• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.12
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• pp.3768-3774
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• 2009

This paper explored how soft information and hard information were used when SBC(Small Business Corporation, Korea) reviewed government loan applications. The data set is made up of financial and non-financial data of small-business firms since 2004. A non-financial data set is considered as soft information. Relative importance of three kinds information such as credit information, soft information, financial information is compared with each other by using the logit model. As a result, credit information is most critical to the loan approval, and then soft information follows, lastly financial information has the smallest effect on the loan approval. This is because the credit information is made up of the non-linear combination of soft information and financial information. When the relative importance of soft information and financial information is considered, soft information is relatively more critical to the loan approval then financial information. This is because financial ratios provided by small-business firms are not reliable enough.

• Journal of the Korea Society of Computer and Information
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• v.16 no.7
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• pp.183-190
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• 2011

Loan amount of housing mortgage is composed of various factors. This study paper studies focuses on estimating the determinants of a loan amount of housing mortgage. The region for analysis consist of seven groups, that is, metropolitan city (such as Busan, Daegu, Incheon, Gwangiu, Daejeon, Ulsan.) and Seoul. Analyzing period be formed over a 45 time points(2007. 01.~ 2010. 09). In this paper the dependent variable setting up loan amount of housing mortgage, explanatory(independent) variables are composed of the consumer price index, unemployment rate, average monthly household income per household, expenditure rate of health care, composite stock price index and overdue rate of household loans for commercial bank. In looking at the factors which determine loan amount of housing mortgage, evidence was produced supporting the hypothesis that there is a significant positive relationship between the consumer price index and unemployment rate. The study also produced evidence supporting the view that there is a significant negative relationship between expenditure rate of health care. The study found that average monthly household income per household, expenditure, composite stock price index and overdue rate of household loans for commercial bank were not significant variables. The implications of these findings are discussed for further research.

• Journal of the Korean Society for information Management
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• v.38 no.3
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• pp.311-334
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• 2021

The purpose of this study is to present the theoretical basis and quantified objective standards for the establishment of collection management policy. The study results are summarized as follows. Most of the study books were in the form of periodicals as a steady seller. Most of the steady sellers were textbooks which published periodically. As a modern novel, a steady seller was able to confirm the phenomenon of dependence on a specific author. Bestsellers were investigated to be influenced by publishers and authors. Books of publishers that publish comics and children's textbooks had a significant correlation with the selection of bestsellers. The average number of recommended books borrowed per recommended book was 14,871. The average number of loans per book selected as a bestseller was 53,531. Based on the loan data, about 80-82% of all top-tier loans were covered by 90%, and about 27-29% of all top-ranked loans were covered by 50%. This shows that the Pareto Principle can be firmly applied to public library lending patterns. Loans in the field of literature accounted for 50.6% of the total loans. Among literature, Korean literature accounted for 51.3% of the total. The natural sciences were generating more loans with a relatively small pool of literature compared to other subject fields.

• The Journal of the Convergence on Culture Technology
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• v.8 no.4
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• pp.83-89
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• 2022

This study analyzed the effect of bank loans on housing prices, classified bank loans into bank total loans, household loans, and real estate mortgage loans, and analyzed housing prices by dividing them into national-level, regional-level, and Seoul-level housing prices. The main analysis results are as follows. First, it was found that the increase in total bank loans significantly increased housing prices across the national-level, regional-level and Seoul-level. Second, it was found that household loans had a positive effect on regional-level housing prices, but were not statistically significant. In addition, the effect of bank loans on regional-level housing prices was found to be relatively small compared to the effect on national-level housing prices. Third, it was found that there was a difference in the effect of bank loans on regional-level housing prices and Seoul-level housing prices. Fourth, inflation and bank total loans had a significant positive effect on regional-level housing prices with a lag in the first quarter, and short-term interest rates had a significant negative effect on Seoul-level housing prices with a lag in the first quarter. Overall, it was found that the effect of bank loans on housing prices had a positive effect about twice that of Seoul-level rather than regional-level.

