• 아태비즈니스연구
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• 제11권3호
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• 한국생활과학회지
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• 제12권1호
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• pp.1-13
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• 2003

The purpose of this study was to explore the effects of the attachment to mothers and peers and the depression on the adolescent delinquency. The subjects were 516 eleventh grade students in the liberal and the commercial high schools in Busan. The subjects rated on questionnaires by themselves regarding the attachment to mothers and peers, the depression and the latent delinquency. The major findings of this study were as follows: 1) Adolescents in the commercial high school had more delinquency rate than those in the liberal high school. And the male adolescent had more delinquency rate than the female one. 2) The attachment to mothers and the kind of high school attended significantly predicted the male adolescent's depression. The attachment to mothers and peers significantly predicted the depression of the female adolescent. The relative influence of the attachment to mothers on the prediction of male and female adolescent's depression was the strongest among all the varibles. 3) The kind of high school had a first direct effect on the male and female adolescent's delinquency rates and was the first contribution factor. The attachment to mothers had both direct and indirect negative effect for female and an indirect negative effect for male on the adolescent delinquency rate through depression. But the attachment to peers had a direct positive effect on both male and female adolescent's delinquency. Depression had a direct effect on male adolescent delinquency.

• 한국콘텐츠학회논문지
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• 제18권4호
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• pp.416-427
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• 2018

부동산PF는 대출의 상대적 규모가 커서 연체가 발생되면 시장의 파급력도 커진다. 따라서 부동산PF 연체율에 대한 관리와 거시경제적 분석이 필요하다. 선행연구에서는 주로 개별 은행의 부동산PF 데이터를 통한 미시적인 분석을 진행하여 리스트의 중요성을 평가하거나, 연체에 대한 결정요인을 분석하여 전체적인 부동산PF 규모에 의한 연구가 미흡하였다. 본 연구는 이러한 자료의 한계점을 극복하고자 거시경제변수에 따른 시장전체의 부동산PF 연체율에 대한 영향관계를 연구하였다. 본 연구는 부동산PF 대출규모, 통화량, 금리, 소비자물가지수, GDP 자료를 활용하였으며, 공적분검정 결과 적어도 2개 변수 이상에서 선형관계가 이루어짐에 따라 VECM의 1차 모형을 적용하였다. 그랜저인과관계 결과 부동산PF 연체율은 부동산PF 대출금액에 영향을 받으며, 충격반응결과 통화량, 소비자 물가지수, 금리, 대출금액, GDP 순으로 연체율에 큰 영향을 주는 것으로 나타났다. 향후 부동산PF 자금 대출 이후 금리 상승은 부동산PF 연체율에 부담을 주게 되며, 통화량의 증가는 물가의 상승을 유도하여 결국 금리상승으로 이어질 수 있어 대출규모가 클수록 위험성의 노출이 심각해 질 수 있다. 따라서 부동산PF 연체율의 관리는 대출 이후 거시적 관점에서 자금 회수에 지속적 추적과 관찰이 필요하며, 이를 통해 연체율 방지를 위한 관리방안이 필요할 것이다.

• 대한안전경영과학회지
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• 제11권4호
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• pp.261-267
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• 2009

The purposes of this article is to analyse how market competition of credit card company affect price(interest rate) and survival length of card users. This paper uses individual account data from a large Korean credit card company during the periods from 2002 to 2006. The findings of our study are as follows. First, market competition of credit card company have a negative effect with interest rate of credit card. Second, market competition of credit card company have a affirmative effect with survival length. Finally, The effect of Increasing delinquency rate due to price increase is smaller than decreasing delinquency rate due to extending survival length.

