주택가격변동이 지방은행의 경영성과에 미치는 영향

한명훈,정헌용 국제문화기술진흥원 2021 The Journal of the Convergence on Culture Technolo Vol.7 No.2

This study analyzed the effect of housing price changes on the performance of Korean regional banks using DOLS model. The analysis shows that housing price changes does not have a statistically significant effect on the loan growth, profitability and soundness of regional banks. Among macroeconomic variables, only short-term interest rates have a significant positive effect on any model. This means that a rise in short-term interest rates significantly increases loans by regional banks, which leads to a significant increase in profitability, but has a significant negative impact on soundness. On the other hand, bank characteristics variables are found to have a significant negative effect on the loan growth, profitability and soundness of Korean regional banks. 본 연구는 주택가격의 변화가 우리나라 지방은행의 경영성과에 미치는 영향을 DOLS 모형을 이용하여 분석하였다. 분석 결과, 주택가격변동률은 지방은행의 성장성, 수익성 및 건전성에 모두 통계적으로 유의한 영향을 미치지 못하는 것으로 나타났다. 거시경제변수 중에서 단기금리만이 어떠한 모형에서도 유의한 양(+)의 영향을 미치는 것으로 나타났다. 이는 단기금리가 상승하면 지방은행이 대출을 유의하게 증가시키고 이는 수익성의 유의한 증가를 가져오지만 건전성에는 유의한 부정적 영향을 미치는 것을 의미한다. 반면에 은행특성변수들은 대부분 지방은행의 성장성, 수익성 및 건전성에 유의한 음(-)의 영향을 미치는 것으로 나타났다.

이자율 변동이 주택가격에 미치는 영향

한명훈 사단법인 한국벤처혁신학회 2022 벤처혁신연구 Vol.5 No.3

부동산 시장은 한 나라의 경제에서 중요한 부분을 차지하고 있으며, 많은 관련 산업의 성장을 통해 경제성장에 큰 역할을 하고 있다. 이자율의 변동은 자산 가격에 영향을 미치며 주택가격에도 큰 영향을 미친다. 본 연구는 이자율의 변동이 주택가격에 미치는 영향이 지역적인 차이를 보이는지를 분석하기 위하여, 주택가격을 전국, 지방, 서울 주택가격으로 구분하여 분석하였다. 분석은 2011년 1분기부터 2021년 4분기까지의 기간을 대상으로 하였으며 DOLS 모형을 이용하여 분석하였다. 주요한 분석결과는 다음과 같다. 첫째, 이자율은 전국 주택가격에 대해 유의한 음(-)의 영향을 미치는 것으로 나타나, 이자율의 하락은 전국 주택가격을 유의하게 상승시키고 이자율의 상승은 전국 주택가격을 유의하게 하락시키는 것으로 나타났다. 소비자물가지수와 대출증가율도 전국 주택가격에 양(+)의 영향을 미치지만 통계적 유의성은 높지 않았다. 둘째, 이자율은 전국 주택가격의 경우와는 달리 지방 주택가격에 음(-)의 영향을 미치지만 통계적으로 유의하지는 않았다. 반면에 소비자물가지수와 대출증가율은 전국 주택가격에 비해 지방 주택가격에 더 크고 유의한 양(+)의 영향을 미치는 것으로 나타났다. 마지막으로, 이자율은 서울 주택가격에 유일하게 유의한 음(-)의 영향을 미치는 것으로 나타났다. 그리고 이러한 영향은 전국과 지방 주택가격에 대한 영향보다 더 크고 더 유의한 수준을 보였다. 결국 이자율이 한국 주택가격에 미치는 영향은 지역적으로 차이가 존재하는 것으로 나타났다. 이자율은 전국 주택가격에 유의한 음(-)의 영향을 미치며, 지방 주택가격에도 음(-)의 영향을 미치지만 통계적으로 유의하지는 않은 것으로 나타났다. 그리고 이자율은 서울 주택가격에 가장 크고 유의한 음(-)의 영향을 미치는 것으로 나타났다. 또한 거시경제변수들이 주택가격에 미치는 영향도 차이가 존재하는 것으로 나타났다. 이는 지방과 서울 주택가격에 미치는 영향 요인이 서로 다른 지역별 차이가 존재하는 것을 의미하는 것이며, 부동산정책을 입안하고 실행할 때에는 이러한 점을 고려하여야 할 것으로 보여 진다.

한국에서 부동산시장은 실업률에 영향을 미치는가?

