우리나라 은행의 예·대금리차 조정의 비대칭성: 문턱자기회귀모형(Threshold Autoregressive)의 이용

유병철,전선애 예금보험공사 2009 金融安定硏究 Vol.10 No.2

The paper analyzes the asymmetric adjustment behavior in the deposit-lending interest rate spread of banks in Korea using the threshold auto-regressive(TAR) model and momentum threshold auto-regressive(M-TAR) model. The analysis results show that the adjustment speed is slower when the spread is greater than the threshold, while it is faster when the spread is smaller than the threshold. This supports the view that banks pursue their profits through spread adjustments by adjusting the spread slowly when the spread is large and adjusting it fast when the spread is small. 본고는 우리나나 은행의 예·대금리차(spread)의 조정행태가 비대칭적 특성을 갖는지를 문턱자기회귀모형(threshold autoregressive: TAR)과 모멘텀 문턱자기 회귀모형(momentum threshold autoregressive: M-TAR)을 이용하여 분석하였다. 분석결과 예·대금리차가 문턱수준보다 큰 경우 예·대금리차가 장기균형으로 조정되어 가는 속도가 상대적으로 느리며, 예·대금리차가 문턱수준보다 작은 경우 조정 속도가 상대적으로 빠른 것으로 분석되었다. 이는 예·대금리차가 큰 경우 은행이 금리 차이를 상대적으로 가급적 천천히 조정하며, 예·대금리차가 작은 경우 상대적으로 빨리 조정하여, 예·대 마진을 통해 은행이 수익성 증대를 도모 한다는 견해를 뒷받침한다.

실험동물모델을 이용한 바이러스성 간암 발생

유병철 주식회사 녹십자 1998 녹십자의보 Vol.26 No.6

20t/h Packageed Boiler 에 設置한 Air Preheater에 對하여 : 보일러 效率을 中心으로 經濟性

柳炳哲 군산대학교 1980 群山水産專門大學 硏究報告 Vol.14 No.3

An air preheater is attached to boiler to reduce the loss of exhaust gas which gives much weight in the loss of heat and to highten the boiler efficiency. Compairing with the boiler efficiencies before and after attaching an air preheater to a packaged boiler with 20t/h established in a factory in Gun San City.The economization of the air preheater was studied as follows. 1.The boiler efficiency showed the improvement of 3.16% from 81.84% to 84.64%. 2.The temperature of exhaust gas showed decrease of 60.43℃ from 255.61℃ to 195.18℃ and the loss of exhaust gas indicated the reduction of 2.8% from 10.7% to 7.9%. 3.The increase of evaporated quantity per F.O.1 liter was 0.62ℓ from 12.12ℓ to 12.74 ℓ 4.The air preheater can be attached to this boiler by using about one-third of curtailed amount in expenditure for F.O. for one year 5.When the temperature of exhaust gas was lowered to 150℃ by widening the heating surface of air preheater, the 2.36% of boiler efficiency can be increased.

박강판(薄鋼板)의 Gas용접에서 일어나는 용접단(溶接端)의 간격에 대한 고찰(Ⅲ) : 1.2mm강판의 Butt용접에 대하여

유병철 군산대학교 1976 群山水産專門大學 硏究報告 Vol.10 No.2

In making a gas welding of a light sheet-sheel, various deformations are taken place, and among them a few ways of a welding practice such as Backward, Symmetrical, and Jumping types have been utilized with a view to prevent the revolving strain. Hut these ways increase both the welding stress and the amount of work, and accordingly decrease the welding efficiency. Continued on the last study on the effective ways of a welding practice making a reverse use of the revolving strain by measuring the length of interval between the other ends of two sheets suitable to the butt welding of a light sheet-steel in thickeness of 1mm published in 1969, this thesis contains a study on the length of interval between the other ends of two sheets which have thickeness of 1.2mm. When we set 15cm/min at the weld speed, tip size 50 in a welding torch, the pressure of oxygen 2kg/㎠, and the diameter 3mm of a welding rod, the length of interval between the other ends of light sheets are shortened in 1mm when the thickeness of light sheet-steel is thickened in 1.2mm as a results of this experiment. And when we formularize these, the results are as follows; 1. 5cm to 15cm width sheets

박강판(薄鋼板)의 Gas용접에서 일어나는 용접단(溶接端)의 간격에 관한 고찰(Ⅱ) : 제관(製管)에 對하여

유병철 군산대학교 1970 群山水産專門大學 硏究報告 Vol.4 No.1

When a light sheet-steel which has 1mm: thickness is made into various pipes such as funnels and tanks, the method of the oxy-acetylene welding is used for being faster and more efficient. First, the light sheet-steel needed for making pipe is ail·on to cut off according to the size by the squaring shear and to make it roll into a cylindrical shape by the slip roll forming machine. After that both sides of one end are fired slightly and let the other end have a suitable interval tailing account for the revolving strain, the abode welding is operated with weld speed 15mm/min, tip size 50, Pressure of oxygen 2kg/㎠, and diameter of welding rod 3mm. Here the several intervals(Imm) have been resulted in the following ; ***** D; Diameter of pipe. (cm) L; Length of pipe. (cm)

