• 제목/요약/키워드: income-stability

검색결과 217건 처리시간 0.027초

Real Estate Industry in the Era of Technology 5.0

  • Sun Ju KIM
    • 융합경영연구
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    • 제11권6호
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    • pp.9-22
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    • 2023
  • Purpose: This paper aims to suggest ways to apply the leading technologies of Industry 5.0 to the housing welfare field, tasks for this, and policy implications. Research design, data, and methodology: The analysis method of this study is a literature study. The analysis steps are as follows. Technology trends and characteristics of Industry 5.0 were investigated and analyzed. The following is a method of applying technology 5.0 in the industrial field. Finally, the application areas of each technology and the challenges to be solved in the process were presented. Results: The results of the analysis are 1) the accessibility and diffusion of technology. This means that all citizens have equal access to and use of the latest technology. To this end, the appropriate use of technology and the development of a user-centered interface are needed. 2) Data protection and privacy. Residential welfare-related technologies may face risks such as personal information leakage and hacking in the process of collecting and analyzing residents' data. 3) Stability, economic feasibility, and sustainability of the technology. Conclusions: The policy implications include: 1) Enhancing technology education and promotion to improve tech accessibility for groups like the low-income, rural areas, and the elderly, 2) Strengthening security policies and regulations to safeguard resident data and mitigate hacking risks, 3) Standardization of technology, 4) Investment and support in R&D.

가계 재무건전성이 주택투자수요에 미치는 영향에 관한 연구 (A Study on the Financial Strength of Households on House Investment Demand)

  • 노상윤;윤보현;최영민
    • 유통과학연구
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    • 제12권4호
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    • pp.31-39
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    • 2014
  • Purpose - This study investigates the following two issues. First, we attempt to find the important determinants of housing investment and to identify their significance rank using survey panel data. Recently, the expansion of global uncertainty in the real estate market has directly and indirectly influenced the Korean housing market; households demonstrate a sensitive reaction to changes in that market. Therefore, this study aims to draw conclusions from understanding how the impact of financial strength of the household is related to house investment. Second, we attempt to verify the effectiveness of diverse indices of financial strength such as DTI, LTV, and PIR as measures to monitor the housing market. In the continuous housing market recession after the global crisis, the government places top priority on residence stability. However, the government still imposes forceful restraints on indices of financial strength. We believe this study verifies the utility of these regulations when used in the housing market. Research design, data, and methodology - The data source for this study is the "National Survey of Tax and Benefit" from 2007 (1st) to 2011 (5th) by the Korea Institute of Public Finance. Based on this survey data, we use panel data of 3,838 households that have been surveyed continuously for 5 years. We sort the base variables according to relevance of house investment criteria using the decision tree model (DTM), which is the standard decision-making model for data-mining techniques. The DTM method is known as a powerful methodology to identify contributory variables for predictive power. In addition, we analyze how important explanatory variables and the financial strength index of households affect housing investment with the binary logistic multi-regressive model. Based on the analyses, we conclude that the financial strength index has a significant role in house investment demand. Results - The results of this research are as follows: 1) The determinants of housing investment are age, consumption expenditures, income, total assets, rent deposit, housing price, habits satisfaction, housing scale, number of household members, and debt related to housing. 2) The impact power of these determinants has changed more or less annually due to economic situations and housing market conditions. The level of consumption expenditure and income are the main determinants before 2009; however, the determinants of housing investment changed to indices of the financial strength of households, i.e., DTI, LTV, and PIR, after 2009. 3) Most of all, since 2009, housing loans has been a more important variable than the level of consumption in making housing market decisions. Conclusions - The results of this research show that sound financing of households has a stronger effect on housing investment than reduced consumption expenditures. At the same time, the key indices that must be monitored by the government under economic emergency conditions differ from those requiring monitoring under normal market conditions; therefore, political indices to encourage and promote the housing market must be divided based on market conditions.

