• KSII Transactions on Internet and Information Systems (TIIS)
• /
• v.15 no.10
• /
• pp.3627-3641
• /
• 2021

Fintech, which stands for financial technology, is growing fast globally since the economic crisis hit the United States in 2008. Fintech companies are striving to secure a competitive advantage over existing financial services by providing efficient financial services utilizing the latest technologies. Fintech companies can be classified into several areas according to their business solutions. Among the Fintech sector, peer-to-peer (P2P) lending companies are leading the domestic Fintech industry. P2P lending is a method of lending funds directly to individuals or businesses without an official financial institution participating as an intermediary in the transaction. The rapid growth of P2P lending companies has now reached a level that threatens secondary financial markets. However, as the growth rate increases, so does the potential risk factor. In addition to government laws to protect and regulate P2P lending, further measures to reduce the risk of P2P lending accidents have yet to keep up with the pace of market growth. Since most P2P lenders do not implement their own credit rating system, they rely on personal credit scores provided by credit rating agencies such as the NICE credit information service in Korea. However, it is hard for P2P lending companies to figure out the intentional loan default of the borrower since most borrowers' credit scores are not excellent. This study analyzed the voices of telephone conversation between the loan consultant and the borrower in order to verify if it is applicable to determine the personal credit score. Experimental results show that the change in pitch frequency and change in voice pitch frequency can be reliably identified, and this difference can be used to predict the loan defaults or use it to determine the underlying default risk. It has also been shown that parameters extracted from sample voice data can be used as a determinant for classifying the level of personal credit ratings.

• Journal of the Korean Society for Library and Information Science
• /
• v.55 no.2
• /
• pp.131-146
• /
• 2021

In this study, overlapping recommended books in different schools were positively analyzed and the extent to which the recommended books leading to actual loan was statistically analyzed. The purpose of the study is to confirm the effects of recommended books by analyzing the data and extracting the proofs. For the method of research, eighteen elementary schools' recommended book lists and thirteen elementary schools' loan data were collected and compared by schools, by grades in a basic statistical analysis method. The result shows that recommended books similarity was low and recommended books affected the total volume of lend books. Loan frequency by grades showed the difference and in every school, lower grades had high loan frequency. The result of this study will be applied as basic data for applying recommended books in school libraries.

• Journal of the Korean Society for Library and Information Science
• /
• v.58 no.1
• /
• pp.123-149
• /
• 2024

The purpose of this study is to present a plan to simplify the issuance of public library loan membership cards for children under the age of 14, and to devise measures to promote the convenience of using public libraries and to promote their use. To this end, related laws and systems, related services, and systems were analyzed. The issuance cases for each type were derived and analyzed by thoroughly investigating the procedure for issuing loan membership cards for children under the age of 14 in 1,211 public libraries nationwide, and focus group interviews were conducted. Based on this, the "double diamond model" was employed among service design methodologies to propose step-by-step guidelines for simplifying the procedure for issuing public library loan membership cards for children under the age of 14, as well as improving the environment, such as the roles of stakeholders, laws, and systems.

• Korean System Dynamics Review
• /
• v.13 no.1
• /
• pp.63-80
• /
• 2012

This paper is aiming at providing the systems thinking perspective on the collapse of the savings and loan banking system in Korea. Two causal loop diagrams are developed to conduct the analysis: The first is focusing on the structural problems included in the establishment of S&L banking in 1990s. The later is developed based on the project financing mechanism by controlling the credit standard required during the due diligence. The result of this study shows that the main cause of the collapse of the S&L banking is the structural problem connected to real estate market including the failure of regulation.

