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A Comparison on Efficiency of Specialized Credit Finance Companies Using a Meta-Frontier (메타프론티어 분석을 이용한 여신전문금융회사의 효율성 비교)

  • Cho, Chanhi;Lee, Sangheun;Lee, Hyoung-Yong
    • Knowledge Management Research
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    • v.22 no.3
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    • pp.151-172
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    • 2021
  • The government's implementation of customer-friendly financial policies, such as lowering commission fees for credit card merchants and lowering the maximum interest rate, put the specialized credit finance companies in a crisis of lowering profitability. In this unfavorable situation, the efficiency study of specialized credit finance companies is meaningful. Accordingly, this study measured the efficiency of 34 specialized credit finance companies through Data Envelopment Analysis (DEA) and meta-frontier analysis. For meta-frontier analysis, specialized credit finance companies were divided into two groups (card companies and non-card companies) by industry or three groups (AA0 and above, AA-, and A+ or below) by credit rating. The results of the analysis will provide general insight into the efficiency of specialized credit finance companies. The results of this study are as follows. First, the average meta-efficiency of card companies was analyzed higher than that of non-card companies. Second, 80% of non-card's decision-making units (DMUs) were inefficient by pure technology rather than by scale. Third, decision-making units (DMUs), which account for 62.5% of the credit card company group and 80% of the 'AA-' credit rating group, are in non-economic areas of scale. Fourth, there was no statistically significant difference in meta-efficiency values (TE and PTE) by industry (card companies, non-card companies) and credit rating (AA0 or higher, AA-, A+ or lower). The contribution of this study will provide strategic initiatives for establishing management strategies to improve inefficiency by measuring the efficiency level of companies under an unfriendly business environment for specialized credit finance companies.

Canopy-Related Characteristics of Korean Soybean Cultivars (한국 콩 품종의 초형관련 형질의 특성)

  • Kim, Hong-Sig;Lee, Ku-Hwan;Song, Hang-Lin;Kim, Seong-Jin;Hur, Gun;Woo, Sun-Hee;Jong, Seung-Keun
    • Korean Journal of Breeding Science
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    • v.40 no.2
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    • pp.143-152
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    • 2008
  • This study was conducted to obtain basic information on mainstem, branch and leaf characteristics related to canopy for development of high yielding cultivar using 70 Korean soybean cultivars developed from 1913 to 2000. Variations of canopy width, branch length, and canopy width/length ratio were higher compared to other characteristics among 12 mainstem and branch characters. Variations of petiole angle, leaflet width/length ratio and compound leaf dry weight were higher than other characteristics among eight leaf characters related to plant canopy. Three classifications of soybean cultivars were used based on usage: I)soy sauce and tofu, II)bean sprout, and III)cooking with rice. Canopy width/length ratio was higher in group III, cooking with rice than group I, soy sauce and tofu, and group II, bean sprout, and there was no difference between the two, group I and group II. The total branch length/main stem height ratio was higher in group II, bean sprout and group III, cooking with rice than group I, soy sauce and tofu. Mainstem and branch characteristics related to plant canopy were classified into four groups by ratio of canopy width/length and total branch length/main stem length, respectively. Soybean cultivars with narrow canopy and high dependence of mainstem were Danweonkong, Keumkangkong, Shelby, and Shinpaldalkong. Soybean cultivars with broad canopy and high dependence of mainstem were Kanglim, Keumkangdaelip, and Jinyulkong, and a cultivar with broad canopy and high dependence of branch were Geomjeongkong 2. Leaflet length/width ratio was lowest in cooking with rice and there was no difference between soy sauce and tofu and bean sprout. Compound leaf area was largest in cooking with rice and smallest in bean sprout. Leaf petiole length was short in bean sprout and there was no difference between soy sauce and tofu and bean sprout. Leaf petiole angle was highest in cooking with rice and lowest in bean sprout. Leaf type was classified into four groups based on leaflet width/length ratio and compound leaf area, respectivly. Buseok and Taekwangkong had an oval leaflet and largest area of compound leaf. Eunhakong and Sohokong had extreme narrow leaflet and smallest area of compound leaf. Leaf petiole type was classified into three and four groups based on leaf petiole length and angle, respectively. A soybean cultivar with the shortest petiole length and smallest petiole angle was Eunhakong and cultivars with short petiole length and large petiole angle were Alchankong, Muhankong, and Pureunkong. A soybean cultivar with long petiole length and small petiole angle was Sinpaldalkong 2. Among a total of 70 Korean soybean cultivars, Eunhakong had an extreme narrow type in leaf, smallest compound leaf area, shortest petiole length, and smallest petiole angle of compound leaf.

