• KDI Journal of Economic Policy
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• v.32 no.4
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• pp.1-34
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• 2010

We conduct a comprehensive risk analysis of household debt in Korea for the first time using the whole sample credit bureau (CB) data of 2.2 million individual debtors. After analysing debt service capacity profiles of debtor groups classified by the borrower characteristics such as income, age, occupation, credit scoring, and the type of creditor business companies, we investigate the impact of interest rate and income changes on debt service-to-income ratios (DTIs) and default rates of respective debtor groups. Empirical results indicate that debt service burdens are relatively high for low income wage earners, high income self-employed, low income capital and card loan holders, and high income mutual savings loan holders. We also find that debtors from multiple financial companies are particularly weak in their debt service capacity. The scenario analysis indicates that financial companies, with the current level of capital buffers, may be able to absorb negative consequences arising from the increase in DTIs and loan default rates if the interest rate and income changes remain modest. However, the negative consequences may fall disproportionately on non-bank financial companies such as capital, credit card, and mutual savings banks, whose debtors' DTIs are already high. We also find that the refinancing risk of household debt is relatively high in Korea as more than half of household mortgage debts are bullet loans. As the DTIs of mortgage loan holders are already high, under the current DTI regulation, mortgage loans may not be readily refinanced especially when the interest rate rises. Disruptions in mortgage loan refinancing may put downward pressure on housing prices, which may in turn magnify refinancing risk under the current loan-to-value (LTV) regulation. Overall our analysis suggests that, for more effective monitoring of household debt risk, it is necessary to combine existing surveillance schemes based on macro aggregate indicators with more comprehensive and detailed risk analyses based on micro individual data.

• Journal of the korean academy of Pediatric Dentistry
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• v.32 no.4
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• pp.595-603
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• 2005

Incomplete removal of bacteria contaminated dentin or enamel associated with caries is a potential problem in restorative dentistry Secondary or residual caries, pulpal inflammation and hypersensitivity may result from bacteria left after the initial preparation, especially if an adequate seal against microleakage is not obtained. A possible solution to eliminate residual bacteria left in a cavity preparation would be to treat the cavity with cavity disinfectant wash. But a potential problem with using a cavity disinfectant with dentin bonding agents could be their interference with the ability of the resin to bond to the tooth micromechanically. The purpose of this study was to evaluate the effect of 2% chlorhexidine containing cavity disinfectant ($Consepsis^{(R)}$) on shear bond strength and microleakage of dentin bonding agents, $Adper ^{TM}$ $Scotchbond^{TM}$ Multi-Purpose, $Adper^{TM}$ Single Bond and $Adper^{TM}\;Prompt^{TM}\; L-Pop^{TM}$ Sixty and sixty sound human third molar teeth, respectively, were used for shear bond strength and microleakage test. For experimental group, cavity disinfectant was applied before dentin bonding agents, and was not applied for the control group. The result from the this study can be summarized as follows ; 1. Use of 2% chlorhexidine containing cavity disinfectant($Consepsis^{(R)}$) does not significantly affect the shear bond strength of dentin bonding agents. 2. Use of 2% chlorhexidine containing cavity disinfectant($Consepsis^{(R)}$) does not significantly affect the microleakage of dentin bonding agents.

• Journal of the Korean association of regional geographers
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• v.7 no.1
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• pp.67-82
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• 2001

