• Title/Summary/Keyword: 은행관계

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The Absorption and Purification of Air Pollutants and Heavy Metals by Selected Trees in Kwangju (광주지역(光州地域)에서 주요(主要) 수목(樹木)의 대기오염물질(大氣汚染物質)과 중금속(重金屬) 흡수(吸收) 정화기능(淨化機能)에 관(關)한 연구(硏究))

  • Cho, Hi Doo
    • Journal of Korean Society of Forest Science
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    • v.88 no.4
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    • pp.510-522
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    • 1999
  • The air pollutants ; $SO_2$, $SO{_4}^{-2}$, $NO{_3}^-$, $Cl^-$ are absorbed into soils through falling with dusts and rain from the atmosphere. The sources of heavy metal contaminants in the environments are agricultural and horticultural materials, sewage sludges, fossil fuel combustion, metallurgical industries, electronics and waste disposal etc.. The soils and hydrosphere can be polluted on the way of the circulation of these heavy metals. Studied pollutant anions are $SO{_4}^{-2}$, $NO{_3}^-$ and $Cl^-$ and heavy metals are Se, Mo, Zn, Cd, Pb, Mn, Cr, Co, V, As, Cu and Ni which are the elements to be concerned with the essentials for plants, with animal and human health. This study is with the aim of selecting the species of roadside trees and green space trees which have excellent absorption of air pollutants and heavy metals from the atmosphere and the soils in the urban area. Two areas are designated to carry out this study : urban area ; Kwangju city and rural area ; the yard of Forest Environment Institute of Chollanam-do, at Sanje-ri, Sampo-myum, Naju city, Chollanam-do (23km away from Kwangju). This study is carried out to understand the movement of anions and heavy metals from the soils to the trees in both areas, the absorption of anions and heavy metals from atmosphere into leaves and the amounts of anions and heavy metals in leaves and fine roots(< 1mm dia.) of roadside trees and green space trees in Kwangju and trees in the yard of Forest Environment Institute of Chollanam-do. The tree species selected for this study in both areas are Ginkgo biloba, Quercus acutissima, Cedrus deodara, Platanus occidentalis, Robinia pseudoacacia, Alnus japonica. Metasequoia glyptostroboides. Zekova serrata. Prunus serrulata var. spontanea, and Pinus densiflora. The results of the study are as follows : 1. $SO{_4}^{-2}$, $NO{_3}^-$ and $Cl^-$ concentrations are higher in the soils of the urban area than in those of the rural area, and $NO{_3}^-$ and $SO{_4}^{-2}$ are higher in the leaves than in the roots due to the absorption of the these pollutants through the stomata. 2. Ginkgo biloba, Robinia pseudoacacia. Zekova serrata, Quercus acutissima, and Platanus occidentalis can be adequated to the roadside trees and the environmental trees due to their good absorption of $NO{_3}^-$ and $SO{_4}^{-2}$. 3. Heavy metals in the soils of both areas are in the order of Mn > Zn > V > Cr > Pb > Ni > Cu > Mo> Cd, and in the leaves and roots of the trees in the both areas are in the order of Mn>Zn>Cr>Cu>V>Ni. Both orders are similar ones except V. There are more in the urban soils than in the rural soils in amount of Mn, Zn, Pb, V, Cu. 4. It is supposed that there is no antagonism between Mn and Zn in this study. 5. Se, Co and As are not detected in the soils, the leaves and the roots in both areas. Sn, Mo, Cd and Pb are also not detected in the leaves and roots in spite of considerable amount in the soils of both areas.