Optimization of Extraction of Functional Components from Black Rice Bran (흑미 미강의 기능성 성분 추출 공정 최적화)

  • Jo, In-Hee;Choi, Yong-Hee
    • Food Engineering Progress
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    • v.15 no.4
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    • pp.388-397
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    • 2011
  • The purpose of this study was to determine the optimum ethanol extraction conditions for maximum extraction of functional components such as ferulic acid, oryzanol, and toopherol from black rice bran using Response Surface Methodology (RSM). A central composite design was applied to investigate the effects of the independent variables of solvent ratio ($X_{1}$), extraction temperature ($X_{2}$) and extraction time ($X_{3}$) on the dependent variables such as total phenol components ($Y_{1}$), total flavonoids compounds ($Y_{2}$), electron donating ability ($Y_{3}$), $\gamma$-oryzanol ($Y_{4}$), ferulic acid ($Y_{5}$) and $\alpha$-toopherol components ($Y_{6}$). ANOVA results showed that coefficients of determination (R-square) of estimated models for dependent variables ranged from 0.8939 to 0.9470. It was found that solvent ratio and extraction temperature were the main effective factors in this extraction proess. Particularly, the extraction efficiency of ferulic acid, $\gamma$-oryzanol and $\alpha$-toopherol components were significantly affected by extraction temperature. As a result, optimum extraction conditions were 20.35 mL/g of solvent ratio, 79.4$^{\circ}C$ of extraction temperature and 2.88 hr of extraction time. Predicted values at the optimized conditions were acceptable when compared with experimental values.

Analysis and Management Strategies of the Cold Air Characteristics in Hannamgeumbuk-Jeongmaek and Geumbuk-Jeongmaek (한남금북·금북정맥 일대의 찬공기 특성 분석을 통한 청주시 찬공기 관리방안)

  • SON, Jeong-Min;EUM, Jeong-Hee
    • Journal of the Korean Association of Geographic Information Studies
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    • v.22 no.2
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    • pp.152-171
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    • 2019
  • In this study, we analyzed the characteristics of the cold air generated in Hannamgeumbuk and Geumbuk-Jeongmaek and proposed their management strategies. We also suggested management strategies after analyzing detailed cold airflows for Cheongju located Hannamgeumbuk-Jeongmaek and we compared the degree of nighttime temperature reduction of the Jeongmaek by using data obtained from observatories located on Cheongju. We used KALM(Kaltluftabflussmodell), a cold air simulation model developed in Germanay and identified both cold airflows and altitude of cold air layers generated during 360minutes at night. As a result, the cold airflow generated in the Jeongmaek became strong and the cold air was appeared clearly in the western part of the Hannamgeumbuk-Jeongamek and in the northern part of the Geumbuk-Jeongmaek. The average velocity of cold airflow was recorded at 0.45m/s, and the maximum speed of cold airflow was recorded at 2.70m/s. The average height of the cold air layer was 104.27m/s and the maximum thickness was 255.0m. The average velocity of cold airflows in Cheongju was 0.51m/s and the average height of cold air layer was 48.87m high. The highest degree of nighttime temperature reduction appeared in the Cheongnamdae observatory($-3.8^{\circ}C$), where the altitude of the cold air layer is high. The results showed that cooling effect of Jeongmaek actually affected the temperature reduction during nighttime. Based on the results, we designated the main mountain area of the Jeongmaek with active cold air generation as "cold air conservation areas" and proposed the current forest and topography conservation. We also proposed to designate areas that facilitate the cold airflows as "cold air management areas" and to complement the function of Jeongmaek. This study could support the establishment of systematic management plans of the Jeongmaek. In addition, it is expected that the results can be applied as basic data for ventilation paths of Cheongju.

