An Empirical Study on the Choice of Residential Mortgage Lender by Korean Households

Shin,Seung-Woo 한국주거환경학회 2008 주거환경(한국주거환경학회논문집) Vol.6 No.2

본 연구는 국민은행의 주택금융수요 실태조사 자료를 이용하여 일반 서민가구의 주택담보 대출유형, 특히 주택금융공사의 보금자리론으로 대표되는 공공 모기지와 여타 민간은행의 민간 모기지간의 선택에 영향을 미치는 요인을 탐구하였다. 우리는 보금자리론이 출시된 2004년부터 2006년까지의 3개년치의 자료를 투입하여 다항 로짓(Multinomial Logit) 모델 및 중첩 로짓(Nested Logit) 모델을 적용하여 분석하였다. 미국의 실증분석 결과와는 달리 우리의 경우 서민가구들이 공공 모기지 보다는 민간 모기지를 선호하는 것으로 보인다. 그 이유로는 민간모기지 상품의 다양성이나 이자유형 변경옵션과 같은 상품자체에 기인하는 속성과 함께 민간 대출기관의 느슨한 소득 검증(Income verification)과 같은 규제적 특성 역시 중요한 요인인 것으로 분석되었다.

The Effect of Transportation Policy Changes on Retail Market Trade Area Dynamics

Shin,Seung Woo,Kim,Gyoung Sun 한국주거환경학회 2018 주거환경(한국주거환경학회논문집) Vol.16 No.3

Ⅰ. Introduction Ⅱ. Literature review III. Data IV. Discussion V. Conclusion 본 연구의 목적은 서로 다른 두 개의 교통정책이 서울의 한 상권에 미치는 동태적 영향을 다룬다. 버스 노선의 변화나 새로운 지하철의 개통이 주변 상권의 형성이나 시간적 변화에 미치는 영향을 검증한다. 이러한 가설을 검증하기 위한 방법을 구체적으로 설명하면, 상권내 토지의 과세가치를 이용하여 경사도를 측정한다. 본 연구를 통하여, 이미 교통 기반시설이 충분히 보급된 지역의 경우, 버스노선의 변경은 상권에 제한적인 영향만을 미치는 것을 확인하였다. 반면 이미 두 개의 지하철 노선이 운영 중인 동일한 지역에 추가된 세 번째 노선은 통계적으로 유의한 영향을 미치는 것을 t-테스트를 통하여 확인하였다. 또한 상권의 시간적 변화를 가시화하였다. 본 연구가 제안한, 과세 평가액과 이를 사용하여 계산된 경사도를 활용한 혁신적인 연구방법은 도시지역의 사회실험을 대체할 수 있는 효과적인 대안이다.

Managing Cultural Diversity by Effective Human Resource Management of International Trade: Focus on Asian Perspectives

Shin,Soo Yong,Pak,Myong Sop,Cho,Sung Woo 한국무역상무학회 2012 貿易商務硏究 Vol.56 No.-

Changes in the global business environment continue at an accelerated pace. The 21st century maybe remarked, perhaps, for its hot issues on globalization and diversity. Diversity may arise in terms of ethnic, gender, age and culture. Cultural diversity out of all stands out in front in modern times as more multinational companies operate internationally resulting more people to start living abroad and work with people from different cultures. In recent years, these multinational companies realized the important roles human resource management play in international trade since cultural diversity is very influential on their work performance. A well-managed human resources will ensure organizations' success to a great extent. This paper touches the field of cultural diversity and introduces human resource management of international trade as a way to handle diversity matters faced by international organizations.

Aptamer‑linked immobilized sorbent assay for detecting GMO marker, phosphinothricin acetyltransferase (PAT)

Woo‑Ri Shin,Mun‑Jong Lee,SEKHONSIMRANJEET SINGH,Ji Hun Kim,Sun Chang Kim,Byung‑Kwan Cho,Ji‑Young Ahn,Yang‑Hoon Kim 대한독성 유전단백체 학회 2020 Molecular & cellular toxicology Vol.16 No.3