Recently, local traditions and cultural assets have been rediscovered and developed as resources in local societies of Korea and a great deal of effort has been made to develop event tourism. Based on this renewed interest, this study chose as a case the Wang In Cultural Festival in Kurim-ri, Yongam, and examined the background of the early Wang In Cultural Festival and its evolution up to the present focusing on. the festival program. In Cultural Festival first began as the Wang In Cherry Blossom Festival in 1993 with a budget of 50 million won, and has been developed into a large-scale festival with a budget of 340 million won, attracting 500,000 visitors in 2000. Together with such evolution, there has been a great change in the organization and content of the Festival program. The most important change began in the 1997 which included a religious service for Confucian scholars called 'Chunhyang Grand Festival for Dr. Wang In' as a core program. Since then, festival programs related to Dr. Wang In have greatly increased in number. A decisive change became prominent when the festival promotion system was transferred from the Kunseo Young Men's Association during the early period(1993-1996) to Youngam-gun in 1997. It is true that the Wang In Cultural Festival, which began as a purely regional festival initiated by a non-governmental organization, changed a lot in terms of its scale and program when Youngam-gun emerged as a strong leading group in 1997. However, not enough consideration has been given to institutional devices and procedures that are required for the local culture to take a firm root in the community through the festival. Therefore, in order to solve such fundamental problems, a permanent non-governmental organization is required for festival preparation. In addition, in order to promote overall progress of the community and an increase in the quality of the cultural environment of the local society through the festival, it is necessary to discover and promote recognition of cultural groups in the community.

• Journal of Practical Agriculture & Fisheries Research
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• v.11 no.1
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• pp.103-111
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• 2009

This study was carried out to determine effects of long-term supply of Cordyceps militaris mycelia on cordycepin content in milk in dairy cows. Ten Holstein cows in the early stages of lactation were divided into two groups. Control group received no supplement whereas treatment group received 6% of C. militaris mycelia of their dry matter intake for 6 months. Feed intake, milk urea nitrogen and somatic cell counts were not affected by long-term supply of C. militaris mycelia for the whole period. In addition, milk yield and milk composition were not affected by long-term supply of C. militaris mycelia at any time of the periods with the exception of milk protein content and yield. The average of milk protein content and yield from the whole period was higher for C. militaris mycelia supplement group than for the control group. As expected, cordycepin in whole blood and milk was not detected in the control group. The range of cordycepin content in the treatment was 0.31~0.38µ/ml and 0.18~0.26(µ/ml for whole blood and milk, respectively. Individual variation was found to be very high and, furthermore cordycepin was undetected in some milk samples. Thus, no clear pattern could be seen in cordycepin content in milk throughout the whole period. Overall, the results of the present study suggest that the transfer efficiency of cordycepin to milk by supplementing C. militaris mycelia in dairy cows was unpredictable and low.

• Korean Journal of Environmental Biology
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• v.39 no.3
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• pp.354-361
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• 2021

Understanding the phytotoxic mechanism of methyl bromide (MB), an essential fumigant during the quarantine and pre-shipment process, is urgently needed to ensure its proper use and reduce international economic losses. In a previous study, two main MB-induced toxic mechanisms such as reactive oxygen species (ROS) and auxin distribution were selected by analyzing transcriptomic analysis. In the study, a 3-week-old A. thaliana was supplied with 1 mM ROS scavengers [N-acetyl-L-cysteine (NAC) or L-glutathione (GSH)] and 1µM indole-3-acetic acid(IAA) three times every 12 h, and visual and gene expression assessments were performed to evaluate the reduction in phytotoxicity by supplements. Phytotoxic effects on the MB-4h exposed group were decreased with GSH application compared to the other single supplements and a combination of supplements at 7 days post fumigation. Among these supplements, GSH at a concentration of 1, 2, and 5mM was suppled to A. thaliana with MB-fumigation. During a long-term observation of 2 weeks after the fumigation, 5 mM GSH application was the most effective in minimizing MB-induced phytotoxic effects with up-regulation of HSP70 expression and increase in main stem length. These results indicated that ROS was a main key factor of MB-induced phytotoxicity and that GSH can be used as a supplement to reduce the phytotoxicity of MB.

