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Does Public Credit Guarantee Contribute to Economic Growth? : Evidence From Korea
임혜진,권의종,유승훈 한국중소기업학회 2011 中小企業硏究 Vol.33 No.1
The credit guarantee program holds a key post in financing small and medium enterprises (SMEs) in Korea. However, it has been criticized for providing excessive credit guarantees after the Foreign Exchange Crisis of 1997. The economic effect of public credit guarantees has been examined in a variety of different theoretical frameworks, although empirical evidence has been rather hard to come by. The purpose of this paper is to examine the causality between public credit guarantees and economic growth, and to obtain policy implications from our results. This paper examines the long-run and short-run causality issues between public credit guarantees (PCG) and economic growth in Korea by using the co-integration and vector error-correction models (VECM). The overall results show that there exists bi-directional causality between PCG and economic growth. This means that economic growth has negative effects on PCG supply and increasing PCG has positive effects on economic growth. That is, a policy for increasing public credit guarantees is likely to contribute to economic growth for Korea, and in the long-run, economic growth curtails the need of a public credit guarantee supply. These results reveal that the role and the size of the credit guarantee can vary according to the growth stage of financial market's class structure in each country.
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보증이 연계된 중소기업 온라인 역경매 대출이 대출금리에 미치는 영향에 관한 연구
강맹수 ( Maeng Soo Kang ),권의종 ( Eui Jong Kwon ),이군희 ( Gun Hee Lee ) 한국금융연구원 2012 금융연구 Vol.26 No.2
Recently, the online reverse-auction guaranteed loan (ORAL) product has been launched at January 2011 by the Korea Credit Guarantee Fund (KODIT) as a financing support system for small and medium sized enterprises (SMEs). This product, the ORAL, was introduced for the first time in the world. Therefore, lots of questions and effectiveness from the ORAL product might be arising. A possible positive effect will be reducing loan rate on the loan due to the competition under this newly-developed online loan market. As Petersen and Rajan (1994, 1995) argued, long-term relationship between SMEs and banks could affect loan availability and loan rate. And the relationship would be damaged when loan market becomes more open and competitive. Also, Degryse and Ongena (2005) argued that geographical distance among competing banks could important factor to determine loan rate for SMEs. However, none of previous research shows any results about the relationship between SMEs and banks under the online reverse-auction loan market. This paper analyzes how the online reverse-auction loan market affects the loan rate to the SMEs. An effect of loan rate under the online reverse-auction loan market can be decomposed into a direct effect and an indirect effect. The direct effect implies loan rate changes due to the competition with at least two bank`s offer on the online reverse-auction loan market. We expect another shock might be appeared for affecting overall changes of loan rates to all SME after launching the ORAL product in the market. We call this shock as the indirect effect. The indirect effect appears under the bank`s consideration as an additional competition factor to prevent from losing their current customers on the online reverse- auction loan market. To identify these effects, we collect 31,566 guaranteed loan data between July 2010 and June 2011. The study shows three interesting results. Due to the competition in the online market, the ORAL product has the direct effect reducing 13~48.3 bps of loan rate across the industries and credit ratings. Secondly, the appearance of the ORAL product in the online market makes additional drop as 8.5~28.4 bps to all SME loans as the indirect effect. Finally, SMEs with average or below average credit rating (“B-class” or “C-class”) have bigger direct and indirect effect reducing loan rate than others. In summary, the online reverse-auction could make changes into the SME loan market more competitive with providing more substantial help to less creditworthy SMEs that have experienced difficulty to lending from the ordinary off-line loan market.
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노정현(Jeong-Hyun Noh),전왕수(Wang-Su Jeon),이상용(Sang-Yong Rhee) 한국정보기술학회 2022 Proceedings of KIIT Conference Vol.2022 No.6
본 논문에서는 FAST 검사방법 중 하나인 얼굴영역을 이용하여 뇌졸중 조기 증상 진단 분류 방법을 제안하였다. 이 방법은 U-Net과 FCN을 이용하여 얼굴 영역의 입술을 분할하고, 입술영역의 특징을 사용하여 정상, 비정상을 분류한다. 분할 모델은 U-Net과 FCN의 백본망은 ResNet101과 VGGNet16을 사용했고, ResUnet이 87.8%의 정확도를 보였다. 그리고 분류성능을 비교한 결과 96.7%로 가장 좋은 성능을 보였다. In this paper, the use of face region, one of the FAST approaches, it is proposed this research for early stroke classification. This approach uses U-Net and FCN to segment lips in the face region and discriminate between positive and negative based on lip features. ResNet101 and VGGNet16 are used in the segmentation model for the U-Net and FCN backbone networks, respectively, and ResUnet has accuracy of 87.8%. In addition, due to the normal and abnormal comparison using xgboost by extracting features from the lips, the accuracy was 96.6%.
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김일 ( Il Kim ),김진일 ( Jin Il Kim ),권의종 ( Eui Jong Kwon ),장재혁 ( Jae Hyuk Jang ),정성민 ( Sung Min Jung ),성현진 ( Hyeon Jin Seong ),정대영 ( Dae Young Cheung ),박수헌 ( Soo Hern Park ) 대한소화기학회 2016 대한소화기학회지 Vol.67 No.5
Pneumatosis cystoides intestinalis (PCI) is a rare condition characterized by multiple gas-filled cysts of varying size in the wall of gastrointestinal tract. PCI may idiopathic or secondary to various disorders. The etiology and pathogenesis of PCI are unclear. Treatment is usually conservative, and includes oxygen and antibiotics therapy. Surgery is reserved for cases of suspected inconvertible intestinal obstruction or perforation. Eleven patients who were diagnosed with PI between 2005 and 2015 were reviewed. We report three cases of PCI and describe causes and complications. The most important point in the treatment of PCI is to determine whether the patient needs surgery. Conservative care should be considered first if the patient is stable. If any complication is observed, such as ischemia in the intestine, surgery is needed. It is important to choose the best treatment based on prognostic factors and CT findings. (Korean J Gastroenterol 2016;67:262-266)
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