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      • KCI등재

        주택담보대출 분석을 통한 시중은행 본지점간 정보비대칭 문제에 관한 연구

        신승우,유선종 한국부동산연구원 2010 부동산연구 Vol.20 No.1

        This study investigates the information asymmetry between bank headquarters and branch offices. It seems reasonable to suppose that, when a bank’s headquarters, through its communications with its branch offices, defines the procedures, formulas and principles on which to base residential mortgage lending decisions with crystal clarity, there should be no cases in which branch-based lending decisions are disapproved by headquarters. We use data collected during the year 2009 at a branch office of one of Korea’s largest banks. We use discriminant analysis and binomial logistic regression analysis to measure the level of miscommunications between bank headquarters and a branch office and explain what causes such inefficiencies in communication. This study finds that the disapproval rate is about 4.29%, which is considerably larger. We conjecture that this results from differing interpretations of default risk, based on our measurement of credit variables such as DTI2 and other debt obligation. We suggest that such loan decision reversals occur in part because a branch officer has qualitative information about the credit quality of mortgage applicants that headquarters lacks. 본 연구는 주택담보 대출 승인에 있어서 시중은행 본지점간 의사소통 과정 및 그 정보의 비대칭성 정도를 분석하고자 하는 것이다. 만일 본점이 지점에 내려 보낸 주택담보대출에 관한 지침이 명확하고, 지점이 이 지침을 충실히 이행한다면, 지점이 본점에 대하여 승인을 요청한 주택담보대출 신청 건은 모두 승인되어야만 한다. 지점이 예비승인한 후에 본점에 승인을 요청한 사안이 본점에 의하여 불승인되는 정도는 은행의 전체적 의사결정 구조의 성과와 관련이 있다. 2009년 시중은행의 한 지점의 실제 데이터를 사용하여 본점과 지점간의 의사소통의 효율성을 분석하였다. 연구의 방법으로는 판별분석과 로지스틱 회귀분석을 이용하였고, 상기한 불승인율의 발생정도와 원인에 초점을 두어 분석을 진행하였다. 본 연구의 결과 실제 불승인 율은 4.29%에 달해 상당히 큰 것으로 드러났다. 모델분석을 통해 DTI2 및 기타 부채와 같이 대출의 채무불이행과 관련된 변수들을 적용하는데 있어서 본점과 지점간에 유의한 차이가 있음을 알게 되었다. 즉, 지점의 대출 담당자는 대출신청자의 신용도에 관한 정성적인 정보를 가지고 있는 반면, 본점의 경우는 주어진 정량적인 정보만을 이용하여 대출의사결정을 하는 것으로 보인다.

      • KCI등재후보

        Asthma-Predictive Genetic Markers in Gene Expression Profiling of Peripheral Blood Mononuclear Cells

        신승우,오태정,박세민,박종숙,장안수,박성우,우수택,안성환,박춘식 대한천식알레르기학회 2011 Allergy, Asthma & Immunology Research Vol.3 No.4

        Purpose: We sought to identify asthma-related genes and to examine the potential of these genes to predict asthma, based on expression levels. Methods: The subjects were 42 asthmatics and 10 normal healthy controls. PBMC RNA was subjected to microarray analysis using a 35K array;t-tests were used to identify genes that were expressed differentially between the two groups. A multiple logistic regression analysis was applied to the differentially expressed genes, and area under the curve (AUC) values from receiver operating characteristic (ROC) curves were obtained.Results: In total, 170 genes were selected using the following criteria: P≤0.001 and ≥2-fold change. Among these genes, 57 were up-regulated and 113 were down-regulated in asthmatics versus normal controls. A multiple logistic regression analysis was done using more stringent criteria (P≤0.001 and ≥5-fold change), and eight genes were selected as candidate asthma biomarkers. Using these genes, 255 models (28-1) were generated. Among them, only 85 showed P≤0.05 by multiple logistic regression analysis. Based on the AUCs from ROC curves for the 85 models, we found that the best model consisted of the genes MEPE, MLSTD1, and TRIM37. The model showed 0.9928 of the AUC with 98% sensitivity and 80% specificity. Conclusions: MEPE, MLSTD1, and TRIM37 may be useful biomarkers for asthma.

