, SMEs can issue corporate debt in the form of primary collateralized bond obligations through government guarantees, but such debt issuances have placed increasing pressure on public guarantee institutions.

구한말 궁내부의 공문서 관리 규칙에 관한 일고찰 (A Study of Public Document Management Regulations of Gungnaebu)

  • 김건우
    • 한국기록관리학회지
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    • 제7권1호
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    • pp.111-128
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    • 2007
  • 본고는 대한제국 융희년간 궁내부의 공문서 관리 규칙에 대해 알아보고자 한 것이다. 궁내부 공문서 관리 규칙은 1907년 이후에 제정된 것이 많다. 이 규칙과 방식들은 현재 공문서 관리에 지대한 영향을 주었다는 점에서 중요한 의미를 지니고 있다. 갑오개혁의 정치적 산물로 신설된 궁내부는 정치적 변동에 의해 그 위상이 바뀌기도 하였지만 줄곧 궁중의 사무를 관장하였다. 공문서 관리 담당부서, 공문서류 처리절차, 편찬과 보존에 관한 규칙, 기록편찬분류표 제정, 기록목록과 대출에 관한 규정이 상세히 명시되어 있다. 궁내부에서 관할하는 모든 공문서류를 조직 업무별로 분류하고 보존기간을 각기 정하여 편철 정리하는 방식은 당시 공문서류 관리 방식의 새로운 모습이었다. 그리고 실제 사무에 사용되는 기록물 발송대장과 접수대장, 열람장부 등 여러 서식이 함께 구체적으로 제시되어 있다. 또한 이 규칙들은 조선총독부를 거쳐 대한민국 정부수립 이후에도 계속 준용되어 온 공문서 관리 방식의 모태이기에 오늘날 많은 시사점을 주고 있다.

장애인을 고려한 공공도서관의 실내디자인 사례조사 연구 (A Case Study on the Interior Design For the disabled in Public Libraries)

  • 최서윤;황연숙
    • 한국실내디자인학회:학술대회논문집
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    • 한국실내디자인학회 2007년도 추계학술발표대회 논문집
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    • pp.195-197
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    • 2007
  • Nowadays, the disabled are increasing because of industrial injuries and traffic accidents. The attention of the disabled is flourishing along with growing concerns about social participation of tile disabled. The purpose of this study is to investigate the interior design factors for the disabled in public libraries. Four public libraries in seoul since 2000 were investigated. The findings of this study are as follows: The legal items are adequate. But many recommended items are inadequate. Generally, moving facilities are adequate, but direction and refuge facilities are inadequate. Cubicle and lending table are inaccessible for the disabled.

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The Impact of Financial Variables on Firm Profitability: An Empirical Study of Commercial Banks in Oman

  • JAYARAMAN, Gopu;AZAD, Imran;AHMED, Hanaa Sid
    • The Journal of Asian Finance, Economics and Business
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    • 제8권5호
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    • pp.885-896
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    • 2021
  • The general role of commercial banks is to provide financial services to the general public and business, ensuring economic and social stability and sustainable growth of the economy. Commercial banks play an important role in mobilizing and channelizing funds for investment activities. This study analyzes the impact of the key financial variables on the net profit of the selected commercial banks in Oman. The study employs times series panel data - cross-sectional analysis of the key financials of five leading commercial banks for a period of 13 years from 2007 to 2019. The results reveal that the correlation matrix of the selected variables has a positive relationship with net profit, assets, deposits, loans, and interest income. However, the findings also shows a negative relationship between net profit and net loans to total deposits ratio. The study found net loans is the main independent variable that influences the profitability of the banks since the key source of revenue comes from the lending operations. The assets, total capital adequacy ratio have a mixed effect on the profitability of commercial banks. The total deposits and capital adequacy ratio have a negative effect on profitability mainly because excessive liquidity will increase the cost of capital and reduce the return on investment. Focusing on lending operations with a sound credit portfolio will improve profitability.

공공도서관 미대출 도서 추천시스템 구현 : 대구 D도서관을 중심으로 (Implementation of the Unborrowed Book Recommendation System for Public Libraries: Based on Daegu D Library)

