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      • KCI등재

        연구논문 : LTV,DTI 규제완화가 주택구매여력 및 리스크에 미치는 영향

        최성호 ( Seong Ho Choi ),송연호 ( Yon Ho Song ) 한국금융정보학회 2015 금융정보연구 Vol.4 No.1

        최근 주택담보대출의 LTV, DTI 규제를 완화하는 조치가 시행되었다. 이것은 주택구매여력을 증가시켜 주택거래시장을 활성화할 것으로 기대되지만, 한편 가계대출의 총량을 증가시켜 가계부채문제를 심화시킬 수 있다는 우려도 제기된다. 이와 관련하여, 주택담보대출 규제완화가 실제로 주택거래시장 및 가계대출시장에 어떠한 영향을 미칠 지에 관한 실증적인 연구는 거의 이루어지지 않고 있다. 본 연구는 미시적인 가계부채 데이터와 주택시세 정보를 결합하여 LTV, DTI 규제완화가 차주의 주택구매여력 및 가계부채 건전성에 어떤 영향을 미치는지 분석하고 이로부터 정책적인 시사점을 도출하였다. 주택구매여력의 개념을 이용한 실증분석 결과 DTI보다는 LTV 기준완화가 주택구매여력에 더 큰 영향을 미치는것으로 나타났다. DTI 규제완화는 고연령대일수록 크게 영향을 미치는 것으로 보이지만, 그 효과는 상당히 미미할 것으로 예상된다. LTV 규제는 특히 고소득층을 중심으로 주택구매여력에 큰 영향을 미치는 것으로 나타난다. 두 규제완화를 모두 적용하면 전체적으로 전세가구의 약 18~19% 정도에 이르는 차주가 주택구매여력을 추가로 확보하는 것으로 예상된다. 반면, 규제완화로 인한 리스크의 증가는 크게 우려할 수준이 아닌 것으로 판단된다. 주택구매여력을 추가로 확보하는 차주가 실제로 주택금융을 지원받아 주택을 구입하더라도 LTV, DTI가 규제상한까지 높아지는 것은 아니며, 연체율도 현재 수준에서 크게 상승하지 않을 것으로 보인다. The LTV and DTI regulations of the mortgage loan have been relaxed recently. It is expected that the action invigorates the housing market by increasing the house affordability of the tenants. In the meanwhile, it is concerned that it intensifies the household debt problem by increasing the total amount of loan. But it’s not easy to find empirical studies on the effect of the deregulation on the housing market and the household debt. In this study, we analyze how the LTV and DTI deregulations affect the affordability of the tenants and the soundness of the household debt by combining the micro household debt data and housing price data. We also derive some implications on the housing finance policy. The analysis shows that the LTV deregulation has a bigger effect on the house affordability than the DTI deregulation. It appears that the DTI deregulation has a bigger effect in the older age group, but its overall influence seems to be marginal. Meanwhile, the LTV deregulation appears to have a significant effect on the house affordability, especially that of the high-income tenants. Considering both LTV and DTI deregulations, it is expected that about 19% of the tenants newly acquire the house affordability. On the other hand, the increase in the risk caused by the deregulation is believed not too big to worry about. Assuming all the tenants who acquire the affordability buy houses utilizing the housing finance, their LTV and DTI do not increase to the regulatory limits. And the delinquency rate does not rise much from the current level.

      • SCOPUSKCI등재

        고양이 위 유문 평활근 세포의 Cholecystokinin Octapeptide에 의한 수축반응에 대한 연구

        최성호(Sung Ho choi),신영민(Young Min Shin),백태현(Tae Hyun Paik),김상현(Sang Hyun Kim),송근암(Geun Am Song),조몽(Mong Cho),양웅석(Ung Suk Yang),문한규(Han Gyu Moon),임병용(Byung Yong Rhim) 대한소화기학회 1994 대한소화기학회지 Vol.26 No.2

        N/A Single dispersed smooth muscle cells from circular muscle layer of the cat pylorus, iso- lated by enzymatic digestion with collagenase, were used in this experiment to examine the characteristics of contraction by cholecystokinin octapeptide (CCK-OP) and to indentify pharmacologically the existence of cholecystokinin receptors in pyloric sphincter of the cats. Freshly dispersed cells had typical spindle shape and varied widely in length. Some were fully relaxed and others were in various states of contraction. The mean cell length was 80.6+1.9pm with the range of 45-170pm. The dispersed smooth muscle cells from cat pylorus were dose-dependently contracted in response to CCK-OP with the maximum response at a dose 10 %1 CCK OP. Acetylcholine contracted the cells in a similar dose-de- pendent manner with maximum contraction at 10 -10 ?dl acetylcholine. Mucarinic recep- tor antagonist, atropine completely blocked the response to acetylcholine and partially blocked the response to CCKC3P. Specific CCK receptor antagonist, carboxybenzyl-CCK(27 32)-NH; abolished the CCK-OP-induced response but not the acetylcholine-induced con- traction. Neither the response to acetylcholine or to CCK OP was not affected by incuba- tion in Ca''-free Hepes buffer containing 2 mM EGTA. When 4 mM Sr was substituted for Ca in Hepes buffer, the cell shortenning to acetylcholine and CCK-OP were inhibit- ed from 25.4% to 7.1% and from 27.7% to 4.3%, respectively. Based on these results, it is concluded that smooth muscle cells of cat pylorus possess receptors for CCK OP and ace- tylcholine and the receptor-mediated contraction is not dependent on the presence of ex- tracellular calcium and may depend on the release of intracellular Ca from intracellular Ca storage site.(Korean J Gastroenterol 1994; 26: 230 238)

