• 가족자원경영과 정책
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• 제22권1호
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• pp.63-78
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• 2018

This study examined the insolvency of debtors using multiple-indicator approaches and compared the outcomes across income levels with the 2016 'Household Financial and Welfare Survey'. This study used (1) the total debt to total assets ratio (DTA), (2) the total debt service ratio (DSR), and (3) the Household Default Risk Index (HDRI) recently developed by the Bank of Korea. Households in the lowest income quintile were more likely to be insolvent than any other income group. Demographics, such as age and gender of the household head, and most of the financial variables significantly increased the likelihood of insolvency based on the DTA. The number of household members and job status increased the likelihood of insolvency based on the DSR. Also, age, gender of the household head, and most of the financial variables increased the likelihood of household insolvency based on the HDRI after controlling for other demographics and financial variables.

• 가족자원경영과 정책
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• 제23권2호
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• pp.99-115
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• 2019

This study examined the insolvency likelihood of young debtors from the 2018 Household Financial and Welfare Survey. This study used the Household Default Risk Index (HDRI), which considers the ratio of total debt to total assets (DTA), and a total debt service ratio (DSR) to examine the insolvency level of debtors. The descriptive analyses showed no difference in frequency of households with a high probability of insolvency between those less than 35 years of age and those over 35 years of age. However, the median HDRI value for those less than 35 years of age was higher than those over 35 years of age. The multivariate analyses indicated that educational expenses for young Korean debtors was a factor that increased their probability of insolvency, while income was the only variable that decreased their insolvency likelihood.

• Journal of the Korean Data and Information Science Society
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• 제27권1호
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• pp.265-274
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• 2016

In this paper, we consider a diffusion risk process, in which, its surplus process behaves like a Brownian motion in-between adjacent epochs of claims. We assume that the claims occur following a Poisson process and their sizes are independent and exponentially distributed with the same intensity. Our main goal is to derive the exact formula of the joint moment generating function of the ruin time and the total amount of aggregated claim sizes until ruin in the diffusion risk process. We also provide a method for computing the related first and second moments using the joint moment generating function and the augmented matrix exponential function.

• 복식
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• 제53권7호
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• pp.29-36
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• 2003

The purposes of this syudy were to identify the factors of perceived risk, satisfaction, and intention on rental clothing. The subjects were 767 adults residing in Jeonbuk province. The research was made from February 20 to March 19, 2003. Fof data analysis. frequencies, percentages, mean, and standard deviations were calculated. Also, factor analysis and stepwise multiple-regression analysis were done. The results were as follows: 1. Approximately half of the respondents had experiences of rental clothing, and the most frequent items were wedding dress, degree gown, performance dress, and sports wear in descending order. 2. The factors of perceived risk of rental clothing were divided into lost, appropriateness, and damage, and total variance was 62.51%. The perceived risk about damage of rental clothing was the highest, and lost was the lowest. 3. The factors of rental clothing satisfaction were divided into appearances, store status, function, and fitness, and total variance was 59.96%. The satisfaction of function of rental clothing was the highest, and the store status was the lowest. 4. The intention on rental clothing was high in case of higher interest in rental clothing, higher educational level. more experiences in rental clothing, lower perceived risk of damage on the rental clothing, and younger person, and these variables explained 54.00% of the intention on rental clothing.

• 한국보건간호학회지
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• 제22권1호
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• pp.27-38
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• 2008

Purpose: To determine the degree of cardiovascular disease risk according to socioeconomic factors among midlife women in the community and thereby provide baseline data for the development of health promotion programs. Method: A total of 200 women participated in health screenings and a health survey. The survey was performed in November and December, 2006. The survey instruments included socioeconomic factors, health behavior (smoking and exercise), and family history. Biophysical measurement included BMI and blood pressure. Blood samples were drawn for glucose and total cholesterol tests. Results: The mean age was 52.5 years, 34.0% had received education less than 6 years, 70.0% earned a monthly income of less than \1,500,000, and 61.5% were homemakers. Cardiovascular disease risk was significantly different by age (BMI, systolic BP, and exercise), education (systolic BP), monthly income (T. cholesterol), marital status (smoking), and occupation (exercise). Most women had 2 or 3 cardiovascular disease risks. Older age, lower education, and lower income were significantly associated with increased cardiovascular disease risk. Conclusion: Efforts should be made to decrease the number and severity of cardiovascular disease risk factors for midlife women in the community by developing health promotion programs targeting to modify their cardiovascular disease risk factors.