Correlation of Unmet Healthcare Needs and Employment Status for a Population over 65 Years of Age (65세 이상 인구의 고용형태와 의료요구 미충족 경험률의 관련성)

  • Kang, Jeong-Hee;Kim, Chul-Woung;Seo, Nam-Kyu
    • 한국노년학
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    • v.37 no.2
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    • pp.281-291
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    • 2017
  • The present study aimed to investigate the rate of unmet healthcare needs for elderly over the age of 65 years, as well as analyze the relevance between employment status and unmet healthcare needs due to financial reasons. With regard to the study method, a logistic regression analysis was performed to investigate the correlation between employment status and unmet healthcare needs due to financial reasons, targeting 5,528 subjects over the age of 65 years. The results showed that the rate of unmet healthcare needs was 18.9%, in which the rate of unmet healthcare needs due to financial reason was 8.1%. The rate of unmet health needs was higher for temporary workers(ORs=1.75) than for retirement workers. However, the rate of unmet healthcare needs caused by financial reasons was higher among day workers(ORs=1.92). In conclusion, in order to prevent unmet healthcare needs for senior Korean patients, it is necessary to not only improve the income security system for the elderly, but also improve the occupational form and level of income of these economically active citizens, considering the increase in average life expectancy. Moreover, it is also necessary to reinforce health insurance coverage systems for settling medical expenses.

Data issue and Improvement Direction for Marine Spatial Planning (해양공간계획 지원을 위한 정보 현안 및 개선 방향 연구)

  • CHANG, Min-Chol;PARK, Byung-Moon;CHOI, Yun-Soo;CHOI, Hee-Jung;KIM, Tae-Hoon;LEE, Bang-Hee
    • Journal of the Korean Association of Geographic Information Studies
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    • v.21 no.4
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    • pp.175-190
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    • 2018
  • Recently, policy of the marine advanced countries were switched from the preemption using ocean to post-project development. In this study, we suggest improvement and the pending issues when are deducted to the database of the marine spatial information is constructed over the GIS system for the Korean Marine Spatial Planning (KMSP). More than 250 spatial information in the seas of Korea were processed in order of data collection, GIS transformation, data analysis and processing, data grouping, and space mapping. It's process had some problem occurred to error of coordinate system, digitizing process for lack of the spatial information, performed by overlapping for the original marine spatial information, and so on. Moreover, solution is needed to data processing methods excluding personal information which is necessary when produce the spatial data for analysis of the used marine status and minimized method for different between the spatial information based GIS system and the based real information. Therefore, collection and securing system of lacking marine spatial information is enhanced for marine spatial planning. it is necessary to link and expand marine fisheries survey system. It is needed to the marine spatial planning. The marine spatial planning is required to the evaluation index of marine spatial and detailed marine spatial map. In addition, Marine spatial planning is needed to standard guideline and system of quality management. This standard guideline generate to phase for production, processing, analysis, and utilization. Also, the quality management system improve for the information quality of marine spatial information. Finally, we suggest necessity need for the depths study which is considered as opening extension of the marine spatial information and deduction on application model.

Analysis of Light Transmittance according to the Array Structure of Collagen Fibers Constituting the Corneal Stroma (각막실질 콜라겐섬유의 배열구조에 따른 광투과율 분석)

