• Title/Summary/Keyword: home loans

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THE PSANNING, CONSTRUCTION AND ADMINISTRATION OF AUTOMOBILES PARKING LOTS IN SHANGHAI (상해기동차사회정차장(고)적 규화, 건설여관리)

  • GE MING MING
    • Proceedings of the KOR-KST Conference
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    • 1995.05a
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    • pp.239-250
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    • 1995
  • With speeding up the process of being international municipality, the gravity of lacking parking lots in Shanghai urban area, which directly blocks the traffic in the city, has been revealed. This thesis analyses present automobiles parking capability and forecasts the future's needs for the city. To solve the problem, the concept could be to expand parking areas in city center recently to relax the tention and to do thoughtful planning in the near future on the foundation of fully consideration the trend. The municipal government has to set up policy properly, amplify regulations, strenthern the administration and open up a path to raise founds. Berween road system administration which is dynamic and parking lot system administration which is static, there are a knot on macroscopic meaning and an interference as well. The coordination of these two systems would be reflested on the effects of whole municipal traffic adminisration. Basically, public parking lots are city's foundal facilities, just like roads, bridges, etc. The main problems now in Shanghai are large parking space demands, insufficient facilities, cheap parking expenses comparing with the cost of parking lots construcion and poor administration. According to the forecast on social economy development, there will be 580 thousand automobiles in Shanghai by the year 2000, and the amount of private cars will increase greatly. The frequency of automobiles going out will be 1.45 million per day. Public parking lots being able to afford 105 thousand units are needed. To satisfy the demands, the recent aim of planning should be speed up the parking lots construction, the planning objective in next period should be developing reasonably and exceed the demands properly. In order to realize the planning objective, the government has to formulate correct policy and amplify administration regulations. The government has to adopt both administration and economy means, including charging parking people reasonably, collect necessary taxes, bringing the parking lots planning into general municipality planning, opening up an effective path to raise founds, such as set up founds for parking lots construction, issue bonds and stocks, get loans at home and abroad, etc.

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Financial Portfolio Analysis of Single Households: Monthly Saving and Financial Assets (1인가구의 금융포트폴리오 분석)

  • Samho Jeong;Se-Jeong Yang
    • Human Ecology Research
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    • v.62 no.3
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    • pp.409-426
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    • 2024
  • The purpose of this study was to analyze the financial portfolios of single-person households. For the analysis, data from the Korean Labor Panel Survey (2021) was utilized, comprising 2,905 single-person households. The major findings are as follows: First, the proportion of households with monthly savings was 32.0%, while the proportion of households holding financial assets was 72.1%. Second, regarding the composition of monthly savings, single-person households predominantly held savings accounts (93.3%), followed by insurance (4.7%), with cumulative funds at a mere 0.8%. The composition of financial assets showed that the majority were in bank deposits (78.5%), followed by risk management assets (18.0%), and investment assets (2.4%). Third, multivariate analysis results revealed that younger age, higher education level, and better financial factors were associated with a higher probability of having monthly savings. The results for financial assets were largely similar, with females showing a higher likelihood of asset possession compared to males. Fourth, the proportions of both bank savings in total savings and insurance generally had opposing effects. Fifth, age group had the greatest influence on the proportions of safety and insurance assets, followed by income group. Middle-aged households had lower proportions of safety assets but higher proportions of insurance assets compared to young households, while the opposite trend was observed for elderly households. Middle-income households had higher proportions of insurance assets compared to low-income households, whereas high-income households had higher proportions of investment assets. Lastly, cluster analysis categorized single-person households' financial portfolios into five groups: Group 1 (32.2%): "Old-Sustain" characterized by insufficient current income but economically stable retirement. Group 2 (29.4%): "Financially Active" engaging in various financial activities due to relatively high education and employment rates. Group 3 (28.0%): "Financially Inactive" classified as elderly groups with minimal financial activities. Group 4 (9.1%): "Risk Financial Structure" consisting of relatively young individuals focused on risk management assets but facing issues in financial asset management due to high-risk assets and financial loans. Group 5 (1.3%): "Stable-Insurance Oriented" with high financial assets and income concentrated in insurance for both savings and financial assets.

Policy Measures for Improving Health Care Services in Rural Areas (농촌보건의료서비스 향상을 위한 제도 개선방안)

  • Moon, O.R.;Lee, L.S.;Park, J.Y.;Ko, D.H.;Lee, K.H.
    • Journal of agricultural medicine and community health
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    • v.16 no.2
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    • pp.97-119
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    • 1991
  • Korea has made a rapid economic development since the last three decades. This has helped Korea narrow the gap in health service differences in resource availability and in quality of care. However urban and rural differentials are still remarkable. This study has maintained that health status of rural residents is inferior to that of urban dwellers. Therefore, this study was carried out to develop policy measures for improving health services in rural areas. In order to achieve the objective of this study the authors collaborated closely and made field visits, interviews and conducted an extensive literature review regarding rural health services. The following policy options are recommended as a summary ; First, the quality of rural health personnel is a single most important factor influencing the level of rural health services. An innovative program for public health doctors to the internship and/or residency training program such as specialty board program of family medicine. Second, dissatisfaction regarding employment of public health doctors is problematic. More rational employment and deployment programs are needed to meet their personal desire. One way to do this is to make it wide open and competitive. Third this study shows how to increase physician productivity in the rural public health sector. Incentive system needs to be elaborated for the career development of rural health workers. University linked job opportunity as clinical professor is an example. Fourth, without straightening the function of health centers and subcenters, the future of rural health services is doomed to failure. Straightening primary health care is one way to enrich the program of public health facilities and reactivating the operation of health center/hospital is another. A close linkage of public facilities with private hospitals is a minimum requirement for the operation of health delivery system within a health district. Fifth, some measures are urgently required to enhance hospital services in medically underserved areas. Financial subsidy, tax exemption, long-term public loans and higher priority of health manpower deployment are some of them. Sixth, new health programs should be in tiated to meet changing needs of peoples in rural areas. Home health care program, hospice program, nursing home, residential program for the elderly are recommended.

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An Empirical Study on Factors Affecting the Survival of Social Enterprises Using Non-Financial Information (비재무정보를 이용한 사회적기업의 생존에 영향을 미치는 요인에 관한 실증연구)

  • Hyeok Kim;Dong Myung Lee;Gi Jung Nam
    • Journal of Industrial Convergence
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    • v.21 no.1
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    • pp.111-122
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    • 2023
  • The purpose of this study is to verify the factors affecting survival time by estimating survival rate and survival time using non-financial information of social enterprises using credit guarantee in credit guarantee institutions, and provide information to stakeholders to improve survival rate and employ to contribute to maintaining and expanding the As a research method, survival analysis was performed using a non-parametric analysis method, Kaplan-Meier Analysis. As a sample, 621 companies (577 normal companies, 44 insolvent companies) established between 2009 and 2018 were selected as the target companies. As a result of examining the factors affecting survival time by classifying social enterprise representative information and corporate information, representative credit rating, representative home ownership, credit transaction period, and corporate credit rating were derived as significant variables affecting survival time. In the future, financial institutions will be able to induce corporate soundness by reflecting factors that affect survival when examining loans for social enterprises, contributing to job retention and reduction of social costs. Supporting organizations such as the government and private organizations will be able to use it in various ways, such as policy establishment and education and training for the growth and sustainability of social enterprises. With this study as an opportunity, I hope that research will continue with more interest in the factors influencing social enterprise performance as well as corporate insolvency.