하우스푸어 규모 추정 및 정책 방향에 대한 고찰

최은희,이종권,문효곤,김경미,Choi, Eun-Hee,Lee, Jong-Kwon,Moon, Hyo-Gon,Kim, Kyeong-Mi 한국토지주택공사 토지주택연구원 2014 LHI journal of land, housing, and urban affairs Vol.5 No.4

글로벌 금융위기를 겪고 난 이후, 주요 선진국에서는 가계부채/GDP 비율이 하락하는 경향을 보이고 있으나, 우리나라는 여전히 상승추세에 있으며, 가계부채 중 제일 큰 비중을 차지하는 주택담보대출은 최근 주택가격 하락으로 하우스푸어를 양산한 결과를 초래하였다. 본 연구는 최근 사회적 문제로 대두되고 있는 하우스푸어의 규모를 분석하는 한편, 하우스푸어의 형성배경에 주목하였다. 이는 하우스푸어의 문제가 일차적으로 개인과 금융기관 간의 금융거래에 기인하는 문제임에도 불구하고, 다양한 사회경제적 요인이 내재하고 있음을 간과할 수 없기 때문이다. 또한 이들 하우스푸어 문제를 해결하기 위해 사회적으로 어떠한 정책 방향을 설정해야 하는지 공적 개입 측면에서 현황과 향후 방향을 제안해보고자 한다. 우선 재무적관점에서 하우스푸어 규모를 추정하기 위한 판단지표로 DSR, LTA를 활용하였다. 재무적 위험을 판단하기 위한 임계치로 DSR은 40%, LTA는 100%로 가정하였다. 한편 LTA 산정과정에서 부동산자산의 평가액은 조사가격의 60%와 100%의 두가지 경우를 가정하였다. 다음으로 하우스푸어의 형성배경으로 사회 경제적 여건변화에 따른 가계의 차입의존도 증가, 금융기관의 과잉 대출경쟁, 부동산 시장의 장기침체, 주택담보대출 관련 제도적 문제 등이 원인인 것으로 파악되었다. 이처럼 하우스푸어의 발생에 대한 책임소재는 개인적인 문제 뿐 아니라 구조적 요인과 정책실패요인도 존재하고 있으며, 주택시장과 국민경제에 미치는 영향을 간과할 수 없다는 점에서 공적 개입의 필요성이 존재한다. 공적개입의 기본 방향은 공적 자금 부담을 최소화하고 시장기능을 활성화하는 차원에서 이루어져야 할 것이다. 또한 현재 하우스푸어 관련 정책으로 수행되고 있는 희망임대주택 리츠사업의 경우, 장기적으로는 대출거래 당사자인 대출기관도 책임을 부담하는 방식으로의 개선이 필요하다. After global financial crisis, the ratio of household debt to GDP was decreasing in other advanced countries such as the U.S., and the U.K. and so on. But, in Korea, household debt (of which residential mortgage loan account for a large part) ratio is still increasing. This paper focuses on the scale and characteristics of households in negative housing equity (those are called House-poors in Korea), and also the socio-economic backgrounds of the formation process. In financial perspective, the problem of negative housing equity depends on financial debt repayment capability. We used DSR (Debt Service Ratio) and LTA (Loan to Asset ratio) as financial indicators to evaluate the debt repayment capability. The critical value of DSR is assumed as 40%, and LTA 100%. The socio-economic backgrounds of the House-poors are as follows : increasing households debt dependency, over lending competition of financial institutions and unreasonable loan in household economy, instability of real estate market, week regulation on mortgage loan. Finally, this paper suggests some implications about the range and the target of public intervention.

가미통성산(加味通聖散)이 자발성 고혈압 흰쥐에 미치는 영향

최은희,임대웅,정태산,안가영,천혜선,전상윤,홍석,Choi, Eun-Hee,Lim, Dae-Woong,Jung, Tae-San,An, Ga-Yong,Chun, Hea-Sun,Jeon, Sang-Yun,Hong, Seok 대한한방내과학회 2010 大韓韓方內科學會誌 Vol.31 No.3

Objective : This study was examined to investigate the effect of Gamitongseong-san(GTS) extract on spontaneous hypertension. Methods : After administering GTS extract to SHR for 4 weeks, we measured anti-oxygen effects, weight of body, heart and kidney, blood pressure, heart rate, aldosterone, catecholamine, electrolyte, uric acid, and BUN. Results : 1. GTS increased 2,2-diphenyl-1-picrylhydrazyl(DPPH) scavenging activity and superoxide dismutase(SOD) similar activity depending on the concentration. 2. GTS significantly decreased heart weight in spontaneously hypertensive rat. 3. GTS significantly decreased blood pressure and heart rate in SHR. 4. GTS significantly decreased aldosterone. 5. GTS significantly decreased norepinephrine and epinephrine. 6. GTS significantly decreased $K^+$. 7. GTS significantly decreased BUN. Conclusions : These results suggest that GTS may be usefully applied for the treatment of hypertension.

