• Journal of Families and Better Life
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• v.34 no.3
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• pp.113-128
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• 2016

The Purpose of this study is to find the levels of keeping financial records among Korean households and to reveal the effect of keeping financial records on financial soundness of households. The 2014 Consumer Empowerment Index of the Korean consumer agency, which includes the surveyed results of 1,000 individuals, was analyzed as a secondary dataset. As a result, the following findings emerged during the study. First, 25.9% of consumers replied that they were keeping financial records. Factors associated with keeping financial records were gender and income. Women were more likely to keep financial records than men. Also, income had significant effects on keeping financial records. Second, levels of meeting percentages of financial ratios were highest in the debt to income ratio, which was 81.5%, and lowest in the investment ratio, which was 14.5%. Furthermore, 52.6% met the savings ratio, 40.6% met the emergency funds ratio, 24.6% met the retirement savings ratio. Meeting a percentage of the savings ratio did not fluctuated for 16 years, although the debt to income ratio has decreased around 15% since 1998. Third, keeping a household account book had signigicant influences on meeting percentages of financial ratios. Magnitudes of effects ranged between 1.4-1.8 odds, which were as much as the income effects. In summary, effects of keeping financial records were evidenced in this study. It is suggested that the importance of keeping financial records should be stressed in financial education and counseling programs.

• The Journal of the Korea Contents Association
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• v.21 no.9
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• pp.750-761
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• 2021

Even though the replying comments on Internet articles have positive effects on discussions and communications, the malicious comments are still the source of problems even driving people to death. Automatic detection of malicious comments is important in this respect. However, the current filtering method of the malicious comments, based on forbidden words, is not so effective, especially for the replying comments written in Korean. This paper proposes a new filtering approach based on morpheme analysis, identifying coarse and polite morphemes. Based on these two groups of morphemes, the soundness of comments can be calculated. Further, this paper proposes various impact measures for comments, based on the soundness. According to the experiments on malicious comments, one of the impact measures is effective for detecting malicious comments. Comparing our method with the clean-bot of a portal site, the recall is enhanced by 37.93% point and F-measure is also enhanced up to 47.66 points. According to this result, it is highly expected that the new filtering method based on morpheme analysis can be a promising alternative to those based on forbidden words.

• The Journal of the Convergence on Culture Technology
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• v.8 no.1
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• pp.435-440
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• 2022

This study analyzed the impact of changes in real estate prices on the soundness of Korean banks using multiple regression models. As a result of the analysis, changes in real estate prices significantly increase the banks' non-performing loans through the increase in loans. Among macroeconomic variables, short-term interest rates were found to have a significant effect on all soundness indicators such as BIS capital adequacy ratio, non-performing loans ratio, and liquidity coverage ratio. Among the bank characteristics indicators, the loan growth rate had a significant negative effect on BIS capital adequacy ratio, and the real estate mortgage rate had a significant positive effect. In additional, it was found that non-performing loans ratio and liquidity coverage ratio had a negative effect on BIS capital adequacy ratio.

• The Journal of the Convergence on Culture Technology
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• v.7 no.4
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• pp.1-7
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• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

• Economic Analysis
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• v.27 no.3
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• pp.1-32
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• 2021

This study empirically analyzes whether bank capital channel and risk-taking channel for monetary policy work for domestic banks in South Korea by analyzing the impact of the expansionary monetary policy on the rate spread between deposit and loan, capital ratio, and loan amount. For the empirical analysis, the Uhlig (2005)'s sign-restricted SVAR(Structural Vector Auto-Regression) model is used. The empirical results are as follows: the bank's interest rate margin increases, the capital ratio improves, risk-weighted asset ratio increases, and the amount of loans increases in response to expansionary monetary shock. This empirical results confirm that bank capital channel and risk-taking channel work in domestic banks, similar to the previous research results. The implications of this study are as follows. Although the expansionary monetary policy has the effect of improving the bank's financial soundness and profitability in the short term as bank capital channel works, it could negatively affect the soundness of banks by encouraging banks to pursue risk in the long run as risk-taking channel works. It is necessary to note that the capital ratio according to the BIS minimum capital requirement of individual banks may cause an illusion in supervising the soundness of the bank. So, the bank's aggressive lending expansion may lead to an inherent weakness in the event of a crisis. Since the financial authority may have an illusion about the bank's financial soundness if the low interest rate persists, the authority needs to be actively interested in stress tests and concentration risk management in the pillar 2 of the BIS capital accord. In addition, since system risk may increase, it is necessary to conduct regular stress tests or preemptive monitoring of assets concentration risk.