한명훈,정헌용 국제문화기술진흥원 2023 The Journal of the Convergence on Culture Technolo Vol.9 No.5

This study analyzed the impact of the real estate changes on the unemployment rate in Korea. Using monthly data from January 2013 to February 2023, the study employed a multiple regression analysis model. The key findings are as follows: First, there was a significant causal relationship between the real estate changes and the unemployment rate. Specifically, an increase in the real estate market led to a significant decrease in the unemployment rate, while a decrease in the real estate market resulted in a significant increase in the unemployment rate. Second, an increase in the loan interest rate was found to significantly reduce the unemployment rate, while a rise in interest rates had adverse effects on the unemployment rate. Furthermore, an increase in inflation was associated with a significant rise in the unemployment rate. Moreover, an increase in the number of permits issued for housing construction significantly reduced the unemployment rate. Lastly, conducting robustness tests by substituting variables did not significantly alter the analysis results, indicating the robustness of the impact of the real estate changes on the unemployment rate. Based on the above analysis, it can be inferred that the fluctuations in real estate prices in South Korea are linked to fluctuations in the unemployment rate, and stable management of the real estate market may contribute to the stability of the unemployment rate.

병무 관련 진단 문제의 이슈

한명훈 대한소아청소년정신의학회 2022 대한소아청소년정신의학회 학술대회논문집 Vol.2022 No.5

월트 휘트먼의 선악관

한명훈 신영어영문학회 2000 신영어영문학 Vol.16 No.-

The problem of Self is most crucial in understanding of Whitman's poetry. The purpose of this paper is to study Whitman's concept of good and evil on the basis of his Self in the light of Vedantic philosophy. Both Whitman and Vedantic mystics believe that there are two selves in them, Me(the real self) and not-Me. The real self, atman in Vedantic philosophy, is impregnable, immortal, immutable, non-dual, free and pure and is identical with the Absolute. When man realizes that the real self is identified with the Absolute, he liberates. After this realization, he is free from all the dualism, such as good and evil, matter and spirit, subject and object, and sensible and suprasensible. Whitman makes contradictory statements regarding evil in his poems. In one and the same breath he denies evil and insists that evil is not delusion. Like Vedantists, Whitman seems to recognize two distinct planes of existence―the one phenomenal, the other metaphysical. The former is the point of view of "the developed soul" and the latter is that of the undeveloped individual. While to the developed soul evil has no reality and is only maya, to the undeveloped evil has reality. Whitman, the developed soul, denies evil only from the point of view of knowlege, though from the point of view of ignorance he concedes that there is evil. While evil is invalid with reference to Whitman and his soul is unaffected by moral distinctions and suffering in the world around him, evil has a reality to ordinary men. Whitman expresses both points of view in his poems. This is why Whitman accepts and denies evil at the same time and he stands indifferent to both good and evil.

Clinical Features of Distal Anterior Cerebral Artery Aneurysms Based on 26 Consecutive Cases

한명훈,정진환,김재민,김충현 대한뇌혈관외과학회 2010 Journal of Cerebrovascular and Endovascular Neuros Vol.12 No.1

Objective : Distal anterior cerebral artery (DACA) aneurysms are relatively uncommon, and operative management is usually difficult because of narrow operative fields, deep exposure, interhemispheric adhesions, and problems in achieving proximal vessel control. We present our experience with 26 DACA aneurysm cases and analyze the clinical features and surgical outcomes retrospectively. Methods: From 1998 to 2008, surgical clipping of DACA aneurysms was carried out in 26 patients among a total of 504 patients with intracranial aneurysms. In each case, the clinical and radiological features were carefully reviewed through angiograms, medical records, and intraoperative findings. Results:ThemostcommonlocationofDACAaneurysmswasthejunctionofthepericallosalandcallosomarginal arteries: 23 occurred at pericallosal-callosomarginal (PC-CM) junctions while three occurred in the pericallosal-frontopolar (PC-FP) region. Multiple aneurysms were found in 15 cases (58%), and associated vascular anomalies were noted in three cases (12%). Eleven (64.7%) of the 17 ruptured aneurysms and seven (77.8%) of the nine unruptured aneurysms were smaller than 7 mm; only two aneurysms (7.7%) were larger than 10 mm. Seven cases (26.9%) underwent minor premature rupture with proximal artery control. Conclusion:Despitethesmall patient group, our data suggest that in general, DACA aneurysms tend to rupture at a smaller size than do intracranial aneurysms. Thus, unruptured DACA aneurysms require aggressive treatment, even when they are small. (KorJCerebrovascularSurgery12(1):26-31,2010)