병원의 현금흐름 종류가 순운전자본에 미치는 영향 (Relationship between Net working capital and Cash flows in General Hospitals, Hospitals)

  • 정용모;하오현
    • 한국산학기술학회논문지
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    • 제18권6호
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    • pp.312-318
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    • 2017
  • 본 연구는 비영리법인 의료기관이 영업활동에서 자금부족으로 인한 경영위험 상황에 대비하기 위하여 재무적 측면에서의 현금흐름 관리방안을 제시하고자, 비영리법인인 25개 종합병원과 23개 병원을 대상으로 재무정보를 이용하여 현금흐름을 산출한 후, 재무적 측면에서 영업활동에 필요한 자금인 순운전자본과 경영활동에 의한 자금의 동태적 개념인 현금흐름 간의 관계를 분석하였다. 분석결과, 결산연도별 산출지표 중 종합병원은 73.3%에서, 병원은 83.3%에서 영업활동에 필요한 자금인 순운전자본이 확보되지 않았었다. 순운전자본에 영향을 미치는 현금흐름 종류는 종합병원에서는 현금유출 없는 비용과 차입금 변동, 병원에서는 현금유출 없는 비용과 현금유입 없는 수익 그리고 차입금 변동이었다. 그러나 재무적 측면에서 영업활동에 필요한 자금이 확보되지 않았던 경우에, 종합병원은 현금유출 없는 비용인 감가상각비 등이 높고, 현금유입 없는 수익인 준비금 및 충당금 등이 낮아, 금융자금의 차입을 증가하게 되어 영업활동에 필요한 자금인 순운전자본이 낮아지게 되어 재무적 측면의 경영위험 환경이 되었다는 것을 알 수 있었으며, 병원은 현금유출 없는 비용이 높고, 금융자금의 차입을 증가시킴으로 인하여 영업활동에 필요한 자금인 순운전자본이 낮아지게 되어 재무적 측면의 경영위험 환경이 되었다는 것을 알 수 있었다. 따라서 경영활동에 있어서 실질적인 현금흐름의 안정성을 위해서는 현금의 유출이 없는 비용의 산정과 이들의 운용 등에 대한 적정성과 타당성 등을 검토해 볼 필요성이 있을 것이며, 현금흐름을 고려하여 체계적이고 합리적으로 자금관리를 하기 위한 적절한 내부정책방안의 검토가 필요할 것으로 사료된다.

뇌질환아 어머니의 스트레스와 대처방법 (A Study on Stress and Coping Methods of Mothers of Children with Brain Disease)

  • 윤정희;조결자
    • 대한간호학회지
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    • 제24권3호
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    • pp.389-412
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    • 1994
  • This study was done to investigate stress and coping methods of mothers with brain disease children. The subjects for this study were obtained by taking a sample of mothers with brain disease children hospitalized in neurosurgery ward of K medical center in Seoul from Nov. 20, 1992 to Mar. 10, 1993. The collected date were analized by S.P.S.S. program(frequency, percentage, mean, t-test, ANOVA, Pearson Correlation). The results of the study were as follow. 1. The mean of the degree of mothers' stress was 3.681. Of the stress categories, illness treatment (4.216) was highest, and the next were in order of ill-ness status and prognosis(4.154) , family relation-ships and personal roles(3.202), interpersonal relationships(2.916). 2. The mean of the degree of mothers' coping method was 2.930. Of the coping method categories, communication with medical team or parents in similar situations(3.332) was highest, and the next were in or-der of family cooperation and optimistic thought about the situation(3.241), reforcement of self esteem and maintenance of psychological stability(2.538). 3. There was not seen a stastically significant correlation between stress factors and coping methods of mothers. But with categories, the higher the stress to illness status and prognosis was, the hight coping methods' degree of communication with medical team or parents in similar situations was shown a positive correlation, if not high (r=.2776, P=.046) . And the higher the stress to illness treatment was, the higher coping methods' degree of communication with medical team or parents in simial situations was shown a positive correlation, if not high (r=.2727, P=.049). 4. With the difference of stress according to mothers' general characteristics, religion and monthly income shew a statically significant difference. The mothers' group who have a religion shew the higher degree of stress(t=-3.17, P=.003), The group who get the most income shew highest degree of stress (F=.4693, P=.0156). With the difference of coping according to mothers' general characteristics, the most support-ing person, satisfaction with husbands and mothers' own health status shew a statistically significant difference. The group who get the most support from parents-in-law(F=3.7508, P=.013), the group who are much satisfied with husband(F=3.589, P=.016), and the group whose health status are good(F=3.3675, P=.046), shew the highest coping degree. 5. There were no significant difference in degree of stress and coping by children's characteristics The significance of the study will be concluded as follows. 1. Investigating the stress factors, which mothers are perceiving, it will be utilized as the basic materials of nursing plan so as to reduce the stress of mothers. 2. In searching for the ways of mothers' more helpful coping methods, it shows the necessity of the active nursing intervention for the mothers in the process of coping with their stress. That is, the nurse should serve the earnest nursing as counselor, supporter, educator, and information - provider. 3. Recogning mothers as well as children with brain disease as a client, the nurse will be able to help the mother, who is taking care of the children, cope with the stress situation well, and to make a contribution to the recovery, rehabilitation, and health of the children and to the enhancement of the family' health.

