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- 저자 : 안상진 ( Sangjin Ahn ) (검색결과 4 건)
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주택금융 및 보금자리론 실태조사 응답자들의 주택담보대출 만족 응답 일관성에 영향을 미치는 요인
안상진(Sangjin Ahn),안세륭(Seryoong Ahn) 한국자료분석학회 2022 Journal of the Korean Data Analysis Society Vol.24 No.1
본 연구는 주택금융 및 보금자리론 실태조사 설문자료에 나타난 설문지 응답자들의 주택담보대출 만족 요인에 대한 응답 일관성을 분석한다. 설문 가운데 주택담보대출 만족과 관련한 동일한 선택지가 있는 두 문항을 활용하여 응답자 특성 가운데 이 문항들에 대한 응답 일관성과 유의한 관계를 나타내는 요인을 추출한다. 응답자 연령, 성별, 학력, 거주 지역, 소득, 결혼, 맞벌이 등 응답자의 일반적인 특성을 통제한 분석 결과 다른 가구에 비해 대출모집인이나 부동산 중개업자에게서 주택담보대출 관련 정보를 취득한 가구는 다른 가구에 비해 주택담보대출 만족 요인관련 질문에서 응답 일관성이 낮았고, 자산 증대를 위해 주택을 구입한 가구와 주택담보대출 월상환금에 부담을 느끼는 가구는 상대적으로 일관성 있는 응답을 한 것으로 나타났다. 대출의 만기, 금리유형 인지 여부, 자가 거주나 임차 거주 여부 등은 일관성과 유의한 관계가 나타나지 않았다. 이 결과는 주택담보대출의 상품성에 대한 정밀한 분석이 필요한 주택금융공사 및 기타 금융기관들이 만족 요인 관련 조사에서 이러한 특성을 가진 가구들의 응답에 대해서는 유의하여 해석할 필요가 있다는 것을 암시한다. This study analyzes the consistency of responses to the satisfaction factors for housing mortgage loans of the respondents shown in the Housing finance and Bogeumjari loan survey data. Using two questions with the similar options related to mortgage satisfaction in the questionnaire, factors showing a significant relationship among the characteristics of respondents with the consistency of responses to these questions are examined. As a result of the analysis after controlling for general characteristics such as age, gender, education, residence area, income, marriage, and dual income, the response consistency of households who obtained information on mortgages from loan brokers or real estate agents was lower than that of other households. It was found that the households who purchased a house to increase their assets and the households who felt burdened by the monthly repayment of the mortgage gave more consistent responses to the questions related to the satisfaction factor of the mortgage than other households. The households awareness of loan maturity and/or interest rate type, and the type of residence - self-residence or rental residence showed no significant relationship with consistency. This result suggests that the Korea Housing Finance Corporation and other financial institutions, which require a detailed analysis of the marketability of mortgage loans, need to carefully interpret the responses of households with the significant characteristics on the mortgage satisfaction factors.
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천연기념물 한국 산양의 혈액 및 혈액 화학적 정상표준범위
안상진 ( Sangjin Ahn ),최영진 ( Youngjin Choi ),김종택 ( Jong-taek Kim ) 한국가축위생학회 2017 韓國家畜衛生學會誌 Vol.40 No.2
Korean goral (Neamorhedus caudatus) is registered as a natural monument number 217 by South Korea Cultural Heritage Administration. It is also recognized as the endangered speciesⅠ by Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES). In this study, blood samples of Korean goral were collected to make reference intervals. Blood sampling was conducted on 19 numbers of Korean gorals (ten females, nine males), which were reared in Korean Goral Restoration Center. For total samples, the reference intervals of hematological parameters were: white blood cell 7.69∼10.87 K/μA; hematocrit 36.73∼46.18%; red blood cell 10.72∼12.86 M/μA; hemoglobin 12.79∼15.14 g/dL; mean corpuscular volume 33.15∼36.75 fL; mean corpuscular hemoglobin 11.53∼12.23 pg; mean corpuscular hemoglobin concentration 32.64-35.91 g/dL and red blood cell distribution width 39.2 ∼43.46%. For total samples of each parameters, the following results were obtained for serum biochemistry: glucose 111.81∼153.77 mg/dL; blood urea nitrogen 22.35∼28.91 mg/dL; creatine 1.22∼1.84 mg/dL; phosphate 4.57∼6 mg/dL; calcium 8.7∼9.1 mg/dL; total protein 6.53∼6.92 g/dL; albumin 3.1∼3.48 g/dL; globulin 3.26∼3.62 g/dL; alanine aminotransferase 56.7∼158.56 U/L; aspartate aminotransferase 230.35∼473.06 U/L; alkaline phosphatase 178.06∼332.47 U/L; gamma-glutamyl transpeptidase 131.6-∼181.24 U/L; total bilirubin 1.47∼2.12 mg/dL; cholesterol 46.48∼71.52 mg/dL; amylase 16.3∼26.03 U/L; sodium 150.43∼153.88 mmol/L; potassium 3.98∼4.6 mmol/L and chlorine 109.48∼113.26 mmol/L. The ranges of values were similar campared to previous studies except in the case of RDW value, which showed higher range than the RDW value of a previous study. The reference intervals from this study will be useful data for treatment and management of gorals.
