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Byungkyu Kim,Changwhan Yeo,Deokho Cho 한국지역개발학회 2010 한국지역개발학회 학술대회 Vol.2010 No.6
This study aims to launch farmland reverse mortgage for the welfare of the elderly in rural area by liquidating the farmland which produces little product or left uncultivated due to the labor shortage though the farmland value is relatively high for the first time around the world. We build the actuarial model based on Housing Equity Conversion Mortgage (HECM) model suggested by Rodda et al(2000;2003). Basic factors such as interest rates and farmland value rising rates, which are applied to the actuarial model for estimating a constant monthly payment that the borrowers can gain under the condition that Present Value of Estimated Loss(PVEL) is equal to Present Value of Mortgage Insurance Premium(PVMIP), are elaborated with historical data. Based on the established model, monthly payment is calculated according to the borrower's age and her farmland value using trial and error method. Then risk that the lender bears depending on the fluctuation 01 interest rates is predicted. We provide one more policy option for the elderly in rural area that covers the deficiency which is not fulfilled by existing national pension services, basic old age pension, and other government welfare policies by suggesting the initiation of FRM.
Byungkyu Kim,Changwhan Yeo,Deokho Cho 한국지역개발학회 2010 한국지역개발학회 세미나 논문집 Vol.2010 No.2
This study aims to launch farmland reverse mortgage for the welfare of the elderly in rural area by liquidating the farmland which produces little product or left uncultivated due to the labor shortage though the farmland value is relatively high for the first time around the world. We build the actuarial model based on Housing Equity Conversion Mortgage(HECM) model suggested by Rodda et al(2000;2003). Basic factors such as interest rates and farmland value rising rates, which are applied to the actuarial model for estimating a constant monthly payment that the borrowers can gain under the condition that Present Value of Estimated Loss(PVEL) is equal to Present Value of Mortgage Insurance Premium(PVMIP), are elaborated with historical data. Based on the established model, monthly payment is calculated according to the borrower’s age and her farmland value using trial and error method. Then risk that the lender bears depending on the fluctuation of interest rates is predicted. We provide one more policy option for the elderly in rural area that covers the deficiency which is not fulfilled by existing national pension services, basic old age pension, and other government welfare policies by suggesting the initiation of FRM.
자전연소합성법에 의한 ZrB<sub>2</sub> 세라믹분말합성 및 NaCl의 영향
김진성,원창환,Kim, Jinsung,Nersisyan, Hayk,Won, Changwhan 한국재료학회 2014 한국재료학회지 Vol.24 No.5
Zirconium boride is an artificial or which is rarely found in the nature. $ZrB_2$ is popular in the hard material industry because it has a high melting point, excellent mechanical properties and chemical stability. There are two known methods to synthesize $ZrB_2$. The first involves direct reaction between Zr and B, and the second is by reduction of the metal halogen. However, these two methods are known to be unsuitable for mass production. SHS(Self-propagating High-temperature Synthesis) is an efficient and economic method for synthesizing hard materials because it uses exothermic reactions. In this study, $ZrB_2$ was successfully synthesized by subjecting $ZrO_2$, Mg and $B_2O_3$ to SHS. Because of the high combustion temperature and rapid combustion, in conjunction with the stoichiometric ratio of $ZrO_2$, Mg and $B_2O_3$; single phase $ZrB_2$ was not synthesized. In order to solve the temperature problem, Mg and NaCl additives were investigated as diluents. From the experiments it was found that both diluents effectively stabilized the reaction and combustion regime. The final product, made under optimum conditions, was single-phase $ZrB_2$ of $0.1-0.9{\mu}m$ particle size.