• Journal of the Korean association of regional geographers
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• v.11 no.6
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• pp.620-639
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• 2005

In terms of loan transactions, mortgage volume secured by housing in Korea is the most important market share. Hitherto housing finance policies are treated as a kind of property pricing policy. So it is time to import financial systems on behalf of the mortgage loan consumers like a mortgage broker. A mortgage broker is an intermediary that brings a borrower and a creditor together to obtain a mortgage loan. The broker takes the application, performs a financial and credit evaluation, produces documents, and closes the loan. Especially mortgage brokers present themselves as specifically acting in the interest of the consumer by shopping on behalf of the consumer for the best product that meets the consumer's needs and financial circumstances. The paper investigates the economic role of mortgage broker, foreign systems focused on USA, UK, Japan, and characteristics of Korean housing finance markets. Finally the paper provides policy recommendations about Korean mortgage broker system composed of licensing type, uniform professional practice standard, educational requirements.

• Korean journal of applied entomology
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• v.57 no.4
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• pp.381-392
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• 2018

The distribution of mosquitoes collected in the Cheongju area from 2016-2018 were compared. The collection sites were established at a residential area, migratory bird sanctuary, and cowshed using black light (BL) and BG sentinel traps. Culex pipiens was the most collected species in the residential area, and Aedes vexans was the most collected species in the migratory bird sanctuary and cowshed in all years. The BG trap collected more individuals than did the BL trap in the residential area and migratory bird sanctuary. In total, 22,679 (10 species) mosquitoes were collected in 2016, and 6,502 (8 species) and 6,803 (9 species) mosquitoes were collected in 2017 and 2018, accounting for 3.49- and 3.33-fold decreases, respectively. The relationship between meteorological conditions and mosquito density, according to various variables, was not significant different. The Chaoyang virus was found in Aedes vexans and Culex pipiens collected at the cowshed in 2016 and 2018, respectively. Based on the results of this study, it is considered that continuous surveillance of mosquitoes should be performed for controlling mosquito populations and mediating diseases spread by this vector.

• Proceedings of the Korean Society of Computer Information Conference
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• 2023.01a
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• pp.165-166
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• 2023

물환경정보시스템에서 하천의 수질을 측정한 자료를 대상으로 DMS(Digital Mosquito Monitoring System)가 설치된 위치와 수질 측정지 위치가 가까운 4개 지점에 대한 수질 측정 성분과 모기지수의 연관성을 분석하였다. 수질 기준 외 측정 성분과 모기지수의 상관관계는 총질소(T-N), 용존총질소(TDN), 인산염인이 연관성이 높은 것으로 나타났다. 이 중에서 인산염인은 모기지수와 양적 선형관계를 이루는데, 인산염은 수중에 부영양화를 일으키는 성분 중 하나다. 수질 측정지는 비료의 영향보다는 오수의 유입으로 인산염이 과잉공급되는 것으로 보였다. 따라서 매년 바뀌는 모기지수 산출식의 지연일자 데이터에 부영양화 지수를 넣음으로써 모기지수의 정확도를 보완할 수 있을 것으로 판단된다.

• Korean Journal of Environmental Biology
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• v.38 no.1
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• pp.189-196
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• 2020

Mosquitos serve as vectors for diseases, causing inconvenience as well as a threat to human life and health. Concern about mosquitos introducing and spreading new diseases has been intensifying. We observed a variety of mosquito habitats based on land cover classification from Korea's Ministry of Environment, and the mosquito species that could appear were classified according to the each habitat type. Finally, we suggested the best control methods for each type of habitat considering habitat characteristics and the ecological traits of mosquitos. Urban areas harbor various habitats for pests, contributing significantly to mosquito habitats. Control must be performed regarding larva and adults because various sources for habitats exist. Public mosquito control programs such as educational training, as well as information brochures can be effective in managing mosquito populations and public health. Agricultural areas show high densities of mosquito larva to lentic zones such as reservoirs, wetlands, paddy fields. So, biological control using natural predators may be effective in controlling mosquito populations. Forests are major habitats for Aedes albopctus, so physical controls should be deployed for residents living nearby, and excessive deforestation should be minimized. Other areas including aquatic ecosystems should be adopted regarding biological control using Bti (Bacillus thuringiensis var. israelensis) and chemical control for eradicating mosquitos. We classified habitats into four types of land cover patterns considering ecological traits and habitat preference, and suggest adequate control methods for each habitat type. Our suggestion can be used to positively contribute toward effective managing mosquito's density and reducing the damage to public health.

• The Korean Journal of Financial Management
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• v.24 no.3
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• pp.29-62
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• 2007

We examine the methods to increase MBS values given parameters of default risks of individual mortgages and their correlation, and analyze the effects of these parameters on the efficiency of the methods. First, the values of MBS can be improved when they are comprised of low-correlation mortgages regardless of specific forms of investors' utility functions. Second, the values of MBS can also be raised even after their components mortgages are determined. More specifically, when investors' utilities are heterogeneous, CMO's of a less risky tranche and a riskier tranche are highly valued compared with pass-through securities of two identical tranches. When investors' utilities are homogeneous(risk averse), however, the latter meets the needs of investors better than the former does. Third, it can be shown that the efficiency of the methods in this paper is an increasing function of default risks of mortgage loans or of the correlation between them, and a decreasing function of the amount of the price fall of MBS when in default.

• 주택과사람들
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• s.208
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• pp.6-9
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• 2007

• Journal of Digital Convergence
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• v.19 no.2
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• pp.13-19
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• 2021

The purpose of this study is to find a reasonable solution that is compatible with the government's policy on calming the overheated housing market and the needs of prospective home buyers. For this purpose, this study analyzed the current state of the housing market and looked at the root cause of the people's desire to purchase housing. And this study suggested the need to introduce a super-long-term mortgage system that can help people choose whether to own or rent a house in accordance with individual preferences. The super-long-term mortgage system would be useful in that the majority of people who currently use mortgages prefer long-term loan products and that it could provide a chance to "get their own homes" by easing the monthly repayment burden for those who want to have homes. If the system is introduced in the future, it is necessary to make efforts for stable operation such as risk-hedge. In particular, the government should apply a limited application to end-users so that they can curb rising housing prices and contribute to stabilizing housing prices.

• Korean journal of applied entomology
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• v.42 no.2
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• pp.125-132
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• 2003

Seasonal fluctuations in density of mosquito species were investigated at two cow sheds near to a large, reedy marsh with fairly polluted brackish water near the coast of Yongam-ri, Cheongryang-myon, Ulsan, Korea. Female mosquitoes were collected biweekly using Nozawa light traps from March to September, from 1999 to 2001. On average, 4,416.1, 5,505.9 and 6,863.8 females per trap night were collected from 10 species in 5 genera in 1999, 2000 and 2001, respectively. Among them, An. sinensis was most abundant (53.4% in species ratio), followed by Cx. tritaeniorhynchus (43.0%), Cx. inatomii (1.6%), Ochlerotatus dorsalis (1.3%) and Cx. pipiens pallens (0.5%). A malaria vector, An. sinensis and a Japanese encephalitis vector, Cx. tritaeniorhynchus were collected 3,663.3 females and 3,142.5 females per trap night from June to September for the years, respectively. According to the biweekly population changes at the area, Cx. inatomii which was dominant species in 1997, was the most abundant in the early July during 1999-2001.

• The Journal of Aerospace Industry
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• s.50
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• pp.41-61
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• 1999

• Proceedings of the Korean Operations and Management Science Society Conference
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• 1988.10a
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• pp.15-15
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• 1988