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가상경계-격자 볼츠만 방법을 이용한 유동장내 나노/마이크로 입자에 작용하는 힘의 해석
조홍주,이세영 대한의용생체공학회 2022 의공학회지 Vol.43 No.1
Immersed boundary-Lattice Boltzmann Method (IB-LBM) is used for the analysis of flow over the circular cylinder in the concept of fluid-structure interaction analysis (FSI). Recently, IB-LBM has shown the enormous pos- sibility for the application of various biomedical engineering fields, such as the movement of a human body or the behavior of the blood cells and/or particle-based drug delivery system in blood vessels. In order for the numerical analysis of the interaction between fluid and solid object, immersed boundary method and lattice Boltzmann method are coupled to analyze the flow over a cylinder for low Reynolds laminar flow (Re=10, 20, 40 and 100) with Zhu- He boundary condition at the boundary. With the developed IB-LBM, the flow around the cylinder in the uniform flow is analyzed for the laminar flow and the drag and lift coefficients and recirculation length are compared to the previous results.
조홍주,황인영 한국행정학회 2024 韓國行政學報 Vol.58 No.1
Since the 2008 economic crisis, financial support provided by national and local governments to small business owners has increased significantly. However, there remains a lack of empirical analysis regarding the effectiveness of financial support policies. Accordingly, in this study, the effect of changed interest support for delays and defaults of guaranteed loans to SMEs was analyzed based on credit guarantee data from the Seoul Credit Guarantee Foundation. The effect of a difference in interest subsidy on the delays and defaults of guaranteed loans to SMEs was analyzed using a quasi-experimental study in which 3%P of the loan interest subsidies was exhausted, and the interest subsidy changed to 1.5%P. The results showed that a decrease of 1.5%P in interest subsidies increased delay and default rates by 2.5% each. The robustness of the results was verified by propensity score matching, which confirmed the effect on defaults to be significant and showed that the difference in interest subsidies affected defaults rather than delays. Hence, active policy financing is meaningful because it reveals that financial support through increased interest subsidies by the Seoul Metropolitan Government is a policy tool that significantly affects the defaults of SMEs.
유인적 정책도구 조합이 저신용 자영업자의 채무조정 선택에 미치는 영향
조홍주 ( Hong-joo Jo ) 고려대학교 정부학연구소 2021 정부학연구 Vol.27 No.1
본 연구는 유인적 정책도구인 신용보증과 이자 지원의 조합의 차이가 저신용 자영업자의 채무이행과 채무불이행 이후 채무조정 선택 및 절차 선택에 미치는 영향을 준실험적 상황을 이용하여 분석하였다. 채무불이행과 채무불이행 이후 채무조정 여부는 로짓모형을, 채무조정 시에 신용회복, 개인회생, 파산면책 중의 선택은 다항로짓모형을 이용하였다. 분석 결과, 유인적 정책도구 조합은 채무자의 채무불이행의 증가 및 채무조정 선택의 감소와 연관을 보였으며 채무자의 연령대와 채무 상황 등에 따라 차이를 보였다. 자영업자가 금용소외 자영업자 특례보증신청 시에 신용이 좋고 자기 집에 거주하며 채무가 있으면, 채무불이행 상태에서 채무조정을 신청할 확률이 높았다. 유인적 도구 조합 지원을 받으면 개인 회생을 신청할 확률이 7% 감소하였으나 그 영향은 정책 대상자의 생애 주기 및 채무상황에 따라 다르게 나타났다. 본 연구결과를 통해 정책도구의 조합의 이용에 수혜자의 특성을 고려한 정책설계 및 집행을 제안한다. This study empirically investigates the effects of difference in incentive policy tool packaging in combinations of loan guarantees and interest subsidiesusing natural experimental conditions to measure the effect on defaulting on loans and participation in debt restructuring procedures after defaulting. The study uses a logit model to analyze whether to default and choose whether to apply for debt restructuring after defaulting. The study also uses a multi-logit model to analyze the choices of debt adjustment, personal recovery, and bankruptcy for debt management after defaulting. According to the analysis, incentive tool packaging influences debtors to default more frequently and participate in debt restructuring procedures less frequently. The possibility of applying for debt adjustments increases if the borrower has a good credit score, owns a house, or has multiple debts at the time of the application for a credit guarantee. In the case of incentive tool packaging, the probability of applying for debt adjustment is reduced by 7%, but the impact varies depending on the age group and debt situation. Based on the results of this study, the effect of incentive tool packaging is different depending on the debtor’s situation. This study suggests that policy design and implementation that consider the debtor’s situation are necessary when using incentive tool packaging.