• 한국학교보건학회지
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• 제11권2호
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• pp.171-187
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• 1998

In recent years, adolescent issues including smoking, drinking, drug abuse, juvenile delinquency, deviant sexual behavior, mental health problems, high suicide rate, juvenile delinquency and absence without due notice, etc are emerging as serious social problems and the debate on these controversial issues is heating up. The previous studies on adolescent health behavior and social juvenile delinquency such as run-away from home and absence without due notice have been conducted mostly by cause analysis utilizing social demographic factors or biological factors. In other words, the main factors analyzed were demographic and economic factors or parent's educational level, etc, which were the fixed environmental ones that were unable to cause the change in the health behavior. Accordingly, the purpose of this study is to analyze factors which are changeable and fixable among the factors influencing the adolescent's health behavior and misconducts and, eventually influencing factors which can be used as the basis to establish health policies and health promotion program to reduce the health risk behavior and misconducts of adolescents. The study subjects were selected by dividing senior high school student in Seoul by region and through random sampling. The 890 subjects were selected from 10 schools including the preparatory school, vocational schools and institutional schools. The duration of the study was for July 1-5, 1997 for the first survey and the second one, for August 25-September 10. Regarding the analysis method, the SAS program was used. The adoptablity of theoretical model was tested through covariance structural analysis utilizing PC-LISREL 8.12 Program. The major findings of the study are as follows: As a result of establishing the model of factors influencing health behavior and juvenile delinquency, in case of male students as the health behavior self-efficacy, education level of fathers, economic level, self-control and the health interest of parent were higher, students were more likely to practice the health promoting behavior. Juvenile delinquency and health risk behavior were prevalent among those with the less shyness, the lower health behavior self-efficacy, lower self-control, lower self-assertiveness, lower economic level. The self-control was the most powerful factor. In case of female students, those with higher health behavior self-efficacy were more likely to practice the health promoting behavior whereas those with lower health behavior self-efficacy, lower self-control, lower self- assertiveness, less shyness were more likely to practice health risk behavior and juvenile delinquency. In case of prep schools, those with higher health behavior self-efficacy and better perceived health status were more likely to practice the health promoting behavior while those with less shyness, lower health behavior self-efficacy and lower academic achievement were more likely to engage in health risk behavior and juvenile delinquency. In case of vocational schools, as health behavior self-efficacy and economic level were higher, the practice rate of health promoting behavior was higher. As the self-control, shyness, self-assertiveness, health behavior self-efficacy were lower, the rate of health risk behavior and juvenile delinquency were higher. In case of social institutional schools, as, the health behavior self-efficacy, social support and economic level, health interest of parents were higher, the rate of health promoting behavior were higher. As the self-control, shyness, self-assertiveness, health behavior self-efficacy and social support were lower, the rate of health risk behavior and juvenile delinquency were higher. So the health promoting behavior was positively related to the health behavior self-efficacy, health interest of parents, social support, education level of fathers, level of perceived health status, economic level. The health risk behavior and juvenile delinquency were higher with the lower health behavior self-efficacy, self-control and self-assertiveness, lower health locus control, less shyness and loneliness, lower economic level and academic achievement. In conclusion, the health risk behavior and juvenile delinquency can be reduced by enhancing self-control, self-assertiveness, health behavior self-efficacy and social support. According to the final model drawn by connecting health behavior and juvenile delinquency, the reduction of health risk behavior can greatly contribute to decreasing social juvenile delinquency as the process of juvenile delinquency was extended from common behaviors to problem behaviors and further into juvenile delinquency.

• 한국콘텐츠학회논문지
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• 제11권6호
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• pp.311-325
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• 2011

청소년 범죄는 사소한 비행에서 시작되어 재범을 반복하는 생활을 하기 쉬운 첫 단계로 초기 단계에서 적극적인 선도대책을 시행함으로써 청소년 범죄를 감소시킬 수 있는 방안 마련이 시급하다. 비행 소년 범법 소년 사건처리에서 가장 중요한 것은 법적인 절차로 판단을 내리는 것 보다는 선도절차에 초점을 맞추어 재범을 방지하고 사회의 정상적인 구성원으로 복귀시키는 것이 최상의 방안이다. 이러한 맥락에서, 비행소년 범법 소년의 재범률 감소를 위한 다이버전 프로그램 개발 및 활성화 방안으로 전문가 활성화 및 초범에 대한 적절한 대응, 부모교육의 필요성, 멘토의 활성화, 후속 프로그램 개발을 제시하였다.