고객 Needs에 기반한 Creative Ideation Workshop (p.1877)

유병철 한국HCI학회 2011 한국HCI학회 학술대회 Vol.2011 No.1

장·단기 비대칭성을 고려한 우리나라 통화정책의 파급효과

유병철,전선애 한국산업경제학회 2011 산업경제연구 Vol.24 No.1

본고는 우리나라 예금은행의 대출 및 예금금리에 대한 통화정책의 파급효과를 장기 및 단기 비대칭성을 고려할 수 있는 비대칭 ARDL(NARDL)모형을 이용하여 분석하였다. 분석결과, 정책금리와 은행 금리와의 공적분 관계를 확인할 수 있었으며, 일반적으로 콜금리 변화 폭 보다 대출 및 예금금리의 변화폭이 컸다. 장기비대칭·단기선형 및 장·단기 비대칭 ARDL모형으로 추정한 경우, 금리가 인하되는 시기 보다는 인상되는 시기에 장기적으로 대출금리 및 예금금리에 주는 파급효과가 더욱 커 콜금리의 변동 방향에 따른 금융기관 금리의 비대칭적인 조정이 관측되었다. 한편, 콜금리 변화 시 대출금리의 변화 폭이 예금금리의 변화폭에 비해 더 큰 것으로 나타났다. 조정속도의 경우, 콜금리의 변화시의 대출 및 예금금리의 조정속도를 보면 콜금리의 인상 시와 인하 시의 조정속도의 비대칭성을 발견할 수 없었다. 그러나 대출금리 및 예금금리의 조정속도를 비교하면 대출금리는 상당한 시간을 두고 조정되는 반면 예금금리는 이 보다는 상대적으로 신속하게 조정됨을 알 수 있다. The paper investigates the pass-through of the policy rate on the retail rates such as deposit and lending rates using the nonlinear ARDL model approach which could adequately capture the short and long run asymmetry adjustments. The empirical estimation results produced the cointegrating relationship between policy rates and retail rates. The changes in the retail rates were bigger than the changes in call rates. Overall, retail rates were more responsive to the call rates in the periods of interest rates hikes than interest rates cut which demonstrates the asymmetric adjustments of retail interest rates to policy rates. When the degree of response of lending and deposit rates to the call rate changes are compared, changes in lending rates were greater than the changes in deposit rates when the policy rates were changed. No asymmetric adjustments were found in the speeds of adjustments both for deposit and lending rates in the both periods of tight and loss monetary policy regimes. When the speed of adjustments of deposit and lending rates were compared, however, deposit rates were quicker than lending rates in their adjustments following the changes in the monetary policy.

제15회 조찬 학술세미나 : 자산운용산업과 부동산펀드의 현황 및 전망

유병철 한국감정평가학회 2004 감정평가학논집 Vol.3 No.-

엔진 밸브 스프링의 서어징에 관한 연구

유병철,전운학 대한기계학회 1981 대한기계학회논문집 Vol.5 No.4

The surging stresses of the valve spring of over head valve 4 cycle engine, which is made is Korea, were computed from theoretical analysis and these values were compared with the experimental results. For calculating surging stresses of test engine valve spring. Kato"s equation should be corrected by the corretion factor C which is equal to twice rocker arm level ratio. Good agreement was found to exist between the theoretical analysis and the experimental results within.+-.5 percent differences. The stress amplitudes of test valve spring at each harmonic order were determined by the experiment and by using corrected equation, The safety considerations of test valve spring were discussed.

대화형 다목적 의사결정기법의 수송의사결정 모형에의 적용

이상도,유병철 東亞大學校 大學院 1990 大學院論文集 Vol.15 No.-

The decision making problem is the course to select the best solution from feasible solution, all the alternatives considered, Recently, the above problem has been concerned about multiple objective decision making as the optimized course of the complicated decision making included multiple criteria or multiple objective and regared this thesis as the most active parts. This thesis has been studied interactive multiple objective decision making to get the most favorite preference solution, taking into consideration algorithm taken the efficent solution. Presenting the interactive algorithm which can get the optimization solution not to use preference funtion in the efficient solution groups, we have investigated the more reliable optimization in searching for the final solution. We have tried the application for transportation problem decision making model into having the capability and applicability for practical purposes. The interactive multiple objective decision making presented in this thesis, would be able to apply the decision making under the certainty and finite for the feasible alternatives, also in complianace with the preference on decision maker. In the merit problems, the above theme will be necessitated not for prior information but for progressive articulation of preference information. But the interactive approach in the general flaws would be troubled for the defect on preference information induced in the interactive changable process of the decision maker. Because of including the uncertainty for many decision making problems in the expected study, we would tried to have the application for fuzzy set theory and interactive method about the practical problems.