• International journal of advanced smart convergence
• /
• v.2 no.2
• /
• pp.23-26
• /
• 2013

Social networking services that connect a person to other people are attracting people's attention and various types of services are provided on the Internet. Library has been playing a role of social media by providing us with materials such as books and magazines, and with a place for reading, studying, getting lectures, etc. In this paper, we present a method for finding candidates of groups of the library's patrons who share interest areas by utilizing the loan records, which are obtainable in every library. Such a homogeneous group can become a candidate for a study group, a community for exchange ideas, and other activity group. We apply the method to a collection of loan records of a university library, find some problems to be solved, and propose measures for more detailed solutions. Even though the potential group finding problem still remains a lot of issues to be solved, its potential importance is very high and thus to be studies even more for future applications.

• IE interfaces
• /
• v.24 no.4
• /
• pp.295-303
• /
• 2011

This paper presents a discrete time optimal asset buying problem with a predetermined final deadline where an available budget is limited. A cost is paid to search for assets called the search cost. A seller who shows up offers a price for the asset and then the buyer decides whether or not to buy the asset by comparing the offered price to his optimal selection threshold. When the budget becomes less than the search cost or the price of the asset the buyer can get a necessary loan with some interests. We clarify the properties of the buyer's optimal selection threshold in order to maximize the expected value of budget which is left after paying all the search costs and the price of the asset at that point in time.

• International Journal of Internet, Broadcasting and Communication
• /
• v.6 no.1
• /
• pp.5-8
• /
• 2014

Social networking services that connect a person to other people are attracting our attention and various types of on-the-network services are provided. Library has been playing a role of social media by providing with materials such as books and magazines, and with a place for reading, studying, getting lectures, etc. In this paper, we present a method for finding candidates of groups of the library's patrons who share interest areas by utilizing the loan records, which are obtainable by every library. Such a homogeneous group can become a candidate for a study group, a community for exchange ideas, and other activity group. We apply the method to a collection of loan records of a university library, find some problem to be solved, and propose measures for more detailed solutions. Even though the potential group finding problem still remains a lot of problems to be solved, its potential importance is very high and thus to be studies even more for future applications.

• MALSORI
• /
• no.35_36
• /
• pp.25-36
• /
• 1998

The prosodic properties of Korean and English stress were examined with focus on syllable duration and pitch by loan words. 14 loan words were selected by the criteria of the numbers of syllables and stress positions. 3 Korean males using Seoul dialect and 3 American males using general American English served as subjects. Each tokens were uttered 3 times and second one was chosen to be analysed by CSL. We measured the duration and F0 of each syllable. In English, duration is the most salient acoustic correlates of stress, and pitch is the second. In Korean, by contrast, it seems that neither duration nor pitch is the acoustic features of stress, from our data

• Cross-Cultural Studies
• /
• v.24
• /
• pp.99-111
• /
• 2011

This paper is a comparative study of English loans in Russian and Swahili. In the twenty first century, due to the advantage of English as a global language, a language of technology and business, it has had contact with many languages of the world and has become a major source of loans to many languages. Though very different from each other, both Russian and Swahili currently have English as their main source of loanwords. This study reports the extensive adaptation of English loans by Russian and Swahili and examines how these loan items are assimilated into the two languages. It concludes that besides the adaption of pure English loans they have both employed other strategies such as loan translations, semantic extensions and loanblends for vocabulary expansion.

• International conference on construction engineering and project management
• /
• 2009.05a
• /
• pp.1015-1022
• /
• 2009

Currently, Korean real estate market has experienced cooling down of the business because of the global economic crisis which resulted from the subprime mortgage lending practice. In response, the Korean government has enforced various policies at the base of deregulating real estate speculation, such as increasing Loan to value ratio (LTV) in order to stimulate housing demand and supply. However, these policies seemed to result in deep confusion in the Korean housing market. Furthermore, analysis for housing market forecasting, especially international financial crisis on Korean real estate market, has been partial and fragmentary, therefore comprehensive solution and systematical approach is required to analyze the real estate and real estate financial market including causal nexus between market determining factors. In an integrated point of view, applying the system dynamics modeling, the paper aims at proposing Korean Real Estate and Mortgage market dynamics models based on fundamental principles of housing market determined by supply and demand. We also find the impact of deregulation policies focusing on mortgage loan which is the main factors of policies.