거시경제 변수를 이용한 부동산 프로젝트 파이낸싱 연체율 결정 요인에 관한 연구

황윤구(Hwang, Yun-Goo),이석원(Lee, Seok-Won),송명수(Song, Myeong-Soo) 한국부동산정책학회 2018 不動産政策硏究 Vol.19 No.2

Regarding the real estate PF loans, according to the examination criteria getting nearly the same with all of the commercial banks implementing the regulations in earnest, they can bring forth the important reliability with regard to the understanding the influences of the causal variables at the time point of the loan and after the loan, the analyses in the long-term viewpoint, the decision on the variables, and the prediction of the future. Especially, regarding the real estate PF, because the size of the business and the size of the loans are considerable, when a delay regarding this has occurred, there is no choice but for the influence to have the big spreading ability in the market economy, too, including the real estate market. As such, the securing of the reliability regarding the risks is important regarding short-term and long-term aspects. As such, by making the PF data of the banks into the time series, this research had intended to find the decision factors that combine the macroeconomic factors and their causal variables. The temporal research in this research had intended to secure the recentness from after the work of the computerization of the real estate PF from the fourth quarter of 2006 until the fourth quarter of 2017 and then had intended to take a look at the data in relation to the macroscopic flows. Regarding the spatial range, it had been proceeded with from the data of the fourth quarter of 2006 based on the real estate PF loans nationwide by the K bank. To suit this, the macroeconomic indices, too, had the data that had been accumulated by the Ministry of Land, Infrastructure, and Transportation and the Bank of Korea as the objects. Regarding the real estates, according to the different appearances of the fluctuations of the prices and the market situation according to the region, it is intended to carry out a comparative analysis by distinguishing into the capital city region and the non-capital city region. regarding the theory of the multivariate time series, by proceeding with the unit root test, the cointegration test, the Granger causal relationship analysis, the setting up of the model, the shock reaction, and the dispersion decomposition, in their order, the stability regarding the time-series variables and the model had been established. And, at the same time, the influences had been empirically analyzed. It can possess the meaning that the real estate PF market can be understood and forecasted through the long-term viewpoint. And, through such a result, it can be applied in planning, too, for the predictions and the policies in the future. Despite this, regarding the limitations of this research, there is the limitation regarding the expandability of the data because the proceeding had taken place by centering on the one place of the K bank and there is the limitation that the analyses through the diverse viewpoints considering the many-sided economic indices and the others of the like had not been included. And the limitations of such analyses are the parts that must be improved through the researches in the future.

상시미동 측정을 통한 천부 횡파속도 연구

황윤구 ( Yoon Gu Hwang ),김기영 ( Ki Young Kim ) 대한지질공학회 2006 지질공학 Vol.16 No.4

상시미동을 이용하는 수동적 표면파 탐사를 결정질암 기반암 지역에서 실시하여, 내진설계 지반분류 기준인 30 m 깊이까지의 평균 횡파속도(Vs30)를 구하고자 연구를 수행하였다. 시험자료는 조사지 A와 B에서 삼각형 배열과 ``ㄴ``자형직각 배열로 2 ms 간격으로 4초 동안 기록하였다. 조사지 A에서 기록한 자료를 공간 자기상관 방법으로 분석하여 위상속도 스펙트럼을 작성하고, 수신기 배열의 길이 및 형태, 기록 횟수, 수신기 수 등의 주요인자들의 영향을 고찰하였다. 조사지 B에서 상시미동 기록자료의 역산을 통해서 구한 횡파속도와 근처 시추공에서 수직탄성파 방법으로 구한 결과가 대체로 일치함을 보여 상시미동을 이용한 표면파 탐사법이 Vs30을 구하는데 효율적인 방법으로 판단된다. The passive surface wave survey using microtremor is conducted in areas of crystalline rock basements to obtain average shear-wave velocity structures to 30 m deep (Vs30), on which the earthquake-resistant design standard is based. Test data were recorded at two sites with triangular and L-shaped arrays for 4 seconds with an sampling interval of 2 ms. The microtremor recorded at a site were analysed using the spatial autocorrelation method to obtain phase-velocity spectra and effects of major factors such as size and shape of array and number of record and receiver were examined. At the other site, shear-wave velocities were derived from VSP and microtremor data separately. The results from these two methods agree to each other reasonably well, indicating that the microtremor method can be an effective geophysical tool to measure Vs30.

