• Title/Summary/Keyword: 대출 통계

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An Analysis of the Correlation between Basic Indicators of Public Library Operation and Usage Performance: Focusing on the use of Public Libraries in Seoul by Residence, Educational Background, and Income (공공도서관 운영의 기본지표와 이용실적과의 상관관계 분석 - 서울시 공공도서관의 거주지별 학력별 소득별 이용을 중심으로 -)

  • Cho, keumju
    • Journal of Korean Library and Information Science Society
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    • v.52 no.4
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    • pp.79-102
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    • 2021
  • This research is based on open data from the National Library Statistics System and Seoul Survey 2020 from Seoul to analyze the Seoul citizens' usage of public libraries. For such purposes, this research compared and diagnosed the condition of public libraries services at 25 districts of Seoul, focusing on objective indicators of library management and general usage records to understand the correlations between the two. Objective indicators such as budgets, human labor, the number of books, and total ground area were compared with usage records of different classes of Seoul citizens, organized by the citizens' place of living, educational background, and monthly household income. As a result of the research, the correlation between the objective indicators and public usage records of different classes was confirmed. Seoul citizens' usage of public libraries and reading tendency were identified. In addition to, a balanced development of the public libraries in Seoul was proposed to overcome regional disparities and leveling the service level by investigating usage behavior and reading tendency of the public libraries in Seoul.

Comparative Analysis on the Statistics of Academic Libraries of Major Universities in South Korea and North America (국내 및 북미 주요 대학의 도서관 통계 비교 분석)

  • Choi, Jae-Hwang;Lee, Jongwook
    • Journal of Korean Library and Information Science Society
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    • v.51 no.3
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    • pp.197-221
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    • 2020
  • This study aims to compare the statistical indicators of libraries of 57 Korean universities and 116 North American universities using Rinfo and ARL statistics respectively. The authors compared twelve similar statistical indicators and found that North American academic libraries were superior in 'volumes in library', 'electronic books', 'total staff', 'total library materials expenditures', 'total items borrowed', 'total items loaned', 'library presentations to groups', and 'participants in group presentations', compared to Korean academic libraries. Although Korean academic libraries showed higher numbers in 'annual gate count', 'reference transactions', 'initial circulations', and 'full-text article requests', there exist some differences in definitions and scopes of these indicators between Rinfo and ARL, needing cautious interpretation of results. The findings of the study imply the needs of expanding support for academic libraries that play pivotal roles in increasing competitiveness of teaching and research of universities. It was also found that systematic management and improvement for statistical indicators of Rinfo are necessary.

The Impact of Fintech User and Product Characteristics on Intention for Continuous Use (핀테크의 사용자 특성과 제품 특성이 지속 사용의도에 미치는 영향)

  • Ha, Chang-Seung;Jung, Dae-Hyun
    • Informatization Policy
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    • v.23 no.4
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    • pp.59-75
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    • 2016
  • In the era of convergence, more attention is paid to development of Fintech which attempts for innovation of the financial transaction paradigm through ICT. Proliferation of Fintech to engraft finance-related services on mobile and ICT is found in various fields such as loans, investment and asset management in addition to simple payment or remittance services but awareness of consumers regarding the matter is rather low. Therefore, it is the time to conduct a research on various Fintech businesses. This thesis conducted an empirical research from the viewpoint of consumers to investigate influence on continuous use intention of Fintech users. From the user environment perspective, it was found that influence of innovativeness on satisfaction was not statistically significant. In case of the product characteristics, perceived risk did not have statistical significance on satisfaction.

A Study on the Effects of the School Library Revitalization Project: A Case Study of Daegu Metropolitan City (학교도서관 활성화사업의 성과 분석 - 대구광역시의 경우 -)

  • Kwon, Eun-Kyung
    • Journal of Korean Library and Information Science Society
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    • v.41 no.1
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    • pp.319-341
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    • 2010
  • This paper investigates the impact of the School Library Revitalization Project of the Daegu Metropolitan City. The Project started in 2003, and by 2009 it revitalized 374 school libraries or 86% of all school libraries in Daegu. Utilizing statistical analysis and questionnaires, this research is divided into two parts. Part 1 analyzes the progress of annual budgets, facilities, collection, personnel, and the circulation data of the libraries. The other part surveys the following: the effects and the satisfaction level of the Project; the teacher's perception of the library's functions; the qualification of the libraries' personnel; the initiatives for developing the library, policy and future plans of the Daegu Metropolitan Office of Education for the libraries. Three groups participated in the survey: principals, class teachers, and teacher librarians.

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Empirical Study for Financial Statements transfer by K-IFRS on the Insurance Company (보험회사 국제회계기준 적용에 따른 재무제표 전환의 실증연구)

  • Kim, Jong-Won
    • The Journal of the Korea Contents Association
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    • v.13 no.5
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    • pp.387-395
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    • 2013
  • Insurance accounting is the process of identifying, measuring, and communicating economic information to permit informed judgements and decisions by users of the insurance information. With the Korean-International Financial Reporting Standard(K-IFRS) on accounting for insurance contracts to be finalized by 2011 in Korea, the fair value accounting is expected to greatly affect the insurance industry in terms of insurance company' financial statements. This research analyzes the effect of financial statement as K-IFRS on the insurance accounting by comparing the financial statements of the listed company using past insurance accounting standard and the current K-IFRS standard. We analyzed the matched pair sample at loan amount, insurance contract debt, total assets amount, total debts amount, total capital amount in the financial statements of the listed 12 insurance company. We found that insurance contract debt, total assets amount, total debts amount, total capital amount are difference before and after K-IFRS applied insurance company.

