은행 재량적 대손충당금 전입의 동태적 요인 분석

강승수,유재인 재단법인 경기연구원 2022 GRI 연구논총 Vol.24 No.3

In this study, we estimate discretionary loan-loss provisions by excluding the part explained by bad loan of banks and analyze how the discretionary loan-loss provisions are dynamically related to other variables of bank-management and macroeconomic indicators. We use the panel Vector Autoregressive (panel VAR) model by using 11 commercial banks’ quarterly data from the first quarter of 2007 to the third quarter of 2020. According to our empirical analysis, discretionary loan-loss provisions showed their strong autocorrelation with data 1-quarter ago. The provisions are positively correlated with non profit loan, and negatively related with the BIS-based equity reserves. The results from this dynamical system confirmed the relationship between discretionary loan-loss provisions, bank management and macroeconomic indicators, suggesting supervisory guidelines of banking industiries, which have focused on the expected degree of default for controlling the provisions. This study contributes to developing the relevant methodology in empirical analysis on accounting variables by suggesting panel VAR model in dealing with endogenous variables that are also dynamically related. 본 연구에서는 패널 벡터자기상관(Panel Vector Autoregression, PVAR)모형 기반 은행의 재량적 대손충당금, 은행 경영지표 및 거시경제지표 간 동태적 관계를 분석하고 그 요인을 고찰하였다. 2007년도 1분기부터 2020년도 3분기까지 총11개의 국내 시중 은행의 분기 별 회계 자료를 활용하여 대손충당금 계정 중 대출 부실 기여도를 제외한 재량적 대손충당금 전입액을 추정하였다. 실증 분석 결과 재량적 대손충당금은 한 시점 이전의 자신과 음의 상관관계를 보이며 일정적인 적립 추세를 유지하려는 경향을 확인하였다. 나아가 재량적 대손충당금은 고정 이하 여신 비율과는 양의 상관관계를, BIS기준 자기 자본 적립률과는 음의 상관관계를 보여 국내 평균적인 은행 경영에서 재량적 대손충당금이 은행 대출 부실에 선제적으로 대비하는데 활용되고 있음을 확인하였다. VAR모형으로 재량적 대손충당금의 동태적 요인을 분석하기전에, 벡터오차수정모형(Vector Error Correction Model)을 이용하여 은행 산업 전반의 재량적 대손충당금에 대한 거시적인 추세에 대하여도 고찰해 보았다. 또한 추가로 타 모형과의 비교를 통해 VAR모형 사용의 당위성과 모형 강건성을 확인하였다. 재량적 대손충당금과 은행 경영지표, 거시 경제적 지표와의 동태적 관련성에 따르면, 채권의 예상 부실 정도에따라 은행 경영을 감독하는 기계적 접근보다는 경제적 충격을 반영한 적정 대손충당금 관리·감독의 필요성을 시사한다.

클라우드 시스템의 씬 클라이언트에서의 표시 지연 절감

강승수,고현,윤희용,Kang, Seung Soo,Ko, Hyun,Yoon, Hee Yong 한국정보처리학회 2013 정보처리학회논문지. 컴퓨터 및 통신시스템 Vol.2 No.4

