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은행산업의 위험분산과 도덕적해이에 관한 연구

  • Lee, Seok-Won
    • The Korean Journal of Financial Studies
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    • v.6 no.1
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    • pp.269-287
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    • 2000
  • 본 연구에서는 미국 상장은행의 자산 부채포오트폴리오 구성의 위험분산(risk diversification)과 도덕적해이(moral hazard)에 관한 실증적 분석을 행하였다. 실증적 분석의 결과 은행의 금기(今期)의 위험분산과 금기(今期) 이후의 위험추구 간에는 유의적인 양(陽)의 관계가 있음을 발견하였다. 즉 위험분산의 정도가 커서 투자가들로부터 파산가능성이 낮을 것으로 여겨지며, 따라서 위험증가에 따른 자본조달비용(예금이자율)의 증가라는 시장에서의 억제기능(market discipline)이 효과적으로 부과되지 못하는 은행들은 이러한 이점들을(특히 시장관련-체계적) 위험성이 높은 정책을 추구함으로써 수익을 증가시키려는 도덕적해이의 동기를 가지고 있음을 알 수 있었다. 선행연구에서의 논리대로 은행규모의 대형화가 자산 부채포오트폴리오 구성의 위험분산을 크게 하는 주요한 원인 중의 하나라면, 본 연구에서의 결과는 은행산업의 불건전한 재무구조와 그로 인한 금융질서의 혼란, 나아가 국가경제 전체의 혼란을 겪고 있는 한국 금융산업의 현주소, 즉 부실은행을 퇴출시키고 인수 합병에 의한 대형선도 은행(leading banks)중심으로 은행산업을 재편하는 한국금융산업의 구조조정에 있어 간과되어서는 안 될 중요한 정책적 시사점을 제시해 주고 있다고 하겠다. 즉 도덕적해이의 감소에 대한 제도적인 유인장치가 없는 단순한 인수 합병에 의한 은행의 자산규모의 증가가 반드시 은행산업의 구조적 안정에 기여할 것이라고 기대할 수는 없을 것이다. 대형은행의 자산 부채포오트폴리오 구성의 위험분산의 이점과 이로 인한 투자가들의 대형은행의 위험추구행위에 대한 감시동기의 부족, 이로 인한 도덕적해이가 필연적으로 발생하는 현상이라면, 도덕적해이의 감소에 대한 추가적인 유인책 없는 단순한 자산규모의 증가는 인수 합병을 통하여 탄생한 대형선도 은행들의 또 다른 도덕적해이를 낳을 가능성이 크기 때문이다.

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Voice Activity Detection Based on Non-negative Matrix Factorization (비음수 행렬 인수분해 기반의 음성검출 알고리즘)

  • Kang, Sang-Ick;Chang, Joon-Hyuk
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.35 no.8C
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    • pp.661-666
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    • 2010
  • In this paper, we apply a likelihood ratio test (LRT) to a non-negative matrix factorization (NMF) based voice activity detection (VAD) to find optimal threshold. In our approach, the NMF based VAD is expressed as Euclidean distance between noise basis vector and input basis vector which are extracted through NMF. The optimal threshold each of noise environments depend on NMF results distribution in noise region which is estimated statistical model-based VAD. According to the experimental results, the proposed approach is found to be effective for statistical model-based VAD using LRT.

Status and Perception of Nursing Handover among Korean Nurses in Intensive Care Units (중환자실에서 이루어지는 간호사 인수인계 실태 및 인수인계에 대한 평가)

  • Kim, Chun Mi;Kim, Eun Man;Ko, Ji Woon
    • Journal of Korean Critical Care Nursing
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    • v.8 no.2
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    • pp.13-22
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    • 2015
  • Purpose: This study identified the current status and perception of intensive care unit nurses' handover. Methods: A cross sectional descriptive survey was employed. The population included nurse managers and staff nurses who worked in intensive care units in hospitals with more than 500 beds and excluded nursing homes, psychiatric hospitals, and military hospitals. Results: Of the nurses, 61.7% were satisfied with the current handover method, 68.36% had no handover-related guidelines, and 83.2% of them perceived that the handover was important for patients' safety. The most frequent cause for errors related to handover was that the "nursing workload is heavy." The nurses perceived that their handover was informative ($5.62{\pm}0.79$) and efficient ($5.04{\pm}0.98$). The variables associated with their perception of the handover were the level of satisfaction with the current handover method, existence of handover guidelines, and importance of handover for patient safety. Conclusion: The development of standardized handover guidelines, especially for intensive care units, is necessary to reduce handover time and errors and to improve handover quality for patients'safety and high standards of nursing care.

