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The Effect of Financial Condition in Saving Banks on Loan Portfolio (저축은행 재무상황이 대출포트폴리오에 미치는 영향)

  • Bae, Soo Hyun
    • The Journal of the Convergence on Culture Technology
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    • v.6 no.4
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    • pp.379-384
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    • 2020
  • The purpose of this study is to analyze the impact of individual savings banks' financial conditions on their loan portfolio after savings bank restructuring. The analysis results are as follows. First, it was estimated that the relationship between the rate of change in the NPL Ratio and the ratio of household loans has a significant positive value. Second, it was estimated that the interaction effect between the rate of change in the ratio of fixed and below loans and the spread of the deposit-to-deposit rate has a significant negative (-) value with the household loan weight. Third, the relationship between the asset size and the proportion of household loans was estimated to have a significant positive (+) value. In other words, it was analyzed that the financial situation of the savings bank affects the loan portfolio, and it should provide important implications for establishing policies for each financial situation of the savings bank. Depending on the financial situation in the future, there is a need to avoid excessive asset expansion of specific loans and preemptive soundness management.

Effect of School-based Sex Education: the Improvement of Sex related Knowledges and Attitudes of Rural High School Women Students (농촌 여자고등학생의 성교육 전과 후의 성관련 지식 및 태도의 변화)

  • Kim, Seok-Beom
    • Journal of agricultural medicine and community health
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    • v.26 no.1
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    • pp.105-114
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    • 2001
  • This study was conducted to analyze the change of sex-related knowledges and attitudes of female students after sex education intervention at rural high school. After conducting a pre-survey on 119 subjects of 1st and 2nd grade female students in two rural high schools in November 1999, 150 minute-sex education was provided for the students by health professional from health center. Two follow-up survey were conducted in one month and six months later to evaluate the effect of sex education. The score of knowledge of AIDS was increased from 8.46 in pre-education to 11.90 in one month and 11.87 in six month later. The positive attitude toward the pre-marage sexual relationship was changed from 16.9% in pre-education to 14.4% in one month and 23.5% in six month later. The opinion for the heterosexual intercommunion during school age was not changed by sex education intervention and the subjects were pro for the making male friends during their school period. The subjects were more understood that AIDS patient should be treated humanly and they recognized that the mode of disease transmission and how to prevent the disease. To maintain the effect of sex education, the continuous and regular educational intervention and team approach from school and health professional should be necessary.

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A Current Review on the Publicness of Electronic Communication Networks: Focused on the Idea of Transport Economics and Network Neutrality (전자 커뮤니케이션 네트워크의 사회적 공공성에 대한 시론: 교통 경제학과 네트워크 중립성 논의를 중심으로)

  • Lee, Young-Joo
    • Korean journal of communication and information
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    • v.36
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    • pp.7-41
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    • 2006
  • This study criticizes the wave of liberalization, privatization, thoughtless and uncontrolled over-competition in the electronic communication networks area. This criticism is based on the 'transport economics' on one side, the 'network neutrality debate' on the other side. Through these standpoints, this study insists that it needs to deal with a social agenda related to the problems such as unplanned and unbalanced development of electronic communication networks, double/tripple-investment in the communication industry, conflicts among network companies and the decline of public values. Also does this study stress on the new ideas in the electronic communication network policy and planning to manage these problems. Electronic communication networks are converging and their borders are blurred. As a result of these flows, the field of information technology, media and contents is faced with radical changes. These changes could be so critical and complicated that nobody can diagnose their multi-level implications. However, the one thing sure is that we should start from the communication networks to think and control a communication system. Therefore, we should discuss and plan the now-and-future of communication infrastructure and its management. we need not only a market mentality but also a socio-cultural mentality. In this respect, this study does insist that it requires the vision of digital democracy and democratic communication ecology to put the steps toward social communication system.