  • 진민하;정승연;조은지;이명훈;김건욱
    • 디지털융복합연구
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    • 제19권5호
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    • pp.175-186
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    • 2021
  • 국내 공공도서관의 역할과 기능은 다양해지고 있는 반면, 내부적으로는 편향된 도서 대출로 다양한 문제들이 나타나고 있다. 또한 최근 4차 산업혁명으로 공공도서관에서 인기도서 위주의 도서 추천시스템이 도입되고 있으나, 이용자가 접할 수 있는 도서의 다양성은 제한되고 있다. 이에 본 연구에서는 공공도서관 이용자의 만족을 제고하기 위해 공간적으로는 대구시 두류도서관으로 한정하여 대출이력 자료(213,093건), 회원정보(35,561명) 등을 활용하여 군집분석과 토픽 모델링, 콘텐츠 기반 필터링 추천 알고리즘으로 공공도서관 미대출 도서 추천시스템을 구현하였으며, 이에 대한 실제 이용자들의 만족도 설문조사를 실시하여 미대출 도서 추천시스템의 가능성과 시사점을 제시하였다. 분석 결과 대다수의 이용자들이 높은 만족도로 응답하였으며, 특정 성·연령대, 직업, 평소 독서량 등으로 분류된 계층에서 만족도가 상대적으로 높게 나타난 것을 확인할 수 있었다. 본 연구결과를 통해 공공도서관의 편향된 도서 대출, 운영 효율성 저하 등의 문제를 일부 개선할 수 있을 것으로 기대하며, 연구의 한계점 또한 제시하였다.

일본 공공도서관의 대활자본 현황 조사 - 야마가타현을 중심으로 - (A Study on the Large Print Books Current Situation in Japanese Public Libraries - in Yamagata Prefecture -)

  • 손지현;신도 토루
    • 한국도서관정보학회지
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    • 제45권4호
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    • pp.119-138
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    • 2014
  • 초고령사회 일본의 공공도서관에서는 고령자서비스의 일환으로 대활자본에 대해 어떤 서비스가 이루어지고 있는지 그 실태와 현황을 파악하였다. 야마가타현의 공공도서관을 대상으로 한 결과 80%에 가까운 도서관이 대활자본을 소장하고 있음을 파악하였으나 이를 활용한 특별한 서비스도 실시되고 있지 않고 대출율도 저조하여 도서의 홍보에도 소극적임을 확인하였다. 이에 본 연구에서는 고령자층을 고려한 대활자본의 독서환경에 대한 재정비 방안을 제시하였다.

광복이후 한국 공공도서관사 연구 -일제하 공공도서관제도의 영향을 중심으로- (A Study of the History of Korean Public Library after the Korean Liberation Day - An Emphasis on the influence of public Libraries System under the Japanese Imperialism-)

  • 김포옥
    • 한국문헌정보학회지
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    • 제20권
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    • pp.65-125
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    • 1991
  • The study has tried to analize and appraise how did public library system under the Japanese imperialism affect the establishment and managemant of Korean public libraries. To achieve the purpose of the above-mentioned study, the contents of $\ulcorner$Japanese library statute$\lrcorner$ under Japanese imperialism and the current $\ulcorner$Korean library law$\lrcorner$ have been mutually compared, at the same time, the vestiage of Japanese imperialism in view of the establishment, personnel administration and reading systems have been concretely investigated, analyzed and compared. The conclusions obtained from the above are as followings. 1. In those days of the Korean Liberation, the situation of Korean public libraries was such as it under the Japanese rule and so, their names were only changed. However, as a part of its independent activities, the national library have once carried out the various programs such as the training of professional librarians, the establishment of the new classification schedule and the chief Librarian and deputy Librarian from the professional librarians in the office regulations, and they were well worth being the good examples for today's Korean library circle. Though the Goverment of the Republic of Korea had been formally established, the situation of the library circle was very dull owing to the Korean war for a long time. In 1963, $\ulcorner$The Korean library law$\lrcorner$ was promulgated, but the establishment of public libraries did not give satisfactory results because of the institutional fragility. In the 1980's the importance of library was embossed from the viewpoint of life-long education and the number of libraries was increased. However, there were still the remaining vestiges of Japanese library system in the practical library services. 2. After the Korean Liberation, the influnces of public library system under the Japanese imperialism showed in the office regulation of national library and the Korea library Law were also in the legal mechanism. In particular, the regulations of $\ulcorner$The staff-member of public library$\lrcorner$ and $\ulcorner$Admission fee of public library$\lrcorner$ including the chief librarian have referred to the library system under the Japanese imperialism since the liberation day to date. 3. At that time of the Korean Liberation, the U.S.Military Government Office had decided that the public library administration should be attached to the administration of local and internal affairs in accordance with the Japanese administative system. As a result, the public libraries had been forced to be indirectly affected by public library system under the Japanese imperialism for twenty years since the Liberation. 4. Since the Liberation, the personnel adminstration of public library has been so far on the steps of model under the Japanese imperialism. As the result of the field survey, the position standards of local chief librarians, non-professional character, the extra post system and the preponderant appointment of non-professional offices have analyzed by the influence of Public library system under the Japanese imperialism. Therefore, the Government authorities-concerned must readjust the standards of qualification and the divided duties corresponding to the position of public library staff members and to stipulate expressly in the revised library law. In addition, the regulation of the admission fee should be also actively detected for the free adminssion of library users. 5. Since the Liberation Day, the reading methods of public library have been so far similar to reading method under the Japaness imperialism. For example, the admission fee levied, the complicated procedures of using books including entrance and exit of a library, no-admission system, the limited lending books, the deposit system of outdoor lending books and the surety liable jointly and severally are originally caused by bureaucracy of under the Japanese imperialism. Therefore, the public libraries should make an offer space and opportunities which can enjoy freedom to the gull in future. The procedures and standards of library users will be simplified, if possible. As the above-mentioned, the actual conditions of Korean public libraries have been examined and analyzed. As the result of it, there are still the remaining vestiges of public library system under the Japanese imperialism in the establishment and management of the nation-wide public libraries. Such the remnants are an obstacle to the democratic development of public libraries and so, the authorities-concerned should take the proper-measures as soon as possible.

