역모기지 실증분석의 경향성에 관한 연구

홍성현(Hong, Sung Hyun),홍희정(Hong, Hee Jeong) 한국주거환경학회 2020 주거환경(한국주거환경학회논문집) Vol.18 No.3

고령화 문제가 심각해짐에 따라, 고령자의 주거 및 생활 안정 등을 위하여 미국과 한국, 홍콩 등은 역모기지 제도를 도입하였다. 역모기지 제도가 점차 자리를 잡아감에 따라 관련 연구들도 많이 등장하였으며, 특히 최근에는 실제 가입자 데이터를 활용한 실증연구가 대세로 자리잡아가 가고 있다. 이에 본 연구는 그 동안 진행된 역모기지 실증연구의 경향성을 살피고, 기존 연구의 한계 및 개선 방안을 모색하고자 한다. 이를 위해 기존 실증연구 현황과 월지급금 산출을 위한 계리모형을 통해 역모기지 제도의 특성을 고찰하였다. 기존 연구를 분석한 결과 다음의 문제점을 확인할 수 있었다. 첫째, 역모기지 계리모형의 핵심인 월지급금의 경우 주택가격과 가입자 연령에 연동되어 산출됨에도 상호 독립적인 변수로 사용함으로써 내생성의 문제가 있었다. 둘째, 분석 시 사용한 데이터는 실제 오기, 중복 입력 등의 오류가 있었으나, 이를 제대로 정제하지 않았다. 셋째, 역모기지 가입자 데이터만을 사용함에 따라 표본선택편의 문제가 발생하였다. 따라서 이러한 문제들을 해결하기 위하여 역모기지 제도에 대한 정확한 이해가 선행되어야 하고, 부정확한 데이터를 걸러내어 연구결과의 정합성을 높여야 한다. 또한 전체 고령자 사회의 특성을 파악하기 위하여 표본선택편의 문제를 해결할 수 있는 다양한 방법론을 시도해야 할 것이다. As the aging problem became more serious, the United States, Korea, and Hong Kong introduced reverse mortgages to stabilize the housing and living conditions of the elderly. As the reverse mortgage system has gradually taken root, many related studies have emerged, especially recently, empirical research using actual subscriber data has become a major study. In response, this study seeks to examine the tendency of the inverted reverse mortgage base empirical research that has been conducted, and to explore the limitations of the existing research and ways to improve it. To this end, the characteristics of the reverse mortgage system were considered through the actuarial model for the calculation of monthly payments and the status of existing empirical research. An analysis of the existing study identified the following problems: First, for monthly payments, which are at the core of the reverse mortgage actuarial model, there was a problem with endogenesis by using them as mutually independent variables even though they were calculated in conjunction with housing prices and subscriber age. Second, the data used in the analysis had errors such as actual error and duplicate input, but they were not properly refined. Third, the use of only reverse mortgage subscriber data resulted in problems with sample selection bias. Therefore, an accurate understanding of the reverse mortgage scheme should be preceded to solve these problems, and the convergence of research results should be increased by filtering out inaccurate data. It will also be necessary to try various methodologies to solve sample selection bias problems in order to identify the characteristics of the entire aged society.

Oral Sulfate Tablet을 이용한 대장정결 후 발생한 저나트륨혈증에 의한 뇌전증 1예

홍성현 ( Sung Hyun Hong ),이동석 ( Dong Seok Lee ),김지원 ( Ji Won Kim ),이국래 ( Kook Lae Lee ),강현우 ( Hyoun Woo Kang ),김수환 ( Su Hwan Kim ) 대한소화기학회 2022 대한소화기학회지 Vol.80 No.3

The oral sulfate tablet (OST), commercially available as Orafang^® (Pharmbio Korea Co., Seoul, Korea) in Korea, is being used increasingly because of its bowel-cleansing efficacy, safety, and tolerability in adults undergoing colonoscopy. Other bowel cleansing agents, such as polyethylene glycol and sodium picosulfate/magnesium citrate, can cause plasma volume depletion and electrolyte disturbances, such as hyponatremia. On the other hand, the OST has never been reported to cause hyponatremia in Korea. To our knowledge, the authors experienced the first case of hyponatremic seizure in an 81-year-old woman to whom an OST was administered for bowel preparation before a colonoscopy. After ingesting the OST, she presented with seizure, confusion, and dyspnea. Upon arrival, her serum sodium level was 120 mEq/L, and the urine osmolality and sodium levels were 449 mOsm/kg and 253 mOsm/kg, respectively; chest imaging suggested pulmonary edema. The associated symptoms disappeared following treatment with an intravenous injection of normal saline and 3% NaCl to normalize the sodium level. This case shows that the OST can cause hyponatremia and other severe complications related to hyponatremia. (Korean J Gastroenterol 2022;80:154-157)

