Earticle

초록

영어

The data used in this study includes guarantee-related data from January 2007 to September 2014, as well as data of search volume provided by Naver Trend. As a result of the hierarchical regression analysis, it turned out that in step 1, the volume of credit guarantee searching affected guarantee supply while the default amount did not. In addition, it is expected that as the volume of credit guarantee searching increases, guarantee supply will also be expended. In step 2, it turned out that the amount of default normalization affected guarantee supply. It is expected that as the amount of default normalization increases, guarantee supply will also be expanded. Finally, in step 3, it turned out that both the volume of credit guarantee searching and the amount of default normalization affected guarantee supply while the default amount did not. As for the explanation power of the three models, that of step 1 was 8.3%, that of step 2 was 13.7%, and that of step 3 was 19.3%. As the default amount affected guarantee supply, Sobel Test was conducted to measure the mediation effect of the volume of credit guarantee searching and the amount of default normalization. As a result, it turned out that the volume of credit guarantee searching had mediation effect while the amount of default normalization did not. The objective of this study is to examine the effect of guarantee accidents of the Regional Credit Guarantee Foundation, which provides public finance service on guarantee supply. This indicates the necessity of examining the causality through another regression analysis after a Granger Causality test. In terms of demands for guarantee supply, further research may be necessary on referring to the volume of credit guarantee searching.

목차

Abstract
 1. Introduction
 2. Theoretical Background and Modeling
  2.1. Big-Data
  2.2. Supply of Credit Guarantees
 3. Study Method
  3.1. Data Collection and Sampling
  3.2. Formulation of Research Model
 4. Empirical Analysis
  4.1. Unit Root Test
  4.2. Result of Regression Analysis
 5. Conclusions
  5.1. Summary and Significance of Research Finding
  5.2. Limitation and the Direction for Future Study
 References

키워드

저자

• Huifeng Pan [ Beijing Institute of Graphic Communication; Post-Doctoral Research Station in Business Administration of TsingHua University, Beijing, China ]
• Hee-Young Son [ Team of Research & Development, Korea Institute of Startup & Entrepreneurship Development, Daejeon 302-120, Korea ]
• Man-Su Kang [ Department of Research, Korea Federation of Credit Guarantee Foundations, Daejeon 302-847, Korea ] Corresponding author

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  International Journal of Software Engineering and Its Applications

• 간기

  월간

• pISSN

  1738-9984

• 수록기간

  2008~2016

• 등재여부

  SCOPUS

• 십진분류

  KDC 505 DDC 605