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A Study on Public Library Book Location Guidance System based on AI Vision Sensor

  • Soyoung Kim;Heesun Kim
    • International Journal of Internet, Broadcasting and Communication
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    • 제16권3호
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    • pp.253-261
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    • 2024
  • The role of the library is as a public institution that provides academic information to a variety of people, including students, the general public, and researchers. These days, as the importance of lifelong education is emphasized, libraries are evolving beyond simply storing and lending materials to complex cultural spaces that share knowledge and information through various educational programs and cultural events. One of the problems library user's faces is locating books to borrow. This problem occurs because of errors in the location of borrowed books due to delays in updating library databases related to borrowed books, incorrect labeling, and books temporarily located in different locations. The biggest problem is that it takes a long time for users to search for the books they want to borrow. In this paper, we propose a system that visually displays the location of books in real time using an AI vision sensor and LED. The AI vision sensor-based book location guidance system generates a QR code containing the call number of the borrowed book. When the AI vision sensor recognizes this QR code, the exact location of the book is visually displayed through LED to guide users to find it easily. We believe that the AI vision sensor-based book location guidance system dramatically improves book search and management efficiency, and this technology is expected to have great potential for use not only in libraries and bookstores but also in a variety of other fields.

법원도서관 법마루 도서대출 데이터 기반 이용자 연구 (A Study of User Behaviors Based on Data from the Beopmaru, Supreme Court Library of Korea)

  • 곽지영
    • 정보관리학회지
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    • 제40권3호
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    • pp.143-162
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    • 2023
  • 본 연구는 법원도서관 법마루 도서대출 데이터를 분석하여 이용자 대출 패턴을 파악하고 분석 결과를 향후 이용자 서비스에 반영하는 방안을 제안하였다. 2022년 법마루의 소장 도서는 212,608권이었으며, 법률서가 73%를 차지하고 있었다. 그러나 실제 대출은 일반서가 83%의 비중을 차지하고 있었다. 주제별 이용계수를 살펴보면 문학 분야가 5.85로 가장 활발히 이용되고 있었고 법학 분야가 0.23으로 가장 저조하게 이용되고 있었다. 상호대차의 경우, KERIS 가입 회원기관과 대한변호사협회 모두 제법 분야, 민법 분야, 사법소송절차 분야 순으로 대출 비율이 높았다. 다만, 법학계인 KERIS 가입 회원기관이 실무계인 대한변호사협회에 비해 더 다양한 주제 분야의 법률서를 대출하고 있었다. 법률정보의 접근권 향상을 위해 법마루 대국민 대출서비스를 시행했지만 실제로는 열람 공간의 이용이 높았고, 대출 역시 일반서의 비중이 월등히 높다는 것을 확인할 수 있었다. 이를 개선하기 위해서는 법마루 대출 서비스 홍보 강화 및 개인화 서비스 제공, 도서대출 규정 정비 온라인서비스 강화 및 협력네트워크 구축 등이 필요할 것으로 보인다.

디지털 도서관에서의 저작권 문제: 개정 저작권법(안)을 중심으로 (Some Arguments on the Copyrights in Digital Library : Focusing on Proposed Copyright Act)

  • 김윤명;정준민
    • 정보관리학회지
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    • 제19권2호
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    • pp.181-201
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    • 2002
  • 정보통신기술의 발전에 따라 디지털도서관은 자료의 디지털화 등을 통하여, 디지털환경에 맞는 정보서비스를 위한 역할의 변화를 가져오고 있다. 저작권법은 도서관이 비영리적 기관으로서 사회의 공익에 기여하는 점이 많기 때문에 저작권법이 예외적으로 적용되어 자유로운 정보서비스를 허용하고 있다. 그렇지만 디지털환경에서는 디지털 복제와 전송이 쉽기 때문에 권리자와 이용자와의 균형관계를 형성하기에는 어려움이 따른다. 이러한 변화에 적응하고자 개정된 저작권법은 취지와는 달리 인터넷을 통한 디지털도서관에의 접근을 제한하고 있다. 따라서, 본 논문은 현행 저작권법 및 개정안의 문제점을 고찰함과 아울러 디지털도서관의 이용활성화를 위한 개선방안을 살펴보고자 하였다.