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On the Harzadous Components of Paper Mill Sludge and Sludge Treated Soil (제지(製紙)슬러지와 슬러지 시용토양중(施用土壤中)의 유해성분(有害性分)에 관하여)

  • Lee, Kyu Seung;Choi, Jong Woo;Jo, Jeong Rye;Kim, Moon Kyu
    • Korean Journal of Agricultural Science
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    • v.19 no.2
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    • pp.194-200
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    • 1992
  • In order to use organic resource like a compost 44 samples of paper mill sludge were collected from each paper manufacturer. Some metal and PCBs(polychlorinated biphenyls) contents in/on sludge were investigated and metal contents of soil treated with kraft and paper board sludge were checked in contrast io the non-treated soil. The staple results were the same as followings. 1. Average contents of Pb in sludge ranged 14.5-25.7 ppm, and Al, Cd, Cu, Fe, Zn were similar concentration to unpolluted soil. Also, Cr and Hg were not detected from any sludge sample. 2. PCBs contents in sludge of kraft, paper board and news print paper were determined. Less than 10 ppb of $PCB_s$ contents were detected from kraft and paper board sludges, but a little more was found in sludge of news print paper. 3. Some metal contents in sludge treated soil were much similar to non-treated soil and the concentration also were ranged under the average of unpolluted natural soil. 4. From these results paper mill sludge seemed to be no harmful effects to soil.

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Factor Analysis of Rambling Impediment of New Graduates and Entrants Between Occupations and Educations in Korea IT Labor Market -A central focus on recent unemployment of one factor findings in korea IT labor market (한국의 IT분야 신규 전문인력의 노동이동 저해 분석 - IT 신규 졸업자의 실업원인 규명을 위하여 -)

  • Jang, Chang-Won
    • Korea journal of population studies
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    • v.28 no.2
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    • pp.131-164
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    • 2005
  • The central focus of this research paper is to explore the recent structural core empirical unemployment reason of IT new professional manpower who graduated in higher education level in Korea. The final goal of this issue is to estimate and analyze rambling impediment in IT manpower labor market between 26 detail occupations and between detail occupations and 3 educational levels of new graduates and entrants who entered in IT 6 occupational groups composing 26 particular occupations. This study uses the 2004 data published by the Ministry of ICT and relies upon both one-way analysis of variance and two-way analysis variance to tackle the issue. According to the ANOVA results, 2 main points were delineated In the one-way analysis of variance method. the total sum of squares (SST) is decomposed into two major components: within sum of squares (SSW) (6 detail occupations, 85%) and between sum of squares (SSG) (26 detail occupation, 15%) The other major finding is that total sum of squares (SST) is decomposed into three major components: between detail occupations (SSG) (19.3%), between educations (SSB) and errors (SSE) (56%) in IT SIW development design group.

A Study on the Evaluation of Areal Precipitation in Korea. (한국 면적 강우량 산정에 관한 연구<월별, 계절별 및 연간우량 중심으로>)

  • 정문교;심재설
    • Water for future
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    • v.14 no.4
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    • pp.35-52
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    • 1981
  • This study is to evaluate the areal precipitation from the basic data groups of monthly, seasonal, and annual rainfalls over all ma in stations in Korea. The evaluating pocesses are performed through the point and regional frequency analysis from the basic data. The basic data groups are divided into two periods-the first(1916-1944) and the second (1960-1979)-which are compared with each other. In the point frequecny analysis, the variable transformation method is applied to the best fitting distribution, and the normal fittings are established by using the Chisquare test method. In the regional frequency analysis, the geomorphologic factors and hydrometeorological factors are taken into consideration when dividing into five zones and Thiessen method and the Isohyetal method are applied. The results of this study are as follows: 1)The areal precipitation values of the first period are about 70-80mm less than that of the second period for the whole of Korea. Therefore, a new precipitation value of 1180mm is considered more suitable than the value of 1159mm, which has been up till now. 2)As the annual areal precipitiation values areevaluated over the five divide zones, it tis noticed that the difference between the values of the first period and the second is the largest in spring (to the extent of 5 times that in the other seasonas). Thereform it is considered that this result is necessary for the establishment of a timely insurance plan for the water resources. 3)The application of the Isohyetal method through the division of Korea into five zones is considered to be a reasonable procedure in the analysis of areal precipitation.

