• Title/Summary/Keyword: household formation

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The Scale of Households in Negative Housing Equity and Policy Direction (하우스푸어 규모 추정 및 정책 방향에 대한 고찰)

  • Choi, Eun-Hee;Lee, Jong-Kwon;Moon, Hyo-Gon;Kim, Kyeong-Mi
    • Land and Housing Review
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    • v.5 no.4
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    • pp.259-269
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    • 2014
  • After global financial crisis, the ratio of household debt to GDP was decreasing in other advanced countries such as the U.S., and the U.K. and so on. But, in Korea, household debt (of which residential mortgage loan account for a large part) ratio is still increasing. This paper focuses on the scale and characteristics of households in negative housing equity (those are called House-poors in Korea), and also the socio-economic backgrounds of the formation process. In financial perspective, the problem of negative housing equity depends on financial debt repayment capability. We used DSR (Debt Service Ratio) and LTA (Loan to Asset ratio) as financial indicators to evaluate the debt repayment capability. The critical value of DSR is assumed as 40%, and LTA 100%. The socio-economic backgrounds of the House-poors are as follows : increasing households debt dependency, over lending competition of financial institutions and unreasonable loan in household economy, instability of real estate market, week regulation on mortgage loan. Finally, this paper suggests some implications about the range and the target of public intervention.

Effect of Aqueous Phase Composition on the Stability of a Silica-stabilized Water-in-oil Emulsion (유화제로서 실리카를 이용한 유중수형 에멀젼의 안정성에 미치는 수상부 조성의 영향)

  • Kim Jin-Hwang;Kim Song-I;Kyong Kee-Yeol;Lee Eun-Joo;Yoon Moung-Seok
    • Journal of the Society of Cosmetic Scientists of Korea
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    • v.30 no.3 s.47
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    • pp.353-359
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    • 2004
  • The extent of silica flocculation can be modified by varying the silica concentration, aqueous phase pH, salt and polvmer concentration. High volume fraction W/O emulsion stabilized by hydrophobic silica was established with various aqueous phase conditions for cosmetic application. By increasing the silica concentration up to $1.0\;wt\%,$ the size of droplet decreased. A high silica concentration increased the viscosity of continuous oil phase by network formation, which resulted in target size of droplet. The stability of W/O emulsion is improved as increasing the aqueous phase pH. At low and intermediate pH, the emulsions became more stable by adding salt $(0.083\;mol\;dm^{-3}\;MgSO_4).$ At high PH, the presence of salt caused significant destabilization. The gelation behavior of the emulsion indicates that the effect of salt on silica-stabilized emulsion is derived from an electrostatic attraction. The addition of xanthan gum in aqueous phase increased the mono-dispersity of the W/O emulsion by making water more hydrophobic and hindering the recombination of droplets. In conclusion, these results indicate that very stable emulsifier-free, finely dispersed W/O emulsion can be achieved for cosmetic application by changing the aqueous phase composition.

Analysis of the Content Connectivity of the 2009 Revised Technology & Home Economics Curriculum 'Consumption' Area (2009개정 기술·가정교육과정 '소비생활' 영역의 내용 연계성 분석)

  • Park, Ji Sook;Kim, Jeong Sook
    • Human Ecology Research
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    • v.55 no.4
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    • pp.337-349
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    • 2017
  • This study analyzed contents of 12 kinds of middle school technology Home Economics(1) textbooks, 9 high school Technology Home Economics textbooks and 2 high school home science textbooks based on the 5 areas and 9 subject areas of 'Understanding of market and consumer', 'Reasonable consumption', 'Resolution and prevention of consumer problems', 'Formation of desirable consumption culture', 'Career and occupation related to consumption life' for the purpose of analyzing connectivity of contents in the area of 'consumption life' in the Technology Home Economics curriculum revised in 2009, and analyzed connectivity of contents on the basis of 'developed', 'repeated', 'different' and 'reduced' based on the results of analysis on the contents of the textbooks. Analysis results show that middle school Technology Home Economics(1) textbooks are mainly dealing with problems related to consumption life and ways to practice healthy consumption life, high school Technology Home Economics textbooks emphasized understanding of consumption culture in modern life and practice and method of sustainable consumption life, and high school home science textbooks contain overall contents of household financial management and consumption life. In general, contents were distributed as 'developed' 11 times (32.4%), 'repeated' 6 times (17.6%), 'reduced' 13 times (38.2%), 'different' 4 times (11.8%). Contents of the majority of textbooks are composed suitable for the curriculum achievement standard, but connectivity of 'developed' cannot be considered a desirable type of connectivity. various formation plans as suggested shall be devised not to let learning elements of 'consumption life' area discontinued considering school levels and achievement standard of curriculum.

