• 한국벤처창업학회:학술대회논문집
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• 2017.04a
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• pp.52-52
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• 2017

글로벌 금융위기 이후 다양한 형태로 등장한 금융상품과 ICT의 결합은 그 동안 생각하지 못한 방식으로 전 세계에 다양한 수요를 충족시키면서 폭발적으로 성장했다. 하지만 IT강국이라고 자부하는 대한민국은 다양한 규제와 시스템의 복잡성 때문에 은행상품이 온라인에서 거래되는 것은 아직까지 익숙하지 않다. 다행히 이러한 규제가 조금씩 완화되어 가면서 2016년은 모바일 송금, 금융상품 추천 플랫폼 등 비 금융업체 주도의 금융시장 온라인화가 소극적으로 이루어지는 과도기로 볼 수 있다. 이러한 시점에서 기존 오프라인 채널이 아닌 온라인 채널을 통해 금융상품을 구매하거나 가입하는 고객의 만족요인에 대해 연구하는 것은 향후 폭발적으로 증가할 수요에 앞서 연구하고, 현상을 주도할 기업에서도 소비자의 만족요인을 미리 파악한다는 점에서 시기적으로 적절하다. 해당 연구는 신용대출, 정기예금, 전세대출, 주택담보대출, 정기적금, 그리고 P2P투자 상품 별 만족도에 영향을 미치는 요인과 영향력을 SERVPERF 모델을 이용하여 분석한 뒤, 회귀분석과 텍스트간의 공동 출현단어에 대해 파이선을 통해 메트릭스를 형성하고, 사회연결망 분석으로 네트워크 중심성을 분석하여 단어간의 관계를 살펴보았다. 해당 연구는 국내 최초 온라인 금융상품 비교 추천 플랫폼인 "Finda"의 리뷰/평점데이터를 이용하였다.

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.24 no.4
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• pp.115-131
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• 2013

The goal of this study is to analyze use patterns of library collections using circulation statistics of academic library user's. For this purpose, the 264,804 circulation-related data of A-academic library which were occurred between March 2012 and February 2013 were collected and used. Five patterns of common user group (undergraduate, graduate students, professors, staffs, the others users) are identified for this study. Gross circulation statistics was analyzed and compared for different users groups and for different subjects. And based on these analysis results, author understood degree of collection use by subject, degree of collection use by user groups, latest materials preference in collection use by subject, latest materials preference in collection use by user groups.

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.30 no.4
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• pp.255-274
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• 2019

In this study, we analyzed Circulation data of Law library in the S university for one year in 2018 and analyzed whether the Library holdings are actually used for education and research. First of all, this study analyzed user patterns by analyzing subjects, languages, and publication years for books that were circulated for one year from the ALMA system which is an S university library system. In addition, we analyzed how the current library holdings were used or cited in course syllabi and research papers written by members in S university. The results from this study can be used as an important basic data for effective collection development.

• Journal of the Korean Society for information Management
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• v.35 no.3
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• pp.271-286
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• 2018

The purpose of this study is to measure the outcomes of a program provided by a public library using the evaluation framework based on Logic Model. A reading program for children which was operated by a public library in Seoul was selected. The outcome evaluation was started with the analysis of the reading program process including planning, operation, and evaluation. Based on the analysis, a logic model framework for outcome evaluation was developed. For evaluation, user, bibliography, and circulation data were collected from the library KOLAS system. Additionally, the participant information were extracted from the final report drafted after the program. The research results show that the number of circulation of program participants was increased after the program. In addition, the range of reading topic was expanded. These findings indicate that the reading program is an effective program for promoting children's reading habit and that outcome evaluation might be a valid tool to measure the effectiveness of public library programs.

• Proceedings of the Korean Information Science Society Conference
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• 2011.06a
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• pp.251-254
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• 2011

본 논문에서는 도서관 정보시스템에서 보다 개인화된 추천 서비스를 제공하기 위하여, 사용자 기반 협업 필터링의 희소성 문제를 해결하기 위한 방안을 제시한다. 이를 위하여 아이템을 메타데이터 속성인 주제분류번호를 이용하여 동일 주제의 자료끼리 군집화하고 주제군집에 대한 선호도 점수를 추출하여 이를 사용자 유사도 계산에 사용하였다. 실험을 위하여 실제 연세대학교 도서관에서 동양서를 대출한 35,238명의 총 659,792건 대출/반납건수 데이터를 사용하였으며, 제안된 방법의 성능을 평가하기 위하여 기존의 사용자 기반 협업 필터링과 비교한 결과, 정확도에서는 큰 차이가 없었으나 Coverage가 크게 향상되었음을 확인하였다.