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Rice Production, Distribution, and Utilization in China (중국의 쌀 생산, 유통 및 이용현황)

  • Liao, Xiyuan
    • Proceedings of the Korean Society of Postharvest Science and Technology of Agricultural Products Conference
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    • 2002.08a
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    • pp.13-31
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    • 2002
  • 쌀은 중국에서 중요한 식량작물로 제9차 5개년 계획(1966-2000년) 동안 재배면적 31.4백만 ha이며 생산량은 단위 ha당 6,303kg으로 198백만톤에 이르며 이는 재배면적으로는 식량작물의 27.7%, 그리고 생산량으로는 전체식량작물의 40%를 각각 점하고 있다. 이러한 재배면적과 생산량은 각각 세계전체면적과 생산량의 20.7%와 33.7%를 차지하는 많은 량이다. 중국의 남부지역은 전지역의 73.5%가 이모작으로 재배되며 주품종은 Indica이다. 중국의 중부지역은 이모작과 일모작의 재배형태가 2:3으로 공존하고 있으며 양쯔강 이북은 주로 일모작의 형태이다. 중국의 쌀 재배면적은 1960년대 이후 점차 증가하다가 1980년대 후반으로 정체되었다가 최근 90년대 말에 이르러서는 재배면적의 감소가 가속화되고 있으나 단보당 생산량은 꾸준히 증가하고 있다. 2001년 중국의 쌀소비량은 138백만톤으로 이의 85.2%는 식량용으로, 5.8%는 사료용으로, 1.3%는 가공용, 1.5-2.0%는 수출용으로 그리고 1.2%는 종자용으로 소비되었다. WTO체제에 들어서도 중국의 쌀 생산에는 크게 영향을 받지않을 것으로 여겨지는데 그 이유로는 충분한 생산능려과 자급률, 쌀의 낮은(4%) 국제교역비율, 총생산량에 대한 낮은 쿼터비율 등을 들 수 있다. 그러나 WTO체제 가입에 따른 압력 또한 존재하는 것이 사실인데 그것은 낮은 품질, 국제가격보다 높은 국내가격 등을 들 수 있다. 향후 중국 쌀의 발전적 전략들로는 쌀의 안정적 발전을 지속하는 일, 쌀 재배구조 조정과 함께 높은 미질을 가지는 품종육종, 기계화를 비롯한 경작기술의 발달, 쌀과 부산물 가공기술의 개발연구, 특징 기능을 함유하는 유전공학적 기술의 적용, 토지와 도시화 그리고 식량순환에 시스템의 개혁 등 과학기술을 고양하는 일 등을 들 수 있다.TEX>$\times$10cm의 소식일수록 짧아서 재식주수와 경장은 정의상관이 인정되었다. 9 경직경은 30$\times$10cm, 40$\times$10cm의 소식일수록 크고 20$\times$10cm의 밀식일수록 작았다 10. 수량구성요소인 주근장과 수량인 건근중은 30$\times$10cm, 40$\times$10cm의 재식주수가 적을수록 높아서 재식주수와는 부의 상관이 인정되었다. 11 이상과 같은 결과로 보아 경직경이 크고 주근장이 길어서 10a당 건근중이 많은 30$\times$10cm(33주/$m^2$)가 알맞은 재식거리였다.에 대한 인식을 새롭게 하고 농약취급시의 건강장해예방행동을 촉구하는 등의 효과도 높은 것으로 예방의학적인 유용성이 크다고 볼 수 있다. 미침을 알 수 있었다. 대두 단백질로 코팅된 golden delicious는 상온에서60일 동안 보관하였을 경우, 사과표피의 색도 변화를 현저히 지연시킴을 확인하였다. 또한 control과 비교하여 성공적으로 사과에 코팅하였으며, 상온에서 보관하여을 때 사과의 품질을 30일 이상 연장하는 효과를 관찰하였다. 이들 결과로부터 대두단백질 필름이 과일 등의 포장제로서 이용할 가능성을 확인하였다.로 [-wh] 겹의문사는 복수 의미를 지닐 수 없 다. 그러면 단수 의미는 어떻게 생성되는가\ulcorner 본 논문에서는 표면적 형태에도 불구하고 [-wh]의미의 겹의문사는 병렬적 관계의 합성어가 아니라 내부구조를 지니지 않은 단순한 단어(minimal $X^{0}$ elements)로 가정한다. 즉, [+wh] 의미의 겹의문사는 동일한 구성요 소를 지닌 병렬적 합성어([$