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우리나라 소화기암 환자들의 대체의료이용에 관한 연구 (Use of Complementary and Alternative Medicine among Cancer Patients in Korea)

  • 정은영;한동운;최병희;김유겸;박연희
    • 동의생리병리학회지
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    • 제21권6호
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    • pp.1590-1596
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    • 2007
  • Complementary and alternative medicine (CAM) has gained in popularity among cancer patients in recent years. The use of CAM in cancer patients is common with about one third of patients using some form of CAM in Western countries. The purpose of this study was to analyze the use of CAM and determine what factors affect to use CAM among cancer patients to provide CAM therapy information and assist therapy selection among various CAM therapies to cancer patients. The design of the study was descriptive cross-sectional, and data were collected using a 16-item questionnaire. This study was conducted in subjects with confirmed diagnosis of stomach, colon, liver, or pancreas cancer, in both out-patients clinics and inpatients setting in a tertiary hospital in Seoul Korea. As a result, among the participants, past or current CAM use was reported by 75%, which shows a statistically significant difference in income groups(P<0.05), but no difference in age and religion groups. The most common therapies use by cancer patients included traditional Korean medicine (32.1%), folk remedies (26.6%), exercise (14%), dietary supplements (11.6%), physical therapy (9.9%), diet therapy (5%), and meditation (4%). 77.8% of patients show satisfaction and 64.4% shows perceived effectiveness of CAM. Male patients with higher income, and previous treatment were more likely to use CAM. The main benefits from CAM reported by cancer patients were psychological improvement and symptom improvement. Of the cancer patients used CAM, 30.9% were dissatisfied, 25.8% did not have benefits from the use, and 7.6% experience side effects. Cancer patients who prefer CAM (more than 3 kinds) used it to cure cancer, on the contrary, the one who do not prefer CAM used to improve symptoms and psychological stability. The main sources of information about CAM were family and friends(54.4%), and media(24.5%), doctor and nurse(18.3%), and religion group(2.6%). Findings suggest that due to the relatively high use of CAM among cancer patients in Korea, this topic should be taken into account in the development of a holistic approach to cancer patients and efficient cancer patients management system and proactive and consistent management of CAM is necessary in the health care system in Korea.

노후소득보장을 위한 퇴직연금 보유의 지속성 분석 -IRP의 실효성 논쟁 중심으로- (The Persistent Effects of Retirement Pension Reserves - Debate on the effectiveness of the IRP Program)

