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박창수 ( Chang Suh Park ),이정하 ( Chung Ha Lee ) 명지대학교 금융지식연구소 2014 금융지식연구 Vol.12 No.2
본 연구는 월별 시계열자료를 이용하여 예금은행에 비해 연구가 상대적으로 부족했던 협동조합형 금융기관인 농협·수협·산림조합(농·수·산), 신협, 그리고 새마을금고의 대출결 정요인을 실증분석하고 있다. 추정결과에 의하면, 사용자료의 수준변수들은 단위근이 존재하나, 차분변수들은 단위근이 존재하지 않으며 변수들 간에 공적분이 존재하는 것으로 검증되었다. 또한 실질대출이자율은 도시형 조합인 새마을금고와 신협의 대출에만 (-)의 영향을 미치는 것으로 나타났다. 그리고 회사채 수익률이 커질수록 각 조합의 총대출이나 가계대출은 감소하는 것으로 나타났으며, 협동조합과 예금은행 간의 가계대출 경쟁에 있어 두 금융기관간에 ‘풍선효과’가 존재하는 것으로 추정되었는데, 두 효과는 새마을금고에서 가장 크게 분석되었다. 주택가격도 대출에 큰 영향을 미치나 농·수·산보다는 신협과 새마을금고에서 더 크다. 따라서 본 논문은 협동조합의 유형에 따라 개별적으로 대출결정요인을 분석할 필요성이 있으며 정책적 시사점도 다르게 도출될 수 있음을 보이고 있다. For the analyses of determinants of loan of credit unions in Korea, this study used monthly data series for agricultural cooperative federation (Nonghyup), credit union (Sinhyup), and community credit (Saemaeulgumgo) having less researches relative to commercial banks in Korea. According to the empirical results, the variables used have unit roots at level, but not at each difference. Furthermore, there is a cointegration among variables. Real interest of loan has negative effect on loan in Saemaeulgumgo and Sinhyup mostly located in urban areas. Higher yield of corporate bond causes less loans to households and we observe a ballon effect between commercial banks and credit unions. These two effects are highest in Saemaeulgumgo. Price of house also has effective on loans, but this effect is higher in Sinhyup and Saemaeulgumgo rather than in Nonghyup. Therefore, this paper shows the needs for individual analysis based on the types of credit unions and thus we can drive different policy-implications.
송희승 ( Hee Sung Song ),서순규 ( Soon Kyu Suh ),김진순 ( Jin Soon Kim ),이정하 ( Chung Ha Lee ),박희문 ( Hee Moon Park ) 대한내과학회 1972 대한내과학회지 Vol.15 No.3
Sixty-four cases of angina pectoris were studied during a period from January 1965 to December 1971 and following results were obtained. 1. Male and female ratio of angina pectoris was 3.6: l. Average age of onset was 54.5 years of age and no significant s
송희승 ( Hee Sung Song ),서순규 ( Soon Kyu Suh ),노영무 ( Young Moo Ro ),박신권 ( Shin Kwon Park ),이정하 ( Chung Ha Lee ),박희문 ( Hee Moon Park ),송창섭 ( Chang Sup Song ),이종현 ( Jong Hyun Lee ),김관화 ( Kwan Youp Mim ),릉순재 대한내과학회 1972 대한내과학회지 Vol.15 No.12
Epidemiological studies of heart disease on 140, 775 medical cases (115, 877 cases of Out-patient and 24, 898 cases of In-patient) were made and following results were obtained. 13 Heart disease was seen. in 7. 1% (male 6. 7%, female 7. 5%) of Out-patient
李禎夏 고려대학교 의과대학 1975 고려대 의대 잡지 Vol.12 No.3
The sputum eosinophilia has been observed in various allergic respiratory diseases such as bronchial asthma and bay fever. However the sputum eosinophilia occurs also in non allergic lung diseases such as whooping cough and lung cancer. Reports on sputum eosinophilia were largely based on rough estimation by smear examination. Since there has been often no unequivocal difference between sputum of allergic and non allergic respiratory diseases by smear examination, authors studied the sputum eosinophilia quantitatively in various respiratory diseases and demonstrated marked sputum eosinophila in allergic respiratory diseases. Sputum was liquified by trypsin for 2 hours at 37℃ in incubater and stained sputum eosinophils with Randolph's solution specifically. The stained eosinophils in 1㎣ of sputum were counted by hemocytometer. Eosinophils in sputum were studied in 90 normal persons, in 36 cases of acute respiratory infections, in 23 cases of chronic obstructive lung diseases (except bronchial asthma), in 24 cases of bronchial asthma and in 20 cases of pulmonary tuberculosis. The results were as folllows: 1. Average sputum eosinophil counts in normal group were 50±72/㎣ and significantly increased in older age group above 60 year of age whose eosinophil counts revealed 120±85/㎣. 2. Average sputum eosinophil counts in bronchial asthma group were 905±473/㎣, 633±647㎣ in acute respiratory infection group, 216±218/㎣ in chronic obstructive lung disease group(except bronchial asthma) and 260±238/㎣ in pulmonary tuberculosis group. These data showed a marked increase of sputum eosinophils in bronchial asthma group, moderate increase in acute respiratory infection group and slight increase in chronic obstructive lung disese group(except bronchial asthma) as well as pulmonary tuberculosis group. 3. According to sputum nature, sputum eosinophil counts increased in purulent or mucopurulent sputum more than mucoid sputum in acute respiratory infection, bronchial asthma and pulmonary tuberculosis group. 4. The sputum eosinophil counts tends to decrease in acute respiratory infection group and tends to increase in bronchial asthma group according to the duration of illness.