외환위기 이후 은행대출행태에 관한 연구 : 신용경색과 도덕적 해이현상을 중심으로 Credit Crunch v.s. Moral Hazard

장웅수 한국금융연구원 2003 금융연구 Vol.17 No.2

본 연구에서는 외환위기 이후 은행의 패널자료를 이용하여 차입자의 신용위험, 은행의 재무건전성 악화 및 차입자의 신용위험과 은행의 재무건전성 악화의 상호작용 등이 기업대출형태에 미친 영향을 실증 분석함으로써 신용경색현상과 도덕적 해이현상이 존재하는지 여부를 규명하였다. 실증분석 결과, 은행의 재무건전성 악화가 기업대출비중과 부의 관계를 나타내 공급 측면에서 신용경색현상이 존재하였음을 보여주었다. 특히 자산규모가 상대적으로 작은 소형은행, 자기자본비율이 상대적으로 낮은 은행그룹 및 지방은행들이 재무건전성 악화에 따라 대출비중이 축소되는 신용경색은 상대적으로 다소 심화된 것으로 나타났다. 그러나 은행의 채무건전성 악화상황에서 신용위험을 취해 대출을 확대하는 도덕적 해이현상은 존재하지 않은 것으로 나타났다. 자산규모가 상대적으로 작은 소형은행, 자기자본비율이 상대적으로 낮은 은행그룹 및 지방은행에 있어서도 도덕적 해이현상이 존재하지 않은 것으로 보인다. 결국 외환위기 이후 은행이 신용위험을 중시하고 금융감독당국이 건전성 규제를 강화함에 따라 공급 측면에서의 신용경색현상은 존재하였으나 도덕적 해이현상은 존재했다고 보기 어려운 것으로 나타났다. This paper analyzes the effects on bank lending behavior of borrowers' credit risk, bank financial unsoundness, and the interaction between bank financial unsoundness and borrowers credit risk in order to ascertain whether there was a credit crunch in Korea during the 1997 currency crisis and the extent of moral hazard during that period. The coefficients of regression of bank financial unsoundness on bank lending using bank panel data are negative and statistically significant. This implies that as bank financial soundness deteriorates, the bank's loan ratio decreases, giving rise to a credit crunch on the supply side. The credit crunch is found to be more pronounced among small, less financially sound banks and regional banks. Interestingly, the coefficient for the interaction between bank financial unsoundness and borrowers credit risk in regression is found to be statistically insignificant. This result does not support the existence of moral hazard among the small, less financially sound banks, or regional banks. Overall, the empirical results suggest the existence of a credit crunch on the supply side, but not moral hazard. This is due to the banks risk management and financial supervisors' prudential regulation.

물질남용 치료프로그램 후 재범여부에 대한 예비적 추적조사 연구

김현수,조선미,오은영,임기영,정영기,윤웅장,이영미 大韓神經精神醫學會 1999 신경정신의학 Vol.38 No.6

연구목적: 본 연구는 물질사범에게 시행되는 수강명령 프로그램의 효과를 재범률을 중심으로 살펴보고자 한 것이다. 방 법: 이 연구의 대상집단은 보호관찰소에서 의뢰받은 물질남용자집단이다. 이들은 법원으로부터 보호관찰, 수강명령, 치료명령, 사회봉사 등을 부과받았다. 총 104명의 대상자집단을 치료프로그램을 이수한 수강군과 비수강군으로 나누었으며 이들에 대한 재범률을 조사하였다. 결 과: 프로그램을 이수한 수강군이 비수강군에 비해 재범률이 낮았다(p<.05). 또한 단기 수강군과 장기수강군의 재범률의 차이를 조사하였는데 대상자 집단의 수가 적기 때문에 장기 수강군의 효과가 통계적으로 입증되지는 않았다. 결 론: 우리는 물질남용자에 대한 정책이 보다 교육적으로 변화할 것을 본 논문을 통하여 제시하려 하였으며 정부 및 법무부는 물질남용자에게 교육과 치료를 제공해주어야만 한다. Objectives: Using recidivism rate, we investigated the outcome after our substance abuse treatment program had been implemented. Methods: Our target population was substance abuse criminals referred by probational office. They either received the parole and probation order, treatment order or social service order from the court. We divided 104 substance abuse criminals into treatment group and non-treatment group. We examined their recidivism rate. Results: We reached a conclusion that treatment group had lower recidivism rate than non-treatment group(p<.0.5). We examined the effectiveness of short-term and long-term programs. However, no effectivess of long-term program was found because the sabject number was too small. Conclusion: We suggest that the strategies for substance abuse should be changed to more educative ones. The Government and Ministry of Justice must provide education and treatment to the substance abuse criminals.