• The Journal of the Convergence on Culture Technology
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• v.7 no.4
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• pp.1-7
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• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

• Journal of the Korean Society for information Management
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• v.32 no.3
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• pp.261-276
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• 2015

The aim of this study is supporting efficient development of library collection and improvement of library service for users by analyzing utilization patterns of library collection using circulation statistics of medical library users. With this purpose, circulation statistics were extracted from 90,420 cases of circulation records in A library for recent 3 years (from 2012 to 2014). Specifically, circulation data categorized according to status and subject, loan data of most popular books and use data of inter-library loan service were collected and analyzed. Subject groups of this study are undergraduate students, graduate students and incumbent hospital employees including faculty members, training members and nondoctor members. For the result, medical library users intensively lent materials of Technology (Applied Sciences), Literature and Social science areas. Especially, the demand of the materials of literature was higher than the demand of the other subject areas compared in the base of collection development.

• Journal of the Korean Society for information Management
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• v.30 no.3
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• pp.229-247
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• 2013

This study analyzed the difference between the two situations to verify the effectiveness of the book selection by the subject professionals in a academic library. In this, some circulation statistics before and after introduction to subject specialists were compared. Moreover, by using Minitab and t-test, ANOVA among other statistical techniques, 186,435 books selected 3 years before September 2005 and after 3 years and 622,213 circulation statistics about those books in 'S' University Library were compared and analysed. The results were as follows: (1) After introduction to the subject librarian, the proportion of books selected by librarians were increased. (2) After introduction to subject reference librarian, the foreign books selected by the faculty and the librarians were statistically significantly increased. (3) By academic field, the academic fields of the books selected by the faculty were significantly increased, but the academic fields of the books selected by the students were significantly decreased.

• The Journal of the Korea Contents Association
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• v.16 no.11
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• pp.644-660
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• 2016

With the development of Fintech industry, research interest in crowdfunding is growing. Crowdfunding, originated from crowdsourcing, involves the participation of many individuals' contributions to funding a new project. Specifically, lending based crowdfunding provides a platform for raising funds in the form of loans by connecting borrowers to funders(investors) via Internet, not through traditional financial institutions. Recently, lending based crowdfunding attracts much attention as a new investment alternative; however, there is a lack of research about lending based crowdfunding. This study aims to examine the factors influencing an investor's participation in lending based crowdfunding by focusing on platform features, investor features, and project features. Based on the findings, this study discusses theoretical and practical implications for promoting the crowd's investments through crowdfunding platforms.

• 한국벤처창업학회:학술대회논문집
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• 2007.11a
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• pp.81-109
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• 2007

The loan rate of the government loan program offered by the Small Business Corporation(SBC) can be determined as a sum of three factors such as a reference interest rate, a policy aim spread, and a credit risk spread. However the loan rate has been lower than the loan rate in the banking sector. The profit has continually run in the red figures and hence the stability the fund managed by the SBC has been damaged. Even though a policy aim spread could be emphasized, the stability and profitability of the fund should be prioritized. This means that the loan rate of the SBC should be determined such that the loss might not be occurred. This requires the policy aim spread to change from relatively large negative to near zero.

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.20 no.1
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• pp.39-57
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• 2009

The two urban-area public libraries and two rural ones that are located in the Gyungsangnam-do province were selected for this paper, and the circulation records in 2007 were collected, and both MS-excel and SPSS were used for their analysis. The collected data were categorized into their collection type, circulation frequencies, and subjects. Also the four libraries were compared and analyzed again for the purpose of comparing the characteristics of the public libraries in urban and rural areas. The number of circulated books, lent number, use factor, and the number of publication lapse year were extracted and analyzed using various types of statistical methods such as correlation coefficient and nonparametric chi-square analysis, etc. as well as descriptive ones.