로터-동체 연계를 이용한 회전익기 허브 진동 하중 해석 연구

홍성현(Seong Hyun Hong),황현준(Hyun Jun Hwang),정성남(Sung Nam Jung),이예린(Ye Lin Lee),심창훈(Chang Hoon Sim),박재상(Jae Sang Park) 한국항공우주학회 2019 한국항공우주학회 학술발표회 논문집 Vol.2019 No.11

능동적 IBC 기법을 이용한 동축반전 로터의 진동 억제 연구

홍성현(Seong Hyun Hong),정성남(Sung Nam Jung),유영현(Young Hyun You),김도형(Do Hyung Kim) 한국항공우주학회 2018 한국항공우주학회 학술발표회 논문집 Vol.2018 No.11

하우스푸어 고령자의 역모기지 상품 선택 특성 분석 : 주택연금 사전가입 제도를 중심으로

홍성현(Sung-Hyun Hong),홍희정(Hee-Jeong Hong) 한국주택학회 2021 주택연구 Vol.29 No.2

정부는 하우스푸어 고령자 지원을 위해 한국형 공적 역모기지 제도인 주택연금의 가입조건을 일시적으로 완화한 사전가입 제도를 도입하였으나, 실적 미비 등으로 인해 한시 운영(2013년 6월~2014년 5월) 후 폐지되었다. 하지만 사전가입 제도는 하우스푸어 고령자가 현재 살고 있는 주택을 팔지 않더라도 과도한 채무 부담에서 벗어날 수 있도록 새로운 기회를 제공했다는 점에서 의미가 있다. 따라서 이 연구는 사전가입자와 일반가입자 간 비교ㆍ분석하여 하우스푸어 고령자의 역모기지 상품선택에 따른 특성 분석과 그 효과성 검증을 목적으로 한다. 이를 위해 한시 운영 기간 중 신규 가입한 고령자 중 연령, 주택가격, 선순위 대출 비중 등 제반 조건을 통제하여 선별한 사전가입 519건과 일반가입 875건에 대해 기초 통계 및 이항로짓 분석을 실시하였다. 먼저 연령과 주택가격, 선순위대출 비중에 대한 T-test 분석 결과, 양 집단은 서로 다른 집단임을 확인할 수 있었고, 양 집단에 대한 로짓 분석 결과, 월지급금, 연령, 주택가격, 선순위 대출 비중, 수도권 소재 여부가 통계적으로 유의미한 것으로 나타났다. 구체적으로 살펴보면, 통제 변수인 월지급금의 오즈비는 0.99로 일반가입자가 사전가입자보다 높았다. 그리고 가입자 평균 연령이 한 살 늘어날 때, 사전가입을 선택할 확률은 일반가입보다 1.4배 높았다. 선순위 대출 비중은 평균 1% 증가 시 사전가입 선택 비율이 659.6배로 증가하였고, 수도권 소재 비중은 1단위 올라갈 경우 사전가입 선택 확률이 2.3배 높았다. 주택가격 변수의 오즈비는 1로 영향이 적은 것처럼 보이지만 로그를 취한 후 다시 분석한 결과, 주택가격이 1% 변할 때 사전가입 선택 확률은 일반가입 보다 1,381.6배 높은 것으로 나타났다. 따라서 고령자 하우스푸어라는 외형에서는 동일하지만, 노후 생활비가 필요한 집단과 채무부담 완화가 더 필요한 집단으로 구분됨을 확인할 수 있었다. 또한 평균 연령이 낮고, 수도권에 거주할 가능성이 높은 사전가입자들은 기존 제도의 사각지대라는 점을 고려할 때, 이들 계층을 지원할 수 있도록 사전가입제의 재도입이 필요할 것으로 보인다. This study verified the characteristics and effectiveness of the Pre-JooTaekYeonKeum System, which was introduced to support house-poor seniors. For this purpose, between June 2013 and May 2014, data on Pre-JooTaekYeonKeum System joiners (519 cases) and JooTaekYeonKeum System joiners (875 cases) were derived by controlling their age and the housing prices and priority loan ratio conditions of the new JooTaekYeonKeum System joiners. These data were used to analyze basic statistics, differences between the groups pertaining to important variables, and the logit analysis results for effective verification. First, the t-test results for important variables such as the age (t value: 5.46), housing price (t value: –3.22), and priority loan ratio (t value: –25.04) showed statistically significant differences. Moreover, the logit analysis of the Pre-JooTaekYeonKeum System joiners and the JooTaekYeonKeum System joiners yielded odds ratios of 0.99 for monthly payments, 1.40 for age, 1.00 for housing prices, 659.60 for the priority loan ratio, and 2.33 for location in a metropolitan area. These figures show that the two groups need separate policies because the Pre-JooTaekYeonKeum System joiners and the JooTaekYeonKeum System joiners are similar in appearance, but the Pre-JooTaekYeonKeum System joiners need a lump sum and the JooTaekYeonKeum System joiners need regular funds for living expenses. In particular, the reintroduction of the Pre-JooTaekYeonKeum System for house-poor seniors, whose average age is low and who are likely to reside in a metropolitan area, is expected to be necessary.