  • 임두빈;전용일
    • 노동경제논집
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    • 제38권4호
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    • pp.1-29
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    • 2015
  • IRP의 경제적인 유인체계가 뚜렷하지 않은 상황에서 가입자의 대다수가 퇴직급여를 받은 후 IRP 계좌를 즉시 해지하고 있어, IRP가 미래 연금소득의 가교역할을 제대로 수행하지 못하고 있다. 본 연구에서는 현재 퇴직급여 및 IRP 제도의 선택 원리를 근로자와 정부의 경제적 의사결정 모형을 통해 고찰한다. 이론 모형의 분석결과 미래 IRP 유지의 선택 문제는 현재 근로자의 퇴직급여 선택에 영향을 미치며, 노후소득보장을 위해 정부가 퇴직연금을 극대화하기 위해서는 근로자의 퇴직금 선택을 억제하는 것이 필요하다. 이를 위해 근로자가 퇴직금을 선택하지 않도록 퇴직금에 대해서도 IRP의 자동 전환이 필요한 것으로 분석되었다. 이는 점진적으로 이원화된 퇴직급여 체계가 퇴직연금으로 단일화되는 효과를 발생시킬 것이다. 또한, 퇴직연금사업자의 IRP 가입자 자료를 바탕으로 IRP 해지에 영향을 미치는 가입자 특성에 관해 실증분석을 한 결과, 상대적으로 높은 연령층, 입금액이 많은 고객, 남성이 즉시 해지할 확률이 높은 것으로 나타났고, 업종별로도 차이가 발생하는 것으로 나타났다. 실증분석 결과를 통해 볼 때, IRP 유지율을 높이기 위해서는 가입자의 특성을 고려한 다양한 경제적 유인체계를 설계해야 할 것이다.

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서울시민 공공임대주택 입주의사에 영향을 미치는 수요자 특성 요소에 관한 연구 (A Study on Characteristic Factors of Demanders Influencing the Intention to Move in Public Rental Housing of Seoul Citizens)

  • 이윤홍
    • 국제지역연구
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    • 제21권4호
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    • pp.173-194
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    • 2017
  • 본 연구는 공공임대주택 입주의사에 영향을 미치는 수요자 특성요소를 규명하기 위해 위계선형모형(HLM: Hierarchical Linear Modeling)을 통한 로지스틱 회귀분석을 통해 결과 값을 도출하였다. (1)가구특성 및 주택특성요소 회귀분석결과는 주택점유형태 중 월세에 거주하는 거주자, 직업, 전세, 가구원수, 주변 공공임대주택 입지여부, 월평균소득, 자녀학력, 자녀수, 주택유형, 자가 순으로 공동임대주택 입주희망의사에 유의한 영향을 미치는 것으로 분석되었다. (2)입지여건특성요소 회귀분석결과는 공공임대비율 상위 5개구(강서 노원 중구 강북 마포), 입지여건 중 주변 공공임대주택 입지여부, 소득, 가구원수, 자녀수, 자녀학력, 직업유무, 주택유형, 자가, 전세, 월세 순으로 공동임대주택 입주희망의사에 유의한 영향을 미치는 것으로 분석되었다. (3)서울의 경우 민간주택 매매가격이 높고, 임대료도 높아 소득이 낮은 서민들의 주거안정을 위해 공공임대주택 확대가 필요한 상황임에도 공공임대주택의 입주희망에 대한 정확한 분석이 이루어지지 않아 선호도가 낮은 점을 바탕으로 연구가 이루어졌다. 이상의 결과는 정부관계기관에게 수요자특성 요소를 연구하여 소득이 낮은 서민들의 주거안정에 도움이 되도록 현실에 맞는 대안을 제시한다.

가구형태와 사회적 관계의 객관적·주관적 측면이 우울에 미치는 영향 : 1인 가구와 다인 가구의 비교를 중심으로 (The impact of household types and social relationships on depression : based on the comparison between single-person households and multi-person households)

  • 최유정;이명진;최샛별
    • 한국가족관계학회지
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    • 제21권2호
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    • pp.25-51
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    • 2016
  • Objectives: This research started with the attempt to comprehend the relationship between household types and psychological stability by linking single-person households to the emotional index "depression." Method: For this purpose, we first compare to see if there is a difference in socio-demographic variables, social relationships, the degree of depression between single households and multi-person households, and to comprehend the relative influence that household types have on depression by taking other factors under consideration. Results: Then based on the results, we compare and analyze the factors that affect the degree of depression on single-person households and multi-person households, respectively. To summarize the results, first of all, residents in single-person households are somewhat older but show lower level of income, education, and health condition compared to peers inmulti-person households. They also had a consistently high level not only in the frequency of contact and emotional connection with families, relatives, and friends, but also in the degree of depression when compared to multi-person households. Secondly, for depression, considering the various factors targeting all the households, the following had a strong influence in the order of "health condition compared to peers," "emotional connection with family," "household types," "emotional connection with colleagues," "frequency of contact with neighbors," "gender," and "age."The degree of depression increases in the following conditions: if the health condition is worse, lower emotional connection with family, single-person household, lower emotional connection with colleagues, lower the frequency of contact with neighbors, female, and older the age. Thirdly, comparing the factors that affect depression by dividing single-person households and multi-person households, "health condition compared to peers" and "emotional connection with family" had the largest effect in common, respectively. In cases of living alone, regardless of other factors, the degree of depression increases with "health condition compared to peers" and "emotional connection with family." Conclusions: On the contrary, in multi-person households, "health condition compared to peers," "emotional connection with family," "emotional connection with colleagues," "income," and "gender" are important.

