• 가정과삶의질연구
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• 제19권6호
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• pp.207-220
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• 2001

This paper analyzed some financial counseling cases on the internet and suggested a framework for the improved financial counseling. Data of 392 financial counseling cases were gathered from the site bulletin board whose members were mostly housewives. The largely demanded contents of counseling were about 1) general financial procedures and the evaluation of household financial condition, 2) saving and investment, 3) buying and canceling insurance, and 4) debt repayment and debt availability. Based on the data analysis, a special format which requires on the personal and financial information of consumers was developed. In a way to help counselors and clients far questions asked often, FAQs is also suggested. Finally the arrangement and development of financial planning related softwares were investigated.

• 대한가정학회지
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• 제41권1호
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• pp.39-58
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• 2003

This study investigated the effects of the householder's age as a proxy for the family life cycle stage variable and the householder's occupation on the household financial structures. Household financial structures are analyzed by the components of two financial statements(the income and expense statement and the balance sheet statement) and selected financial ratios. The data came from the 1998 Korean Household Panel Study. It was found that the age profiles of household finances such as household income, expenditure, savings and consumption rate, financial assets, real assets and home ownership, debt and net worth usually vary according the householder's occupation. The ratios of debt repayment and the liquidity ratios also vary in part as age changes for each occupational group.

• The Journal of Asian Finance, Economics and Business
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• 제8권12호
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• pp.39-50
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• 2021

We investigate competition and its impact on borrowers' indebtedness (BI) in South Asian microfinance. Our empirical investigations are based on a comprehensive panel dataset of 355 MFIs located in seven countries in South Asia. The empirical results revealed that microfinance in South Asia is imperfectly competitive and the existing industry shows a monopolistic competition during the period under consideration. Also, the competition increased after the global financial crisis (GFC) in 2007-08 which implies that microfinance uses hostile lending behavior through the adverse selection that is highly risky and it can induce repayment crisis. The empirical findings also show that increased competition has significant negative effects on borrowers' indebtedness, particularly in large-scale and regulated microfinance organizations (MFIs). Instead of using equity financing, debt financing could be a better option. Finally, we find that while competition seems to have some positive effects in economic discourse by channeling technological improvements in products and services, its negative effects in microfinance outweigh the benefits over costs, particularly in poverty-stricken nations. The findings are helpful for the policymakers, microfinance industry, investors, borrowers, and Central Bank of South Asian markets.

• 한국정보처리학회:학술대회논문집
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• 한국정보처리학회 2023년도 추계학술발표대회
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• pp.453-455
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• 2023

본 연구는 은행에서 리스크 관리 자동화를 위해 고객의 대출 상환 여부 예측 모델을 제안하고자 한다. 예측 모델로 금융 데이터 같은 정형데이터에서 전통적으로 높은 성능을 보인 의사결정나무기반 모델 LightGBM, CatBoost, XGB 와 최근 제안된 정형데이터에서 사용할 수 있는 설명 가능한 딥러닝 기반 모델 TabNet 간의 성능 비교를 진행한다. 다만, 대출 상환 여부 데이터는 불균형 클래스 데이터로 구성되어있어 샘플링을 진행한다. SMOTE, Random Under Sampling, 혼합 방식을 비교해 가장 높은 성능의 샘플링 기법을 제안한다. 대출 상환 여부 예측 결과 TabNet 모델이 의사결정나무모델들보다 좋은 성능을 보여 정형데이터에서 의사결정나무 기반 모델을 딥러닝 모델이 대체 할 수 있는 가능성을 확인했다.

• 한국건축시공학회:학술대회논문집
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• 한국건축시공학회 2023년도 가을학술발표대회논문집
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• pp.171-172
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• 2023

As a result of analyzing related laws and cases regarding the problems of PF requiring construction companies to guarantee liability for the entire scope of construction, including firefighting facility construction, the law requires repayment ability, and the capital ratio of PF in Korea is 10%. , Since the equity capital ratio of PF in the United States is 30%, it is judged that it is necessary to reduce the dependence of construction companies.

• 대한토목학회논문집
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• 제28권1D호
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• pp.107-117
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• 2008

민간투자사업의 자본구조는 사업시행자가 출자한 자기자본과 대출금융기관으로부터 조달한 타인자본으로 구성된다. 민간투자사업 기본계획에서는 사업시행자의 최소 자기자본비율을 25%로 규정하고 있으며, 일반적으로 정부와 사업시행자 간의 실시협약을 통하여 자본구조를 결정하게 된다. 그러나 민간투자사업의 자본구조는 사업의 수익률과 재무적 안정성을 결정하는 중요한 기준이기 때문에 자금조달계획 수립 시 자본구조에 따른 수익률의 변동성을 파악하고 적정 수익률과 재무적 안정성을 고려하여 자본구조를 최적화할 필요가 있다. 본 연구는 민간투자사업의 수익률과 재무적 안정성을 동시에 극대화할 수 있도록 자본구조를 최적화하기 위한 방법론을 제시하는데 그 목적이 있다. 이를 위하여 기존 민간투자사업들의 자본구조를 고찰하고 민간투자사업 재무모델을 분석하였다. 재무분석을 바탕으로 최적 자본구조를 결정하기 위해 효용함수 개념과 다목적 유전자 알고리즘을 이용한 자본구조 최적화모델을 제시하였다. 제시된 최적화 모델을 인천공항철도 민간투자사업에 적용하여 최적 자본구조를 도출하였고 민감도 분석과 시나리오 분석을 통해 그 활용성을 검증하였다. 사례분석 결과, 최적 자기자본비율은 실시협약에서 결정된 30%보다 낮은 22.3%에서 결정되었으며 이는 자기자본비율을 더 낮추어도 수익률과 재무적 안정성을 유지할 수 있다는 것을 시사한다. 본 연구는 수익률과 재무적 안정성을 동시에 고려하여 최적 자본구조를 결정함으로써 민간투자사업의 사업시행자에 적합한 자본구성과 자금조달을 위한 합리적인 의사판단 기준을 제시하였으며 사업시행자의 수익률 향상에 기여할 것으로 기대된다.