  • Lee, Myoung-Hee;Kim, Young-Chul
    • The Korean Journal of Vision Science
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    • v.20 no.4
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    • pp.561-568
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    • 2018
  • Purpose : The size and regular array of the collagen fibers in the corneal stroma have very close correlation with transparency. Simulation was carried out to investigate the change of light transmittance according to the array structure and collagen fiber layer thickness. Methods : The collagen fibers in corneal stroma were arranged in regular hexagonal, hexagonal, square and random shapes with OptiFDTD simulation software, and the light transmittance was analyzed. In square array, the light transmittance according to the density change was confirmed by when the number of collagen fibers in the simulation space was the same and the light transmittance was examined when the number and density of collagen fibers were changed. Results : When the number of collagen fibers is the same, the density becomes smaller and the thickness of the fibrous layer becomes thicker in order of arrangement of square, regular hexagonal, random and hexagonal. As a result of measuring the light transmittance by changing the array structure, the light transmittance measured at the detector at the same position was almost similar regardless of the array structure. In the detectors D0, D1, D2 and D3, the maximum transmittance is shown in square, hexagonal and square, regular hexagonal and regular hexagonal array structure, and the minimum transmittance is hexagonal, random, hexagonal and square, and square array structure. However, the difference between the maximum transmittance and the minimum transmittance was almost the same within 1%. When the number of collagen fibers was the same, the light transmittance of the rectangular array structure decreased with increasing fiber layer thickness. And as the thickness increased, the light transmittance decreased more when the number of collagen fibers decreased. Conclusion : Even though the collagen array structure changed, the light transmittance is almost similar regardless of the arrangement structure. However, as the array structure was changed, the thickness of the collagen fiber layer changed, and as the thickness increased, the light transmittance decreased. In other words, the transparency of the corneal stroma is more closely related to the thickness of the fibrous layer than the array of collagen fibers.

Variation Analysis of Sea Surface Temperature in the East China Sea during Summer (동중국해에서 하계 표층수온의 변화 분석)

  • Park, GwangSeob;Lee, Taehee;Son, Young Baek
    • Korean Journal of Remote Sensing
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    • v.34 no.6_1
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    • pp.953-968
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    • 2018
  • In order to understand the change of surface water temperature in the East China Sea (ECS), this study analyzed the relationship between sea surface temperature (SST), air temperature (AT) and heat flux using satellite and model reanalysis data from 2003 to 2017. SST in the ECS showed the lowest (average : $13.72^{\circ}C$) in March and the highest (average : $28.12^{\circ}C$) in August. AT is highly correlated with SST and shows a similar seasonal change. In August, SST is higher than AT and then continuously higher than AT until winter. To analyze the change of the summer SST in the ECS, we used the SST anomaly value in August to classify the periods with positive (04', 06', 07', 13', 16', 17') and negative (03', 05', 08', 09', 10', 11', 12', 14', 15') values. Spatial similarity between the two periods indicates that SSTs are relatively larger variations in the northern part than in the southern part, and in the western part than in the eastern part in the study area. AT and net heat flux values also show similar changes with SST. However, the periods of the positive SST anomaly have the relatively increasing SST, AT and heat flux values compared to the periods of the negative SST anomaly in the summer season of the ECS. Although the change of SST in the summer season generally well correlates with AT, there were the periods when it was different from general trends between SST and AT (10', 12', 15', 16'). SST in August 2010 and 2012 decreased by $0.5^{\circ}C$ from AT. It suggests that the decreasing SST was considered to be caused by the effects of the typhoon passing through the study area. In August 2015, AT was relatively lower than SST (> $0.5^{\circ}C$), which is might be weakening of the East Asian Summer Monsoon. In August 2016, SST and AT show the highest values during the whole study periods, but SST is higher than AT (> $1^{\circ}C$). From satellite and heat flux data, the variations of SST have been shown to be relatively higher in the area of the expansion Changjiang Diluted Water (CDW) originated from the China coast. More research is needed to analyze this phenomenon, it is believed as not only the effect of rising AT but also the expansion of the low-salinity water.

