• Journal of the Korean Data and Information Science Society
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• 제24권4호
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• pp.737-753
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• 2013

금리변동형 보험상품은 시장금리에 연동하여 이자율 (공시이율)을 적용하는 보험상품이지만, 시장금리의 하락시에도 해약환급금의 이자율을 보증하기 위해 최저보증이율을 설정하도록 하고 있다. 즉, 공시이율이 계약할 당시 설정한 최저보증이율을 하회할 경우 보험사는 공시이율과 최저보증이율 중에 큰 금액으로 책임준비금을 적립하고 계약자가 보험계약을 해지할 경우 해약환급금을 지급해야 한다. 이러한 이자율 보증옵션은 시장금리가 하락하는 최근의 저금리 기조에서 생명보험회사의 손익을 악화시키는 요인이 되고 있다. 본 논문에서는 현재의 저금리 상황과 이자율 보증옵션 적용방식 현황을 살펴보고, 금리변동형 종신보험과 금리변동형 연금보험의 이차손익 구조 및 이자율 보증옵션의 가치와 리스크를 분석한다. 그리고, 이자율 보증옵션의 분석 결과를 토대로 시장이율과 최저보증이율의 금리차와 이차손익과의 관계에 대한 시사점을 제시한다.

• 대한전기학회:학술대회논문집
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• 대한전기학회 1998년도 추계학술대회 논문집 학회본부A
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• pp.13-15
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• 1998

EM(Electro Magnetic) pump is used for the purpose of transporting liquid sodium coolant with electrical conductivity in the LMR(Liquid Metal Reactor). In the present study. pilot EM pump has been designed by using of equivalent circuit method which is commonly employed to analyze linear induction machines for the test of removal of residual heat. The length and diameter of the pump have fixed values of 840 mm and 101.6 mm each by taking account of geometrical size of circulation loop for the installation of EM pump. Flowrate versus developing pressure is related from Laithwaite's standard design formula and the characteristic analyses of developing force and efficiency are carried out according to change of input frequency. From the characteristic curve, input frequency of 13 Hz is determined as the design frequency. On the other hand, The annular air gap size of 6.05 mm is selected not to bring about too much hydraulic loss. Resultantly design analysis makes pump have the electrical input of 604 VA and the hydrodynamical capacity of 1.3 bars and 40 l/min.

• 한국가스학회지
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• 제28권2호
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• pp.93-104
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• 2024

산업현장에서 사용되는 회전기기의 원활한 작동 및 수명연장을 위해서는 설비진단이 필수적이다. 다양한 설비진단의 방법 중 진동진단은 다른 진단방법과 비교하여 불평형(unbalance), 축정렬 불량(misalignment), 베어링 결함(bearing fault), 기어 손상(worn gears), 소음(noise), 공진(resonance) 등 대부분의 초기 결함을 발견할 수 있다. 따라서, 진동분석은 산업현장에서 가장 범용적으로 사용되는 설비진단 방법이며, 설비의 상태를 기반으로 관리하는 예지보전(PdM) 기술로 유용하게 활용된다. 하지만, 진동진단 방법은 기준을 근거로 경험에 의존하여 수행되기 때문에 전문가에 의하여 진행된다. 따라서, 기존에 경험에 의존하여 수행하는 진동진단 방법을 지식화된 코드체계로 구축하여 누구나 쉽게 결함을 판단할 수 있는 시스템을 구축하여 설비의 신뢰성 구축에 기여하고자 한다. 진동측정에 대한 ISO-20816 기준을 근거로 알고리즘을 개발하였고, 석유화학공장 압축기, 수소충전소, 산업용 기계 등 다양한 실증현장에서 진동을 측정한 결과와 개발 시스템을 활용하여 분석한 결과를 비교하여 신뢰성을 검증하였다. 개발된 알고리즘을 통하여 산업현장에서 누구나 회전기기의 상태를 진단하고 결함을 조기에 파악하여 정확한 교체시점에 부품을 교체할 수 있는 예측유지보수(PdM)기술에 기여할 수 있다. 나아가, 정유산업시설, 운송, 생산 시설, 항공시설 등 다양한 산업현장에 적용 시 회전기기의 고장으로 인한 유지보수 비용과 다운타임(down time)의 절감에 이바지할수 있를 것으로 기대된다.