• 한국인공지능학회지
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• 제9권1호
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• pp.21-27
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• 2021

In this Paper, Since the 1990s, Korea's credit card industry has steadily developed. As a result, various problems have arisen, such as careless customer information management and loans to low-credit customers. This, in turn, had a high delinquency rate across the card industry and a negative impact on the economy. Therefore, in this paper, based on Azure, we analyze and predict the delinquency and delinquency periods of credit loans according to gender, own car, property, number of children, education level, marital status, and employment status through linear regression analysis and enhanced decision tree algorithm. These predictions can consequently reduce the likelihood of reckless credit lending and issuance of credit cards, reducing the number of bad creditors and reducing the risk of banks. In addition, after classifying and dividing the customer base based on the predicted result, it can be used as a basis for reducing the risk of credit loans by developing a credit product suitable for each customer. The predicted result through Azure showed that when predicting with Linear Regression and Boosted Decision Tree algorithm, the Boosted Decision Tree algorithm made more accurate prediction. In addition, we intend to increase the accuracy of the analysis by assigning a number to each data in the future and predicting again.

• 한국학교보건학회지
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• 제4권2호
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• pp.193-215
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• 1991

This study is aimed at providing basic information applicable to setting up the education programs and strategies to prevent smoking among high school students by analysing smoking behavior and influencing factors. The samples consisted of 814 students, 557 parents and 362 teachers selected randomly from 8 high schools, one from each school district in Seoul. Date Analyses were made through Chi-Square test, Factor Analysis, One Way ANOVA, Multiple Regression, Correlation. SPSS/$PC^+$program was utilized. Smoking behavior (continuous smoking, re-smoking, ex-smoking, never smoking, daily smoking, occasional smoking) were used as dependent variables. Influencing factors (male students, habits, attitudes and knowledge toward smoking, home life, school life, juvenile delinquency, friendship, demographic parent's and teacher's recognition toward male students smoking) were used as in dependent variables. The major findings of the study are as follows : 1. The total smoking rate occupies 41.1% whereas the continuous smoking rate stands at 19.2%, re-smoking rate 9.5%, ex-smoking rate 12.4% and never smoking rate 58.9%. 2. The total smoking rate among high school students is significantly correlated with their monthly expenditures and type of school (p<0.001). The continuous smoking rate also shows the same tendency. As the length of butt get shorter, the current smoking rate increase. The duration of smoking is in proportion to its continuity. The major motive of smoking is curiousity whereas that re-smoking is to follow friend's behavior. The study shows that peer pressure is the most powerful factor influencing smoking behavior of students. Friends and fellow students encourage to pick up smoking and resume smoking even alter one stops smoking. 3. The correlationship between favorable attitudes toward smoking and the current smoking rate and its continuity is statistically significant(p<0.05, p<0.01, p<0.001). 4. The stability and harmony of family life and the current smoking rate show negative correlationship. The daily smoking amount of father is in proportion to the continuity of students' smoking. When parents are in favor of smoking, it is more likely that the experimental smoking rate increase the smoking rate increases, and vice versa. The more acceptable attitudes toward smoking among siblings is also one of the factors to increase the smoking rate and continuity (p<0.001). The more lenient the attitudes of parents toward their children's association with smoking friends, the higher the smoking rate. When students have difficulties in adjusting to school life, it is more likely that the current smoking rate and continuity increase. 5. The continuity of smoking and friendship are significantly correlated (p<0.05, p<0.01, p<0.001). 6. The continuity of smoking and juvenile delinquency are significantly correlated (p<0.001). 7. The difference in attitudes and smoking reasons of parents and students is significantly correlated to different smoking behavior (p<0.01, p<0.001). While smoking knowledge does not significantly influence their smoking behavior, it is noted that in the case of teachers, smoking reason (p<0.05), attitudes (p<0.001) and knowledge (p<0.05) strongly influence their smoking behavior. 8. There is a significantly correlation among the smoking reasons, attitudes and knowledge between students and parents(p<0.001). As for the correlationship between regularity and smoking amount and other influencing factors, the daily smoking amount is in proportion to depth of inhalation and duration of smoking, negative attitudes of parents unstability of family, dissatisfaction of family members, juvenile delinquency, strong smoking reasons and positive attitudes towards smoking. 9. In the case of daily smokers depth of inhalation is significantly correlated to the duration of smoking, juvenile delinquency, acceptability of parents, dissatisfaction of family members and smoking reasons. The duration of smoking motives is significantly correlated to juvenile delinquency, high acceptability of parents, strong smoking motive and positive attitudes toward smoking. 10. It is noted that 40% of parents and 30% of teachers do not recognize the significant correlationship between and the relative influencing factors mentioned above.