동체 효과를 고려한 HCUR 동축반전 로터의 허브 진동 하중 해석 연구

홍성현(Seong Hyun Hong),배재성(Jae Seong Bae),황현준(Hyun Jun Hwang),정성남(Sung Nam Jung),홍성부(Sung Boo Hong),이예린(Ye Lin Lee),박재상(Jae Sang Park) 한국항공우주학회 2020 한국항공우주학회 학술발표회 논문집 Vol.2020 No.7

Study on the change of the properties of drilling mud by the distribution of nano bentonite particles

Sung Hyun Hong(홍성현),Soo Young Kim(김수영) 대한기계학회 2023 대한기계학회 춘추학술대회 Vol.2023 No.7

조혈전구세포의 시험관 증식 및 분화에 대한 HoxB4와 STAT3의 상호조절 연구

홍성현 ( Sung Hyun Hong ),양승집 ( Seung Jip Yang ),김진아 ( Jin A Kim ),오일환 ( Il Hoan Oh ) 한국조직공학·재생의학회 2007 조직공학과 재생의학 Vol.4 No.2

Self-renewal of hematopoietic stem cells(HSC) is a major mechanism for regeneration of blood tissues from HSCs. Previous studies have identified HoxB4 and STAT3 as an important molecular mechanisms regulating HSC self-renewal, but potential interaction of the two remains unknown. To address the issue, transgenic mice for constitutively activated STAT3(STAT3-C) was examined for HoxB4 expression, but no difference in the HoxB4 expression level was seen compared to the control mice. On the contrary, when HoxB4 was co-transduced with dominant negative(dnSTAT3), the enhancing effect of HoxB4 on the proliferation of 5-FU stimulated bone marrow cells were significantly decreased as compared to the HoxB4 alone group. Similarly, the effect of HoxB4 on the maintenance of undifferentiated state as determined by lineage marker was significantly deteriorated by co-expression of dnSTAT3. Taken together, these results suggest that STAT3 activity could be a down-stream of HoxB4, being required for HoxB4-mediated enhancing effects on in vitro cultured hematopoietic precursor cells.

Nano-bentonite for drilling mud synthesized by ultrasonication

Sung Hyun Hong(홍성현),Soo Young Kim(김수영) 대한기계학회 2021 대한기계학회 춘추학술대회 Vol.2021 No.5

한국 성인의 악력과 당뇨병 유병률의 연관성: 국민건강영양조사 2014-2018

홍성현 ( Sung-hyun Hong ),변지용 ( Ji-yong Byeon ),민지희 ( Ji-hee Min ),박동혁 ( Dong-hyuk Park ),조원희 ( Won-hee Cho ),전용관 ( Justin Y. Jeon ) 한국운동생리학회(구 한국운동과학회) 2021 운동과학 Vol.30 No.1

PURPOSE: The study aimed to examine whether handgrip strength (HGS) expressed as absolute or relative to body weight is associated with fasting glucose (FG), hemoglobin A1c (HbA1c) and the prevalence of diabetes mellitus (DM) in different age categories. METHODS: A total of 28,129 adults from the Korea National Health and Nutrition Examination Survey of 2014-2018 was analyzed. To examine the relationship between HGS and variables related to DM, participants were categorized into three groups according to their HGS (Tertile). Then, participants were further categorized into six groups according to their age. One-way ANOVA and logistic regression analyses were performed. RESULTS: Compared with participants in the upper tertile of absolute handgrip strength (AHGS), those in the lower tertile were older, shorter and heavier and also had higher FG and HbA1c. When age was adjusted, the prevalence of DM was 1.19 times (95% CI: 1.03- 1.38) higher among men in the lowest tertile of AHGS. On the other hand, compared with participants in the highest tertile of relative handgrip strength (RHGS), those in the lowest tertile had 2.10 times (95% CI: 1.87-2.41) and 2.42 times (95% CI: 2.08-2.81) higher prevalence of DM in men and women, respectively. When the associations were examined according to age subcategories, significant associations between AHGS and the prevalence of DM were seen only in men in their 50s and 60s, but not seen in women in all age groups, with the exception of the 60s. However, significant associations between RHGS and the prevalence of DM were seen in all age subcategories. CONCLUSIONS: We concluded that the association between HGS and the prevalence of DM was dependent on age and RHGS is a stonger measure than AHGS.