A Study on User-oriented Evaluation of Book Collections under a Regional Library System (지역단위 도서관 시스템에서의 이용중심적 장서평가 연구)

  • Park, Young-Ae;Lee, Jae-Yun
    • Journal of the Korean Society for Library and Information Science
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    • v.44 no.4
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    • pp.457-477
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    • 2010
  • Currently, collections with public libraries are evaluated only on the basis of simple data, such as the use volume of collections with individual libraries, and interlibrary lending (ILL) results. To promote the ILL of regional libraries and raise the use of collections, however, the evaluation of collections should be expanded from individual libraries to regional libraries. This study aims to propose user-oriented methods for evaluating the library collections within a regional library system by using four kinds of data: collection, acquisition, circulation, and ILL application data. The results of this study show that the proposed method can reveal the positions of each library within a regional library system, and also the characteristics of a library's collections and users' needs more precisely.

An Analysis of Applications and Issues in Library RFID System (도서관 RFID 시스템의 어플리케이션 및 문제점 분석에 관한 연구)

  • Lee, Eung-Bong
    • Journal of Information Management
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    • v.39 no.2
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    • pp.27-43
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    • 2008
  • This paper analyzes feasibility studies regarding the structure, applications and issues of the library RFID system. In this study, the structure and principle, operation mode and middleware of library RFID system are reviewed in detail, Finally this paper analyzed and proposed the RFID applications that could be efficient to information management and user service of library and the major problems and improvements of library RFID system.

Research on the Application Methods of Big Data within SME Financing: Big data from Trading-area (소상공인의 자금공급 확대를 위한 빅데이터 활용 방안연구)

  • Lee, Ju Hee;Dong, Hak Lim
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.13 no.3
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    • pp.125-140
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    • 2018
  • According to statistics, it is shown that domestic SMEs rely on bank loans for the majority of fund procurement. From financial information shortage (Thin file) that does not provide information necessary for credit evaluation from banks such as financial statements. In order to overcome these problems, recently, in alternative finance such as P2P, using differentiated information such as demographics, trading information and the like utilizing Fintech instead of existing financial information, small funds A new credit evaluation method has been expanding to provide SMEs with small amounts of money. In this paradigm of environmental change, in this research, credit evaluation which can expand fund supply to SMEs by utilizing big data based on trade area information such as sales fluctuation, location conditions etc. In this research, we try to find such a solution. By analyzing empirically the big data generated in the trade area, we verify the effectiveness as a credit evaluation factor and try to derive the main parameters necessary for the business performance evaluation of the founder of SMEs. In this research, for 17,116 material businesses in Seoul City that operate the service industry from 2009 to February 2018, we collect trade area information generated for each business location from Big Data specialized company NICE Zini Data Co., Ltd.. We collected and analyzed the data on the locations and commercial areas of the facilities that were difficult to obtain from SMEs and analyzed the data that affected the Corporate financial Distress. It is possible to refer to the variable of the existing unused big data and to confirm the possibility of utilizing it for efficient financial support for SMEs, This is to ensure that commercial lenders, even in general commercial banks, are made to be more prominent in one sector of the financing of SMEs. In this research, it is not the traditional financial information about raising fund of SMEs who have basically the problem of information asymmetry, but a trade area analysis variable is derived, and this variable is evaluated by credit evaluation There is differentiation of research in that it verified through analysis of big data from Trading-area whether or not there is an effect on.

The Effects of Bail-in System on SME's Loans (채권자 손실분담제도(Bail-in 제도)가 중소기업대출에 미치는 영향)

  • Kim, Sung Woo;Lee, Ki Hwan
    • International Area Studies Review
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    • v.22 no.2
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    • pp.41-59
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    • 2018
  • After global financial crisis, policy makers in major countries tried to find a new bank recovery and resolution policy. The new policy intends to normalize the market not by bail-out approach in which public funds should be provided bankrupt banks, but by market discipline approach in which unsecured creditors take part in liquidation process. Bail-in system is a new and dominant financial policy after crisis period in resolution regimes led by the government administration. This study tries to analyze the relationship between bail-in system and pro-cyclicality. Empirical analysis has been done by taking the basis of the 8 year data from 2008 to 2015, which is selected from financial statistics information system of Korea Financial Supervisory Service. Accounting and financial data are collected from the dataguide 5.0 between 2008 and 2015. Through the analysis, the effect of bail-out system and bail-in system on pro-cyclicality of total loans did not show the statistically significant relationship. However the effect of bail-out system on pro-cyclicality of SME loans showed the statistically significant relationship, meanwhile the effect of bail-in system on pro-cyclicality of SME loans did not show the statistically significant relationship. In conclusion, bail-in system can be useful policy which improves the support and promotion of SMEs.

Relationship Between the Participation of Public Libraries' Educational and Cultural Programs and the Library Uses (공공도서관 교육문화프로그램 참여와 도서관 이용의 관계 연구)

  • Lee, Hye Yun;Lee, Jee Yeon
    • Journal of the Korean Society for information Management
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    • v.31 no.1
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    • pp.277-297
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    • 2014
  • This study examined whether there is any difference in the public library patrons' library uses depending on their participation in the educational and cultural programs of such libraries. Additional analysis was conducted to determine if the particular educational and cultural program participants' showed any consistent library use patterns. The statistical analysis of such program offerings and the patron survey data resulted in the findings such as that there were statistically significant differences in how the patrons' used the libraries, the number of library resources borrowed, and the frequency of library websites and/or mobile applications used based on their participation in the educational and cultural programs and also the types of programs that they attended.