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Phylogenetic Analysis of Korean Native Aster Plants Based on Internal Transcribed Spacer (ITS) Sequences (ITS 염기서열을 이용한 한국산 참취속 식물의 유연관계분석)

  • Hong, Su-Young;Cho, Kwang-Soo;Yoo, Ki-Oug
    • Horticultural Science & Technology
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    • v.30 no.2
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    • pp.178-184
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    • 2012
  • This study was carried out to decide ITS (internal transcribed spacer) sequence of some Korean native $Aster$ species and to resolve their relationship among Korean native $Aster$, including $Kalimeris$, $Gymnaster$, $Heteropappus$ genus separated from $Aster$ in a previously study based on the pappus length. We registered 11 ITS sequences of $Aster$ species including $A.$ $glehni$ to GenBank and those sequences were used for the cluster analysis with $Kalimeris$ species. The size of ITS1 was varied from 248 to 256 bp, while ITS2 was varied from 220 to 222 bp. The G + C content of the ITS region ranged from 49.4 to 53.5%. Pairwise comparison results showed that the substitution rate of ITS1 and ITS2 region was 9% and 10%, respectively. $Kalimeris$ sensu strict substitution rate was lower than that of $Aster$ sensu strict species. The strict consensus parsimonious cluster analysis showed $A.$ $tripolium$ is the first branching from the clade and the next is $A.$ $scaber$. The $Kalimeris$ species except for the $A.$ $hispidus$ were grouped into the same clade with high bootstrap value (91%) within $Aster$. $Gymnaster$ and $Heteropappus$ that has been classified by morphological characters were also grouped into broad sense $Aster$ clade. These results implied these three genera could be merged together into $Aster$ based on the ITS sequences.

Genetic Diversity in the Major Surface Protein Gene of Theileria Buffeli in Korean Indigenous Cattle (국내 한우의 타일레리아 주요항원단백질 유전자의 다양성)

  • Yu, Do-Hyeon;Li, Ying-Hua;Chae, Joon-Seok;Park, Jin-Ho
    • Journal of Veterinary Clinics
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    • v.27 no.5
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    • pp.501-507
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    • 2010
  • The aim of the current study was to analyze the diversity of the major surface protein (Msp) gene in Theileria buffeli, which is known as the major antigenic protein recognized by the immune system of the host. In addition, we characterized the diversification of the Msp gene and its relationship to with the pathogenicity of Theileria. Complete blood counts (CBC) and Theileria 18S rRNA PCR sequence analysis were performed for 177 Korean indigenous cattle (KIC) in Jeju Island. A total of 28 KIC (16 anemic and 12 non-anemic KIC) were then randomly selected based on 18s rRNA PCR positive samples for sequence analysis of the Theileria Msp gene, which was performed twice for each specimen. The resulting 56 Msp gene sequences were classified into five antigenicity types (type I to V), according to the variable region (517-571 bp), which exhibited high similarity (${\geq}$ 98.9%) to several available GenBank sequences (Theileria spp. from China-EU584237; T. sergenti from China-DQ078264; Theileria spp. from Thailand-AB081329; Theileria spp. from Japan-AB218442; T. sergenti from Japan-AB016280). The 56 Msp sequences consisted of 22, 15, 9, 8, and 2 cases of type I to type V Msp genes, respectively. The most prevalent type in both anemic and non-anemic KIC was type I (37.5% in anemic and 41.7% in non-anemic). Among the remaining types, type II was the most prevalent (37.5%) in anemic KIC, while type IV was the most prevalent (25%) in non-anemic KIC. The results of our study help confirm the diversity of Msp gene types and demonstrate that the gene type distribution of Msp genes varies among Theileria-infected KIC in Jeju Island.

A Study on the Impact of SNS Usage Characteristics, Characteristics of Loan Products, and Personal Characteristics on Credit Loan Repayment (SNS 사용특성, 대출특성, 개인특성이 신용대출 상환에 미치는 영향에 관한 연구)

  • Jeong, Wonhoon;Lee, Jaesoon
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.18 no.5
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    • pp.77-90
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    • 2023
  • This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

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Exploring Branch Structure across Branch Orders and Species Using Terrestrial Laser Scanning and Quantitative Structure Model (지상형 라이다와 정량적 구조 모델을 이용한 분기별, 종별 나무의 가지 구조 탐구)