A Study on Reduction of Radiation Exposure by Nuclear Medicine Radiation Workers (핵의학 방사선 작업종사자 피폭 감소 방안에 대한 연구)

  • Lee, Wanghui;Ahn, Sungmin
    • Journal of the Korean Society of Radiology
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    • v.13 no.2
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    • pp.271-281
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    • 2019
  • This study investigated the shielding efficiency of various types of shielding materials and measured the dose by organ using the phantom. Results of Shielding Efficiency Measurement Using Personal Radiation Meter. Among the various shielding materials, 1.1 mm RNS-TX composed of nano tungsten showed the highest shielding efficiency and 0.2 mm lead shielding showed the lowest shielding efficiency. 99mTc 30 mCi was exposed to the phantom for 120 minutes and the result of the measurement of the organs. 20.53 mSv without radiation protective clothing, 8.75 mSv when wearing 0.25 mm Pb protective clothing, 6.03 mSv when wearing 0.5 mm Pb protective clothing. 131I 2 mCi mCi was exposed to the phantom for 120 minutes and the result of the measurement of the organs. 7.71 mSv without radiation protective clothing, 4.88 mSv when wearing 0.25 mm Pb protective clothing, 2.79 mSv when wearing 0.5 mm Pb protective clothing. 18F 5 mCi was exposed to the phantom for 120 minutes and the result of the measurement of the organs. 16.39 mSv without radiation protective clothing, 15.84 mSv when wearing 0.25 mm Pb protective clothing, 12.52 mSv when wearing 0.5 mm Pb protective clothing. None of the radiation workers working in the nuclear medicine department exceeded the dose limit. However, when compared with other workers in the hospital, they showed a relatively high dose. Therefore, it is necessary to prepare measures to reduce and manage the dose of radiation workers in the nuclear medicine department through the wearing of radiation protective clothing made of lightweight, shielding material with good shielding efficiency, circulation task, task sharing, and substitution equipment such as auto dispenser.

An investigation Of IntraFraction Motion Correction For Lung Stereotactic Body Radiation Therapy By Using IntraFraction Cone Beam Computed Tomography (폐암 환자의 정위적 체부 방사선 치료 시 IntraFraction CBCT를 이용한 치료 중 자세 오차 교정에 대한 고찰)

  • Song, Hyeong Seok;Cho, Kang Chul;Park, Hyo Kuk;Yoon, Jong Won;Cho, Jung Hee
    • The Journal of Korean Society for Radiation Therapy
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    • v.31 no.1
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    • pp.67-74
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    • 2019
  • Purpose: The purpose is to correct for position errors caused by long treatment times. By correcting the target motion that can occur during lung SBRT using IntraFraction CBCT. Methods and materials: We analyzed retrospectively the IFM data of 14 patients with two treatment arc in the treatment plan for lung cancer with stereotactic radiotherapy. An IntraFraction Motion was applied to the Arccheck phantom to acquire the Gamma index data. Results : IntraFraction Motion during the first treatment arc is in the left-right(LR), superiorinferior(SI), anterior-posterior(AP) directions were $0.16{\pm}0.05cm$, 0.72 cm(max error), $0.2{\pm}0.14cm$, 1.26 cm, $0.24{\pm}0.08cm$, 0.82 cm and rotational directions was $0.84{\pm}0.23^{\circ}$, $2.8^{\circ}$(pitch), $0.72{\pm}0.23^{\circ}$, $2.5^{\circ}$(yaw), $0.7{\pm}0.19^{\circ}$, $2^{\circ}$(roll). IntraFraction Motion during the second treatment arc is in the LR, SI, AP directions were $0.1{\pm}0.04cm$, 0.37 cm, $0.14{\pm}0.17cm$, 2 cm, $0.12{\pm}0.04cm$, 0.5 cm and rotational directions was $0.45{\pm}0.12^{\circ}$, $1.3^{\circ}$, $0.37{\pm}0.1^{\circ}$, $1^{\circ}$, $0.35{\pm}0.1^{\circ}$, $1.2^{\circ}$. Gamma index pass rates were $82.64{\pm}10.51%$, 48.4 %. Conclusions : In this study, we examined the validity of IntraFraction Motion correction in lung SBRT and the efficiency of IntraFraction CBCT. Due to the nature of SBRT treatment, IFM may increase due to the increased treatment time. It is believed that the increase in IFM with the increase in treatment time can be improved with the use of FFF Beam and additional position correction using CBCT during treatment.