• 대한인간공학회지
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• 제32권4호
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• pp.345-353
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• 2013

Objective: This research measured physiological and psychological effects of Vibroacoustic stimulation(VA) to scapular and sacrum of supine position on the mattress. Background: When vibroacoustic stimulation applies to human body, it has a positive influence on physiological and psychological effects by stimulating the organs, tissues and cells of whole body. Method: This experiment was conducted to 10 normal males in two conditions: no stimulation and vibroacoustic stimulation. No stimulation experiment was executed as a supine position for 30 minutes without any vibrational stimulus, while vibroacoustic stimulation was transmitted by the vibrational speaker, which uses 40Hz frequency. Subjects had a laser Doppler flowmeter probe in scapular, sacrum, and also had 8 channel electroencephalogram(EEG) measurement sensor in the scalp. Blood pressure and skin temperature were measured in two conditions with an underlying posture for 30 minutes. Additionally, blood flow rate and EEG were measured before and after for two minutes on two conditions. Results: According to the vibroacoustic stimulation, blood flow rate and skin temperature were increased, while blood pressure was decreased. When using vibroacoustic stimulation compared to no stimulation, blood flow rate went approximately two times higher, and skin temperature also higher 3~4 times. Furthermore, the relative alpha power of brain wave was significantly increased when we applied to vibroacoustic stimulation. Conclusion: This experiment tested the VAT embedded in mattress in two conditions. According to this experiment, VAT decreases blood pressure, improves not only a physiological effect on blood flow rate as well as skin temperature, but also psychological functions by increasing relative alpha power. Application: The results of the publishing trend analysis might help physiological and psychological effects of vibroacoustic stimulation.

• 한국안전학회지
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• 제25권6호
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• pp.86-91
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• 2010

The purpose of this study is to analyze the damage patterns and metal structure of 3 phase mold transformers collected from places where accidents have occurred. Compared to an oil-immersed transformer, a mold transformer has the advantage of requiring a smaller installation area and can be kept clean, while its disadvantages include the fact that abnormal symptoms of an accident are difficult to discover and its repair is impossible. The capacity of the mold transformers collected from places where accidents have occurred was 200kVA with primary voltages being F23,900V, R22,900V, 21,900V, 20,900V, 19,900V, etc., as well as secondary voltages being 380V, 220V, etc. It was found from the analysis on the diffusion of combustion in the damaged mold transformers that fire occurred first inside the U-phase primary winding and that carbonization and heat were diffused to V-phase and W-phase in V-pattern. In addition, from the analysis on the cross-sectional structure of the metal of the melted high voltage winding using a metallurgical microscope, it was found that the boundary surface, voids, and columnar structure were formed when an interlayer short-circuit had occurred Therefore, even though it is not possible to find the cause for the occurrence of an interlayer short-circuit at the inner side of the primary winding, it is thought that, due to the thermal energy generated when the short-circuit occurred, the heat source was diffused to the upper side and outside, causing a secondary accident.

• 응용통계연구
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• 제22권5호
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• pp.995-1005
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• 2009

금융 시계열 자료들 간의 상관계수는 자산의 배분, 위험관리 그리고 포트폴리오의 선택에 있어서 중요한 역할을 한다. 이러한 상관계수들을 모형화하기 위해 단변량-GARCH 모형을 다변량-GARCH 모형으로 확장시킨 MGARCH류 모형들에 대한 많은 연구들이 진행되고 있다. 특히, CCC 모형 (Bollerslev, 1990)과 DCC 모형 (Engle, 2002)은 다른 모형들에 비해 추정해야 할 모수의 수가 작다는 이점으로 인해 분석에 널리 쓰이고 있다. 본 논문에서는 국내 주가자료에 대해 CCC 모형과 DCC 모형을 적합시킨 후, 각 모형들에 대한 VaR(value at risk)와 사후검증(back-testing), 결합예측영역(joint prediction region) 등을 통하여 두 모형의 예측 능력을 비교해 보고자 한다.