A Performance Evaluation of Diagnostic Display System by AAPM TG18 (AAPM TG18에 의한 진단용 CRT 디스플레이 시스템의 성능 평가)

  • Kim, H.J.;Jung, H.J.;Min, D.K.;Hong, J.O.;Kim, Y.N.
    • Korean Journal of Digital Imaging in Medicine
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    • v.6 no.1
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    • pp.9-18
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    • 2003
  • 디지털 영상 검출기와 디스플레이 기술의 발달과 의료영상전달시스템(PACS)의 출현은 전통적 필름방식에 비하여 디지털 방식으로 방사선과 영상을 획득하고 전송, 저장하는 매우 효과적인 수단을 제공하고 있다. 2002년 8월, 연세의료원 세브란스병원은 진단 영상 판독 목적으로 18 대의 CRT(Braco View, Belgium)와 32대의 평판 LCD(Totoku Electric Co., Ltd., Japan) 디스플레이 장치를 GE full-PACS(GE 메디칼시스템코리아 : GEMSK)와 연계하여 설치 완료하였다. 본 연구에서, 기하학적 왜곡, 반사, 휘도 반응, 휘도 균일도, 분해능, 노이즈,베일링 글레어, 칼라 균일도 항목들을 AAPM TG18 보고서 9.0에 따라서 시각적 그리고 부분적으로는 정량적인 방법으로 인수검사를 실시하여 보고한다. 사용된 장비는 색도계로도 사용되는 간편한 휘도계, TG18 테스트 패던, AAPM Tg18 AT plug-in software(Barco View Ltd., Kortrijk, Belgium)이었다. 칼라 균일도를 제외한 모든 테스트 결과는 AAPM TG18에서 권고하는 기준에 일치하였으며 진단 영상 판독에 사용하기에 전적으로 수락할 수 있는 성능이었다. 결론으로, 사용된 인수검사는 단지 인수 검사 표준을 제공하는 것 뿐만 아니라 품질검사(QC)의 지침, 판독 환경의 최적화 그리고 교체 시기나 업그레이드 시기를 결정하여주는 중요한 역할을 할 수 있을 것이다.

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Generalized Extending Method for q-ary LCZ Sequence Sets (q진 LCZ 수열군의 일반화된 확장 생성 방법)

  • Chung, Jung-Soo;Kim, Young-Sik;Jang, Ji-Woong;No, Jong-Seon;Chung, Ha-Bong
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.33 no.11C
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    • pp.874-879
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    • 2008
  • In this paper, a new extending method of q-ary low correlation zone(LCZ) sequence sets is proposed, which is a generalization of binary LCZ sequence set by Kim, Jang, No, and Chung. Using this method, q-ary LCZ sequence set with parameters (N,M,L,${\epsilon}$) is extended as a q-ary LCZ sequence set with parameters (pN,pM,p[(L+1)/p]-1,p${\epsilon}$), where p is prime and p|q.

Disney's Acquisition of Fox and the Changing Media Environment in the U.S. (디즈니의 폭스 인수와 미국의 변화하는 미디어 환경)

  • Joo, Jeong-Suk
    • Journal of Convergence for Information Technology
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    • v.10 no.1
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    • pp.28-34
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    • 2020
  • This paper intends to examine the recent acquisition of 21st Century Fox by Walt Disney Co. in terms of how information communication technology, especially the internet, has been reshaping the media industry. In particular, it looks at the deal as Disney's attempt to adapt to the rapidly shifting media environment and strike back at the challenges from online streaming services. After looking at the overview of the deal and some of the major changes and challenges the rise of streaming services has brought to film and media landscape, the paper looks at Disney responded to them by launching its own streaming services and how its acquisition of Fox assets factors in this. It also examines the implications of Disney's move as well as the opportunity and challenges it faces.