나노 기술을 이용한 고부가가치 농산물의 융합기술 발전

황윤구(Yun-Gu Hwang) 한국식품과학회 2014 식품과학과 산업 Vol.47 No.1

거시경제 변수를 활용한 주택담보대출 연체율에 미치는 결정요인에 관한 연구

이석원(Lee, Seok-Won),황윤구(Hwang, Yun-Goo),윤영의(Yoon, Young-Eui) 한국부동산정책학회 2017 不動産政策硏究 Vol.18 No.3

In the second quarter of 2017, the size of the household debts has been reaching 1,388 trillion won. And, because the size of the housing mortgage loans has been closing in upon 560 trillion won, around 40.3% has been crowded in the housing demand funds. Regarding this, there is no choice but for the influence on the entire economy to be high according to the increase of the delinquency rate in case the economy worsens or the recession continues. This study intends to suggest the implications regarding the housing mortgage loans in the long-term viewpoint through the influence evaluations of the macroeconomic variables related to such housing mortgage loan delinquencies. The macroeconomic variables that were used were the housing mortgage loan delinquency rate (TOD), the price index of the average buying and selling of the real apartment transactions (APT_PRICE), the new housing mortgage loan interest rate (HINTEREST), the index of the industrial products (IIP), the amount of money in circulation (M2), the monetary amount of the housing mortgage loans (HML), the amount of the apartment transactions (TRADE), and these were unfolded in the viewpoint of the relationship with the real estate market and the currency policy. As a result of the unit root test, it appeared that, regarding the amount of the apartment transactions, the time series raw data had been maintaining the stability. And it was able to find out that the data of the remaining variables, including the housing mortgage loan delinquency rate (TOD), had been getting stabilized through the primary difference. Because, as a result of a co-integration test, at least 6 variables possess the linear, the selection of the model used the VEC model, and, regarding the optimal differential, the 1st model was selected based on the SC (Schwarz Criterion) value. As a result of taking a look at the granger causality relationship, it appeared that the variables that had the influences on the housing mortgage loan delinquency rate were the price index of the average buying and selling of the real apartment transactions (APT_PRICE), the new housing mortgage loan interest rate (HINTEREST), the index of the industrial products (IIP), the amount of money in circulation (M2), and the amount of the apartment transactions (TRADE). As a result of analyzing the VECM (Vector error correction Model) short-run equilibrium relationship, it appeared that the housing mortgage loan delinquency rate were influenced by the index of the average price of the buying and selling of the real transactions of the apartments and by the index of industrial products. As a result of a reaction to a shock, the positive (+) correlation appeared between the housing mortgage loan delinquency rate and the amount of the transactions of the apartments (TRADE) and, also, the interest rate of the new housing mortgage loan (HINTEREST). Eventually, regarding the housing mortgage loan delinquency rate, if the interest rate goes up, right away, an increase of the delinquency rate takes place. And, it appeared that, if the monetary amount of the housing mortgage loan becomes big, the delinquency rate decreases. This is because the delinquency rate has the influences on the incomes and others of the like, it can be under the control of the interest rate policies. The meaning of this research is that it investigated about the relationship with the housing mortgage loan delinquency rates by considering the indices in the real estate market and the currency policies at the same time. And, it is that, in the condition in which the scale of the housing mortgage loan having become big at present, raising the interest rate can aggravate the confusion more in the market. As a result, with regard to the proceeding with the real estate policies, the prudent and macroscopic approach is needed. And the researches on the relationships of the indices will be needed more in the macroscopic viewpoint.