여드름양 발진에서의 말라쎄지아 포자 검출 빈도에 관한 연구

박장규,이웅재,김연수,서영준,김경호,이증훈 충남대학교 의과대학 지역사회의학연구소 1998 충남의대잡지 Vol.25 No.2

Steroid acne and pityrosporum folliculitis have similar clinical manifestations. So it was not casy to do differential diagnosis of these two diseases. We have tried to find out the different points between these diseases in clinical characteristics, positive rate of the malassezia spores, and their response to antifungal agents. We studied 21 patients with acneiform eruptions which were distinct from acne vulgaris. Patients were divided into two groups by steroid treatment history. Among 21 patients, 6 were administered steroid just before eruption and 15 were free from steroid within 6 months. We have examined malassezia spores with 10% KOH/Parker blue black ink mount from papules, pustules and comedones according to the patients skin lesions. The malassezia spores detected in 5 paticnts(83.3%) in the former and 9 patients(60%) in the latter. In malassezia folliculitis, the frequency of which showed above the (3+) score of malassezia spore under microscopy was higher than in steroid acne. Mean duration of the disease was 70.4 weeks in latter group, which was longer than 5.2 weeks of the former group. And there were some differences between two groups in the distribution of the lesions. Mean treatment duration was same in two groups (4 wks, 3.5 wks). Steroid acne patients would be treated better with antifungal agents than with acne regimens.

Comparison of the Effectiveness of Three Lumbosacral Orthoses on Early Spine Surgery Patients: A Prospective Cohort Study

Soo Woong Jang,Hee Seung Yang,Young Bae Kim,Joo Chul Yang,Kyu Bok Kang,Tae Wan Kim,Kwan Ho Park,Kyung Soo Jeon,Hee Dong Shin,Ye Eun Kim,Han Na Cho,Yun Kyung Lee,Young Lee,Seul Bin Na Lee,Dong Young Ah 대한재활의학회 2021 Annals of Rehabilitation Medicine Vol.45 No.1

Objective To compare the convenience and effectiveness of the existing lumbosacral orthoses (LSO) (classic LSO and Cybertech) and a newly developed LSO (V-LSO) by analyzing postoperative data. Methods This prospective cohort study was performed from May 2019 to November 2019 and enrolled and analyzed 88 patients with degenerative lumbar spine disease scheduled for elective lumbar surgery. Three types of LSO that were provided according to the time of patient registration were applied for 6 weeks. Patients were randomized into the classic LSO group (n=31), Cybertech group (n=26), and V-LSO group (n=31). All patients were assessed using the Oswestry Disability Index (ODI) preoperatively and underwent plain lumbar radiography (anteroposterior and lateral views) 10 days postoperatively. Lumbar lordosis (LS angle) and frontal imbalance were measured with and without LSO. At the sixth postoperative week, a follow-up assessment with the ODI and orthosis questionnaire was conducted. Results No significant differences were found among the three groups in terms of the LS angle, frontal imbalance, ODI, and orthosis questionnaire results. When the change in the LS angle and frontal imbalance toward the reference value was defined as a positive change with and without LSO, the rate of positive change was significantly different in the V-LSO group (LS angle: 41.94% vs. 61.54% vs. 83.87%; p=0.003). Conclusion The newly developed LSO showed no difference regarding its effectiveness and compliance when compared with the existing LSO, but it was more effective in correcting lumbar lordosis.

Pharmacokinetic properties of trifolirhizin, (–)-maackiain, (–)-sophoranone and 2-(2,4-dihydroxyphenyl)-5,6-methylenedioxybenzofuran after intravenous and oral administration of<i>Sophora tonkinensis</i>extract in rats

Jang, Soo Min,Bae, Soo Hyeon,Choi, Woong-Kee,Park, Jung Bae,Kim, Doyun,Min, Jee Sun,Yoo, Hunseung,Kang, Minseok,Ryu, Keun Ho,Bae, Soo Kyung Informa UK (Informa Healthcare) 2015 Xenobiotica Vol.45 No.12

Nutritional Status and Body Composition in Korean Myopathy Patients

( Soo Yun Jang ),( Seong Woong Kang ),( Won Ah Choi ),( Jang Woo Lee ),( Mi Ri Suh ),( Song Mi Lee ),( Yoo Kyoung Park ) 한국임상영양학회 2016 Clinical Nutrition Research Vol.5 No.1

