• Korea Real Estate Review
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• v.28 no.3
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• pp.21-35
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• 2018

The recent performance of residential mortgages demonstrated how default risk operated separately from prepayment risk. In this study, we investigated the determinants of the borrowers' decisions pertaining to early termination through default from the mortgage performance data released by Freddie Mac, involving securitized mortgage loans from January 2011 to September 2013. We estimated a Cox-type, proportional hazard model with a single risk on fundamental factors associated with default options for individual mortgages. We proposed a mortgage default model that included two specifications of delinquency: one using a delinquency binary variable, while the other using a delinquency probability. We also compared the results obtained from two specifications with respect to goodness-of-fit proposed in the spirit of Vuong (1989) in both overlapping and nested models' cases. We found that a model with our proposed delinquency probability variable showed a statistically significant advantage compared to a benchmark model with delinquency dummy variables. We performed a default prediction power test based on the method proposed in Shumway (2001), and found a much stronger performance from the proposed model.

• Journal of the Korean Home Economics Association
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• v.36 no.3
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• pp.31-46
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• 1998

The purpose of this study was to examine the relationship between communication with parents of vocational girls' high school students and their problem behaviors, to find out variables which influence them. Data were collected by the second grade 389 students of vocational girls' high school students in Pusan. Major findings were as follows: 1. Problem behaviors were different according to the type of problem behaviors and behavior frequencies. 2. Problem behaviors were influenced positively by the delinquency of friends and negatively by communication with parents and the successful school life. Communication with parents was influenced positively by the harmonious family atmosphere and the successful school life, negatively by stepparent family. 3. Runaway was influenced negatively by the harmonious family atmosphere and positively by the delinquency of friends. Gang fight was influenced negatively by the successful school life and positively by the delinquency of friends. Sex affairs was influenced positively by the delinquency of frends. Suicide trial was influenced negatively by the harmonious family atmosphere and the delinquency of friends, positively by stepparent family and communication with their parents. Gang fight was influenced by school environmental factors and suicide trial was influenced by family environmental factors.

• Journal of the Korea Safety Management & Science
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• v.11 no.4
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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.

• Journal of Intelligence and Information Systems
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• v.9 no.2
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• pp.135-154
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• 2003

Credit scoring system (CSS) starts from an analysis of delinquency trend of each individual or industry. This paper conducts a research on credit card delinquency of bank customers as a preliminary step for building effective credit scoring system to prevent excess loan or bad credit status. To serve this purpose, we use association rules as a rule generating data mining technique. Specifically, we generate sets of rules of customers who are in bad credit status because of delinquency by association rule mining. We expect that the sets of rules generated by association rule mining could act as an estimator of good or bad credit status classifier and basic component of early warning system.

• Journal of Families and Better Life
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• v.31 no.1
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• pp.61-72
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• 2013

This study evaluated Kinetic Family Drawing according to preschoolers' external problem behavior. To achieve this, 120 preschoolers who were four or five years old were investigated and data were statistically analyzed using mean, and chi square analysis with the SPSS Win 13.0 program. The preschoolers' family drawings were analyzed by using the method in Kinetic Family Drawing(Burns & Kaufman, 1972). First, regarding characteristics, the preschoolers in the aggression group rotated certain person or drew the figure from behind, the preschoolers in the delinquency group drew long arms, the figure from behind, and angular forms. Second, regarding action depicted, the preschoolers in both aggression and delinquency groups perceived the lower activity level of their fathers, dangerous situations, and excluded family interaction. Third, regarding symbols, the preschoolers in the delinquency group drew objects such as balls. Finally, regarding drawing style, the preschoolers in the delinquency group drew edges and underline.

• International Journal of Human Ecology
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• v.1 no.1
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• pp.37-58
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• 2000

Data from the National Longitudinal Study of Youth (NLSY) were used to examine factors related to adolescent behavior problems, smoking, and delinquency. This study focuses particularly on the factors in an adolescent s immediate environment such as family, school, peers, and neighborhood (i.e. the microsystems) for the identification, prevention, and early intervention of adolescent behavior problems, smoking, and delinquent behavior. Both African American and Caucasian American adolescents between the ages of 13 and 17 for whom data were available in the NLSY were included in this study (N=788). Results indicate that delinquent peer pressure and negative attitudes toward school are important determinants of behavior problems, smoking, and delinquency of American adolescents. Differences between African American and Caucasian American adolescents are highlighted.

• International Journal of Human Ecology
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• v.9 no.2
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• pp.77-92
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• 2008

This study investigates the characteristics of young debtors at risk of repayment problems. A cumulative logistic model is used in order to examine the effects of explanatory variables on the probability for young adults to pay off debt obligations. The following conclusions can be drawn from the results. First, the high indebtedness of young debtors increases the probability of payment delinquency whereas high income by young debtors decreases the probability. Second, financial emergencies that young debtors experienced and payment delinquency are positively related. Finally, financial resources for emergency needs reduced the probability of being delinquency on payment of household debt.

• Proceedings of the KAIS Fall Conference
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• 2003.11a
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• pp.149-154
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• 2003

Credit scoring system (CSS) starts from an analysis of delinquency trend of each individual or industry. This paper conducts a research on credit card delinquency of bank customers as a preliminary step for building effective credit scoring system to prevent excess loan or bad credit status. To serve this purpose, we use association rules that ore generating method. Specifically, we generate sets of rules of customers who are in bad credit status because of delinquency by using association rules. We expect that the sets of rules generated by association rules could act as an estimator of good or bad credit status classifier.

• Review of Korea Contents Association
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• v.17 no.3
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• pp.26-32
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• 2019

• Journal of Korean Academy of Fundamentals of Nursing
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• v.9 no.1
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• pp.56-65
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• 2002

The purpose of this study was to investigate the level of alienation, depression, suicidal ideation and delinquency in high school students and to explore the relationships between the variables. The respondents, 226 students attending a high school located in Chonnam province made up the convenience sample. Data were collected using a structured questionnaire which included the alienation scale, suicidal ideation scale, BDI, and delinquency scale. Data collection was done between June 20 and July 6, 2001. Data were analyzed with the SAS program and included descriptive statistics, t-test, ANOVA and Pearson's correlation coefficients. There were no significant association between alienation and general characteristics of the students. The scores for depression were significantly higher in female students, in students who had recently dropped in their school ranking compared to students who had improved. The scores of suicidal ideation were significantly higher in male students. Also, the scores of delinquency were significantly higher in male students, and students in the high economic class and those with low school rankings. There were significant positive correlations between alienation and other ; alienation and depression (r= .432, p= .000), alienation and suicidal ideation (r= 267. p= 000), and alienation and delinquency (r= 150, p= .024). Findings from this study suggest that subsequent practical study in consideration of Korean sociocultural background is needed to identify the cause of alienation and develop supportive strategies to maintain mental health in high school students. Also, study on alienation of students should be based on family, community and popular culture in combination with improvements in school environment.