• 사회복지연구
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• 제40권3호
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• pp.377-406
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• 2009

청소년의 비행예방을 위한 사회복지실천전략 개발을 목적으로 종단자료를 통한 청소년 비행행동의 잠재집단유형을 확인하고자 하였다. 비행행동의 차별적 발달궤적을 갖는 잠재집단유형의 확인은 이들 집단의 특성을 고려한 맞춤형 실천전략의 수립을 가능케 한다. 이를 위해 본 연구에서는 청소년패널조사의 1-4차년도 종단자료를 이용하여 비행행동의 수준과 변화율이 상이한 잠재집단이 존재할 것으로 가정하는 잠재계층 성장분석을 수행하였다. 그 결과 비행행동의 수준과 변화율이 상이한 4개의 잠재집단을 확인할 수 있었다. 비행행동의 경험수준이 적고 변화율이 거의 없는 규범집단, 측정기간 내내 높은 비행행동수준을 유지하고 있는 비행지속집단, 측정초기에는 높은 비행행동수준을 보이다 점차 감소하는 경향을 보이는 비행감소집단, 낮은 비행행동 수준에서 점차 비행경험이 증가하는 비행증가집단 등 4개의 잠재계층집단을 발견하였다. 잠재계층집단에 대해 청소년 비행행동의 보호 및 위험요인이 미치는 영향력을 확인하기 위해 다항로지스틱분석을 실시한 결과, 부모의 지도감독, 자기통제력, 비행친구와의 교류, 부정적 낙인 등이 잠재계층집단의 분류와 밀접한 관련성이 있는 것으로 나타났다. 최초측정시점인 중학교 2학년시기에서 부모의 지도감독을 많이 받고, 자기통제력이 높으며, 비행친구와의 교류가 적고, 부정적 낙인이 적을수록 비행행동을 경험하지 않는 규범집단에 속할 가능성이 높았다. 가족구조결손, 빈곤가족, 남자청소년의 인구학적 특성과 비행친구와의 교류증가는 비행증가집단과 비행지속집단에 속할 가능성을 높이는 것으로 나타났다. 종단자료를 통해 청소년기 비행행동의 이질적인 성장궤적을 갖는 잠재계층집단을 확인한 연구결과에 기반하여 청소년의 비행행동 예방 및 개입을 위한 사회복지 실천전략을 제시하였다.

• 대한간호학회지
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• 제36권8호
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• pp.1315-1323
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• 2006

Purpose. The present study was intended to compare difference in research variables between delinquent adolescents and student adolescents, and to analyze discriminative factors of delinquent behaviors among Korean adolescents. Methods. The research design of this study was a questionnaire survey. Questionnaires were administered to 2,167 adolescents (1,196 students and 971 delinquents), sampled from 8 middle and high school and 6 juvenile corrective institutions, using the proportional stratified random sampling method. Statistical methods employed were Chi-square, t-test, and logistic regression analysis. Results. The discriminative factors of delinquent behaviors were smoking, alcohol use, other drug use, being sexually abused, viewing time of media violence and pornography. Among these discriminative factors, the factor most strongly associated with delinquency was smoking (odds ratio: 32.32). That is, smoking adolescent has a 32-fold higher possibility of becoming a delinquent adolescent than a non-smoking adolescent. Conclusions. Our findings, that smoking was the strongest discriminative factor of delinquent behavior, suggest that educational strategies to prevent adolescent smoking may reduce the rate of juvenile delinquency. Antismoking educational efforts are therefore urgently needed in South Korea.