Analyses of Brand Community Characteristics, Members' Behavioral Patterns & Participation Experiences, and Quality of Relationship according to Community Formation Orientation: Comparisons between Maker Oriented Community and Customer Oriented Community (브랜드 커뮤니티 형성과정에 따른 커뮤니티의 특징, 구성원의 행태와 참여경험 및 관계의 질에 대한 분석)

  • Yoo, Chang-Jo;Jung, Hye-Eun
    • Proceedings of the Korean Association for Survey Research Conference
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    • 2005.12a
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    • pp.187-220
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    • 2005
  • The purpose of this study is to analyze supporters' community formation motives/ Process/consumption experiences and community characteristics. For this purpose, this study collected the data using ethnographic interview. participant observation, documents and media reports. The results of this study show that supporters communities' formation and diffusion process were influenced by individual characteristics(e.g., personality, hobby and etc.), community characteristics(e.g.,team performance, star player, facilities and etc.) and external factors(ex: media movement etc.) and supporters have experienced various emotions such as intimacy. cohesion, pride and so on through various activities at on-line and off-line site. Community characteristics were classified into we-ness, rituals/traditions, moral responsibility. We found that we-ness influenced emotional dimensions such as joy, pleasure, fun and excitement. rituals and traditions made members feel passion. hope. love and vitality. and moral responsibility provided satisfaction. enthusiasm anxiety. regret and so on. Also, emotional attachment and brand loyalty were increased by these experiential aspects of community consumption.

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The Regional Economic Impacts of Taiwan High Speed Rail

  • Huang, Hank C.C.;Hsu, Tao Hsin;Lin, Cynthia M.T.
    • International Journal of Railway
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    • v.1 no.1
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    • pp.12-19
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    • 2008
  • Starting her business operation on January 5 2007, Taiwan High Speed Rail(THSR) shapes a new time-space frame for Taiwan western corridor, where more than 90% of national population lives around and more than 95% gross domestic product created from. Comparing with the four-hour traveling time by highway before 2007, THSR reduces the time required to one and half hours from Taipei to Kaohsiung. It will not only benefit the communication along the island from north to south, but also change the location advantages/disadvantages for all cities in these regions. Therefore, this paper establishes a spatial computable general equilibrium model(SCGE Model) to simulate the economic effect of High Speed Rail(HSR). This SCGE model divides Taiwan economy into fifteen geographic regions and thirteen industries. Each region has three sectors: household sector, transportation sector, and industries sector. Following the behavior function of economic theories, the general equilibrium can be achieved simultaneously. Thus, gross regional product (GRP), capital formation, employment income and welfare/utility level can be all observed by calculating the different economic result between cases with-/ without-HSR. Besides, this model presents the social welfare benefit from HSR operation, the polarization phenomenon among regions and within certain region, unbalance distribution of welfare along the HSR line, and industries development divergence among regions etc. These major findings should be useful for regional development policy making.

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The Regional Economic Impacts of Taiwan High Speed Rail

  • Huang, Hank C.C.;Hsu, Tao Hsin;Lin, Cynthia M.T.
    • Proceedings of the KSR Conference
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    • 2007.11a
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    • pp.1896-1912
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    • 2007
  • Starting her business operation on January 5 2007, Taiwan High Speed Rail (THSR) shapes a new time-space frame for Taiwan western corridor, where more than 90% of national population lives around and more than 95% gross domestic product created from. Comparing with the four-hour traveling time by highway before 2007, THSR reduces the time required to one and half hours from Taipei to Kaohsiung. It will not only benefit the communication along the island from north to south, but also change the location advantages/disadvantages for all cities in these regions. Therefore, this paper establishes a spatial computable general equilibrium model (SCGE Model) to simulate the economic effect of High Speed Rail (HSR). This SCGE model divides Taiwan economy into fifteen geographic regions and thirteen industries. Each region has three sectors: household sector, transportation sector, and industries sector. Following the behavior function of economic theories, the general equilibrium can be achieved simultaneously. Thus, gross regional product (GRP), capital formation, employment income and welfare/utility level can be all observed by calculating the different economic result between cases with-/ without-HSR. Besides, this model presents the social welfare benefit from HSR operation, the polarization phenomenon among regions and within certain region, unbalance distribution of welfare along the HSR line, and industries development divergence among regions etc. These major findings should be useful for regional development policy making.