논문 : 천부 탄성파 백터자료 획득 및 분석

홍명호 ( Myung Ho Hong ),김기영 ( Ki Young Kim ),황윤구 ( Yoon Gu Hwang ) 대한지구물리학회 2005 지구물리 Vol.8 No.2

금 나노입자를 처리한 홍삼의 산화스트레스 완화 및 PC-12 신경세포 보호

김지원(Ji Won Kim),조치흥(Chi Heung Cho),황윤구(Yun-Gu Hwang),박우정(Woo Jung Park),강희(Hee Kang),김대옥(Dae-Ok Kim) 한국식품과학회 2017 한국식품과학회지 Vol.49 No.2

본 연구에서는 금 나노입자 용액을 생장하는 6년근 인삼에 직접 시비해서 금 나노입자가 전이된 황금인삼을 열수 추출하여 총 페놀 함량, 총플라보노이드 함량, 산화방지능 및 신경세포 보호능을 평가하였다. 1°Bx의 황금홍삼 추출물은 총페놀과 총플라보노이드 함량이 각각 212.2 mg GAE와 3.5 mg CE였다. ABTS, DPPH 및 ORAC 법으로 측정시, 황금홍삼 추출물의 산화방지능은 각각 272.3, 141.2, 868.4 mg VCE/°Bx였다. 황금홍삼 추출물은 과산화수소로부터 유래한 세포 내 산화스트레스를 감소시켜 PC-12 신경세포의 생존율을 농도 의존적으로 증가시켰다. 또한, 황금홍삼 추출물은 신경전달물질인 아세틸콜린을 가수분해하는 AChE 및 BChE 활성을 억제하였다. 이러한 결과는 금 나노입자를 처리한 홍삼을 이용한 산화방지 및 신경손상억제 소재로 활용할 가능성을 제시하였다. Red ginseng prepared from fresh 6-year-old ginseng treated with colloidal gold nanoparticles was extracted using hot water to evaluate its total phenolic and flavonoid contents, antioxidant capacity, and neuroprotective effects. Water extract of red ginseng treated with gold nanoparticles (WERGGN) had total phenolic and total flavonoid contents of 212.2 mg gallic acid equivalents/°Bx and 3.5 mg catechin equivalents/°Bx, respectively. The antioxidant capacities of WERGGN measured using ABTS, DPPH, and ORAC assays were 272.3, 141.2, and 868.4 mg vitamin C equivalents/°Bx, respectively. The WERGGN showed protective effects on the viability of neuron-like PC-12 cells against oxidative stress induced by hydrogen peroxide in a dose-dependent manner, partly because of a reduction in intracellular oxidative stress. Acetylcholinesterase and butyrylcholinesterase, which degrade the neurotransmitter acetylcholine to terminate neurotransmission, were inhibited by treatment with WERGGN. These results suggest that WERGGN is useful as a functional material to decrease oxidative stress and neuronal damage.

드립용 홍삼제품 개발을 위한 로스팅 처리 및 분쇄입도별 품질학적 특성

성봉재(Bong Jae Seong),김선익(Sun Ick Kim),지무근(Moo Geun Jee),김수동(Soo Dong Kim),권아름(Reum Kwon),김현호(Hyun Ho Kim),황윤구(Yun Gu Hwang),이가순(Ka Soon Lee) 한국식품영양과학회 2018 한국식품영양과학회지 Vol.47 No.3