• 한국생활과학회지
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• 제21권2호
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• pp.225-240
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• 2012

The purpose of this study was to investigate the determinants of households with risky debt loads. The study used financial ratios to determine which households were over-indebted. The 3 ratios used were Debt to Asset ratio, Debt to Financial asset ratio, and Debt Service ratio. Data for this study was the 2011 Survey of Household Finance. Households that demonstrated total debts of 70% or more when compared to total assets were 8.8%. Households that demonstrated a debt load totaling 5 or more times their total financial assets were 19%. Households with monthly repayment obligations of 40% or more of disposable income were 20%. Households that fulfilled all 3 financial ratio criteria were 1.5% of total indebted households. Over-indebted households demonstrated severe economic condition in terms of debt, but not all over-indebted households were categorized as being in economically vulnerable group. The major determinants of households with risky debts were income, asset, purpose of loans, and spending behavior of the households.

• 동아시아경상학회지
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• 제4권3호
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• pp.18-24
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• 2016

Delivery of microfinance services to operators of small and medium enterprises (SMEs) is increasingly being viewed as a strategic means of assisting growth and development. The purpose of this study was to assess the contribution of microfinance to entrepreneurship development in Mogadishu. Survey research design was adopted and Primary data was collected by using questionnaires. This research study used purposive sampling method to select 120 respondents; but 108 were found usable and analyzed. The data was analyzed using descriptive statistics. This study found the access of microfinance services to the SMEs is poor. This study also found due to the collateral, short term repayment challenges, small and medium businesses are difficult to access loan from microfinance institutions which hinder their entrepreneurship development. In addition to these, this study found that the Microfinance institutions play significance role to the growth and sustainable development of SMEs and also increases the productivity and profitability of small and medium enterprises. This study recommends the guidelines of microfinance institutions to finance SMEs needs to be flexible and microfinance institutions should give technical assistant to the SME to ensure success in the SME sector. The study also suggests access of microfinance services to the SMEs should be facilitated and awareness to microfinance purposes and activities should be created.

• 가정과삶의질연구
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• 제26권6호
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• pp.35-50
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• 2008

The purpose of this study was to analyze the characteristics and financial status of credit delinquents utilizing the debt management program of the Credit Counseling and Recovery Service between January-June in 2007. Total sample of 41,355 cases was analyzed using the statistical program SPSS(Version 12.0). For analysis, descriptive statistics, F-test, Scheffe test, t-test, logit analysis and regression analysis were employed. People in the age range of 30-40s, males, high-school graduates, married couples, part-time employees, costfree residents and residents in other regions were relatively high users of the debt management program. Reasons of credit delinquency were diverse and was combined to credit default. However, increases in expenses and income reductions were found to be the most frequent reasons. Financial conditions of delinquents were worse than those of average persons shown on the national statistics. It was also found that age, sex, educational level, occupation, region of residence, home-ownership, reason of delinquency, income and total outstandings of debt were significant determinants of short-term debt burden which was measured by the ratio of monthly payment to income and long-term debt burden which was measured by repayment period.

• 무역상무연구
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• 제26권
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• pp.203-223
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• 2005

Many international transactions involve the use of security devices, commonly referred to as "guarantees", "bonds", or "standby credits", designed to protect one of the parties from a breach by its counter-party. These security mechanisms may be provided by banks, insurance companies, specialized surety companies, or other financial service firms. Although some legal systems distinguish between "guarantees", "bonds", and "indemnities", these terms are often used as synonyms in the everyday language of international traders. It may therefore be necessary to examine the particular characteristics and nature of the guarantee obligation in order to properly classify the guarantee. Two main categories of guarantee are demand and suretyship. Under a demand guarantee, the guarantor must pay on first demand by the beneficiary. The beneficiary only has to demand payment under the guarantee - there is no need to prove that the principal has actually defaulted on a contractual obligation. Under a suretyship or conditional guarantee, the obligation of the guarantor is triggered by the actual default or contractual breach of the principal, as evidenced in a document such as a court judgement or arbitral award against the principal. Guarantees have been widely used in the international business transactions. Main uses of guarantees are as follows : Performance Bonds/Guarantees, Bid(or Tender) Bonds/Guarantees, Advance Payment or Repayment Bonds/Guarantees, Retention Bonds/Guarantees, Maintenance(or Warranty) Bonds/Guarantees etc.