• Biomolecules & Therapeutics
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• 제27권6호
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• pp.553-561
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• 2019

Rab25, a member of the Rab11 small GTPase family, is central to achieving cellular polarity in epithelial tissues. Rab25 is highly expressed in epithelial cells of various tissues including breast, vagina, cervix, the gastrointestinal tract, and skin. Rab25 plays key roles in tumorigenesis, mainly by regulating epithelial differentiation and proliferation. However, its role in skin physiology is relatively unknown. In this study, we demonstrated that Rab25 knock-out (KO) mice show a skin barrier dysfunction with high trans-epidermal water loss and low cutaneous hydration. To examine this observation, we investigated the histology and epidermal differentiation markers of the skin in Rab25 KO mice. Rab25 KO increased cell proliferation at the basal layer of epidermis, whereas the supra-basal layer remained unaffected. Ceramide, which is a critical lipid component for skin barrier function, was not altered by Rab25 KO in its distribution or amount, as determined by immunohistochemistry. Notably, levels of epidermal differentiation markers, including loricrin, involucrin, and keratins (5, 14, 1, and 10) increased prominently in Rab25 KO mice. In line with this, depletion of Rab25 with single hairpin RNA increased the expression of differentiation markers in a human keratinocyte cell line, HaCaT. Transcriptomic analysis of the skin revealed increased expression of genes associated with skin development, epidermal development, and keratinocyte differentiation in Rab25 KO mice. Collectively, these results suggested that Rab25 is involved in the regulation of epidermal differentiation and proliferation.

• Tuberculosis and Respiratory Diseases
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• 제54권2호
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• pp.199-209
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• 2003

연구배경 : 만성폐쇄성폐질환 환자의 체중감소는 질환의 자연경과로 조직의 산소소모량을 최소로 유지하기 위한 일종의 신체적응과정으로 이해하였다. 그러나 만성폐쇄성폐질환 환자의 체중감소가 에너지대사량 증가와 관계 있고, 체중감소가 심한 환자들은 폐기능의 감소정도와 상관없이 이환율과 사망률이 증가한다는 연구결과가 보고된 후, 영양학적인 부분에 대하여 관심을 가지게 되었다. 저자들은 만성폐쇄성폐질환자 중 만성기관지염 환자와 폐기종 환자의 폐기능과 체성분을 측정하여 혈중 leptin농도 및 $TNF-{\alpha}$ system 과의 관계를 비교하여, 체중감소와의 관계를 알아보았다. 방 법 : 미국흉부학회의 진단기준에 따라 1초간 노력성 호기량이 예측치의 80% 미만이고, 노력성 폐활량에 대한 1초간 노력성 호기량의 비 ($FEV_1$/FVC)가 70% 미만인 41명의 환자를 대상으로 하였다. Kco가 60미만인 경우를 폐기종으로, 80이상인 경우를 만성기관지염으로 분류하였으며, 체성분 분석, 및 혈중 leptin농도, 그리고 $TNF-{\alpha}$ system의 활성도를 측정하였다. 결 과 : 만성기관지염 환자 및 폐기종 환자의 혈중 leptin농도는 각각 $1378.1{\pm}428.3pg/ml/kg$, $947.0{\pm}441.0pg/ml/kg$로 만성기관지염 환자가 유의하게 높았으며, 이들 값을 체지방량으로 교정하였을 때도 $180.9{\pm}57.7pg/ml/kg$, $108.5{\pm}39.4pg/ml/kg$로 만성기관지염 환자가 유의하게 높았다 (p<0.05). 혈중 $TNF-{\alpha}$ system 은 $TNF-{\alpha}$, sTNF-R75는 양 군에서 차이가 없었으나, sTNF-R55는 폐기종 환자군에서 $920.4{\pm}116.4pg/ml$로 만성기관지염 환자보다 유의하게 높았다 (p<0.05). 혈중 leptin농도는 체지방량 및 체질량지수와 상관관계가 있었으며, sTNF-R55는 체지방량이나 체질량지수와 관계가 없었다. 또한 sTNF-R55의 활성도는 혈중 leptin농도와도 무관하였다. 결 론 : 만성기관지염에 비하여 체중감소가 심한 폐기종의 체중감소에는 혈중 leptin보다는 $TNF-{\alpha}$ system이 관계할 것으로 생각되며, $TNF-{\alpha}$ system은 혈중 leptin와는 무관하게 작용할 것으로 생각한다. 그러나 앞으로 이에 대하여 더 많은 환자를 대상으로 한 연구가 있어야 하겠으며, 만성폐쇄성폐질환자의 체중변화에 영향을 줄 수 있는 영양섭취, 운동량, 안정시 에너지소모량 및 다른 사이토카인 등과의 관계에 대한 연구도 이루어져야 할 것이다.