클라우드 시스템을 이용하여 스트리밍 게임 서비스를 제공하는 것은 많은 유리한 점이 있지만, 씬 클라이언트에서 표시 지연(Presentation latency)이 발생한다는 문제점도 갖고 있다. 게임은 사용자의 입력에 즉각적으로 반응해야 하는 특성을 갖는 서비스이므로 씬 클라이언트에서의 표시 지연은 다른 이슈에 비해 중요한 문제이다. 본 연구에서는 서버와 씬 클라이언트 사이에서의 표시 지연을 감소시키는 방법을 제안한다. 이를 위해, 서버 단에서는 서버와 씬 클라이언트의 영상포맷 일치화, 미디어 타입에 따른 인코딩 포맷 변경, 동기화를 위해 주기적으로 클럭을 전송하도록 하는 것을 해결 방안으로 제안한다. 그리고 씬 클라이언트 단에서는 패킷화 과정에서 명령어 수 절감, 암호화 과정에서 가벼운 알고리즘 사용, 압축해제 과정에서 하드웨어 디코딩 개선을 해결 방안으로 제안한다. 이를 실제 상용화 수준까지 개발된 게임 서비스 시스템에 적용하여 검증 하였는데, 수백 ms 정도의 상당한 표시 지연 감소를 통해 허용 가능한 수준인 100ms까지 표시 지연 감소가 가능함을 확인하였다. Cloud-based streaming game service has numerous merits, but it may suffer from presentation latency in a thin-client. It is an important issue especially for game service which needs instantaneous response to user inputs. This research proposes the methods for reducing the presentation latency between the server unit and the thin-client unit. The approaches proposed to be employed with server unit include the source/sync video format equalization, encoding format configuration according to the media type, and the S/W implementation for transmitting clock periodically. The methods for the thin-client unit include the decreasing the number of instructions, use of light encryption algorithm, and improvement on H/W decoding. The proposed schemes are tested with a commercialized streaming service platform, which reveals the reduction of presentation latency as large as a few hundred milliseconds and reaches the acceptable level (about 100 milliseconds).

요가 요통체조와 요부 신전근 지구력 운동이 만성요통 환자의 통증에 미치는 영향

강승수,구봉오,Kang, Seung-Soo,Goo, Bong-Oh 대한물리치료학회 2012 대한물리치료학회지 Vol.24 No.2

Purpose: In the present study, the degree of subjective pain in chronic low back pain patients through the course of six week of yoga low back pain exercise and lumbar extensor muscle strengthening training was analyzed, and a systematic and effective home exercise therapy program was proposed. Methods: For this study, we sampled 21 random patients with chronic low back pain who were receiving outpatient treatment at G Hospital Pusan, and conducted experiment for six weeks by applying yoga low back pain exercise+modalities (7) lumbar extensor muscle endurance exercise+ modalities (7) and modalities (7). To measure the degree of pain, the visual analogue scale (VAS) and Oswestry Low Back Pain Questionnaire were used. Pain was measured before the experiment and after six weeks. Results: Significant differences were observed between yoga, extensor muscle endurance exercise and modalities (VAS=0.00 Oswestry=0.00). The yoga and extensor endurance muscle exercise reduced low back pain by more than the modalities. Conclusion: This study will be used to develop a preventive and reduction method of LBP. Therefore, Yoga and extensor muscle endurance exercise are appropriate for use as a home program exercise to reduce low back pain in patients.

고층아파트단지 배치계획에 따른 부대시설 이용실태에 관한 연구

강승수,박춘근 대한건축학회 1998 대한건축학회 학술발표대회 논문집 - 계획계/구조계 Vol.18 No.2

한국의 차생활 공간에 관한 연구

강승수,신상화,박찬돈 한국주거환경학회 2012 주거환경(한국주거환경학회논문집) Vol.10 No.3

The main purpose of this study is to clarify the characteristics of the space for tea in Korea. According to the documents, Korea’s tea culture has been existed since 7th century, and continued constantly by intellectuals. However, independent spaces for tea was first appeared in the beginning of 19th century. Unlike Japanese tea room where combined standardized space with interior elements, the space for tea was usually composed in personal house, Buddhist temple, hermitage, lecture hall, Confucian temple and other various places. It is modern days that tea room built in private spaces. As Yakyong-Jung, ChoEui's and Beomsool-Choi who have magnificent effect on Korea’s tea culture show, the Korea’s tea rooms were serve as not only a space for living and education, but also a space for self-discipline. For instance, Yakyong-Jung enjoyed his tea life in a space for education and living which was not built for tea life. This example clearly indicates that the tea life of Koreans were not separated from the daily life. In other words, the tea room in Korea has various functions. Iljiam was composed with one room of very small space which is very plain and simple. Placing Ja woo hong lyun Buddhist temple and a pond near the tea room also enable people to enjoy the nature. Beomsool-Choi’s tea space has a great impact on modern tea-life. The tea space is act as not only a space for enjoying tea, but also a space for various social contracts and activities. As seen above, the tea room in korea was serve as a space where people can be with the nature, discipline themselves, and join social activities. To put it another way, the tea room is a space that reflects the human desire to be with nature and to pursue integral society. In this study, it specified the space for tea and tea culture. It is necessary and required to study more deeply. Also, it is further required to study on interior of korean style tea room.

