• The Journal of the Convergence on Culture Technology
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• v.5 no.4
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• pp.277-282
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• 2019

This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.

• Journal of Korean society of Dental Hygiene
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• v.13 no.3
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• pp.475-480
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• 2013

Objectives : The aim of this study was to analyze self-perceived oral malodor symptoms and associated factors among adults in metropolitan area. Methods : This research was based on self-perceived oral malodor symptoms survey in 413 adults from March 5 to May 7, 2012. Data were analyzed with chi-square test, and stepwise multiple regression analysis using SPSS WIN 12.0 program and significance level was set at p<0.05. Results : The prevalence rate of self-perceived oral malodor symptoms was 62.7%. The most influencing factors of self-perceived oral malodor symptoms was age. The other factors were self-perception stress level, exercise, and periodontitis in the order. Conclusions : In order to reduce self-perceived oral malodor symptoms, it is necessary to maintain mental and physical soundness basically.

• Journal of Fisheries and Marine Sciences Education
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• v.26 no.6
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• pp.1442-1450
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• 2014

The aim of this study is to develop a model for the alternative selection in port privatization using Brainstorming, the ISM and AHP methods. For this, 30 detailed attributing factors were identified by both previous studies and port users, Also, 13 attributing evaluation factors were identified by a group of port experts using the brainstorming method. These were made into a model of hierarchical structure with 3 levels, taking 1 goal factor, 5 evaluation factors and 7 alternative factors using the ISM method. The collected date of questionnaires through the AHP method were analyzed with a group of port experts for an empirical analysis. The result of the hierarchical level 2 shows that profitability is the most important factor, followed by public interest, management professionality, service quality and financial soundness. The analysis results of hierarchical level 3 shows that commercialization is the most important factor.

• Asia-Pacific Journal of Business
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• v.12 no.4
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• pp.253-270
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• 2021

Purpose - The main purpose of this study is to measure and evaluate the level of national liabilities that Korea's national finances can afford. Specifically, the concepts of national debt and national liability are clarified, and the appropriate level of national liabilities is measured in terms of short-term fiscal crisis, mid-to-long-term fiscal crisis, and GDP. Based on these measurements of fiscal crisis, this study would like to propose national fiscal management plans. Design/methodology/approach - In order to clearly recognize the difference between the national debt and the national liability, this study examines the data from 2013 to 2020. In addition, this study uses data from the national financial statements from 2013 to 2018 to measure the appropriate level of national liabilities in terms of fiscal crisis management. Findings - Short-term fiscal crises, measured by current ratios, will not occur. Nevertheless, in view of the cash flow compensation ratio, the short-term bankruptcy of the national finances of Korea depends on the re-borrowing of short-term borrowings and current and long-term borrowings. In addition, in order to manage the mid-to long-term financial crisis, it is necessary to pay attention to the liability growth rate rather than the liability size. Research implications or Originality - While previous studies focused on the appropriate level of national debt, this study was differentiated as a study focused on the level of national liability coverage. It is expected that the results of this study will be used to manage the national fiscal soundness.

• Journal of Cadastre & Land InformatiX
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• v.45 no.1
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• pp.75-97
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• 2015

Recently public institutions' debt is growing therefore it became an important issue to the level that the government concerns about the possibility of financial burden to reduce the debt. Especially debt of public enterprises in metropolitan areas was in a serious state where debt in late 2013 was 43.2 trillion, which takes approx. 58.4% of 73.9 trillion of debt of all local public enterprises. Sound financial state of local public enterprises is important to public enterprises in metropolitan areas and it may affect seriously financial stability of local governments when public enterprises have financial problems. However, land supply business to form local industrial complexes or local demand for development of public rental housing business always exist; and vitalizing local economy and creating jobs through these businesses are very necessary to develop the areas. However, for local economic development, industirial land business and public rental housing business are needed. In this study, Gwangju Metropolitan City Corporation Ltd is used as a case study to evaluate the local public financial soundness via debt management assessment i.e.(using) the feasibility analysis in the urban development and housing development. As an improvement measure following the result of analysis, for the enhancement of financial soundness of urban innovation corporation, the government and local government shall evaluate and differentiate market demand, price competitiveness, and infrastructure of new town land development project to improve accuracy of project feasibility analysis. Another important insight is that there should be local government-centered management of liabilities of the local government and local public enterprises with the integrated liability management system to reduce the liability of the corporation and solve the issue of debts for local government. This study is significant in that it has analyzed cases from the theoretical aspect to secure financial soundness of national and local public enterprises.

• Korean Journal of Construction Engineering and Management
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• v.21 no.5
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• pp.64-73
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• 2020

The government announced a plan for fund support to the enterprises with high possibility of recovery and early restructuring for the enterprises with low recovery by objectifying credit assessment system. Such announcement of government could be extended to restructuring risk of middle standing enterprises with low financial soundness by establishing the basis to prepare prompt restructuring by reinforcing the basis for restructuring through capital market. This research analyzed financial soundness based on the financial evaluation of bank by selecting 10 middle standing construction companies which focused on housing business in 2019, based on such analysis result, it was confirmed that there was a high possibility of restructuring risk. This research determined that there would be a decrease in growth rate of construction industry on the whole in 2020 due to fall of economic growth rate and reinforced real estate regulation, accordingly, there's a big possibility for middle standing construction companies with paid-in capital ratio due to its low possibility of maintenance of stable credit rating. This research established KCSI assessment model by utilizing the material of a reliable research institute in order for middle standing construction companies to evade restructuring risk, and indicated risk ratio differentiated per each item through a working-level expert survey. Such research result could suggest credit risk reduction method to middle standing construction company management staffs, and prepare a basis to evade restructuring risk.