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금융 중심의 이동: 스퍼퍼드의 논문을 바탕으로 한 역사적 고찰과 전망
구형건 ( Hyeng Keun Koo ),배세융 ( SeYoong Bae ),안상진 ( Sangjin Ahn ),정재웅 ( JaeWoong Jung ) 글로벌금융학회 2020 글로벌금융리뷰 Vol.1 No.1
이 연구에서는 피터 스퍼퍼드(Peter Spufford)교수의 2006년 논문인 “From Antwerp and Amsterdam to London: the decline of financial centres in Europe”에 바탕을 두고 금융 중심의 이동에 대한 역사적 과정을 살펴본다. 스퍼퍼드의 논문은 금융 중심의 이동을 설명하는 개념적 도구를 제시한다. 산업배후지, 상업네트워크 등은 금융중심의 형성에 중요한 역할을 한다. 그러나 금융중심은 이러한 역할이 중지한 이후에도 지속하는 경향이 있다. 그리고 역사적 고찰을 바탕으로 포스트 코로나 시대의 금융 중심의 이동에 대하여 전망하고 정책결정에 도움을 줄 수 있는 교훈을 유도한다. We provide a historical perspective on movement of financial centers based on our review of Spufford’s “From Antwerp and Amsterdam to London: Decline of Financial Centers in Europe,” (De Economist, 2006). Spufford’s article propose conceptual tools to analyze rise, decline, and movement of financial centers. Industrial hinterland, and development of commercial network play important roles in the rise of financial centers. Financial centers exhibited inertia, however, even after their role as centers of industry and commerce declined. We derive policy implications and a brief expectation about potential movement of financial centers in the post-COVID era.
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서울동물원 야생동물의 임상 검체 내 Clostridium 균의 항생제 내성 분석
이하늬 ( Hany Lee ),여용구 ( Yong-gu Yeo ),안상진 ( Sangjin Ahn ),김종택 ( Jong-taek Kim ) 한국동물위생학회(구 한국가축위생학회) 2020 韓國家畜衛生學會誌 Vol.43 No.1
Clostridial bacteria are zoonotic agents, which cause severe necrotizing enteritis, pseudo-membrane colitis, enterotoxemia to both humans and animals. The objective of this study was to monitor the antibiotic resistance of Clostridium isolates on clinical specimens from wild animals in Seoul zoo for 5 years. Clostridium isolates were verified by using Vitek2 compact machine. Antibiotic susceptibility was assessed by antibiotic disc diffusion test, which was followed by Kirby-Bauer disc diffusion test method. The frequency of Antimicrobial resistance of Clostridium isolate was the greatest in gentamicin (87%), then in order of amikacin (80%). There were 55.6% of Clostridium isolates showed multiple drug resistance (MDR). These results showed that a lot of Clostridial bacteria from wild animals in Seoul zoo were acquired antibiotic resistance. Because of the wild animal’s aggressive manner, it has been hard to collect clinical samples from wild animals in a zoo to exam antibiotic susceptibility. For these reasons, empirical use of antibiotics has been performed in frequently. It may cause to increase the emergence of antibiotic resistance bacteria. In addition, the antibiotic resistance bacteria from zoo animals can be spread to other wild animals which inhabit around the zoo. Therefore, regular monitoring of antibiotic resistance Clostridial bacteria is important to protect animals and humans from Clostridial diseases.
KCI
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