In myopathy patients, fat mass increases as the disease progresses, while lean body mass decreases. The present study aimed to investigate the overall nutritional status of Korean myopathy patients through surveys of diet and dietary habits, bioelectrical impedance analysis (BIA), and biochemistry tests, as well as the examination of related factors, for the purpose of using such findings as a basis for improving the nutritional status in myopathy patients. The energy intake of all participants was found to be insufficient at only 44.5% of Dietary Reference Intakes for Koreans 2010 (KDRIs 2010), whereas protein intake was sufficient at 89.8% of KDRIs 2010. Dietary fiber intake was found to be 58.4% of sufficient dietary fiber intake for adults according to KDRIs 2010. Calcium intake was found to be 55.0% and magnesium was 14.9% of the recommended calcium and magnesium intake for adults according to KDRIs 2010. With respect to quality of life (QOL), overall increase in QOL domain score showed significant positive correlations with vegetable fat intake (p < 0.05), vegetable protein intake (p< 0.05), and dietary fiber intake (p < 0.05). With respect to BIA, the mean phage angle of all participants was found to be 2.49 ± 0.93°, which was below the cutoff value. As a study that examined nutrient analysis and dietary habits of myopathy patients in Korea, the present study is meaningful in providing the basic data for future studies that aim to present dietary guidelines for patients suffering from myopathy.

A genome-wide association study on thyroid function and anti-thyroid peroxidase antibodies in Koreans

Kwak, Soo Heon,Park, Young Joo,Go, Min Jin,Lee, Kyu Eun,Kim, Su-jin,Choi, Hoon Sung,Kim, Tae Hyuk,Choi, Sung Hee,Lim, Soo,Kim, Ki Woong,Park, Do Joon,Kim, Sung Soo,Lee, Jong-Young,Park, Kyong Soo,Jang IRL Press 2014 Human molecular genetics Vol.23 No.16

<P>Genetic factors are thought to be an important determinant of thyroid function and autoimmunity. However, there are limited data on genetic variants in Asians. In this study, we performed a genome-wide association study on plasma thyroid-stimulating hormone (TSH) and free thyroxine (fT<SUB>4</SUB>) concentration and anti-thyroid peroxidase (anti-TPO) antibody positivity in 4238 Korean subjects. In the Stage 1 genome scan, 3396 participants from the Ansung cohort were investigated using 1.42 million genotyped or imputed markers. In the Stage 2 follow-up, 10 markers were genotyped in 842 participants from the Korean Longitudinal Study on Health and Aging cohort. An intronic variant in <I>VAV3,</I> rs12126655, which has been reported in Europeans, was significantly associated with plasma TSH concentration in the joint Stages 1 and 2 analyses (<I>P</I> = 2.2 × 10<SUP>−8</SUP>). We observed that a novel variant, rs2071403, located 75 bp proximal to the translational start site of <I>TPO</I> was significantly associated with plasma anti-TPO antibody positivity in the joint Stages 1 and 2 analyses (<I>P</I> = 1.3 × 10<SUP>−10</SUP>). This variant had a marginal sex-specific effect, and its association was more significant in females. Subjects possessing the rs2071403A allele, associated with an absence of the anti-TPO antibody, had decreased TPO mRNA expression in their thyroid tissue. Another intronic variant of <I>HLA-DPB2</I>, rs733208, had a suggestive association with anti-TPO antibody positivity (<I>P</I> = 4.2 × 10<SUP>−7</SUP>). In conclusion, we have identified genetic variants that are strongly associated with TSH level and anti-TPO antibody positivity in Koreans. Further replications and meta-analysis are required to confirm these findings.</P>

고추 유전자원의 카로티노이드 조성 및 ASTA color 지수 분석

윤장언(Jang-Eon Yoon),김정봉(Jung-Bong Kim),김헌웅(Heon-Woong Kim),장길수(Kil-Soo Jang),고호철(Ho-Cheol Ko),장환희Hwan-Hee Jang,이성현Sung-hyen Lee,황유진(Yu-Jin Hwang) 한국육종학회 2015 한국육종학회지 Vol.47 No.3

Peppers (Capsicum annum L.) were harvested from 523 different genotypes cultivated at the Pepper Experiment Station in Gyeongsangbuk-do Agricultural Technology Administration of Yeongyang in the northeast region of Korea. The investigation of pepper with high carotenoids contents was quantitatively and qualitatively analysed by HPLC. The individual carotenoids were separated as capsanthin, lutein, zeaxanthin, β-cryptoxanthin, α-carotene and β-carotene by reverse-phase HPLC and identified with their external standards. The levels of total carotenoids and ASTA color values in 523 peppers were 0.5-84.8mg/100g of dry weight (DW) and 0.7-233.1, respectively. Individual carotenoid content and percentage of total carotenoid content were shown as follows: β-carotene (24.8%) (average 5.0 mg/100g DW) 〉 capsanthin (24.7%) (average 5.0 mg/100g DW) 〉 zeaxanthin (20.4%) (average 4.1 mg/100g DW) 〉 β-cryptoxanthin (14.8%) (average 3.0 mg/100g DW) 〉 lutein (13.3%) (average 2.7 mg/100g DW) 〉 α-carotene (2.0%) (average 0.4 mg/100g DW). As a result of plotting by using SIMCA, ASTA color values showed that the cluster is created.

