• Title/Summary/Keyword: BIS Ratio

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A Study on the Effect of Household Loans on Financial Soundness in Banks (주택담보대출이 국내은행의 재무건전성에 미치는 영향)

  • Huang, Zi Xin;Bae, Soo Hyun
    • The Journal of the Convergence on Culture Technology
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    • v.7 no.4
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    • pp.1-7
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    • 2021
  • The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

The electrical properties change of TIPS-Pentacene due to polymer blending (Polymer blending에 따른 TIPS-Pentacene의 특성 변화)

  • Lim, Chang-Yoon;Kim, Yong-Hoon;Han, Jeong-In
    • Proceedings of the KIEE Conference
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    • 2011.07a
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    • pp.1499-1500
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    • 2011
  • In this paper, we investigated the electrical properties change of 6,13-bis(triisopropyl-silylethynyl) pentacene (TIPS-pentacene) depending on polymer blend. We fabricated organic thin film transistor (OTFT) using blending solution of small molecule and polymer. In this study poly(2-methoxy-5-(2-ethyl-hexyloxy)-1,4-phenylene-vinylene) (MEH-PPV), poly (9-vinylcarbazole) (PVK), poly [N,N'-bis(4-butylphenyl)-N,N'-bis(phenyl)benzidine] (poly-TPD), poly(${\alpha}$-methyl styrene), Poly(methyl methacrylate) (PMMA) are used as a polymer. Fabricated OTFT with blending solution of TIPS-pentacene and PVK shows best performance in this experiment. OTFT fabricated by blending solution of TIPS-pentacene and PVK shows field effect mobility of 0.0189 $cm^2/V{\cdot}s$, on/off ratio of 1.9E-5 and threshold voltage of 7.4 V.

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A Study on Chemical Cyclodehydration of Aromatic Poly(ether-amide-amic acid)s (방향족 폴리(에테르-아미드-아미드산) 중합체의 화학적 탈수 고리화 반응)

  • Ahn, Young Moo
    • Textile Coloration and Finishing
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    • v.7 no.4
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    • pp.39-44
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    • 1995
  • A study has been made about some correlations in the chemical cyclization of precursors, poly(ether-amide-amic acid)s by treating in solution a mixture of acetic anhydride and pyridine in the presence of 4,4-dimethyl formamide, with the poly(ether-amic acid)s being respectively reacted between trimellitic anhydride chloride and 3 kinds of diamines, i.e., 4,4'-bis(m-aminophenoxy) benzophenone, 2,2'-bis[4-(m-aminophenoxy) phenyl] propane and 4,4'-bis(m-aminophenoxy) diphenyl sulfone. The cyclization of imide ring in the poly(ether-amide-amic acid)s may be regarded as an intramolecular acylation of amide group by o-carboxyl group. As a result of this reseach, the effects on the conversion to poly(ether-amide-imide)s have been found by changing the ratio of cosolvents in the cyclization mixture.

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Characteristics of NiO films prepared by atomic layer deposition using bis(ethylcyclopentadienyl)-Ni and O2 plasma

  • Ji, Su-Hyeon;Jang, Woo-Sung;Son, Jeong-Wook;Kim, Do-Heyoung
    • Korean Journal of Chemical Engineering
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    • v.35 no.12
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    • pp.2474-2479
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    • 2018
  • Plasma-enhanced atomic layer deposition (PEALD) is well-known for fabricating conformal and uniform films with a well-controlled thickness at the atomic level over any type of supporting substrate. We prepared nickel oxide (NiO) thin films via PEALD using bis(ethylcyclopentadienyl)-nickel ($Ni(EtCp)_2$) and $O_2$ plasma. To optimize the PEALD process, the effects of parameters such as the precursor pulsing time, purging time, $O_2$ plasma exposure time, and power were examined. The optimal PEALD process has a wide deposition-temperature range of $100-325^{\circ}C$ and a growth rate of $0.037{\pm}0.002nm$ per cycle. The NiO films deposited on a silicon substrate with a high aspect ratio exhibited excellent conformality and high linearity with respect to the number of PEALD cycles, without nucleation delay.