Background Development of genetically modified crops has rapidly increased in last few years. The most widely grown GM crops express genes that confer herbicide tolerance and insect resistance. Detection system of GM crops is important for safety evaluation before its consumption. Objective The purpose of this research is to detect GM crops, especially PAT, in food-samples. Results The bar gene (PAT protein, herbicide resistant) was cloned in pGEX-4T-1 and expressed by E. coli. The high-affinity PAT-specific single-stranded DNA (ssDNA) aptamers were obtained from a random DNA library. MOE docking study was performed to identify the potential binding region of the selected aptamers on PAT. Aptamer-linked immobilized sorbent assay (ALISA) method was used to detect PAT. Conclusion We screened aptamer against PAT for developing an efficient detection method. The selected PAT specific aptamers, HRPA-05 and HRPA-07, showed the distinct target binding behaviors, and detected PAT protein by aptamer-linked immobilized sorbent assay method with high efficiency and selectivity.

아미노글리코사이드 사용제한에 따른 병원성 균혈증 유발 그람음성간균의 내성변화 및 임상적 의의

오종택,김신우,손종원,도병훈,한승우,신병철,박지현,이종명,김능수 대한감염학회 2003 감염과 화학요법 Vol.35 No.4

목적 : 항균제 오남용으로 인한 내성균의 출현, 약물부작용의 발생 및 약제 비용의 증가는 환자 개인뿐만 아니라 사회적으로 문제가 되고 있다. 본 연구는 항생제의 오남용을 막기 위한 제도의 일환으로 시행한 아미노글리코사이드 사용 제한정책의 비용 효과적인 측면을 조사하고 그람음성간균에 의해 병원성 균혈증이 발생한 환자들을 대상으로 이 정책이 항생제 내성률과 환자 사망률에 미치는 영향을 연구하였다. 방법 : 930병상 규모의 3차 병원인 일개 대학병원에서 아미노글리코사이드 사용제한정책이 시행된 직후인 2002년 3월에서 9월 사이에 그람음성간균(Acinetobacter baumannii, Pseudomonas aeruginosa, Klebsiella pneumoniae, Escherichia coli, Enterobacter cloacae, Enterobacter aerogenes, Serratia marcescens, Stenotrophomonas maltophilia, Burkholderia cepacia)에 의해 발생한 병원성 균혈증 환자 60명(실험군)과, 이 정책이 시행되기 전에 입원한 환자들 중 균주별로 같은 수만큼 선별한 병원성 균혈증 환자 60명(대조군)의 의무기록을 후향적으로 조사하였다. 결과 : 아미노글리코사이드 사용제한정책이 시행된 시기인 2002년 3월에서 9월 사이에 처방된 아미노글리코사이드 사용량 및 비용을 이 정책이 시행되기 전인 2001년 3월에서 9월 사이와 비교한 결과, 아미노글리코사이드의 사용량(antimicrobial utilization density)은 사용제한 후 225.2에서 130.3으로 42% 감소하였고 약제 비용은 44% 감소하였다. 아미노글리코사이드 사용제한 후 병원성 균혈증을 유발한 그람 음성간균의 이 항생제에 대한 내성률은 유의한 변화를 보이지 않았으며 균혈증과 직접 연관된 사망률도 환자의 나이, 성별, 기저질환 및 원발병소 등을 보정할 경우 유의한 차이를 보이지 않았다(40.4% vs. 24.1%, P=0.11). 결론 : 아미노글리코사이드를 5일을 초과한 사용 시 감염전문가의 사전 승인을 필요로 하는 사용제한정책은 아미노글리코사이드의 사용량과 비용을 유의하게 감소시켰다. 또한 이 정책 시행 후 그람음성간균에 의한 균혈증 환자에서 균혈증으로 인한 사망률과 아미노글리코사이드에 대한 내성률은 유의한 차이가 없었다. Objective : To evaluate the effects of an aminoglycoside restriction policy on expenditures for aminoglycosides, antimicrobial resistance rates and clinical outcome of nosocomial bacteremia caused by Gram-negative bacilli (GNB). Methods : Starting in February, 2002, a prior consultation with an infectious disease specialist for using aminoglycoside antibiotics over 5 days was required in a 930-bed university hospital. In retrospective analysis of medical records 7 months after initiation of the aminoglycoside restriction policy, sixty cases of clinically relevant nosocomial bacteremia caused by GNB were found. These bacteremic patients were compared with sixty, species-matched, control patients with nosocomial Gramnegative bacteremia before the policy for total expenditures for aminoglycosides, susceptibility to antibiotics and clinical outcomes of bacteremia. Results : During the same period of 7 months before and after the restriction policy, total expenditures for aminoglycosides decreased by 44% in cost (from 465,030,841 Won to 259,618,337 Won) and the antimicrobial utilization density of aminoglycosides decreased by 42% (from 225,2 to 130.3). On the other hand, the patterns of antibiotic susceptibility and bacteremia-related in-hospital mortality rates after the policy did not show a significant change, compared with those before the policy. Conclusion : Antibiotic restrictions are among the most popular methods to diminish the practice of antibiotic overuse in hospitals. In this study, requirement for prior approval of aminoglycoside use over 5 days led to a significant decrease in the amount and cost of total aminoglycosides without a significant change in susceptibility patterns and bacteremia-related mortality rates.