      • KCI등재

        심미적 영역에서 즉시 임플란트 식립 및 임시 수복을 통한 단일치의 수복에 대한 증례 보고

        이성배(Song-Bea Lee),박유선(Yu-Seon Park),김병헌(Byoung-Heon Kim),이보아(Bo-Ah Lee),최성호(Seong-Ho Choi),김영택(Young-Taek Kim) 대한치과의사협회 2020 대한치과의사협회지 Vol.58 No.2

        In the anterior maxillary area, dental implants for tooth replacement are challenging due to the need to satisfy high esthetic level as well as functionality. Immediate implant placement and provisionalization can dramatically reduce the edentulous period, and then fulfill patient’s demand for esthetics. The aim of present case report is to demonstrate two cases that successfully restored single tooth with immediate implant placement and provisionalization in the anterior maxillary area. A 47 years old female was scheduled to replace her maxillary right central incisor due to crown-root fracture by trauma. Another 54-year-old female was planned to place dental implant following tooth extraction of maxillary right lateral incisor owing to continuous pus discharge despite repetitive treatments including apicoectomy. In these two cases, surgical and prosthetic procedures progressed in a similar way. After minimal flap elevation, atraumatic tooth extraction was performed. Implant was placed in proper 3-dimensional position and angulation with primary stability. Bone graft or guided bone regeneration for peri-implant bone defect was conducted simultaneously. Provisionalization without occlusal loading was carried out at the same day. Each definitive crown was delivered at 7 and 5 months after the surgery. Two cases have been followed uneventfully for 2 to 5 years of loading time. In conclusion, Immediate implant placement and provisionalization could lead to esthetic outcome for single tooth replacement with dental implant under proper case selection.

      • KCI등재

        도쿄메트로의 정보안내체계 특성에 관한 연구

        송지성(Song, Ji Sung),최성호(Choi, Sung Ho) 한국디자인문화학회 2017 한국디자인문화학회지 Vol.23 No.1

        정보안내체계의 접근에서 지하철은 길찾기와 인지문제 등 다양한 논점을 가지고 있다. 대다수의 정보안내체계 연구는 시각기호와 서체, 언어표기 등의 문제에만 집중하거나 가독성 등 특정한 부분에 집중하는 경향이 있다. 그러나 지하철 역사의 정보안내체계는 궁극적으로 역사를 이용하는 이용객의 이동에 기초한다. 최근 수립된 서울 지하철 역사 정보안내체계 가이드라인도 기본원칙과 그래픽 규정, 배치와 설치를 각기 분리하여 접근함으로써 정보안내체계에 있어 시스템적 중요성을 보여주었다. 도쿄메트로의 정보안내체계 개념은 오래 전 에이단 지하철 시기부터 유래한 것으로 오늘날 지하철 역사 정보안내체계가 가져야 할 필수조건들을 잘 보여주고 있다. 특히 기능언어를 배제하고 색상, 공간과의 연계를 통한 사인간 연결체계 등은 매우 치밀하고 전략적으로 구성되어 있다. 본 연구는 도쿄메트로의 정보안내체계 변천의 흐름을 정리하면서 그 특성을 파악하여 지하철 정보안내체계가 가져야 할 바람직한 요소를 찾고 정립하여, 한국의 지하철 정보안내체계에 부족한 체계성 및 일관성 확보에 대한 접근의 중요성을 이해시키고 그 전략을 참고하는데 목적이 있다. 이를 위해 본 연구는 도쿄메트로의 정보안내체계 관련 논문과 도쿄메트로 디자인을 담당했던 REI사의 발표자료, 도쿄메트로의 정책변화 안내자료 및 웹 자료 등 여러 기술 자료를 활용하여, 시대적 변천사를 정리하고 전략적 측면에서의 관계성을 분석했다. 연구의 결과 도쿄메트로 정보안내체계에서는 시대가 변해도 지속되는 배치의 일관성이 발견되었고 기호체계의 일관성도 발견되었다. 또한 경로 결정지점에서의 대응방식의 중요성과 유니버설디자인 관점에서 읽기 쉬운 기호체계 접근을 기존 체계에서 확장성으로 해결한 부분들도 연구의 결과로 분석되었다. 아울러 도쿄메트로 정보안내체계에서 공간별로 정보안내에 대응하는 개념적 방식과 필요한 정보의 종류, 접근 방식의 특성과 같은 부분들도 세부적 정보로 제공되었다. 이를 통해 향후 지하철 역사의 정보안내체계에 관한 연구, 가이드라인 작성 등에서 참조가 되도록 하였다. In accessing the information guidance system, the subway has various issues such as route finding and cognitive problem. Most information system researches tend to concentrate on problems such as visual symbols, fonts, and language markings, or focus on specific areas such as readability. However, the information guidance system of subway station is ultimately based on the movement of visitors who use stations. Recently, the Seoul Subway Station Information Guideline have shown systematic importance in the information guidance system by separately accessing basic principles, graphic regulations, layout and installation. The concept of the information guidance system of the Tokyo Metro is derived from the Aidan subway system a long time ago and shows the essential conditions of the subway information guidance system. Especially, it excludes the functional language and has a very detailed and strategically structured system of connecting people through color and space. The purpose of this study is to identify the characteristics of the information guidance system of the Tokyo Metro and to identify the desirable characteristics of the subway information guidance system and to establish a systematic and consistent approach to the subway information guidance system in Korea. It is aimed to understand the importance and refer to the strategy. For this purpose, this study uses various technical data such as the thesis of Tokyo Metro"s information guidance system, the presentation of design company REI responsible for Tokyo Metro, the policy change data of Tokyo Metro, and web materials, and the relationship between the two. As a result of the study, the consistency of disposition was found in the Tokyo Metro information guidance system even if the age changed, and the consistency of the symbol system for lines was found. Also, the significance of the correspondence method at the path decision point and the simplicity of the easy - to - read symbol system approach from the universal design point of view are analyzed as a result of the study. In addition, the Tokyo Metro information guidance system provided detailed information on the conceptual way of responding to information guidance by space, the kind of information needed, and the characteristics of the approach. Through this research, it became a reference source in the study of the information guidance system of subway station and preparation of guidelines.