Survival analysis on the business types of small business using Cox's proportional hazard regression model (콕스 비례위험 모형을 이용한 중소기업의 업종별 생존율 및 생존요인 분석)

  • Park, Jin-Kyung;Oh, Kwang-Ho;Kim, Min-Soo
    • Journal of the Korean Data and Information Science Society
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    • v.23 no.2
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    • pp.257-269
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    • 2012
  • Global crisis expedites the change in the environment of industry and puts small size enterprises in danger of mass bankruptcy. Because of this, domestic small size enterprises is an urgent need of restructuring. Based on the small business data registered in the Credit Guarantee Fund, we estimated the survival probability in the context of the survival analysis. We also analyzed the survival time which are distinguished depending on the types of business in the small business. Financial variables were also conducted using COX regression analysis of small businesses by types of business. In terms of types of business wholesale and retail trade industry and services were relatively high in the survival probability than light, heavy, and the construction industries. Especially the construction industry showed the lowest survival probability. In addition, we found that construction industry, the bigger BIS (bank of international settlements capital ratio) and current ratio are, the smaller default-rate is. But the bigger borrowing bond is, the bigger default-rate is. In the light industry, the bigger BIS and ROA (return on assets) are, the smaller a default-rate is. In the wholesale and retail trade industry, the bigger bis and current ratio are, the smaller a default-rate is. In the heavy industry, the bigger BIS, ROA, current ratio are, the smaller default-rate is. Finally, in the services industry, the bigger current ratio is, the smaller a default-rate is.

Gadolinium Complexes of Bifunctional Diethylenetriaminepentaacetic Acid (DTPA)-bis(amides) as Copper Responsive Smart Magnetic Resonance Imaging Contrast Agents (MRI CAs)

  • Nam, Ki Soo;Park, Ji-Ae;Jung, Ki-Hye;Chang, Yongmin;Kim, Tae-Jeong
    • Bulletin of the Korean Chemical Society
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    • v.34 no.10
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    • pp.2900-2904
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    • 2013
  • We present the synthesis and characterization of DTPA-bis(histidylamide) (1a), DTPA-bis(aspartamide) (1b), and their gadolinium complexes of the type $[Gd(L)(H_2O)]$ (2a:L = 1a; 2b:L = 1b). Thermodynamic stabilities and $R_1$ relaxivities of 2a-b compare well with Omniscan$^{(R)}$, a well-known commercial, extracellular (ECF) MRI CA which adopts the DTPA-bis(amide) framework for the chelate: $R_1$ = 5.5 and 5.1 $mM^{-1}$ for 2a and 2b, respectively. Addition of the Cu(II) ion to a solution containing 2b triggers relaxivity enhancement to raise $R_1$ as high as 15.3 $mM^{-1}$, which corresponds to a 300% enhancement. Such an increase levels off at the concentration beyond two equiv. of Cu(II), suggesting the formation of a trimetallic ($Gd/Cu_2$) complex in situ. Such a relaxivity increase is almost negligible with Zn(II) and other endogenous ions such as Na(I), K(I), Mg(II), and Ca(II). In vivo MR images and the signal-to-noise ratio (SNR) obtained with an aqueous mixture of 2b and Cu(II) ion in an 1:2 ratio demonstrate the potentiality of 2 as a copper responsive MRI CA.

Development of Ferrocene-Containing Metal Catalysts for Asymmetric Synthesis (페로센을 이용한 비대칭 유기합성용 금속 촉매의 개발)

  • Oh, Yunghee;Choi, Mi-Jin
    • Applied Chemistry for Engineering
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    • v.10 no.5
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    • pp.804-807
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    • 1999
  • New copper complexes with a ligand, L(L=N,N'-cyclohexane bis(ferrocenylmethylene)amine) which was obtained from ferrocene carboxaldehyde and 1,2-diaminocyclohexane with a mole ratio of 2:1, were prepared and characterized. Those were adapted to asymmetric catalysis. The copper(II) complexes do not work in cyclopropanation of styrene and ethyl diazoacetate but copper(I) complex catalyzes. The Cu(I)LOTf (OTf=trifluorometanesulfonate) shows a good regioselectivity giving high trans to cis ratio of up to 80:20.