공업표준화의 시책방향-과학기술발전 성과의 구체화

강승수,Gang, Seung-Su 한국과학기술단체총연합회 1986 과학과 기술 Vol.19 No.3

모바일 장치와 공용 디스플레이 장치를 포함하는 환경에서 사용자의 특성에 기반한 Adaptive UI 설계 방안

강승수(Seung-Soo Kang),고현(Hyun Ko),윤희용(Hee Yong Youn) 한국IT서비스학회 2012 한국IT서비스학회지 Vol.11 No.4

The one of the most meaningful change in the recent ubiquitous environment is the omnipresence of public digital display device for providing ubiquitous information. It is the important issue to provide publicity as well as adaptive information to each user in the field of the public digital display device. This research proposes the idea ensuring fast response speed by the selection of user preference function. The preference function is selected by statistics using Zipf distribution in the system comprising mobile device and digital display device based on NFC (Near Field Communication). The idea is proved by CPM-GOMS model and the improvement of user response can be achieved.

혁신도시가 기존도시의 도시공간구조에 미친 영향 연구

강승수(Kang, Seung Su),서유석(Seo, You Seok) 한국주거환경학회 2016 주거환경(한국주거환경학회논문집) Vol.14 No.4

Innovation City was Urban Development Method of New Concept and developed leading by Korean Government. It"s main purpose was to solve the overpopulated problems in Korean capital area, to upgrade national competitive power and achieve balanced development between regions in Korea. As Innovation City"s plan and site development made by politic needs was constructed in short time, it has been developing without adequate considering of regional development demand and characteristics, even more harmony and relationship with existing urban spatial structure. Accordingly, it was resulted in serious urban problem like as population emptiness and deterioration in existing downtown. Gyeongnam Innovation City is the biggest urban development project in respect of it"s scale and urban function, residential environment etc. in Jinju, and guess to affect seriously existing downtown as it"s construction proceeds. Therefore, this study aims to analyse effects of existing urban spatial structure in the course of development of Gyeongnam Innovation City, and to classify positive and negative factors affecting existing downtown of it, finally, to be harmony construction between existing downtown and Gyeongnam Innovation City. As a result of this study, development of Gyeongnam Innovation City was affected negatively to existing downtown in Jinju, especially, commercial and residential area. Real estate price has been declining in commercial area and emptiness in residential area was occurred in existing downtown. This is serious problem in considering that Gyeongnam Innovation City is not developed completely.

환경에 따른 과제 지향적 일상생활동작 훈련이 만성 뇌졸중 환자의 일상생활에 미치는 영향

강승수 ( Seung Soo Kang ),구봉오 ( Bong Oh Goo ) 대한물리의학회 2013 대한물리의학회지 Vol.8 No.2

The purpose of this study was to investigate the effects of task oriented ADL exercise in different environments in patients with chronic stroke. Methods: A total of 28 patients with hemiplegia resulting from stroke were included in this study. The patients were randomized into two groups. The control group(n=14) was received neurodevelopment therapy + task oriented ADL exercise and experimental group(n=14) was received neurodevelopment therapy + home based task oriented ADL exercise for 30 minutes twice per week during 6weeks. A task oriented ADL exercise pretest and postest design was used examine the change of FIM(Functional Independent Measure) and K-MBI(Korea-Modified Bathel Index) at the completion of 6 weeks task oriented ADL exercise. Results: After 6 weeks, the experimental group compared with control group showed a significant improvement(p<.05) in FIM and K-MBI scores. Conclusion: The results indicate that the home based task oriented ADL exercise improves functions in the persons with chronic stroke.

논문집 : 태권도 코치의 리더십 유형이 선수 만족도에 미치는 영향

강승수 ( Seung Soo Kang ),이세형 ( Se Hyoung Lee ) 제주대학교 체육과학연구소 2002 체육과학연구 Vol.8 No.-