Analysis of Mergers and Acquisitions Performance of Korean Construction Corporations by Using Economic Value Added(EVA) (EVA 기법을 활용한 한국 건설기업의 M&A 성과 분석)

  • Choi, Seok-Jin;Kim, Du-Yon;Han, Seung-Heon
    • Proceedings of the Korean Institute Of Construction Engineering and Management
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    • 2007.11a
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    • pp.678-681
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    • 2007
  • There is an increment in Mergers and Acquisitions(M&A) case in international construction market. The world best construction corporations are now merging or acquiring with other companies in variety fields to increase their share of the market in diversified markets and boost their sales. Similarly, M&A cases of Korean construction corporations are now increasing. Although M&A cases are now rapidly increasing, performances of M&A cases haven't been measured. With Economic Value Added technique, the M&A performances of Korean construction corporations are measured in this study.

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Implementation of an Earthquake Alarming System Based on Acceleration Monitoring at Coastal LNG Receiving Terminals (해안 천연가스 인수기지에 대한 가속도 계측 기반의 지진경보 시스템 구축)

  • Sun, Chang-Guk;Jung, Byung-Sun;Kim, Joon-Ho;Hong, Seong-Kyeon;Kim, Ki-Seog
    • The Journal of Engineering Geology
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    • v.20 no.3
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    • pp.339-348
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    • 2010
  • As part of preparing for future earthquakes near three LNG receiving terminals located in coastal regions of Korea, acceleration monitoring systems were installed at four free field sites and on a pile foundation beneath a storage tank in a receiving terminal. Several equipments and accessories were devised to successfully install and operate the monitoring system at LNG receiving terminals. Synthetic earthquake-alarming software systems designed for decisionmaking, based on peak ground acceleration computed using the measured data, were developed for rapid response during earthquakes, not only in each local terminal area but also in the central control division. In addition, a framework software linking nationwide data on peak ground accelerations was included in the integrated earthquake alarming system in the central division, for various future applications. The earthquake alarming systems developed in this research for LNG receiving terminals, based on acceleration monitoring, represent a useful framework for industrial facilities located in coastal regions, where geotechnical conditions may show marked spatial variations.

Review and Application of the Radioactive Waste Certification Program (방사성폐기물 인증프로그램의 검토 및 적용)

  • Chung Hee-Jun;Whang Joo-Ho;Lee Jae-Min;Kim Heon;Jeong Yi-Yeong
    • Proceedings of the Korean Radioactive Waste Society Conference
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    • 2005.11a
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    • pp.126-133
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    • 2005
  • Securing of radioactive waste disposal site and the related operations for disposal of low and intermediate level radioactive waste is being actively carried out in Korea. For disposal of radioactive wastes, physicochemical and radiological status and integrity of radioactive wastes must be secured first. Also, waste generators must provide this information to disposers. In addition, to secure the safety of waste disposal, waste acceptance criteria (WAC) and site specific waste acceptance criteria (SWAC) to consider characteristics of the disposal site are required. Radioactive wastes must be processed, generated, managed and transferred in accordance with these criteria. [1] For this, evaluation of properties on each of the radioactive wastes must be performed. However, in reality, atomic power plants are experiencing difficulties in relation to this due to the large quantity of radioactive waste generation. In order to solve this problem, IAEA and major overseas countries have developed, thus are using waste certification program (WCP) and quality assurance program (QAP) [2,3]. On the basis of these programs, radioactive waste certification program has been developed for safe disposal of radioactive wastes in Korea to satisfy the provisions specified in 'low and intermediate level radioactive waste transfer guidelines' of announcement No. 2005-18 from the Ministry of Science and Technology and specific site waste acceptance criteria (tentative plan). In addition, it is being planned to administer amendment on commercial atomic power plant related procedures and ensile staff training in order for early introduction and operation of radioactive waste certification system.

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