케이블을 이용한 장스팬 태양광패널 지지구조시스템

최은희,정진우,김인범,안승환,Choi, Eun-Hee,Jeong, Jin-Woo,Kim, In-Beom,Ahn, Seung-Whan 한국공간구조학회 2014 한국공간구조학회지 Vol.14 No.2

Effects of the Off -Loading Brace on the Activation of Femoral Muscles -A Preliminary Study-

최은희,Keon-Koo Kim,전아영,Eun-Hye Choi,Sung-Won Choi,Ka-Young Shin 대한재활의학회 2011 Annals of Rehabilitation Medicine Vol.35 No.6

Objective To provide the off -loading knee brace was designed relief for the pain associated with osteoarthritis by reduce loads on the degenerative compartment of the knee. This study examined the eff ects of the off -loading knee brace on activation of femoral muscles during squatting, slow and fast walking exercise in healthy young individuals. Method Ten healthy male subjects without a history of knee pain were recruited. Each subject was asked to do squatting, slow and fast walking exercises with a brace secured to the dominant leg. The same exercises were repeated without the brace. Surface electromyographic (sEMG) data was collected from the vastus medialis oblique (VMO), vastus lateralis (VL) and biceps femoris (BF) muscles from the dominant side of the leg. All dynamic root mean squre (RMS) values of sEMG were standardized to static RMS values of the maximal isometric contraction and expressed as a percentage of maximal activity. Results We found that VMO activity was signifi cantly decreased with application of the off -loading knee brace during squatting and fast walking exercise. However there were no signifi cant diff erences in VMO activity with application of the off -loading knee brace during slow walking exercise. Conclusion These results suggest that the external moment of the brace which effectively stabilized the patella in the movement in which the knee joints become relatively unstable. Th e brace could be useful in the short term,but for long-term use, weakening of the VMO is predicted. Therefore the program of selective muscular strength strengthening for the VMO should be emphasized.

다변량분석법을 활용한 농업용 저수지 수질유형분류

최은희,김형중,박영석,Choi, Eun-Hee,Kim, Hyung-Joong,Park, Youmg-Suk 한국관개배수위원회 2010 한국관개배수논문집 Vol.17 No.2

In order to manage the water quality in reservoir, it is necessary to understand the temporal and spatial variation of reservoirs and to classify the reservoirs. In this research, agricultural reservoirs are classified according to physical characteristics (depth, residence time, shape of the reservoir etc) and water quality using multivatriate analysis (PCA and CA). CA (Cluster Analysis) method classify reservoirs into several groups as a similarity of the reservoirs, but it is difficult to indicate a full list to the one table. In case of PCA (Principle Component Analysis) method, it has the advantage for the classification on the reservoirs depending on the water quality similarity and also it is useful to analyze the relationship between related factors through correlation analysis. However PCA is limited to classify into several groups based on the characteristics of the reservoirs and each user should be classified as randomly subjective according to the relative position of the reservoir in the figure. In conclusions, compared to conventional reservoirs classification methods, both CA and PCA methods are considered to be a classification method that describes the nature of the reservoir well, but classification results has a restriction on use, so further research will be needed to complement.

지역단위 미이용 바이오매스 발생량 추정

최은희,이문용,윤영만,김창현,윤성이,Choi, Eun-Hee,Lee, Mun-Yong,Yoon, Young-Man,Kim, Chang-Hyun,Yoon, Sung-Yee 한국유기농업학회 2012 韓國有機農業學會誌 Vol.20 No.4

This study was carried out to evaluation of biomass generation mechanisms and to propose the estimation method of biomass generation. Agricultural by-product biomass is generated during crops cultivation and after harvest. However these are not uniformly generated yearly and these depending on the seasons. For planning of biomass utilization, accurate information of the biomass resources is needed, especially characteristic and productivity of biomass are necessary. Agricultural by-product biomass are generated in a wide area being scattered and it is one of the major reason why agricultural biomass utilization is not activated compared with other waste biomass. In this study, estimation and evaluation biomass generation is achieved in specific spatial and temporal boundary, A-city in Gyeongi-do and september to November respectively. Quantity and quality of by-product biomass show big difference depending on the crop species and cultivation periods and these difference bring up that accurate biomass estimation should be considered during planning of biomass utilization and technology selecting for biomass converting to energy and other forms.

