• Journal of Korean Library and Information Science Society
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• v.50 no.1
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• pp.23-41
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• 2019

This study understand the subject domain of book which has been read by men and woman elderly by analizying the PFNET using library big data and confirm the difference between adult at age 30-40. This study extract co-occurrence matrix of book lending on the popular book list from library big data, for 4 group, men/woman elderly, men/woman adult. With these matrix, this study performs FP network analysis. And Pearson Correlation Analysis based on the Triangle Betweenness Centrality calculated on the loan book was performed to understand the correlation among the 4 clusters which has been created by PNNC algorithm. As a result, reading trend which has been focused on modern korean novel has been revealed in elderly regardless gender, among them, men elderly show extreme tendency concentrated on modern korean long series novel. In the correlation analysis, the male elderly showed a weak negative correlation with the adult male of r = -0.222, and the negative direction of all the other groups showed that the tendency of male elderly's loan book was opposite.

• 주택과사람들
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• no.6 s.217
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• pp.57-59
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• 2008

주택 담보 대출 규제가 침체된 부동산 시장을 활성화하는 데 큰 걸림돌로 작용하면서 규제를 완화해야 한다는 목소리가 높아지고 있다. 주택 가격 6억 원에 따라 LTV.DTI 규제가 동시에 적용돼 실수요자들은 '6억원' 이라는 벽 앞에서 무릎을 꿇을 수밖에 없다. 건설 업체도 사정은 마찬가지다. 주택 담보 대출 규제로 인해 수요가 급감한 데다 DTI 규제가 적용되면서 미분양 물량이 증가했기 때문이다. 주택 담보 대출 규제가 주택 시장과 건설 업계에 미치는 영향을 살펴보고, 주택 시장 정상화를 위해 개선해야 할 점은 무엇인지 전문가들의 의견을 들어보았다.

• Knowledge Management Research
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• v.21 no.3
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• pp.229-247
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• 2020

In the remarkable growth of P2P financial platform in the field of knowledge management, only companies with big data and machine learning technologies are surviving in fierce competition. The ability to analyze borrowers' credit is most important, and platform companies are also recognizing this capability as the most important business asset, so they are building a credit evaluation system based on artificial intelligence. Nonetheless, online P2P platform providers that offer related services only act as intermediaries to apply for investors and borrowers, and all the risks associated with the investments are attributable to investors. For investors, the only way to verify the safety of investment products depends on the reputation of P2P companies from newspaper and online website. Time series information such as delinquency rate is not enough to evaluate the early stage of Korean P2P makers' credit analysis capability. This study examines the credit analysis procedure of P2P loan platform using artificial intelligence through the case analysis method for well known the top three companies that are focusing on the credit lending market and the kinds of information data to use. Through this, we will improve the understanding of credit analysis techniques through artificial intelligence, and try to examine limitations of credit analysis methods through artificial intelligence.

• Journal of the Korean Society for information Management
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• v.32 no.4
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• pp.273-287
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• 2015

This study aimed to investigate the impact of the epidemic disease including Middle East Respiratory Syndrome Coronavirus (MERS) on the usage of public libraries. Such disease yields anxiety throughout the nation and discourages social activities in general. 18,711,453 records from 303 public libraries were examined with "big data retrieval & analysis platform for public libraries" located in Sejong National Library. The results are as follows. First, in 2015, when MERS was prevalent, the daily mean of books checked out was 64,645.05, showing decrease of 6,300 per day compared to that of 2014. Second, in 2014, the daily mean of books checked out from July 5th to August 19th was greater than that of from April 4th to May 19th and that of from May 20th to July 4th, implying the impact of summer vacation on the increase in books checked out in public libraries. Third, in 2015, the daily mean of books checked out from July 5th was greater than during MERS outbreak(from May 20th to July 4th), while it did not show statistically significant difference with that of before the outbreak. Fourth, the daily mean of books checked out did not show statistically significant difference between 2014 and 2015 before and during the outbreak, while it showed statistically significant difference between 2014 and 2015 after the epidemic period. The results indicate that MERS and the anxiety it brought nationwide had an impact on the daily mean of books checked out in public libraries after the epidemic period rather than during the outbreak.