• Journal of the korean academy of Pediatric Dentistry
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• v.34 no.3
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• pp.408-419
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• 2007

In the child, it is very important that he/she will have the ability to suppress aesthetic restorative materials of secondary caries. With the representative preventive material against caries, the importance of fluoride is more emphasized. This study examined the differences in fluoride release and re-uptake among some restorative materials, following a treatment of APF gel and fluoride varnish. The surface roughness was observed under scanning electron microscope. Studying this will provide for the research to find effective restorative materials and fluoride type in tooth caries prevention. It is applied from presence at a clinic that restorative materials are resin, flowable resin, compomer and glass ionomer. Fluoride release was measured at 24-hour intervals for 7 days, 3-day intervals from 8th to 38th day using an ion-selective electrode and analyzer. Then, the materials were treated with the fluoride gel and fluoride varnish respectively, fluoride release was measured and specimens were evaluated under scanning electron microscope for 4 weeks. It was concluded that 1. Fluoride was released for 38 days from restorative materials under 1 ppm in case of flowable resin, 1-2 ppm in compomer and 2-8 ppm in glass ionomer, a few of fluoride was released after 45 days 2. Fluoride has more releasing after application of APF gel than fluoride varnish. Fluoride re-uptake was observed under 0.6-0.2 ppm in fluoride varnish and 0.6-2.6 ppm in APF gel after starting the procedure one day(p<0.05). For the remaining 4 weeks, they demonstrated a similar release. 3. Specimens were evaluated under scanning electron microscope. Applied fluoride in the experimental group surface was rougher than the control group that did not receive fluoride application. Fluoride varnish group had a smoother surface than both the APF gel group and the varnish APF gel group that received a fluoride application.

• Korean Journal of Clinical Laboratory Science
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• v.49 no.1
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• pp.28-39
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• 2017

Persistent organic pollutants (POPs) can affect epigenetic mechanisms and obesity development. Polybrominated diphenyl ethers (PBDEs)-widely used to make flames-are one of the important POPs. Prenatal exposure to endocrine disrupting chemicals (EDCs), such as POPs, may affect global DNA methylation in long interspersed nuclear elements (LINE-1), increasing the risk of obesity later in life. Therefore, pregnant Sprague-Dawley (SD) rats were used to elucidate whether BDE-47 and BDE-209 transferred through placenta and breast milk cause epigenetic changes in LINE-1 and increase genetic susceptibility to obesity as obesogen during the developmental periods. Global DNA methylation in LINE-1 and gene expression related to obesity were measured in dams and offspring, using a methylation-sensitive high resolution melting analysis (MS-HRM) and direct bisulfite sequencing and quantitative real time polymerase chain reaction (qPCR), respectively. The results of MS-HRM showed global DNA hypomethylation patterns in LINE-1 of exposed offspring (2 of total 4) at PND 4, but bisulfite sequencing showed no difference in both the exposed and non-exposed groups. Gene expression in dams related to ${\beta}$-oxidation pathway and those related to adipokines showed different patterns between the two groups. On the contrary, gene expressions of offspring showed a similar pattern. Gene expressions related to ${\beta}$-oxidation pathway and obesity were significantly increased when compared with 'at birth', but not $PPAR-{\alpha}$. In conclusion, this study demonstrated the possibility that co-exposure to BDE-47 and BDE-209-via the placenta and breast milk-may affect epigenetic changes and modulate gene expression levels related to obesity.

• Korean Journal of Soil Science and Fertilizer
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• v.18 no.2
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• pp.177-188
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• 1985

To clarify the characteristics and genesis of clayey terrace soils in Yeongnam area, macro-morphological features and soil profile development indexes were investigated with the sequential soils in Yeongcheon (inland region) and in Yeongil (coastal region). The results are summarized as follows; 1. According to the physiogaphy and landuse, the terrace soils were discernible to well drained yellowish red (5 YR) profile of higher terrace (Bancheon series), moderately well drained reddish yellow (7.5 YR) profile of middle terraces (Upyeong and Hwadong series), and lower terraces (Deogpyeong and Geugrag series) which were moderately well to imperfectly drained by paddy-fication. 2. The roundness and sphericity of the gravels contained in the terrace deposits were ranged around 0.543-0.546 and 0.723-0.722, respectively. The rounded to well rounded gravels were resemble to typical alluvial origins. 3. The amount of clay minerals formed in the soil horizons per 100g of parent materials were 50.8-30.7g while the rates of the clay leached were 30.1-7.4%, and the higher terrace had the more leaching rates. 4. The index of profile development of the terrace soils ranged from 37.95 to 22.01 and the index were positively correlated with relative elevations of the soils. The rates of clay leaching were positively correlated with the ratios of clay in the illuvial horizons to elluvial horizons. 5. A similarity was observed among cumulative grain size curves of the terrace soils, but the patterns of recalculated silt free cumulative grain size curve of terrace deposits in Upyeong soils in Yeongil area were abruptly different from down layer that suggest the soil to have bisequum profile.