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Quality Characteristics of Sponge Cake upon Addition of Paprika Powder (파프리카 분말을 첨가한 스폰지 케이크의 품질특성)

  • Jeong, Chang-Ho;Kim, Jin-Hee;Cho, Jeong-Rai;Ahn, Cheol-Gun;Shim, Ki-Hwan
    • Food Science and Preservation
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    • v.14 no.3
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    • pp.281-287
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    • 2007
  • This study investigated the quality characteristics of sponge cakes with addition of paprika powders prepared from different cultivars. Powders from the special cultivar(FDFP: freeze dried fiesta paprika powder) and the fiesta cultivar(FDFP: freeze dried fiesta paprika powder) were used. The specific gravities, viscosities, heights, specific volumes, colors, textures and sensory evaluations of cake dough containing 2, 4 and 6%(all w/w) paprika powders were measured. Specific gravity and viscosity tended to increase on addition of paprika powder. Cake height and specific volume tended to decrease on addition of paprika powder. Substitution of paprika powder for flour also resulted in decreased yellowness and lightness, and increased redness, of the cake crust. The hardness of cakes containing paprika powders was higher than that of control cakes without paprika powders. Thecolor of the cake crust became darker as the amount of paprika powder increased. The results of sensory evaluation by quantitative descriptive analysis showed that the overall acceptability of sponge cakes containing 4% paprika powder, from either cultivar, was higher than that of control cakes without paprika powder.

Study on Reducing Logistics Costs and Inventory Control System according to facilities integration in the Closed-Loop Supply Chain Environment (순환형 공급체인 환경에서 시설 통합에 의한 물류원가 절감 및 재고관리시스템 모델구축에 관한 연구)

  • Lee, Jeong Eun
    • Journal of Korea Society of Industrial Information Systems
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    • v.19 no.5
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    • pp.81-90
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    • 2014
  • It is an element certainly required for the cost reduction of a company that forward and reverse logistics chain are unified and constitutes a resource closed-loop supply chain (CLSC). In this study, the inventory control which unifies inventory of distribution centers (DCs) of forward logistics and processing center of reverse logistics in the CLSC environment is proposed. The inventory system model for newly-constructed CLSC considers the JIT(Just-In-Time) delivery from the processing center to the manufacturer, including the making of decisions on whether to wait for the arrival of end-of-life products or to back-order necessary products for manufacturer when the supply of end-of-life products at the processing center via the returning center is insufficient for the demands of the manufacturers. The validity of the proposed model was verified using the genetic algorithm (GA). In order that a parameter might investigate the effect which it has on a solution, the simulation was carried out for priGA(priority-based GA) on three kinds of parameter conditions. Moreover, mhGA(modified hybrid GA) to which a parameter is adjusted for every Study on Reducing Logistics Costs and Inventory Control System according to facilities integration in the Closed-Loop Supply Chain Environment generation, the simulation was carried out to a four-kind numerical example.

Development of the scale for recognition measurement of Home Economics Subject (가정교과의 인식 측정을 위한 척도 개발 연구)

  • Baek, Min-Kyung;Wang, Seok-Soon
    • Journal of Korean Home Economics Education Association
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    • v.24 no.2
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    • pp.101-116
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    • 2012
  • The purpose of this research is to develop a scale to measure how students and parents, who are the consumers of education, and home economics teachers and education experts, who are the suppliers, recognize the home economics subject, based on the characteristics and goal of the revised home economics curriculum that is currently being applied in South Korea, in the year 2007. To do this, the survey on home economics recognition developed and utilized in prior researches was used as the basic data. The final version of 60 questions was made by adding questions made through steps. They include question quality factor verification through step1-interview, step2-draft questions, step3-preliminary research, and step4-substantiation research of four groups. As a result of the factor analysis of the recognition of home economics, credibility is high in all factors. The final scale consists of 8 factors, when the explanatory power is 57.439%. This shows that home economics has been established as education for living and a practical subject. Nevertheless, it needs further improving to be recognized as a subject involving emphasis on healthy formation of family life and a subject of practical criticism.

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