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New pH-Sensitive Liposomes Using Bis(6-hemisuccinyloxyhexyl) Fumarate

  • 진지영;이윤식
    • Bulletin of the Korean Chemical Society
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    • v.19 no.6
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    • pp.645-649
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    • 1998
  • In order to develop pH-sensitive liposomes that are stable in plasma, liposomes containing membrane-spanning bipolar amphiphiles as protonatable components were studied. Sonicated small unilamellar liposomes composed of dioleoylphosphatidylethanol amine (DOPE), dioleoylphosphatidylcholine (DOPC) and bis(6-hemisuccinyloxyhexyl) fumarate (BHF) in a 3 : 1 : 1 molar ratio are stable at neutral pH, but destabilized at weakly acidic pH with 50% leakage of entrapped materials at about pH 5.5. The liposomes are relatively stable in plasma such that only a few percent entrapped calcein was released in 50% plasma within 1.5 h incubation at 37 ℃, while about 10% entrapped calcein was released from sonicated liposomes composed of DOPE, DOPC, and oleic acid (OA) in a 3 : 1 : 1 molar ratio under the identical conditions. The aqueous contents mixing and lipid components mixing experiments suggest that the protonation of BHF may induce fusion between the liposomes, followed by the release of the entrapped materials.

Changes in Hydrophobic Surface of Collagen by Chondroitin Sulfate : Fluorescence Intensity Measurements with Bis-ANS as the Probe

  • Kim, Sung-Koo
    • Journal of the Korean Society of Food Science and Nutrition
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    • v.24 no.3
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    • pp.446-453
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    • 1995
  • The improtant components of extracellular matrix(ECM) are collagen and chondroitin sulfate. The hydrophobic surface of collagen is one of the determining factors of diameter of collagen fiber and also is closely related to the aging phenomena. The controlling mechanism of the diameter of collagen fiber influenced by the interaction with chondroitin sulfate was evaluated using bis-ANS as a hydrophobic probe. Hydrophobic surface area of collagen molecule shielded by chondroitin sulfate was evaluated. Relative fluorescence intensity of collagen in thepresence of chondroitin sulfate was measured using bis-ANS as a hydrophobic probe. The fluorescence intensity decreased with the increase in chondroitin sulfate up to 3.8 chondroitin sulfate/collagen(mole/mole). Further increase in the ratio of chondroitin sulfate to collagen did not change the fluorescence intensity. Similar changes in the relative fluorescence intensity were observed for both rat tail and lathyrific rat skin collagen. The fluorescence intensity indicated by the binding between bis-ANS and hydrophobic sites of collagen was pH dependent, and the shielding effect of collagen-chondroitin sulfate interaction could not be detected at pH above 6.0. This is probably due to the charge repulsions caused by negative charged collagen molecules at higher pH.

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Perpendicular Interpenetration of Independent Square Grid Sheets. Synthesis and Structural Properties of $[Co(NCS)_2(Py_2L)_2]_n$($Py_2L$=trans-1,2-Bis(4-pyridyl)ethylene, 1,2-Bis(4-pyridyl)ethane)

  • 박성호;김관묵;이상기;정옥상
    • Bulletin of the Korean Chemical Society
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    • v.19 no.1
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    • pp.79-82
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    • 1998
  • Novel coordination polymers of general form $[Co(NCS)_2(Py_2L)_2]_n\; (Py_2L=trans-1,2-bis(4-pyridyl)ethylene$ (bpee), 1; 1,2-bis(4-pyridyl)ethane (bpea), 2) have been synthesized by slow diffusion of aqueous solution of $Co(NCS)_2$ with ethanolic solution of appropriate spacer ligand, $Py_2L$, in a mole ratio of 1 : 2. X-ray analyses on both 1 and 2 have provided similar unit and infinite structures with space group Ibam. The local geometry around the cobalt(Ⅱ) atoms is an octahedral arrangement with two NCS groups in trans position (N-Co-N, 180.0° (1); 180.0°(2)) and four pyridine units in propeller fashion. Each spacer ligand connects two cobalt(Ⅱ) ions defining the edges of a $[Co(II)]_4$ rhombus. The most fascinating feature is the occurrence of perpendicular interwoven of independent square grid sheets: this is, one molecular network is perpendicularly interpenetrated through the centers of the $[Co(II)]_4$ rhombuses of another independent network with all of the cobalt(Ⅱ) atoms in a coplanar sheet. The physicochemical properties of the present unique structures were studied.