Vitamin D inadequacy is associated with significant coronary artery stenosis in a community-based elderly cohort: the Korean Longitudinal Study on Health and Aging.

Lim, Soo,Shin, Hayley,Kim, Min Ju,Ahn, Hwa Young,Kang, Seon Mee,Yoon, Ji Won,Choi, Sung Hee,Kim, Ki Woong,Song, Jung Han,Choi, Sang Il,Chun, Eun Ju,Shin, Chan Soo,Park, Kyong Soo,Jang, Hak Chul Issued for the Endocrine Society by the Williams W 2012 The Journal of clinical endocrinology & metabolism Vol.97 No.1

<P>Recent studies suggest an association between vitamin D activity and cardiometabolic risk.</P>

관리기 운전의 안전성 향상을 위한 조작레버 개발

김병수 ( Byeong-soo Kim ),박기정 ( Ki-jung Park ),배건표 ( Gun-pyo Bae ),장주웅 ( Jang-joo Woong ),송문환 ( Moon-hwan Song ),채중수 ( Joong-soo Chae ),태현수 ( Hyun-soo Tae ),하유신 ( Yu Shin Ha ) 한국농업기계학회 2016 한국농업기계학회 학술발표논문집 Vol.21 No.2

밭농업에서 관리기는 경운, 정지, 중경제초, 구굴, 휴립, 비닐피복 등 여러 가지 작업을 두루 이용할 수 있도록 만들어진 농기계이며 농가마다 가장 많이 보유하고 있는 기종이기도 하다. 관리기의 운전방법은 시동을 건 뒤 주클러치 레버를 앞으로 밀어 고정시키면 관리기기 앞으로 움직이게되는데 주클러치 레버를 작동시키려면 오른손을 핸들에서 뗀 상태로 레버를 조작해야 하는데 이 상태에서 관리기가 갑자기 앞으로 나갈 경우 왼손의 힘으로만 관리기의 균형을 유지하고 있기 때문에 작업자가 갑자기 균형을 잃을 수 있어 안전사고에 많이 노출이 되었다. 따라서 본 연구는 이러한 관리기 운전시 문제되고 있는 급출발로 인한 피해를 줄이기 위해 변속레버를 개선 설계하여 안전사고를 줄일 수 있고 조작력을 줄여 편이성을 향상시키는 것을 목적으로 하였다. 조작레버를 개선할 관리기 모델로는 아세아텍(AMC-880) 기종을 사용하였고 변속레버의 몸체로 사용할 봉은 대표적인 일반구조용 압연강재인 SS400 제품(허용인장응력은 100 N/㎟, 인장강도 400 N/㎟, 최대순간허용하중 337.76 kg)을 사용하였다. 관리기 조작에 이용되는 기계식 막대형 제어 레버의 경우 지렛대와 같이 고정축을 중심으로 작업자의 손으로 잡고, 밀거나 당기는 동작이 필요로 하는 조작력이 55N 이내이어야 하므로 허용범위에 들 수 있도록 설계하였다. 기존의 레버는 기어를 앞으로미는 방향으로 작동하는 방식이었다면 본 연구에서 설계한 레버는 기어를 뒤쪽으로 당기는 방향으로 반대로 설계하여 조작력이 적으면서 사용자가 편리하고 안전하게 작동을 할 수 있도록 설계하였다. 또한 기존 레버는 기어를 넣은 후 손을 놓아야 했지만 본 연구에서 설계한 랜딩기어 레버는 기어 작동 후 손을 계속 잡고 지지대 역할을 같이 할 수 있도록 하여 관리기가 바로 출발하더라도 사용자가 불안함을 덜 느끼면서 안전하도록 설계되었다. 주클러치 레버 형태를 바꾸어 관리기 핸들바부분에 장착시켜 오른손으로 레버 부분을 작동시킴과 동시에 핸들바부분을 움켜쥘 수 있어 안전성을 높일 수 있도록 하였다. 향후 설계 제작된 관리기의 조작레버를 밭농업 포장에서 작동과 주행 실험을 통하여 수정 보완할 예정이다.