  • Seongwoo Jo;Tackang Yang
    • Korean Journal of Agricultural and Forest Meteorology
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    • v.26 no.1
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    • pp.31-52
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    • 2024
  • Considering the significant relationship between a tree's branch structure and physiology, understanding the detailed branch structure is crucial for fields such as species classification, and 3D tree modelling. Recently, terrestrial laser scanning (TLS) and quantitative structure model (QSM) have enhanced the understanding of branch structures by capturing the radius, length, and branching angle of branches. Previous studies examining branch structure with TL S and QSM often relied on mean or median of branch structure parameters, such as the radius ratio and length ratio in parent-child relationships, as representative values. Additionally, these studies have typically focused on the relationship between trunk and the first order branches. This study aims to explore the distribution of branch structure parameters up to the third order in Aesculus hippocastanum, Ginkgo biloba, and Prunus yedoensis. The gamma distribution best represented the distributions of branch structure parameters, as evidenced by the average of Kolmogorov-Smirnov statistics (radius = 0.048; length = 0.061; angle = 0.050). Comparisons of the mode, mean, and median were conducted to determine the most representative measure indicating the central tendency of branch structure parameters. The estimated distributions showed differences between the mode and mean (average of normalized differences for radius ratio = 11.2%; length ratio = 17.0%; branching angle = 8.2%), and between the mode and median (radius ratio = 7.5%; length ratio = 11.5%; branching angle = 5.5%). Comparisons of the estimated distributions across branch orders and species were conducted, showing variations across branch orders and species. This study suggests that examining the estimated distribution of the branch structure parameter offers a more detailed description of branch structure, capturing the central tendencies of branch structure parameters. We also emphasize the importance of examining higher branch orders to gain a comprehensive understanding of branch structure, highlighting the differences across branch orders.

Method of Nitrate Nitrogen Determination for Plant, Soil and Water Analysis by E. coil Cells (E. coli 세포(細胞)를 이용한 식물(植物), 토양(土壤) 및 수질(水質)의 질산태(窒酸態) 질소(窒素) 분석방법(分析方法))

  • Sohn, Sang Mok;Kucke, Martin;Lee, Yoon Gun
    • Korean Journal of Soil Science and Fertilizer
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    • v.30 no.4
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    • pp.361-369
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    • 1997
  • A microbiological nitrate determination method by E. coli is modified in Korea, using K12 wildtype, KCTC 1116, for the quantitative reduction of $NO_3{^-}$ to $NO_2{^-}$. The nitrate in plant, soil or water sample is determined spectrophotometrically after being diazotized with sulfaniamide and N-(1-naphthl)-ethlenediamine. The modified E. coli cell method and principle for nitrate determination using Korean wildtype E. coli strain is described, and cell culture and preparation of stock suspension for E. coli as well. This modified E. coli cell method can be managed simply and fast, it is suitable for the investigation of the large serials, it can be also automated and has a high degree of sensitivity up to 0.01ppm $NO_3{^-}-N$ in the sample solution. The applicability of the modified E. coli cell method has been tested for plant, soil and water analysis on a wide range of different samples. Recovery rates of added nitrate have been determined and comparisons with other standard nitrate analytical procedures have been carried out. The results with the modified E. coli cell method show high correlation ($r^2=0.98$) with those gained by the standard analytical procedures. The advantages and disadvantages of the method are also discussed to other nitrate determination methods.

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The Characteristics of Heavy Metal Distributions in the Tissues of Feral Pigeon (Columba livia) as a Bio-monitoring Indicator (환경오염 지표종인 집비둘기의 생체조직 내 중금속 분포 특성)