      • KCI등재후보

        스마트 저탄소도시를 위한 기초연구

        신완선,최성호,박진철,송용우,Shin, Wan Sun,Choi, Seong Ho,Park, Jin Chul,Song, Yong Woo 한국토지주택공사 토지주택연구원 2019 LHI journal of land, housing, and urban affairs Vol.10 No.1

        In recent years, many studies have been conducted on smart low carbon cities through the fusion of ICT information technology for the purpose of reducing carbon. In this study, we investigated 13 cities in three continents that implement low-carbon city policies and analyzed the size, economic and social characteristics of each city to identify the degree of dynamic mechanism for carbon reduction. To this end, we quantified the elements of the city and analyzed the basic requirements for low-carbon cities using the TOPSIS method. The study found that most cities were better able to activate institutions and cultural conditions, facilities and functional conditions, and economic and industrial conditions than other engines, and these three were the main forms of power for smart low carbon cities. The results of this study are expected to be used as a basis for suggesting policy recommendations and improvement measures for future smart low carbon cities.

      • KCI등재

        재조합 골형성 단백질 2형(rh-BMP-2) 함유 무세포성 진피조직(acellualr dermal matrix)의 골재생 효과

        송대석,김태균,정의원,최성호,조규성,채중규,김종관,김창성,Song, Dae-Seok,Kim, Tae-Gyun,Jung, Ui-Won,Choi, Seong-Ho,Cho, Kyoo-Sung,Chai, Jung-Kiu,Kim, Chong-Kwan,Kim, Chang-Sung 대한치주과학회 2007 Journal of Periodontal & Implant Science Vol.37 No.3

        Introduction : The purpose of this study was to evaluate the possibility of the acellular dermal matrix (ADM) as a barrier membrane for bone regeneration, and to evaluate the osteogenic effect of ADM as a carrier system for rhBMP-2 in the rat calvarial defect model. Materials and Methods: An 8-mm, calvarial, critical-size osteotomy defect was created in each of 60 male Spraque-Dawley rats(weight $250{\sim}300g$). Three groups of 20 animals, each received either rhBMP-2(0.025mg/ml) in an ADM carrier, ADM only, or negative surgical control. And each group was divided into 2- and 8-weeks healing intervals. The groups were evaluated by histologic and histomorphometric parameters(10 animals/group/healing intervals). Data were expressed as $means{\pm}standard$ deviations($m{\pm}SD$). Comparisons between experimental and control groups were made using two-way ANOVA and post hoc t-test. Comparisons between 2 weeks and 8 weeks were made using paired t-test. The level of statistical difference was defined as P< 0.05. Results : The ADM group and rhBMP-2/ADM group results in enhanced local bone formation in the rat calvarial defect at both 2 and 8 weeks. The amount of defect closure and new bone formation were significantly greater in the rhBMP-2/ADM group relative to ADM group(P<0.05). At 8 weeks, the majority of ADM in the defect was contracted, and integrated with surrounding host tissues. In addition, host cell infiltration and neovascularization of the ADM in the absence of an inflammatory response were observed, and the newly formed bone around ADM showed a continuous remodeling and consolidation. Conclusion : The results of the present study indicated that ADM may be used as a barrier membrane for bone regeneration and that may be employed as a delivery system for BMPs.

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