      • KCI등재

        한의원 입지선정에 관한 연구 -부산·경남 개원의를 중심으로-

        신승우,유승동,박동근 한국부동산연구원 2012 부동산연구 Vol.22 No.2

        This study investigates location decision of Korean medical clinics operators, the decision of which can be influenced by the two competing factors: market factor vs. production factor. By using an Analytic Hierarchy Process method, this study empirically suggest that Korean medicine clinics consider market factors more seriously than production factors; accessibility to a clinic and a clinic’s surrounding market competition environments are the most important factors with respect to the location decisions. We conjecture that these results come from insignificance of differentiation in the quality of medical services provided by Korean medical clinic doctors.

      • KCI등재

        S-PRG filler를 함유한 치면열구전색제의 미세누출 및 항우식효과

        신승우,김종수,Shin, Seungwoo,Kim, Jongsoo 대한소아치과학회 2013 大韓小兒齒科學會誌 Vol.40 No.4

        치면열구전색은 생물막의 축적을 물리적으로 막아주며 박테리아에 의해 형성되는 산물질에 화학적 장벽 역할을 한다. 1999년 S-PRG(Surface reaction-type pre-reacted glass ionomer) 필러기술이 개발되었는데 S-PRG 필러는 수분 존재 하에서 스스로 분해되지 않으면서, 지속적으로 불소유리가 가능하다. 이에 저자는S-PRG 필러를 포함하는 치면열구전색제의 미세누출 및 인접 법랑질에 대한 항우식 효과를 기존의 유동성레진 치면열구전색제와 비교해 보고자 한다. 건전한 소구치, 대구치를 실험대상으로 사용하였다. S-PRG 필러를 함유해 불소를 유리하는 치면열구전색제 Beautisealant$^{(R)}$(Shofu, Japan)를 실험군으로, 유동성레진 치면열구전색제 Concise$^{(R)}$(3M ESPE, USA)를 대조군으로 선정하였다. 미세누출실험을 위해 실란트 변연 1 mm를 제외한 나머지 치아에 손톱광택제를 2회 도포 후 2% 메틸렌블루 용액에 24시간 동안 보관 후 수세하였다. 항우식효과의 평가는 인공우식용액에 9일간 보관 후 수세 후 시행하였다. 수세한 시편들은 투명레진에 매립 후 현미경 관찰을 위해 절단하였다. 통계분석은 미세노출의 정도는 Chisquare test를, 측정된 우식의 깊이는 Mann-Whitney test를 이용해 두 군 간의 유의성을 검증하였다. S-PRG 치면열구전색제와 유동성레진 치면열구전색제의 미세누출 차이는 관찰되지 않았지만, S-PRG 치면열구전색제는 유동성레진 치면열구전색제 보다 더 높은 항우식효과를 보이는 것으로 나타났다. Pit and fissure sealant prevents biofilm accumulation, plays a role in forming a barrier to acidic substance made by the bacteria. The Surface reaction-type pre-reacted glass ionomerI(S-PRG) filler was developed in 1999. S-PRG filler releases fluoride continuously and does not decompose under wet conditions. The aim of this study was to test the microleakage and anticariogenic effect to adjacent enamel of S-PRG filler-containing pit and fissure sealant. Sound premolars and molars were used in this study. A S-PRG filler-containing pit and fissure sealant, Beautisealant$^{(R)}$(Shofu, Japan) was used for this experiment, the composite resin sealant Concise$^{(R)}$(3M ESPE, USA) was used as control. For the microleakage test, all teeth surface were double coated with finger nail varnish, with the exception of a 1.0 mm window around the restoration margins. The teeth were immersed in 2% methylene blue solution for 24 hours and then rinsed in tap water. For the anticariogenic effect evaluation, all tooth were immersed in artificial carious solution for 9 days and rinsed with tap water. Each tooth was embedded in orthodontic acrylic rein and subsequently sectioned longitudinally in a bucco-lingual direction with a low-speed diamond saw. The cut sections were examined using a stereomicroscope. Differences in microleakage between the two groups were not different significantly. But the S-PRG filler-containing pit and fissure sealant showed higher anticariogenic effect than that of flowable resin sealant.