• 한국공간구조학회논문집
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• 제12권2호
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• pp.73-80
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• 2012

2002년부터 2010년까지 세계적으로 발생한 테러 현황을 조사 및 분석한 결과 전체 1만 9천 946건의 테러유형 중 51.8%인 1만 333건이 폭파에 의한 테러로 나타났으며, 사용무기에 있어서도 폭파와 관련된 폭발물이 약 52.2%인 1만 431건으로 높게 나타나고 있다. 이에 본 논문에서는 FEMA-rapid visual screening을 통해 국내의 건물을 높이별로 테러위험도를 분석하였다. 그 결과 건물의 높이가 높아질수록 테러에 대한 위험도가 높게 나타나고 있어 전체위험도는 건물의 높이와 비례하여 증가하는 것을 확인하였다. 높이 100m 이상 건물의 경우 Threat 항목이 전체위험도에 가장 크게 영향을 미치며, 폭발과 관련된 시나리오에 따른 위험도 분석결과 내부 폭발 항목에서 높게 나타나고 있다.

• The Journal of Asian Finance, Economics and Business
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• 제9권3호
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• pp.275-283
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• 2022

This study aims to investigate the influence of internal factors on the bankruptcy risk of an enterprise through a sample of 439 companies listed on the Vietnamese stock exchange. The research collected secondary data from annual audited financial statements from 2008 to 2019 of listing companies. Using two different regression models with two dependent variables, six independent and control variables, we discovered that three of the model's six factors, namely return on total assets, current payment rate, and financial leverage, influence the risk of bankruptcy and account for 86.78% of the variations in firm bankruptcy risk. Financial leverage has the opposite effect on the Z-score index, increasing the risk of bankruptcy of listed firms. Return on total assets and current ratio have a positive impact on the Z-score index, reducing the risk of bankruptcy of listed companies. The findings also revealed that there is no evidence that the size of a corporation, its fixed asset investment ratio, or the size of an auditing firm have an impact on the Z-score index. These findings provide crucial evidence for business owners and managers, as well as shareholders making future capital investment decisions. Our findings can be applied to other businesses in Vietnam and similar jurisdictions.

• Nuclear Engineering and Technology
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• 제56권3호
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• pp.819-823
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• 2024

The main criteria used in NEI 18-04 to define SSCs as risk-significant include (1) the SSC is required to keep all LBEs within the F-C target, and (2) the total frequency with the SSC failed exceeds 1% of the limit for at least one of the three cumulative risk metrics used for evaluating the integrated plant risk. The first one is a reasonable criterion in determining the risk significant SSCs. However, the second criterion may not be adequate to serve the purpose of determining the risk significance of SSCs. In the second criterion, the cumulative risk metric values representing the integrated plant risk (less the preventive and mitigative effects of the SSC being evaluated) are compared to a risk limit that represents a very small contribution to the overall integrated plant risk, which corresponds appropriately to the contributions from individual SSCs. The easiest approach to redefine the NEI 18-04 definition of risk-significant SSCs in relation to the integrated plant risk metrics is to compare the difference, between the risk metric value calculated with the SSC failed and the risk metric value calculated with the SSC credited, with 1% of the risk limit established for the integrated plant risk metrics.

• 대한간호학회지
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• 제9권2호
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• pp.7-15
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• 1979

This study was undertaken to determine .the identify the relation between the high risk mother and their baby which then allows the nurse to assess and plen for the delivery of optimal health care to the high risk groups. This study was carried out between January through December 1978. This study sample consisted of 300 pregnant women who visited Ewha womens hospital during this time. The method used to for the collection of data was an“Antepartum High-risk pregnancy scoring form. The questionair included 4 categories: 1) reproductives history 2) Associated conditions 3) pre-sent pregnancy and 4) total risk score . The bind are as follows: 1. The frequency of high risk pregnancy women 149(49.7%) was highest. 2. In the investigation sample high risk factors were related to hypertension and toremia. 3. There was a difference in the high risk scores and newborn babys scores (r = 0.610). 4. Relationship between high risk pregnancy women and least of pregnant women was highest prenatal mortality. Implications of positive assessing of high risk factors by MCH nurse and community health nurses.

• 한국해양학회지:바다
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• 제21권4호
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• pp.125-133
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• 2016

본 연구는 통영연안의 오염 현황을 파악하기 위하여 표층퇴적물의 유기물 분포 특성, 미량금속의 공간적인 분포 특성과 오염도 및 생태계 위해성평가를 하였다. 총질소(Total nitrogen, TN), 총유기탄소(Total organic carbon, TOC)와 산 휘발성 황화물(Acid volatile sulfide, AVS)은 협수로에 위치한 정점 35-38에서 높은 농도를 나타내었다. Cd, Cr, Ni, Co, Hg, Zn의 공간적 분포양상은 유사하였으며, 이와 달리 Cu는 협수로에서 높은 농도를 나타내었다. 미량금속 원소의 오염도를 농축계수(Enrichment Factor, EF)로 평가한 결과, Cd이 모든 정점에서 오염되지 않은 상태(No enrichment), Pb, Cr, Ni, Co, Zn, Hg이 약간 오염상태(Minor enrichment), Cu가 약간~중간 오염상태(minor-moderate enrichment)의 오염도를 나타냈다. 미량금속에 의한 생태위해성 수준은 오비도와 미륵도 사이의 협수로 정점에서 국지적으로 생태계에 잠재적 위해성이 있는 것으로 나타났다.