한국형 낙상 위험 사정도구의 타당성 평가연구

최은희,고미숙,이신애,박정하,Choi, Eun Hee,Ko, Mi Suk,Lee, Shin Ae,Park, Jung Ha 병원간호사회 2020 임상간호연구 Vol.26 No.2

Purpose: The purpose of this study was to test the predictive validity of the Fall Assessment Scale-Korean version (FAS-K) and to find the most appropriate cutoff score to screen high-risk fall groups in adult patients in general hospitals in Korea. Methods: We performed a prospective evaluation study in medical and surgical ward patients at two major general hospitals in Seoul. Data were collected from Nov. 1, 2018 to Feb. 28, 2019, nurses performed 651 observation series. The researcher measured the fall risk assessment score by applying FAS-K, MFS (Morse Fall Scale), and JHFRAT (Johns Hopkins Hospital Fall Risk Assessment tool) to the patients twice a week between 10 am and 12 noon. Data were analyzed using Pearson's corelation coefficients, and the sensitivity, specificity, predictive value, and the area under the curve (AUC) of the three tools. Results: The FAS-K was positively correlated with the MFS (r=.70, p<.001) and the JHFRAT (r=.82, p<.001). According to the receiver operating characteristics (ROC) curve analysis of the FAS-K, sensitivity, specificity, and positive and negative prediction values were 85.3%, 49.4%, 8.5%, and 98.4%, respectively, when the FAS-K score was 4. Therefore, the cut-off score of the FAS-K to identify groups with high fall risk was 4. Conclusion: The FAS-K is a valid tool for measuring fall risk in adult inpatients. In addition, the FAS-K score, 4, can be used to identify high-risk fall groups and know specific points in time to provide active interventions to prevent falls.

관찰 중심의 아동 평가에 대한 고찰 - 관찰법을 중심으로 -

최은희,Choi, Eun-Hee 대한감각통합치료학회 2011 대한감각통합치료학회지 Vol.9 No.1

연구의 목적은 아동평가 중 관찰의 유형과 기능에 대해 알아보고자 하는 것이다. 다른 분야와 마찬가지로 아동의 평가에는 관찰, 면담, 표준화된 평가 방식들이 다양하게 이용된다. 감각통합 치료접근을 사용하는 치료사들의 경우, 아동 평가 중 특히 초기평가에서 기본적으로 관찰법을 이용한다. 명확한 관찰은 평가의 신뢰성과 타당성을 높이는 근간이 된다. 따라서 관찰의 기본적인 방법들과 요소에 대해 알아봄으로써, 향후 치료사의 관찰능력을 제고하는데 활용할 수 있을 것이다. The purpose of this study is to investigate the types and functions of observations at the stage of child assessment. We can use various methods of evaluation. It includes observation, interview, and standardized tests. Most of occupational therapist using sensory integrative approach usually evaluate their clients based on observations especially in the period of initial assessment. The accurate observation is closely connected with reliability and validity of the assessment. Here present some types of observation and the things we should check in ordinary observing moments. It will be considerable aspect when we study how to improve observation ability of the therapists in the future.

영국 신재생에너지 정책과 농어촌커뮤니티에너지 기금

최은희,이문용,정진희,윤성이,Choi, Eunhee,Lee, Mun-Yong,Jeong, Jin-Hee,Yoon, Sung-Yee 한국관개배수위원회 2014 한국관개배수논문집 Vol.21 No.1

Excessive emission of greenhouse gases from fossil fuels usage has become a major cause of climate change. As an alternative to reduce the greenhouse gas emission, renewable energy has been highlighted around the world and UK government also established the Climate Change Act 2008 and policies for response the climate change. Those of them has been supporting many practical actions for reducing greenhouse gas emission and community energy projects is representative program to supporting security of energy supply and helping the country to reduce its carbon footprint. Rural Community Energy Fund (RCEF) which is one of community energy projects supports rural communities to develop renewable energy projects which provide economic and social benefits to the community. The review of UK's renewable energy policies and action plan can be useful to promote in Korea policies for becoming low-carbon society.

삼음교 유침, 저주파 및 고주파 전침이 흰쥐의 항진된 장운동에 미치는 영향

최은희,이은경,전주현,양기영,김영일,이현,Choi, Eun-Hee,Lee, Eun-Kyung,Jeon, Ju-Hyun,Yang, Gi-Young,Kim, Young-Il,Lee, Hyun 대한침구의학회 2008 대한침구의학회지 Vol.25 No.5

Objectives : The aim of this study was to compare the effect of needle retention(NR) and electro-acupuncture of low(EA(L)) and high(EA(H)) frequencies at $SP_6$ and Sham point in rats. Methods : Intestinal hypermotility was induced by feeding carbachol and experimental groups divided mainly into 7 groups which were normal, holder, control, acupuncture in normal state of rats, pre-treatment of acupuncture(NR, EA) in hypermotility, post-treatment of acupuncture(NR, EA) in hypermotility. We fed charcoal to them after the treatment and measured the travel rate of charcoal in the gastrointestinal track so that which treatment affected more in intestinal hypermotility. Results : As the following study, each acupuncture ways of EA(L) had significant effect of decreasing travel rate on intestinal hypermotility than EA(H) and NR. The comparison between pre-treatment and post-treatment, pre-treatment had slight more effect than post-treatment but not significantly. There was more affected at $SP_6$ than Sham point on this study. Conclusions : There were 21 groups to find out which treatment was best to slow down the intestinal motility and $SP_6$-EA(L)-C had significant effect compared with control group at the figure than any other groups. That meant $SP_6$ had effect on gastric disorder such as intestinal hypermotility and its' effect had more prevention than cure. Further study was needed to have more precise effect of EA and $SP_6$.