• 아태비즈니스연구
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• 제12권1호
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• pp.135-149
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• 2021

Purpose - I analyzes risk-to-performance evaluated in the market using data from sale and lease back. Specifically, I analyze from the perspective of financial institutions that purchase sale and lease back based on the cases of investment by ship investment companies and acquisition of ships. Design/methodology/approach - I use 49 sale and lease back data from 2017 to 2019 for empirical analysis. Findings - The main results of this paper are as follows. First, after sale and lease back of domestic ships, the average amount of sales by the leased shipping company is 25.1 billion won, the average amount of investment by the purchased financial institution is 14.6 billion won (60%) and the average length of the ship is nine years. In ship finance, sale and lease back is deemed to be appropriately used as a means of restructuring for a large amount of money. Second, the main risk factor for sale and lease back of domestic ships is credit risk and can be measured in VaR in practice. As a result of the empirical analysis, the average credit risk burden ratio is 9%. As a major risk factor, low creditworthiness of restructuring companies is the key. Third, as a result of measuring the profitability of financial institutions that purchase sale and lease back of domestic ships at a net current price, it has an average value of 300 million won, but the deviation by case is very large. Fourth, the risk adjusted performance of sale and lease back of domestic ships is 0.54 on average compared to the total risk capital, and 0.52 compared to the stock-risk capital, and as with profitability earlier, the deviation of each case is very large and misaligned. In order to boost the sale and lease back market for large and long-term assets, in order to overcome low profitability as a prerequisite for future participation of commercial purchased financial institutions, it is expected that purchase decisions based on expectations versus risk will be necessary. Research implications or Originality - The results of this paper are expected to broaden the understanding of sale and lease back and foster the ability to assess long-term risk and performance. Based on this, it is believed that rapid restructuring of companies through sale and lease back of large amounts of long-term assets will greatly increase the utility of the domestic financial market.

• 한국의료질향상학회지
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• 제5권1호
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• pp.128-138
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• 1998

Background : There is increased recognition that rigorous approach to functional assessment will complement the assessment of clinical status. This study is to develop the appropriate visual function index in Korean patients with cataracts by the assessment of the reliability, validity of visual function indexes including VF-14. Methods : An prospective study was performed with 92 patients who had undergone either one eye or both eye cataract surgery by 3 ophthalmologists practicing at a university hospital. Patients were interviewed. and clinical data were obtained. Doctors were questioned with self-entered questionnaire forms. Medical record was examined to understand surgery process. The survey was conducted at 1-2 days before cataract surgery. Results : We used following measures : 7 visual function indexes, global measures of patients' trouble and satisfaction with vision, and best-corrected visual acuity(VA) in each eye. 7 visual function indexes showed a high internal consistency reliability (Cronbach's alpha coefficients ${\geq}$ 0.86). The better visual acuity(operated eye, better eye), the higher patient satisfaction with vision, the lower symptom score, the lower patient trouble with vision was correlated with preoperative visual function index scores. Among 7 indexes, VF-12 with the exclusion of 2 items drivings from VF-14 is a high Cronbach's alpha coefficient and correlation coefficient and the highest $R^2$. Conclusion : We conclude that VF-12 is reliable and valid in Korea. So we suggest that in Korea, all items of VF-14, the visual function index, which is in use internationally, ought to be surveyed and VF-12 which has been excluded by 2 items of drivings from VF-14 ought to be used for analysis.