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Feasibility study on district heating Magok area by sewage water heat source (마곡지구 하수열에너지이용 타당성 검토)

  • Lee, Young-Soo
    • Proceedings of the SAREK Conference
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    • 2009.06a
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    • pp.357-362
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    • 2009
  • As a unutilized energy, treated sewage water locates widespread near urban areas. From the previous survey, the sewage water is reported to hold energy potential up to 36,000 Tcal/year, which was 2.1% of the total domestic energy consumption and 9.7% of the energy usage in the household and business sector in 2006. Temperature of the sewage water differs locally, but its range is observed in a range of $20{\sim}25^{\circ}C$ in summer and $8{\sim}13^{\circ}C$ in winter. Since the temperature range of the sewage water has a better seasonal distribution about $5{\sim}10^{\circ}C$ compared to ambient air, it is a promising heat sink for summer or heat source for winter. The sewage water is also a high quality heat source from its abundant quantity and uniform temperature. Considering the ambient temperature of Korea is very low in winter, a heat pump system using the sewage water can be an alternative to prevent problems of capacity deficiency and frost formation.

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Temperature Distributions of Inner Microwave for Various Working Conditions (구동조건에 따른 전자레인지 내부 온도 분포)

  • Choi, Yoon-Hwan;Kim, Dong-Kyun
    • Journal of Advanced Marine Engineering and Technology
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    • v.34 no.6
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    • pp.792-797
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    • 2010
  • Microwave oven and household cooker are devices of high voltage producer and high voltage storage batteries respectively for formation of necessary high frequencies at drive. These devices emit much heat energy because they are run at high voltages. Therefore, emitted heat energy becomes a factor that raises temperature of microwave ovens' main frame. In this research, the analysis shows the temperature distribution in microwave oven with the cooling fan drive conditions and the heat energy occurrence conditions. According to the analysis, as the speed of air outpoured in cooling fan increases, and the internal temperature decreases quantitatively. Also the inside temperature distribution was investigated by controlling heat energy emission.

Population Growth and Housing (장기인구성장에 따른 주택 및 주거환경)

  • 정희수
    • Korea journal of population studies
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    • v.8 no.1
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    • pp.65-86
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    • 1985
  • Korean population is ecpected to reach about 50 million by year 2000. And per capita GNP might attain the $5,000 level. This is bound to have profound impact on housing. For one thing, population and income growth will accelerate new household formation thus increasing new housing needs. On the other, changes in the housing preference function in association with income growth and new way of life would mean increasing demand for better dwelling environment. In addition, by year 2000, there will be many more elderly households necessitating new approaches to housing. The question is whether or not Korea could cope with new housing perspectives. If Korean housing has made in the past some progress in housing quality, it has not been able to tackle the mounting housing shortage. This is attributable to the concentration of effective housing demand in the hands of upper income groups in association with skewed income distribution and sustained dwelling price hike. Korea needs some basic changes in housing policy. The public sector should produce much more small dwellings either for sales or renting. Second, mortgage loans should be expanded so as to increase the access to housing. Third, every thing must be done to cut down the dwelling price through tax cut, relaxation of some requlations, cyclical stabilization of dwelling construction and loan subsidies.

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Traditional Family Rites and Family Systems in Contemporary Korean Families From Middle-Aged Koreans' Perspectives (중년 기혼 남녀의 전통 가족 의례와 제도에 대한 인식을 통해서 본 현대 한국 가족의 변화)

  • Sung, Miai
    • Journal of Families and Better Life
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    • v.30 no.6
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    • pp.103-114
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    • 2012
  • This paper aims to investigate changes in Korean family structures by reflecting on the perception of traditional family rites and family systems. In-depth interviews were conducted with 17 married middle-aged men (9) and women (8) who had at least one child. Findings were as follows: First, both married middle aged men and women internalized Confucianism. They thought that the head of household, who was male as far as possible, was needed for the formation of a normal family. In addition, both of married middle-aged men and women recognized married women as outsiders based on Chul-ga-we-in-sa-sang. And they put parents-children relationships ahead of couple relationships and supported Jang-ja-woo-dae-sang-sok (privileging the eldest son over the other children in terms of the distribution of family resources and inheritance based on Confucianism). However, there were some differences to support the use of Hang-ryul-ja, which is based on expressing the character of generation by sharing the first name, and the importance of Jok-bo. which is based on traditional family genealogical records. Second, even though women internalized Confucianism, they did not attach traditional meanings to memorial services for ancestors to the extent that men did and defined family members as a procreation family boundaries unlike men, who defined family boundary as original family members and procreation family members. In conclusion, even though family laws and culture have evolved from the patrilineal family system to one which promotes gender equality, married men and women internalize Confucianism. Instead, some transformations are evident from the perspective of females in terms of memorial services for ancestors and family boundaries.