      • 急性腹部症患者의 X線學的 考察

        申勝雨,金鎭國,金炳洙 최신의학사 1967 最新醫學 Vol.10 No.8

        80 patients diagnosed as having acute abdomen have been studied from the roentgenological and clinical points of view. 75 of the patients were operated upon and 14 were not. X-rays taken in the simple erect position were divided into four groups according to the patterns of bowel gases and fluid levels shown. Cases with typical spring-coiled appearances were classified as group 1, cases with sun-ray patterns as group 2 and cases with' appearances of fluid levels without plica circularis or haustral mar-kings as group 3. Cases showing irregular gas patterns in the bowel were classified as group 4. Operative findings were of two types, the simple type in which disease was localized in the intestine, and the complex type in which both the intestine and the adjoining tissues were involved. The following results were obtained : 1. The sex incidence was about 2:1, males predominating, (59 male : 30 female). The greatest number of patients were between 21 and 40 years of age, 17 being between 31 and 40 }rears and 14 being 21 and 30 years. 2. 44 patients (57/) of those receiving operative treatment reached the hospital within 24 hours of the onset of symptoms: 11 patients (75%) of those who were not operated on arrived at the hospital later than 24 hours after the first symptoms had begun. 3. The majority of patients operated upon, were found to have perforation of the bowel(64%) 19 of these (40%), being due to typhoid fever. The next most common finding at operation was intestinal obstruction in 22 patients (29%): intussusception was the cause of obstruction in 8 (36%), of these cases. 4. X-rays taken in the simple, erect position of the 48 cases of perforation of bowel, showed free gas in 31 (64.2%). Among these cases two were roentgenologically normal, 5 cases were placed in group 1, 12 cases in group 2 and 12 ir, group 3. 5. X-rays taken in the simple erect position on 19 patients found to have intestinal obstruction, showed one case to have normal bowel patterns, while 8 cases were placed in group 1, 6 case sin group 2 and 7 cases in group 3. 6. The relationship betv,,een the x-ray appearances of the bowel, and the intra-abdominal findings at operation was as follov,,s: 9 cases (75%) of simple type were placed in group 1, and 21 cases (33%) of complex type were placed in group 2; 28 complex cases (44%) were placed in group 3. Of the patients who did not have surgry, 6 cases (43%) were placed in group 1 and other 6 cases (43%) were placed in group 4.

      • KCI등재

        뉴노멀 시대의 공공기관 원격보안 모델 개선방안

        신승우,조인준 한국콘텐츠학회 2022 한국콘텐츠학회논문지 Vol.22 No.9

        The pandemic caused by the COVID-19 virus, which has lasted for the past three years, has changed society and the way people live in many ways. These changes also affect cyberspace, so the pre-pandemic information security model and standards have limitations when applied to the current situation. In this paper, a new method to improve the information security model of public institutions was proposed in consideration of various situations in the new normal era. In other words, through the proposed information security model, the possibility of external intrusion is blocked in advance through the policy and technical supplementation of remote work, which is a weakness of the existing information security operation of public institutions. Also, how to prevent abnormal authentication attempts by building a secure VPN environment, how to prevent social engineering cyber attacks targeting fear and uncertainty caused by COVID-19, and how to use a smooth network and create a remote work environment. For this purpose, methods for securing service availability were additionally presented. 지난 3년간 지속된 COVID-19 바이러스에 의한 팬데믹 사태는 사회와 사람들의 삶의 방식을 다양한 방식으로 변화시켰다. 이러한 변화는 사이버공간에도 영향을 주어 팬데믹 이전의 정보보안 모델과 기준은 현재 상황에 적용할 때 한계가 있다. 본 논문에서는 뉴노멀 시대의 다양한 상황을 고려한 공공기관의 정보보안 모델 개선방안을 새롭게 제안하였다. 즉, 제시된 정보보안 모델을 통해 기존의 공공기관 정보보안 운영의 취약점인 원격근무의 정책적, 기술적 보완을 통해 외부 침입의 가능성을 사전 차단한다. 또한 안전한 VPN 환경 구축을 통해 비정상적 인증 시도를 방어하는 방법, COVID-19로 인한 두려움과 불확실성을 노린 사회공학기반 사이버 공격(Social Engineering Cyber Attack)을 예방하는 방법, 원활한 네트워크 사용 및 원격근무 환경 조성을 위해 서비스 가용성을 확보하는 방법 등을 추가로 제시하였다.

      • KCI등재후보

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