황금 GAP 지침 설정을 위한 건조방법, 저장조건 및 포장재료에 따른 품질변화 (Changes in Quality by Drying Methods, Different Storage Conditions and Package Mediums for Established GAP Guide Book in Scutellaria baicalensis Georgi)

  • 김명석;김길자;최진경;권오도;박흥규;김현우;김성일;김영국;차선우;심재한
    • 한국약용작물학회지
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    • 제25권2호
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    • pp.89-94
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    • 2017
  • Background: The purpose of improving the quality of oriental medicinal herbs is to contribute to the improvement of the income of farm. The present study investigated the effect of reasonable drying methods, different storage conditions and packageing materials on quality and stability of Scutellaria baicalensis Georgi and for developing GAP (good agricultural practice) guide book. Methods and Results: Three methods of drying Scutellaria baicalensis roots produced over two years were used to estimate loss rate owing to drying, storage, and packaging. The methods of drying were categorized into natural drying (36 - 60 h by sunshine), drying with heat dryer (2 - 10 h), or drying with gas bulk dryer (2 - 10 h). After cleaning, and initial drying for a few days under controlled temperature conditions, the second phase of drying was carried out at 35, 45 and $55^{\circ}C$. Changes in hunter color values and quality under the two studied storage treatments (at $20^{\circ}C$ indoors and at $4^{\circ}C$ in a refigerator) were evaluated. Storage period for 60, 120, and 180 days in three packaging materials, PE (polyethylene package), PP (polypropylene gunnysack), and WP (watertight packing paper) were studied. Conclusions: Initial cleaning, reasonable gas drying and hot air drying, and drying in an oven at 35 and $45^{\circ}C$ after cutting the roots resulted in the lowest loss rates in S. Baicalensis root. Hunter color valuse indicated that stroage of dry roots at room temperature was better than PP packaging, and that cold stroage was better than PE packaging for long-term stability.

기초지자체 기후변화 대응을 위한 도시회복력 평가 및 증진방안: 수원시를 대상으로 (Evaluating and Improving Urban Resilience to Climate Change in Local Government: Focused on Suwon)

  • 김은영;정경민;송원경
    • 환경영향평가
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    • 제27권4호
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    • pp.335-344
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    • 2018
  • 기후변화에 의한 이상기후로 도시에서의 피해가 증가하고 있으며 이에 대한 대응방안으로 회복력에 대한 관심이 증가하는 추세이다. 본 연구에서는 향후 가뭄, 폭염, 폭우 등의 기후 영향에 대응하기 위해 수원시의 현재 도시 회복력 수준을 평가하고 도시차원에서 회복력을 높이기 위한 방안을 검토하였다. 도시 회복력을 평가하기 위해서 취약계층, 의료서비스 접근성, 인력양성 등의 사회적 회복력과 주거안정, 고용안정, 수입균등, 경제적 다양성 등의 경제적 회복력 지표가 선정되었다. 또한, 주거취약성, 이재민 수용능력, 하수체계 등의 도시인프라 회복력과 보호자원, 지속성, 재해위험 노출 등의 생태적 회복력 평가지표가 선정되었다. 선정된 지표를 토대로 수원시와 구별 도시 회복력 수준을 평가하였으며 도시 회복력을 높이기 위한 정책 방향을 제시하였다. 향후 회복력 있는 도시 실현을 위해서는 지자체 차원에서 도시정책 및 계획 수립 시 회복력 개념 및 회복력 있는 도시를 위한 목표가 반영되어야 하며, 이를 실행할 수 있는 이행모니터링이 마련되어야 한다.