• Journal of Environmental Impact Assessment
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• v.10 no.2
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• pp.109-121
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• 2001

Water environment and freshwater algae were studied in the upstream of the Tamjin River Dam. Among the environmental factors, DO concentration in the Tamjin River ranged from 9.0 mg $O_2/l$ to 9.2 mg $O_2/l$, pH from 7.0 to 7.1 and conductivity from $98{\mu}S/cm$ to $100{\mu}S/cm$. Average concentration of $NH_4$ and $NO_3$ ranged from $40{\mu}g\;N/l$ to $56{\mu}g\;N/l$ and from $489{\mu}g\;N/l$ to $611{\mu}g\;N/l$, respectively. $NO_3$ was more plentiful above 9~15 fold than that of $NH_4$. Average concentrations of soluble reactive phosphorus and soluble reactive silicon were $2{\mu}g\;P/l$ and 1.6 mg Si/l, respectively. Particulaly, Si nutrient increased by heavy rain events during summer season. The ratios of N/P and Si/P ranged from 248 to 261 and from 640 to 740, respectively. It is assumed that P would be limiting nutrient on the freshwater algal growth. Average content of planktonic chlorophyll-a ranged from $5{\mu}g/l$ to $13{\mu}g/l$. Mean contents of chlorophyll-a, phaeo-pigment and ash-free dry matter of periphyton were $50.3mg/m^2$, $11.9mg/m^2$, $11.5g/m^2$ in the main stream and $30.1mg/m^2$, $5.6mg/m^2$, $7.8g/m^2$ in the tributary. By comparison of the epilithon biomass, the main stream was higher with 1.5~2.1 fold than the tributary. The impotant algae were composed of diatom Achnanthes linearis, A. minutissima, Fragilaria crotonensis, Gomphonema gracile, Tabellaria flocculosa and blue-green algae Microcystis aeruginosa. In the relative abundance of the phytoplankton and epilithon, the serial dominance were diatom > green algae > blue-green algae, and diatoms were very abundant in comparison with other algal phylum.

• Korean Journal of Soil Science and Fertilizer
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• v.24 no.1
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• pp.61-68
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• 1991

Thirty Bradyrhizobium japonicum isolates (10 strains per each soil) from 1 uncultivated [Sangnam(Soil 1), Milyang]- and 2 cultivated [Dong(Soil 2)and Chinbuk(Soil 3), Changweon] upland soils in Yeongnam area were evaluated on their symbiotic effectiveness to soybean [Glycin max (L.)] cv. Korean Jangbaekkong and American Clark and examined on their serological diversity. The results obtained were summarized as follows : 1. On symbiotic effectiveness of B. japonicum with plant genotypes, isolates showed a relatively high value of nodule mass in Jangbaekkong cv. and of shoot dry weight and total nitrogen in Clark cv. demonstrating the order of Soil 1> Soil 2> Soil 3 isolates. 2. Among 30 B. japonicum isolates, YCK 141 showed the best effectiveness on mean nitrogen fixation of two cultivars. 3. Thirty indigenous B. japonicum showed 6 types of serological diversities in the immunoblot analysis which were present in various proportions at Soil 2(5) and Soil 3(5) except Soil 1 where all isolates fell into the YCK 117 serogroup. And their distribution order was serotype YCK 117( 12 strains) > USDA 1l0(5strains), USDA 123(5 strains) > YCK 150(4 strains) > YCK 141(3 strains) > YCK 226(1 strain). 4. Especially, 10 isolates from Soil 1, an uncultivated orchard, showed a very homologous pattern in not only effectiveness but serological distribution. It seemed to indicate that the isolates were typically affected by numerous physical and environmental factors of the soil.