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        거시경제변수가 주택담보대출에 미치는 영향에 관한 연구

        김송배(Kim, Song-Bae),김종진(Kim, Jong-Jin) 한국주거환경학회 2015 주거환경(한국주거환경학회논문집) Vol.13 No.4

        The purpose of the study is to derive the decision factors of Kyongnam mortgage market using Macro-economic variables, and VECM(Vector Error Correction Model)is adopted as a methodology in the aspect that the used variables have time-serial characteristics. The results are as follows; first, it is identified that interest rate, consumer price and M2 are the main factors determining the amount of mortgage in the area. Among them, interest rate influences the most to the mortgage market due to an increase in the ability of housing purchase, followed by M2 and consumer price. However, economic growth that is regarded as a typical capability of housing purchase was not influential factor to the mortgage market. The results imply that the capital market variables such as interest rate, M2 and consumer price should be considered to the decision making process of managing the mortgage market in local provinces since mortgage market and a risk of household finance are closely related each other.

      • 각종 암세포주에 대한 Sb-31^(?)의 항암효과

        김삼용,김송배 忠南大學校 癌共同硏究所 1998 癌共同硏究所 硏究誌 Vol.2 No.1

        Extracts of P. koreana(SB-Sl_(?)) has been tried as an antitumor agent by traditional medicine practitioner in Korea for the past 30 years. It is a specially prepared extract of P. koreana whose fractions lose efficacy compared to the original mixture. Lee observed substantial antitumor effects and minimal toxicity of SB-31 in sarcoma 180 animal tumor model(unpublished data). For the past 5 ears, there has been dramatic though anecdotal therapeutic outcomes with SB-31 in some advanced stage cancer patients. We evaluated the in vitro antitumor effects of SB-31 against 3 kinds of gastric cancer cells, A549, HeLa and Caski, MCF7, HepG2 and Hep3B and normal mononuclear cells. Cytotoxicity ws evaluated with the Tetrazolium-based colori-metric assay(MTT) after incubation of cancer cells with SB-31. Results; in 3 gastric cancer cells, ID_(50), of SB-31 were 0.16, 0.34 and 0.53mg/ml. Most effective tumor cell kill was achieved after 96 hrs of incubation with SB-31. The ID_(50) values of SB-31 on various cancer cell lines ranged from 0.14 mg/ml to 0.27 mg/ml. Keeping SB-31 ampul in room temperature up to 4 days did not affect the efficacy but the activity decreased after more than 4 days in the ambient temperature. It is concluded that SB-31 is an active antitumor agent without significanct toxicity. The mechanism of action of SB-31 and its toxicity and efficacy should be further evaluated. ◁표 삽입▷ (원문을 참조하세요)

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