  • Lee, Jangho;Lee, Jongchun;Park, Jong-Hyouk;Lee, Eugene;Shim, Kyuyoung;Jang, Heeyeon;Kim, Myungjin
    • Journal of Environmental Impact Assessment
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    • v.25 no.6
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    • pp.502-513
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    • 2016
  • In this study, heavy metal distributions in the tissues of feral pigeon (Columba livia) were characterized using samples collected from bio-monitoring sites (Hangang Park and Hampyeong Park) of the NESB (National Environmental Specimen Bank), Korea, in order to evaluate the feasibility of feral pigeons as an indicator for the environmental monitoring. Cadmium (Cd) was analyzed to be accumulated in kidneys at higher concentration than in the other tissues. Such trend can also be found in the reviews on the Cd accumulations of the 34 cases including 17 avian species which showed that 31 cases had the highest Cd concentrations in the kidney among tissues. However, lead (Pb) was found to be richest in the bones in this study. 17 cases out of 30 reviewed cases had the highest Pb concentration in bones, whereas other 10 cases showed the highest concentration in kidneys, and 3 cases in livers. Therefore, kidneys together with bones can be a main target organ to test cadmium exposure to different habitat environments depending on physiological traits of birds. Zinc (Zn) was found to be the highest concentration in the pigeon livers of Hangang Park, but not in the bones. In contrast, the 13 cases of 16 reviewed cases had the highest Zn concentration in bones, and the 3 cases in livers. In addition, the heavy metal distribution patterns in relations to the metal accumulation mechanisms (a competition between Pb and Ca, a function of methallothionein protein, and etc.) were discussed.

A Study on the Influence of Nascent Entrepreneurs Motivation and Preparation on the Business Continuity: Based on the Mediation Effect of Start-up Satisfaction (초기창업자의 창업동기와 창업준비가 사업계속의도에 미치는 영향에 관한 연구: 창업만족도의 매개효과를 중심으로)

  • Han, Hyang Won;Ha, Kyu Soo
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.15 no.5
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    • pp.77-98
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    • 2020
  • Recently, the government provided about 35 trillion won to start-ups through a large amount of start-up support funds from the Korea Credit Guarantee Fund and the Korea Development Bank, and more than 100 trillion won to start-ups over the past three years.(2015-2018) The Ministry of SMEs and Startups announced that a total of 1.4517 trillion won will be supported by 16 ministries (90 projects) after surveying start-up support projects by ministries in 2020 to create a start-up country. Indeed, among the budgets supported by the Ministry of SMEs and Startups, startups accounted for 85%, while scale-ups (growth and maturity) were only 15%. However, the survival rate of Korean start-ups was far lower than that of developed countries. The survival rate for the three years after the start-up was 39.1 percent, with only about 4 out of 10 surviving, with 27.5 percent surviving for five years, and only 3 out of 10 surviving. On the other hand, overseas start-ups have a survival rate of twice as high as that of Korea for five years. Accordingly, this study aims to empirically analyze and examine the need for research on nascent entrepreneurs, which have recently been actively supported by the government, as well as the impact of start-up motivation and start-up preparation on the intention to continue business. The survey was conducted from April 1 to May 15, 2020 for nascent entrepreneurs nationwide, and 222 of the total 245 copies were analyzed, and the questionnaire was measured using the Likert 5-point scale. As a result of the analysis, first, all factors constituting start-up motivation were adopted by significantly affecting start-up satisfaction. In addition, among the sub-factors of nascent entrepreneurs' preparation, item preparation was adopted as a significant influence on start-up satisfaction. Second, the nascent entrepreneurs' satisfaction level was adopted by having a significant impact on the business continuity. Third, some of the motivations for self-realization of the motivation for start-ups were adopted by having a significant impact on the business continuity. In addition, the preparation of items for the start-up preparation of nascent entrepreneurs was partially adopted as they had a significant impact on the business continuity. Fourth, it was adopted by the mediation effect of start-up satisfaction between the motivation of the nascent entrepreneurs' preparation and the business continuity. In addition, it was adopted by the medium effect of start-up satisfaction between the nascent entrepreneurs' preparation and the business continuity. Based on the results of these studies, it is intended to draw practical implications, and to provide useful policy implications to increase nascent entrepreneurs' satisfaction and continue to carry out their start-ups.