휘트먼의 자아와 절대자

한명훈 한국영미어문학회 1999 영미어문학 Vol.- No.57

은행 대출이 주택가격에 미치는 영향

한명훈 국제문화기술진흥원 2022 The Journal of the Convergence on Culture Technolo Vol.8 No.4

This study analyzed the effect of bank loans on housing prices, classified bank loans into bank total loans, household loans, and real estate mortgage loans, and analyzed housing prices by dividing them into national-level, regional-level, and Seoul-level housing prices. The main analysis results are as follows. First, it was found that the increase in total bank loans significantly increased housing prices across the national-level, regional-level and Seoul-level. Second, it was found that household loans had a positive effect on regional-level housing prices, but were not statistically significant. In addition, the effect of bank loans on regional-level housing prices was found to be relatively small compared to the effect on national-level housing prices. Third, it was found that there was a difference in the effect of bank loans on regional-level housing prices and Seoul-level housing prices. Fourth, inflation and bank total loans had a significant positive effect on regional-level housing prices with a lag in the first quarter, and short-term interest rates had a significant negative effect on Seoul-level housing prices with a lag in the first quarter. Overall, it was found that the effect of bank loans on housing prices had a positive effect about twice that of Seoul-level rather than regional-level. 본 연구는 은행 대출이 주택가격에 미치는 영향을 분석하였으며, 은행 대출을 은행 총대출금, 가계대출금, 부동산담보대출금으로 구분하였고, 주택가격을 전국, 지방, 서울 주택가격으로 구분하여 분석하였다. 주요한 분석 결과는 다음과 같다. 첫째, 은행 총대출금의 증가는 전국, 지방, 서울 주택가격을 유의하게 상승시키는 것으로 나타났다. 둘째, 가계대출금은 지방 주택가격에 양(+)의 영향을 미치지만 통계적으로 유의하지는 않은 것으로 나타났다. 그리고 은행 대출이 지방 주택가격에 미치는 영향은 전국 주택가격에 미치는 영향에 비해서는 상대적으로 작은 것으로 나타났다. 셋째, 은행 대출이 지방 주택가격과 서울 주택가격에 미치는 영향은 차이가 있는 것으로 나타났다. 넷째, 인플레이션과 은행 총대출은 1분기의 시차를 가지고 지방 주택가격에 유의한 양(+)의 영향을 미쳤으며, 단기금리는 1분기의 시차를 가지고 서울 주택가격에 유의한 음(-)의 영향을 미쳤다. 전체적으로는 은행 대출이 주택가격에 미치는 영향이 지방보다는 서울에 약 2배 정도 더 큰 양(+)의 영향을 미치는 것으로 나타났다.

Preparation of UV-curable Coating Composition with Compounds Containing Sulfur

한명훈,김형중 한국고분자학회 2007 한국고분자학회 학술대회 연구논문 초록집 Vol.2007 No.10

Bone Mineral Density and Fatty Degeneration of Thigh Muscles Measured by Computed Tomography in Hip Fracture Patients

한명훈,원예연 대한골대사학회 2016 대한골대사학회지 Vol.23 No.4

Background: Recently, as an independent fracture factor from Bone mineral density (BMD), muscle weakness due to the fatty degeneration of thigh muscles have been attracting attentions as causes of hip fracture. The purpose of this study is to investigate the correlation between the body composition and BMD and fatty degeneration of thigh muscles of the female patients over 65 years old with osteoporotic hip fracture. Methods: This study was conducted with 178 female osteoporotic hip fracture patients. Total hip BMD was measured using dual energy X-ray absorptiometry. Cross-sectional area (CSA), cross-sectional muscle area (CSmA), muscle attenuation coefficient (MAC), and intramuscular adipose tissue (IMAT) of gluteus maximus, hip abductors, quadriceps and hamstring muscle were measured with computed tomography. Normalized IMAT (nI- MAT) was calculated by dividing the fat area in the muscle into the size of each muscle. The correlation between each measurement is examined then the differences between the intertrochanteric fracture group and the femoral neck fracture group were analyzed. Results: CSmA and MAC of quadriceps were the largest and nIMAT was the lowest. CSA and CSmA of the four muscles showed a statistically significant positive correlation with weight, height, body mass index (BMI), and BMD. MAC of 2 gluteal muscles was positively correlated with weight, BMI and BMD. nIMAT of all four muscles was positively correlation with weight and BMI but nIMAT of 2 mid-thigh muscles was positively correlation with BMD. Conclusions: Muscle size and fatty degeneration in the thigh muscles were most positively correlated with the body weight. BMD was positively correlation with CSA and CSmA of all thigh muscles, and MAC of 2 gluteal muscles and fatty degeneration of 2 mid-thigh muscles. There was no statistically significant difference in the size of the femoral muscle and the degree of fatty degeneration between the two fracture groups.