• Hwankyungkyoyuk
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• v.15 no.2
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• pp.1-13
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• 2002

The progress of environmental science and technology in the developed countries has been rapid in recent years. Particularly remarkable has been the advancement of various pollutant control measures, which have brought the pollution of inorganic factors such as air and water under control. In contrast, diversity of the ecosphere, of which man is a part, is being steadily impoverished and the biological community is getting unvaryingly uniform. These phenomena were brought about by the expansion of artificial environment such as new industrial complexes, transportation facilities and urban development. Man has constructed uniform and artificial environment, believing in the premise of confrontation with nature, to such a scale that the natural environment and biological community have lost their balance. This will increasingly endanger the soundness of the biotic environment of nature, which constitutes the potential foundation both for the survival environment of man as biological entity and for the development of human civilization. In order to guarantee the soundness of man's body, intelligence and sensitivity as wholesome gene pool on the earth and for the future of man, primarily important environmental education is the understanding of how man can everlasting exist in and with the survival environment. In view of this reality, it is vitally important to create ecologically diverse and well-balanced environment with living materials, i.e., vegetation in order to secure lasting survival environment for man. This task is urgently required in highly artificial environment where non-biological materials have forced the impoverishment of the biological community. Therefore, environmental education for the future should not be totally oriented to technology as that in the past nor it is limited to the medical aspect where well-being of human is the sole object of concern. That is to say, environmental education for the future should be one that provides knowledge that human can understand his place based on the ecological concept and thereby make him to have ethical consciousness that he can control his behavior within the reasonable level for ecological niche who he is located.

• Hwankyungkyoyuk
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• v.15 no.1
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• pp.137-147
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• 2002

The progress of environmental science and technology in the developed countries has been rapid in recent years. Particularly remarkable has been the advancement of various pollutant control measures, which have brought the pollution of inorganic factors such as air and water under control. In contrast, diversity of the ecosphere, of which man is a part, is being steadily Impoverished and the biological community is getting unvaryingly uniform. These phenomena were brought about by the expansion of artificial environment such as new industrial complexes, transportation facilities and urban development. Man has constructed uniform and artificial environment, believing in the premise of confrontation with nature, to such a scale that the natural environment and biological community have lost their balance. This will increasingly endanger the soundness of the biotic environment of nature, which constitutes the potential foundation both for the survival environment of man as biological entity and for the development of human civilization. In order to guarantee the soundness of man's body, intelligence and sensitivity as wholesome gene Pool on the earth and for the future of man, primarily important environmental education is the understanding of how man can everlasting exist in and with the survival environment. In view of this reality, it is vitally important to create ecologically diverse and well-balanced environment with living materials, i.e., vegetation in order to secure lasting survival environment for man. This task is urgently required in highly artificial environment where non-biological materials have forced the impoverishment of the biological community. Therefore, environmental education for the future should not be totally oriented to technology as that in the past nor it is limited to the medical aspect where well-being of human is the sole object of concern. That is to say, environmental education for the future should be one that provides knowledge that human can understand his place based on the ecological concept and thereby make him to have ethical consciousness that he can control his behavior within the reasonable level for ecological niche who he is located.

• Proceedings of the KSR Conference
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• 2004.06a
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• pp.1393-1395
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• 2004

Arresters are the best protective device on electrical power systems against transient overvoltages generated by lightning and/or switching operation. Nonetheless, arresters will be deteriorated due to absorption of moisture in the environments of its use, repetition in the protective operation to overvoltages, and some defects at manufacturing. It is therefore important to estimate the electrical characteristic changes of ZnO blocks. In this paper, an accelerated deterioration test by a standard lightning impulse current was carried out to extract parameters needed for diagnosing arrester deterioration, and leakage current components were measured. Total energy applied to the ZnO blocks at each time is 1,050[J] in 8/20[${\mu}s$] impulse current. From the experimental results, we proposed electrical parameters and leakage current level to diagnose arrester soundness.

• Transactions of the Korean Society for Noise and Vibration Engineering
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• v.25 no.9
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• pp.593-598
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• 2015

In this paper, the silencer for large caliber gun to reduce the propagation of gun-generated noise was studied. The results of structural analysis and firing test were described. Structural analysis was conducted by using a commercial program, ANSYS, and showed that there was not any structural problem. The sound pressure level was diminished about 10 dB by the silencer adapted in front of the gun and the soundness of the material was verified from the internal pressure measurement. The reduction of weight, improvement of durability and speed-up of actuating device have to be studied later to improve the usability of silencer for large caliber gun.