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        가구 특성을 고려한 주택구입자금 대출에 관한 분석

        구만수(Ku, Man Soo),서정렬(Suh, Jeong Yeal),최열(Choi, Yeol) 한국부동산학회 2013 不動産學報 Vol.55 No.-

        1. CONTENTS (1) RESEARCH OBJECTIVES The purpose of this study is to analyze the effects of household characteristics on the loan of the housing purchase money using the survey for householders in Busan. (2) RESEARCH METHOD This study was focused on survey analysis. The data for this analysis were collect from the questionnaire. This questionnaire consisted of the current loan existence. the loan ratio of housing prices, the loan ratio of household income and household characteristics. Specifically, the binary logit model and the oredered logit model was employed as the empirical analysis for t he study. (3) RESEARCH FINDINGS In the results of this study, the number of families and the period of house ownership are the important variables in the current loan existence analysing model. Also, age, the number of families and the period of house ownership are the important variables in the loan ratio of housing prices analysing model. Besides, age, the number of families, average household income and the period of house ownership are the important variables in he loan ratio of household income analysing model. 2. RESULTS This study showed that if the number of families was increased and the period of house ownership was decreased, probability of making a loan to purchase house was increased. In addition, it showed that the number of families was increased and age and the period of house ownership were decreased, the ratio of loans to housing price was increased. Moreover, it also showed that if th number of families was increased and age, average household income and the period of house ownership were decreased, the ratio of loans to household income was incr eased.

      • KCI등재

        In-line 마그네트론 스퍼터 장치를 사용하여 산소 분위기에서 제작한 Ag 박막의 특성

        구대영,김원목,조상무,만수,이인규,정병기,이택성,이경석,조성훈,Ku, Dae-Young,Kim, Won-Mok,Cho, Sang-Moo,Hwang, Man-Soo,Lee, In-Kyu,Cheong, Byung-Ki,Lee, Taek-Sung,Lee, Kyeong-Seok,Cho, Sung-Hun 한국재료학회 2002 한국재료학회지 Vol.12 No.8

        A study was made to examine the electrical, compositional, structural and morphological properties of Ag thin films deposited by DC magnetron sputtering in $O_2$ atmosphere with deposition temperature from room temperature to 15$0^{\circ}C$ using in-line sputter system. The Ag films deposited at temperature above $100^{\circ}C$ in oxygen atmosphere gave a similar specific resistivity to and even lower oxygen content than those deposited using pure Ar sputter gas The Ag films deposited with pure Ar gas was mainly composed of crystallites with [111] preferred orientation, while, for those deposited in oxygen atmosphere, more than 50% of the volume was composed of crystallites with [100] orientation. The difference in the micro structure did not cause any difference in the specific resistivity of Ag films. The results showed that the transparent conducting oxide films and the Ag films could be processed sequentially in the same deposition chamber with careful control of deposition temperature, which might result in a cost reduction for constructing the large scale in-line deposition system.

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