• Proceedings of the KWS Conference
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• 2004.05a
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• pp.144-145
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• 2004

Submerged arc welding technique using metal powder as supplementary filler metal has been studied. Forward feeding was used, and the deposit rate was increased by 50%. Good bead appearance, soundness and mechanical properties were obtained with feed rate of 120g/min..

• Journal of the Korea Institute of Building Construction
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• v.13 no.5
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• pp.449-456
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• 2013

This study was carried out to assess the suitability in terms of the standards of material quality of basalt aggregates from JEJU Island as a source for concrete aggregate. Quality assessments on the basalt aggregates were performed to assess the soundness of coarse aggregates using sodium sulfate solution, aggregate crushing test, and Los Angeles abrasion test. In addition, XRD, XRF, porosity, and compressive and tensile strength tests were performed to analyze the chemical components and the mechanical properties. In general, the mechanical properties of basalt aggregates from some areas did not meet the Korea Standards (KS), but the levels of compressive and tensile strength were higher than those of granite, andesite, and sandstone of other regions.

• Journal of the Korean Society of Environmental Restoration Technology
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• v.13 no.3
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• pp.114-127
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• 2010

This study aimed at reviewing the case examples of environmental assessment of development projects within management zones, identifying problems and improvement opportunities and suggesting the direction of environmental assessment for management zones that are increasingly segmented Findings showed that first, the assessment of environment soundness in management zones must incorporate the national land environmental map and wide-area ecological axes established by the Ministry of Environment. Second, regarding development activities in management zones, rather than an issue of simply destroying natural environment in a development site itself during a development period, an issue of permanently isolating ecosystems from surrounding areas in a mid/long-term perspective and continually polluting water in mid-stream/upstream regions where sites are located must be considered. Third, in the case of development projects with vast areas, existing plant communities will be disturbed and the naturalness of vegetation will gradually decline due to foreign tree species introduced for landscape architecture. Therefore, creating buffer forests at forest boundaries and planting native tree species that are same as nearby tree species must be examined. Last but not least, when assessing the environmental soundness of management zones, it would be crucial to comprehensively review the environmental, social and locational features of management zones, including surrounding areas, and set the direction of environmental assessment accordingly.

• Journal of Ecology and Environment
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• v.34 no.2
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• pp.137-147
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• 2011

In 2009, United Nations Educational, Scientific and Cultural Organization (UNESCO) recognized the unique outstanding ecosystem biodiversity and distinct ecocultural values of the Shinan Dadohae Biosphere Reserve in the island region. The Dadohae area, which has been sustainably conserved for scores of years, boasts not only a unique ecosystem, but also has residents with a wide range of traditional ecological knowledge. In terms of understanding the soundness of the ecosystem network known as the landscape system, the recent expansion of environmental development has served to heighten the degree of consideration given not only to biodiversity, which has long been used as an indicator to assess ecosystem soundness, but also to assess cultural diversity. Man has used the surrounding landscape and living organisms as his life resources since the beginning. Moreover, whenever necessary, man has developed new species through cultivation. Biodiversity became a foundation that facilitated establishing cultural diversity such as food and housing. Such ecological knowledge has been conveyed not only to adjacent regions, but also at the international level. The recent rapid changes in the Dadohae area island ecosystem caused by the transformation of fishing grounds by such factors as climate change, excess human activities, and marine pollution, is an epoch event in environmental history that shows that the balance between man and nature has become skewed. Furthermore, this issue has moved beyond the biodiversity and landscape diversity level to become an issue that should be addressed at the cultural diversity level. To this end, the time has come to pay close attention to this issue.

• Transactions of the Korean Society of Pressure Vessels and Piping
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• v.16 no.1
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• pp.22-29
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• 2020

In nuclear power plants, there is a risk of thermal fatigue in equipment and piping affecting system soundness because the temperature change of the system accompanies in every operation and shutdown. Therefore, in order to prevent the excess of the fatigue limit during the lifetime of plants, the fatigue limit of each piping material is determined in the designing stage. However, there are many cases where equipment or piping is locally subjected to thermal fatigue that is not considered in the design, resulting in damage to the equipment and piping, and failure during operation. Currently, local thermal fatigue generation mechanisms that are not taken into account in the design stage are gradually being identified. In this paper, the effects of the fluid temperature fluctuations on the piping soundness due to the mixing of hot and cold water, one of the local thermal fatigue generating mechanisms, were evaluated.