한의진단명과 진단요건의 표준화 연구 II (표준화 실례) : 2차년도 연구결과 중간 보고

양기상,최선미,최승훈,안규석,박경모,박종현,김성우,신승호,정우열,전병훈,고현,김정범,신상우,김성훈,김동희,권영규,엄현섭,장혜옥 한국한의학연구원 1996 한국한의학연구원논문집 Vol.2 No.1

The diagnostic requirements were suggested and explained regarding the systems of differentiation of symptoms and signs in the second year study of standardization and unification of the terms and conditions used for diagnosis in oriental medicine. The systems were as follows; - differential diagnosis according to condition of body fluid, differentiation of syndromes according to the state of qi and blood, differential diagnosis according to relative excessiveness or deficiency of yin and yang(氣血陰陽津液辨證) - differentiation of diseases according to pathological changes of the viscera and their interrelation - analyzing and differentiating of febrile diseases in accordance with the theory of the six channels(傷寒辨證) The individual diagnosis pattern was arranged by the diagnostic requirements in the following order : another name(異名), notion of diagnosis pattern, index of differentiation of symptoms and signs(辨證指標), the main point of diagnosis, analysis of diagnosis pattern(證候分析), discrimination of diagnosis pattern(證候鑑別), a way of curing a diseases(治法), prescription(處方), herb in common use(常用藥物), diseases appearing the diagnosis pattern(常見疾病), documents(文獻調査). This study was carried out on the basis of the Chinese documents and references.

春川敎育大學 新入生 選拔基準의 妥當度 分析

심우엽 춘천교육대학교 학생생활연구소 1992 學生生活硏究 Vol.17 No.-

The purpose of the present study was to analyze the predicitve validity and policy of Chuncheon Teachers College(CTC) admission test using the data from 1988, 1990, and 1991 test. Analyed were data from three years' admission tests and GPA's, students' height distribution in high school (359 students sampled) and elementary school (731 students sampled), questionnaires about limit of applicant's height, and sex ratio in selecting successful applicants, which were administered to 250 elementary school teachers, 193 parents of elementary school children. 206 CTC students, and 242 6th graders. Statistical methods used were Pearson correlation coefficients, MANOVA with repeated measures, multiple regression analysis, Scheffe method for post hoc comparisons, and Chi-square test. CTC admission test was Consisted of Achievement Report from High School(ARHS). Scholastic Achievement test for College Admission(SATCA), Aptitude and Personality Test for Teachership(APTT, essay-type written test), and interview. Results were as follows : 1. ARHS and SATCA need to study why the validity was so low in predicing GPA. 2. Predictive validity of required five subjects(Korean, English, Math, Ethics, and Korean history)was higher than that of SATCA composed of the five plus four elective subjects. It needs to find the subject(s) efficient in predicting GPA. 3. Validity of APTT and interview was not so successful in predicting GPA, which may not be fit as a predicted variable from APTT. Contents of both tests should improve successfully. 4. Overall interrater reliabilities of APTT and interview were acceptable. Some of them. however, quite low, need to investigate the reasons. 5. The present limit of applicant's height may not be necessary, because most of the elementary school students like their teacher regardless of teacher's height and sex. Moreover, short teacher seems to have little problem in teaching. 6. Sex ratio in selection of successful applicants should be kept in order to develop well balanced personality of children and decrease overwork of male teachers in elecmentary schools.