홍삼을 이용한 드립제품을 개발하기 위하여 홍삼을 온도별로 로스팅하여 분말화한 후 분쇄입도별로 품질학적 특성을 조사하였다. 홍삼을 130, 150, 170°C의 온도에서 각각 20, 30분간 로스팅한 결과, 사포닌 함량은 로스팅 처리온도가 높아질수록 Rb1, Re 및 Rg1의 함량이 낮아지고 Rg3, Rg5, Rg6 및 Rk1 등의 함량이 증가하였으며, 150°C에서 30분 처리 시 총 사포닌 함량이 20.50 mg/g으로 가장 높았다. 로스팅 처리에 의한 벤조피렌 생성은 150°C까지는 생성되지 않았고 170°C의 온도에서 20분 및 30분 처리 시 각각 0.03±0.01 및 0.11±0.01 ppb의 함량이 생성되었다. 색도는 로스팅 온도가 높을수록 처리시간이 길수록 L값은 감소하였고, a값과 b값은 증가하였다. SPME법에 의해 포집된 로스팅 홍삼의 향기성분은 약 32종의 피크가 확인 동정되었고 로스팅에 의하여 향기성분은 증가하였는데, 150°C의 온도에서 30분 처리 시 포집된 향기의 피크면적이 가장 많이 증가하였고 주된 향기성분은 α-neoclovene이 전체 포집된 향기성분 중 14.64%를 차지하고 있었으며 그 외, β-panasinsene, α-gurjunene, trans-β-farnesene, β-gurjunene, β-elemene, γ-gurjunene 및 α-humulene 등이 약 71% 이상을 차지하고 있었다. 분쇄입도별에 따른 드립 시 사포닌 용출량은 입자크기가 작을수록 높았으며 로스팅 후 사포닌 함량이 가장 높았던 150°C에서 30분 처리구 중 very fine(200 μm 미만) 입자크기에서 드립액 중 총 사포닌 함량이 23.2±0.17 mg/200 mL로 90% 이상의 사포닌이 용출되었다. 로스팅 홍삼의 드립액에 대한 항산화 활성은 DPPH 용액에 의한 전자소거능을 본 결과 로스팅 온도가 높을수록, 처리시간이 길수록 전자소거능이 증가하였으며 170°C에서 20분 및 30분, 150°C에서 30분 로스팅한 홍삼의 드립액은 전자소거능 30분 반응 시 시중 판매 현미녹차와 거의 비슷한 전자소거능을 보였다. This study investigated the physicochemical properties of roasted red ginseng (RRG) and their drips according to the roasting and particle sizes by grinding. A red ginseng sample was ground to 3.0±0.3 mm and roasted at 130°C, 150°C, and 170°C for 20 and 30 min. The RRGs were separated using standard sieves into the following particle sizes: very fine (less than 200 μm), fine (200∼279 μm), medium (279∼381 μm), coarse (381∼535 μm), and very coarse (over 535 μm). The physicochemical properties of the RRGs were analyzed in terms of the ginsenosides, benzopyrene, colors, and volatile flavors. For each particle size and drip of the various RRGs, the ginsenosides, colors, and antioxidant activities were analyzed. The ginsenoside-Rb1, -Re, and -Rg1 content decreased and the ginsenoside-Rg3, -Rg5, and -Rg6 content increased with increasing roasting temperature and time. The total ginsenoside content in RRG roasted at 150°C for 30 min (RRG 150-30) was 20.50 mg/g, which was high. Benzopyrene was detected in the RRG 170-20 and RRG 170-30 at 0.03±0.01 ppb and 0.11±0.01 ppb, respectively. As the roasting temperature and time were increased, and as the particle size decreased, the L-value decreased, and the a- and b-values increased. A total of 32 volatile compounds trapped by solid-phase microextraction fiber (polydimethylsiloxane 65 μm) in the RRG were detected, which were increased by roasting; the highest value was obtained from RRG 150-30. Their main compounds were α-neoclovene, β-panasinsene, α-gurjunene, trans-β-farnesene, β-gurjunene, β-elemene, γ-gurjunene, and α-humulene. The ginsenoside content eluted by dripping RRG 150-30 with a very fine size was the highest at 23.2±0.17 mg/200 mL (1.2 g/bag). The antioxidant activity of the RRG 150-30 drips was similar to brown rice-green tea sold at the market.

Ginsenosides and Benzopyrene Content of Roasting Red Ginseng in Various Condition

Ka Soon Lee(이가순),Bong Jae Seong(성봉재),Sun Ick Kim(김선익),Moo Geun Jee(지무근),Soo Dong Kim(김수동),A Reum Kwon(권아름),Hyun Ho Kim(김현호),Eun Soo Doh(도은수),Yun Gu Hwang(황윤구) 한국약용작물학회 2017 한국약용작물학회 학술대회논문집 Vol.2017 No.2

7N01 Al 합금의 미세조직 및 기계적 성질에 미치는 시효처리의 영향

김인배,황윤구,강민철,강정윤 한국열처리공학회 2000 熱處理工學會誌 Vol.13 No.2

Effect of aging treatment on the microstructures and mechanical properties of 7N01 Al alloy was investigated by differential scanning calorimetry, transmission electron microscopy, microhardness measurement and tensile test. Maximum hardness(125.7Hv) and tensile strength(447.3㎫) were obtained from the specimen aged at 120℃ for 32hrs. The major precipitation hardening phase was confirmed as coherent MgZn₂(η') phase. Microhardness changes after peakaged condition showed very large decrease upon increased aging time. This result was attributed to the high transformation rate from coherent η' to incoherent η. It was found that the precipitation sequence of 7N01 Al alloy was GP zone→metastable spherical hcp MgZn₂(η')→equilibrium rodlike hcp MgZn₂(η).