• Korean Journal of Construction Engineering and Management
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• v.11 no.1
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• pp.101-112
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• 2010

The Korean real estate market currently is experiencing a slowdown due to the global economic crisis which has resulted from subprime mortgage lending practices. In response, the Korean government has enforced various policies, based on intend to deregulate real estate speculation, such as increasing the Loan to value ratio (LTV) in order to stimulate housing supply, demand and accompanying housing transactions. However, these policies have appeared to result in deep confusion in the Korean housing market. Furthermore, analyses for housing market forecasting particularly those which examine the impact of the international financial crisis on the Korean real estate market have been partial and fragmentary. Therefore, a comprehensive and systematical approach is required to analyze the real estate financial market and the causal nexus between market determining factors. Thus, with an integrated perspective and applying a system dynamics methodology, this paper proposes Korean Real Estate and Mortgage Market dynamics models based on the fundamental principles of housing markets, which are determined by supply and demand. As well, the potential effects of the Korean government's deregulation policies are considered by focusing on the main factor of these policies: the mortgage loan.

• Journal of the Korean Society for information Management
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• v.40 no.3
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• pp.143-162
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• 2023

This study analyzed the Beopmaru, Supreme Court Library of Korea, circulation data to identify user lending patterns and proposed a plan to reflect the analysis results in future user services. In 2022, Beopmaru's collection of books was 212,608, with law books accounting for 73%. However, general books accounted for 83% of actual circulation. Looking at the usage coefficient by topic, the literature field was the most actively used at 5.85, and the law field was the least used at 0.23. In the case of interlibrary loan, both KERIS member institutions and the Korean Bar Association had the highest loan ratios in the legal field, civil law field, and judicial litigation procedure field, in that order. However, member institutions affiliated with KERIS, a legal academic community, were lending law books on a wider range of subject areas than the Korean Bar Association, a practical organization. To improve access to legal information, the Beopmaru public service was implemented, but in reality, the use of reading space was high, and the proportion of general books loaned was much higher. In order to improve this, it seems necessary to strengthen the promotion of Beopmaru loan services, provide personalized services, improve book lending regulations, strengthen online services, and establish a cooperative network.

• KLA journal
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• v.19 no.9
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• pp.25-28
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• 1978

• Journal of Labour Economics
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• v.30 no.1
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• pp.55-83
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• 2007

This paper examines the welfare aspects of loan-based self-insurance against unemployment, and discusses the scope of government intervention in its provision. This paper deals with these issues in a model where the individuals may experience unemployment shocks frequently to leave little savings for retirement, so that the government may have to provide them with unemployment and retirement insurance benefits during their unemployment and retirement, respectively. We identify the two interesting features in the model: the externality that the self-insurance exerts, upon other social insurances, and the incentive of private sector to provide loans that exerts the externality upon other social insurances. In particular, this paper shows that, although the inefficiency associated with private loan warrants the government provision of loans to unemployed workers, the over-incentive of the private sector to offer loans may reduce the scope of the government intervention. This paper also shows that, unless the inefficiency associated with private loans is high, the private incentive for loans would reduce welfare because of the externality generated by private loans.

• The Journal of the Korea Contents Association
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• v.15 no.6
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• pp.411-420
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• 2015

With the rapid increase in the price of house lease, a unique housing form in Korea, a serious social issue has been raised as to the use value of house lease and residence stability of the ordinary people. This study thus aimed to analyze the direct factors that affect lease guaranteed loan and market volatility in order to explore the right direction of financial policy to reduce housing burdens. To this end, the direct variables affecting house lease guaranteed loan, including lease price, transaction price and lending rate, were defined. Vector Error Correction Model (VECM), a time series analysis, was employed to dynamically explain the data. Based on the house lease prices and bank data on loans between January 2010 and December 2014, it was found that the increase in lease price was the direct result of the increase in lease guaranteed loan, not that of the decrease in lending rate or increase in housing transaction price.

• Journal of the Korean association of regional geographers
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• v.11 no.6
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• pp.620-639
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• 2005

In terms of loan transactions, mortgage volume secured by housing in Korea is the most important market share. Hitherto housing finance policies are treated as a kind of property pricing policy. So it is time to import financial systems on behalf of the mortgage loan consumers like a mortgage broker. A mortgage broker is an intermediary that brings a borrower and a creditor together to obtain a mortgage loan. The broker takes the application, performs a financial and credit evaluation, produces documents, and closes the loan. Especially mortgage brokers present themselves as specifically acting in the interest of the consumer by shopping on behalf of the consumer for the best product that meets the consumer's needs and financial circumstances. The paper investigates the economic role of mortgage broker, foreign systems focused on USA, UK, Japan, and characteristics of Korean housing finance markets. Finally the paper provides policy recommendations about Korean mortgage broker system composed of licensing type, uniform professional practice standard, educational requirements.