顯忠祠의 植栽樹種에 관한 硏究

申宇均,金光東 公州大學校 産業開發硏究所 1996 産業開發硏究 Vol.4 No.-

One of the major reasons for what Hyonch'ungsa was built is handing down the patriotic spirit of General Lee, Sun-sin from generation to generation. It was designated as a historic site (National No. 155) by our government and has been visited by many people including students and tourists. This paper is to explore some problems revealed against the spirit of Chungmugong (General Lee's added name) with realtion to the plants in the sacred area of Hyonch'ungsa. 1. 21.33% of the plants came from foreign countries. They are all considered unproper as historic site plants. 2. Above all, 26.83% of plnats which were from Japan could have diluted the symbolic meaning of Chungmugong. 3. Most of plants around the main building and the relic pavilion which are from abroad including Japan could be come into serious question. 4. Large clusters of exotic plants have tendency of swallowing up the magnificient appearance of the precinct buildings. 5. The growth of the plants close to the buildings keeps the dignified appearance shrunk. 6. The high ratio of planing evergreen trees may deprive us a strong sence of a season. 7. Some kinds of shade trees could be recommended around the thru-way so as to provide us with comfortableness and agreeableness especially in summer times. It is suggested that the plants of foreign origin have to be substituted for those of our own in order to keep the proper meaningness of Hyonch'ungsa.

작용소 공간의 어떤 노름에 관하여

신향근,유우근 順天大學校 師範大學 附屬 科學敎育硏究所 1995 科學과 敎育 Vol.3 No.-

In this paper, we will study that the functor Min : Θ→Ω carries the 2-summing norm π₂. of Banach space theory to the column Hilbert space factorization norm γ₂ For the general operator spaces, some norms similar to the 2 - summing norm in the Banach space coincides with the operator Hilbert space factorization norm.

느릅나무 뿌리껍질 성분의 유방염균에 대한 항균효과

신성진,윤민호,권순경,최우영 충남대학교 농업과학연구소 1999 농업과학연구 Vol.26 No.1

젖소 유방염 병원균에 대한 느릅나무 뿌리껍질(楡白皮)의 항균활성을 검토하기 위하여 용매분획별로 시험한 결과 일반적으로 chloroform 분획이 가장 효과적이었고 butanol 및 물분획의 활성은 낮았다. 유방염균을 Fleish extract broth에서 액체 배양할 경우에 chloroform 분획을 첨가하면 생육이 억제되었으며 특히 Staphylococcus aureus 및 Streptococcus sp. No. 12는 초기생육이 현저하게 저해되는 경향을 나타내었다. Hoechst 제약의 표준방법에 의한 MIC 시험에서도 유사한 결과를 얻었다. 또한 건조한 느릅나무의 뿌리껍질 100g을 물로 추출하여 겉보기 점도 77.5 cP, 최대흡수 파장 440㎚의 황갈색 수용성 점질물 4.500㎖를 회수할수 있었다. 이를 정제 건조한 무게는 32~35g이었으며, 탄수화물 함량이 61.0±1.0%, 단백질 8.0±0.2%로서 다당이 주성분이었다. 이상의 실험결과를 통해 유백피의 용매 추출분획물은 항균활성을 나타내는 성분으로, 그리고 수용성 점질물은 흡수성과 점성이 높은 다당류로서 염증 부위에 수렴작용을 나타내는 성분으로 결론지을 수 있었다. The methanolic extracts from the elm (Ulmus davidiana var japonica) root barks which have been known as an oriental medicine Eubackpie for the treatment of edema, ulcer and inflammation were examined for their bacteriocidal effects on mastitis pathogens of milk cows. The growth of the pathogenic bacteria such as Staphylococcus aureus and Streptococcus sp. No. 12 was markedly inhibited by the chloroform fraction among the extracts, and these antibacterial activities were also supported by MIC test. Water-soluble mucilage was obtained from the root barks with a yield of 36.8∼40.2% bf dry weight basis. This substance appeared to be a kind of polysaccharide with 61.0±1.0% carbohydrate content, and to have hygroscopic and astringent properties due to its high viscosity and water absorption.