• Proceedings of the Korean Society for Information Management Conference
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• 2014.08a
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• pp.209-212
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• 2014

본 연구는 한국 공공도서관의 소셜 미디어 마케팅이 실제로 어떤 효과를 나타내고 있는지를 실증적으로 검토하기 위해 수행되었다. 분석에는 공공도서관의 2012년 트위터 사용 데이터, 국가도서관 통계를 사용하였다. 트위터를 활용한 그룹과 활용하지 않은 그룹 간의 대출량 및 이용자량 변화에 대한 t검정, 트위터 활동 데이터와 대출량 및 이용자량 변화 간의 선형 회귀분석이 수행되었으며, 그 결과 두 분석 모두 유의한 결과를 도출하지 못하였다. 이를 기반으로 표본 문제, 트위터 계정 활용 문제, 성과 지표 문제를 제시하였다.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.7 no.3
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• pp.65-73
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• 2012

Microfinance has been an important tool for the economic growth and poverty alleviation. But the success factors and risk factors have not been synthesized in academic literature. This article has paid attention to success factors and potential risk of the Grameen Bank. Grameen Bank methodology is almost the reverse of the conventional banking methodology. Conventional banking is based on the principle that the more you have, the more you can get. Founder of Grameen Bank, Professor Yunus pointed out that, "The least you have the highest you have the priority to receive a loan". On the basis of theoretical literature, there have been different kinds of success factors of microfinance observed in this paper. Key success factors of Grameen Bank are like these: innovation, strict administrative structure, adaptation and learning practice, incentive system. Complementary services such as business consulting and brokerage will contribute to borrowers' economic performance development.

• Journal of Intelligence and Information Systems
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• v.29 no.3
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• pp.419-437
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• 2023

As the number of thin filers in Korea surpasses 12 million, there is a growing interest in enhancing the accuracy of assessing their credit default risk to generate additional revenue. Specifically, researchers are actively pursuing the development of default prediction models using machine learning and deep learning algorithms, in contrast to traditional statistical default prediction methods, which struggle to capture nonlinearity. Among these efforts, Graph Neural Network (GNN) architecture is noteworthy for predicting default in situations with limited data on thin filers. This is due to their ability to incorporate network information between borrowers alongside conventional credit-related data. However, prior research employing graph neural networks has faced limitations in effectively handling diverse categorical variables present in credit information. In this study, we introduce the Transformer embedded Graph Convolutional Network (TeGCN), which aims to address these limitations and enable effective default prediction for thin filers. TeGCN combines the TabTransformer, capable of extracting contextual information from categorical variables, with the Graph Convolutional Network, which captures network information between borrowers. Our TeGCN model surpasses the baseline model's performance across both the general borrower dataset and the thin filer dataset. Specially, our model performs outstanding results in thin filer default prediction. This study achieves high default prediction accuracy by a model structure tailored to characteristics of credit information containing numerous categorical variables, especially in the context of thin filers with limited data. Our study can contribute to resolving the financial exclusion issues faced by thin filers and facilitate additional revenue within the financial industry.

• Journal of the Korean BIBLIA Society for library and Information Science
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• v.29 no.4
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• pp.251-267
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• 2018

In this research, a sample was selected from a public library in Paju city, which operates a regional collaborative library system. They collected data on materials, usage, and acquisition. An analysis of book collection data and usage data was also conducted in order to evaluate the correlation between the usage and acquisition by comparing overlap of purchased materials. As a result, circulations and the interlibrary loan (ILL) borrowing requests were differentiated by topics according to targeted materials, and that these characteristics affect the overlap of purchased materials. The study suggested that public libraries in the region collaborative library system need to consider the paradigm of collection and access when purchasing books.

• The Journal of the Korea Contents Association
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• v.18 no.4
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• pp.416-427
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• 2018

As the loan size of real estate PF is huge, its market ripple effect gets bigger when overdue occurs. Accordingly, the management of the delinquency rate and macroeconomic analysis are required. As the preceding research mainly proceeded with microeconomic analysis through the real estate PF data of individual banks to evaluate importance of list or analyzed core factors for delinquency, it lacked research on comprehensive real estate PF size. In order to overcome the limitations of such data, this research studied real estate PF delinquency rate of the entire market and effect relationship by the size. The research utilized the size of real estate PF loans, money supply, interest rate, consumer price index(CPI), and GDP data. Also, it applied the first model of VECM as linear relationship between at least two or more variables, following the result of co-integration test. As a result of Granger-causality test, the real estate PF loans delinquency rate is influenced by their loan size, and as a result of impulse response analysis, the interest rate is shown to be affecting delinquency rate the most. Interest rate could risesomeday and aggravate the delinquency rate of real estate PF. Also, risk exposure could be serious as the loan size increases.Therefore, the management of real estate PF delinquency rate requires continuous monitoring, tracking and observing issued loans from a macro point of view. The plans to prevent delinquency will be necessary.