• Title, Summary, Keyword: Delinquency

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A Study on the Effect of Delinquency Rate of Real Estate PF on Macroeconomic Variables (거시경제변수에 따른 부동산PF 연체율에 관한 연구)

  • Roh, Chi-Young;Kim, Hyung-Joo
    • The Journal of the Korea Contents Association
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    • v.18 no.4
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    • pp.416-427
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    • 2018
  • As the loan size of real estate PF is huge, its market ripple effect gets bigger when overdue occurs. Accordingly, the management of the delinquency rate and macroeconomic analysis are required. As the preceding research mainly proceeded with microeconomic analysis through the real estate PF data of individual banks to evaluate importance of list or analyzed core factors for delinquency, it lacked research on comprehensive real estate PF size. In order to overcome the limitations of such data, this research studied real estate PF delinquency rate of the entire market and effect relationship by the size. The research utilized the size of real estate PF loans, money supply, interest rate, consumer price index(CPI), and GDP data. Also, it applied the first model of VECM as linear relationship between at least two or more variables, following the result of co-integration test. As a result of Granger-causality test, the real estate PF loans delinquency rate is influenced by their loan size, and as a result of impulse response analysis, the interest rate is shown to be affecting delinquency rate the most. Interest rate could risesomeday and aggravate the delinquency rate of real estate PF. Also, risk exposure could be serious as the loan size increases.Therefore, the management of real estate PF delinquency rate requires continuous monitoring, tracking and observing issued loans from a macro point of view. The plans to prevent delinquency will be necessary.

The effects of children's exposure to domestic violence on juvenile delinquency: A meta-analytic review (가정폭력 노출경험이 아동·청소년 비행에 미치는 영향에 대한 메타분석)

  • Shin, Sun-In
    • Korean Journal of Family Social Work
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    • no.23
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    • pp.153-182
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    • 2008
  • This study performed a meta-analysis on 45 research studies conducted in Korea on the relationship between domestic violence experience and juvenile delinquency. The meta-analysis calculated 125 effect sizes. The study then analyzed the effect of exposure to domestic violence on juvenile delinquency and evaluated the relationship according to research variables. The probabilities of juvenile delinquency by children who witnessed domestic violence, experienced violence directly, or experienced child abuse were 14%, 17.8% and 17.2% higher than that of children otherwise, respectively. However, the difference in experience types or child abuse types on mean effect sizes was not statistically significant. Cross effect between the type of domestic violence and the type of juvenile delinquency did not significantly impact the mean effect size of juvenile delinquency. The effect of domestic violence experience on delinquency was highest for junior high students, followed by elementary students and high school students, Difference in the effect size among groups was statistically significant. The effect size with respect to publication year was shown to have a minor static correlation, but the publication type was not meaningful. The study confirmed the effect of domestic violence on juvenile delinquency and emphasized that the responsibility of social environment in juvenile delinquency increase has been overlooked.

A Study on the Relation between Delinquency and Clothing Attitude, clothing regulation attitude for Adolescent (청소년 비행정도와 의복태도 및 의복규제 태도와의 관계)

  • 이명희;홍선옥
    • Journal of the Korea Fashion and Costume Design Association
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    • v.3 no.1
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    • pp.129-152
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    • 2001
  • The purpose of this study was to classified as the degree of the delinquency and to make clear the differences of adolescents' clothing attitude, clothing regulation attitude according to their delinquency and demographic variables. The results are as follows: First, Delinquency was classified as revolt, breakage and violence, status and property; according to the degree of the delinquency, subjects were categorized as delinquent, middle and exemplary groups. Second, the clothing conformity and clothing importance were higher in delinquent and middle than exemplary group; individuality, fashion and refusal against clothing regulation were most regarded by delinquent group, and followed by and middle and exemplary groups, meanwhile, the reverse was the case for modesty. Third, schoolgirls were more regarded the conformity, individuality, fashion and clothing importance and higher the refusal against clothing regulation than schoolboys; there was no significant difference between both sexes in modesty, and schoolgirls in delinquent group were more fiercely refused the clothing regulation than schoolboys in same group. The better a student did at school, the higher the modesty was and the lower the fashion and refusal against clothing regulation were. The higher a student belonged to a social status, the more he/she regarded the individuality importantly. While exemplary student who belonged to a high social status tended to pursue the individuality regardless his/her degree of delinquency, as for the student who belonged to middle or below social status, the higher the degree of delinquency was, the more he/she regarded the individuality. Besides, delinquent students who belonged to middle or below social status were more sensitive in fashion than those to higher social status.

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The Effects of School Adolescents' Personal Relationship on Delinquency: Focusing on Mediator Effect of Game Addiction (학교청소년의 대인관계가 비행에 미치는 영향: 게임중독의 매개효과를 중심으로)

  • Choi, Gui-Suk;Lim, Sung-Ok
    • The Journal of the Korea Contents Association
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    • v.17 no.6
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    • pp.180-193
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    • 2017
  • This study aimed to examine the mediate effects of game addiction on the delinquency among school adolescents. In order to achieve the research purpose, secondary data was used which is the data by 8,516 people researched for 'A study on mental health improvement policy for children and adolescents II' among NYPI cross-sectional analysis provided by Korean Children Adolescents Data Archive and the collected data was analyzed using SPSS 21.0 and AMOS 21.0. The major findings were as follows. First, the better relationship with family and teachers led to lower level of game addiction and delinquency. However, in terms of relationship with friends, better relationship led to lower level of game addiction but higher level of delinquency. Second, as a result of verifying mediator effect of game addiction by decomposing the effects of relationship with family, teachers and friends on delinquency, they all demonstrated negative mediator effect. Based on the results I discussed social welfare intervention methods for game addiction in order to understand and prevent school adolescents' delinquency.

A Systematic Analysis on Default Risk Based on Delinquency Probability

  • Kim, Gyoung Sun;Shin, Seung Woo
    • 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.

The relationship between communication with parents of vocational girls' high school students and their problem behaviors (청소년의 환경적 변인 및 부모와의 의사소통이 문제행동에 미치는 영향 - 부산시내 실업계 여고생을 중심으로 -)

  • 정유미
    • 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.

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Mining Association Rules of Credit Card Delinquency of Bank Customers in Large Databases

  • Lee, Young-Chan;Shin, Soo-Il
    • 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.

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Prevalence of Adolescent Behavior Problems, Smoking, and Delinquency

  • Moon Hyuk-Jun
    • 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.

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Mining Association Rules of Credit Card Delinquency of Bank Customers in Large Databases

  • Lee, Young-chan;Shin, Soo-il
    • Proceedings of the KAIS Fall Conference
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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.

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Empirical Analysis of Credit Card Delinquency Effect by Market Competition (시장 경쟁이 신용카드 연체부도율에 미치는 효과에 대한 실증분석)

  • Ko, Hyuk-Jin;Seo, Jong-Hyen
    • Journal of the Korea Safety Management and 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.