An Alternative Approach for Setting Equilibrium Prices of Sericultural Products (잠사류의 균형 가격모색)

  • 이질현
    • Journal of Sericultural and Entomological Science
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    • no.12
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    • pp.47-50
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    • 1970
  • There are many factors affecting the development of sericultural industry in Korea. The setting of a rational pricing system for sericultural products is one of important activities of the Korean Government to improve the incentives to producers. The determination o: the prices for many years were based on the production costs including a certain level of profits. Some of cost items are in conflict both in cocoon producers and silk-reeling industries. Government officials have to evaluate these conflicting problems and estimate the consequences of their decisions. In this situation the final decision often became political decisions. This analysis is aimed at providing an alternative method of setting the prices of sericultural products. The criteria of the equilibrium employed in this analysis are based on economic principle which equilibrium condition is determined by the relationships between the marginal productivity of input factors and factor prices. In order to obtain the related information Cobb-Douglas'functions were fitted using KIST computer and data were obtained mostly from the Bank of Korea and the Ministry of Agriculture and Forestru, An important assumption is that "Opportunity Costs" of factors input in both cocoon production and silk-Peeling industries are same, The major finding s obtained are as followings. 1) The sum of coefficient of production elastisity in silk-reeling industries is greater than one. Silk-reeling industries are operating under the situation of increasing return to scale and it is, therefore, expected to develop the industries as the capital-intensive large scale. 2) The cocoon producing farmers are under the situations of the decreasing return to scale and it is expected to continue their cocoon farming as the labor-intensive small scale, assuming the present level of production technology. As the development of commercial farming, the resources input in cocoon production will be shifted to the production for higher profitable crops, 3) The price elastisity of production is higher in cocoon production than in silk-reeling industries. It is expected that the price changing effects on domestic production will be resulted from cocoon producers. 4) Based on analysis results of marginal productivities and the opportunity costs of resources, cocoon price for meeting equilibrium price condition is to be increased by 8-16 percent or standard price level of silk increased by 6-8 percent. There were the possibilities of over evaluation on opportunity cost of resources input in silk-reeling industries, or income transfered from the farmers to the industries. It is recommended that the prices for meeting equilibrium price conditions are to be determined by 72 percent for cocoon and 28 percent for silk-reeling costs, based on standard level of the exporting prices.

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Quantitative Analysis of Amylose and Protein Content of Rice Germplasm in RDA-Genebank by Near Infrared Reflectance Spectroscopy (근적외선 분광분석법을 이용한 벼 유전자원의 아밀로스 함량과 단백질 함량 정량분석)

  • Kim, Jeong-Soon;Cho, Yang-Hee;Gwag, Jae-Gyun;Ma, Kyung-Ho;Choi, Yu-Mi;Kim, Jung-Bong;Lee, Jeong-Heui;Kim, Tae-San;Cho, Jong-Ku;Lee, Sok-Young
    • KOREAN JOURNAL OF CROP SCIENCE
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    • v.53 no.2
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    • pp.217-223
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    • 2008
  • Amylose and protein contents are important traits determining the edible quality of rice, especially in East Asian countries. Near-Infrared Reflectance Spectroscopy (NIRS) has become a powerful tool for rapid and nondestructive quantification of natural compounds in agricultural products. To test the practically of using NIRS for estimation of brown rice amylose and protein contents, the spectral reflectances ($400{\sim}2500\;nm$) of total 9,483 accessions of rice germplasm in Rural development Administration (RDA) Genebank ere obtained and compared to chemically determined amylose and protein content. The protein content of tested 119 accessions ranged from 6.5 to 8.0% and 25 accessions exhibited protein contents between 8.5 to 9.5%. In case of amylose content, all tested accessions ranged from 18.1 to 21.7% and the grade from 18.1 to 19.9% includes most number of accessions as 152 and 4 accessions exhibited amylose content between 20.5 to 21.7%. The optimal performance calibration model could be obtained from original spectra of brown rice using MPLS (Modified Partial Least Squares) with the correlation coefficients ($r_2$) for amylose and protein content were 0.865 and 0.786, respectively. The standard errors of calibration (SEC) exhibited good statistic values: 2.078 and 0.442 for amylose and protein contents, respectively. All these results suggest that NIR spectroscopy may serve as reputable and rapid method for quantification of brown rice protein and amylose contents in large numbers of rice germplasm.