• Title/Summary/Keyword: Bank Regulation

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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.

Flood-Flow Managenent System Model of River Basin (하천유역의 홍수관리 시스템 모델)

  • Lee, Soon-Tak
    • Water for future
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    • v.26 no.4
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    • pp.117-125
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    • 1993
  • A flood -flow management system model of river basin has been developed in this study. The system model consists of the observation and telemetering system, the rainfall forecasting and data-bank system, the flood runoff simulation system, the dam operation simulation system, the flood forecasting simulation system and the flood warning system. The Multivariate model(MV) and Meterological-factor regression model(FR) for rainfall forecasting and the Streamflow synthesis and reservoir regulation(SSARR) model for flood runoff simulation have been adopted for the development of a new system model for flood-flow management. These models are calibrated to determine the optimal parameters on the basis of observed rainfall, streamflow and other hydrological data during the past flood periods. The flood-flow management system model with SSARR model(FFMM-SR,FFMM-SR(FR) and FFMM-SR(MV)), in which the integrated operation of dams and rainfall forecasting in the basin are considered, is then suggested and applied for flood-flow management and forecasting. The results of the simulations done at the base stations are analysed and were found to be more accurate and effective in the FFMM-SR and FFMM0-SR(MV).

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A Basic Study on the Flood-Flow Forecasting System Model with Integrated Optimal Operation of Multipurpose Dams (댐저수지군의 최적연계운영을 고려한 유출예측시스템모형 구축을 위한 기초적 연구)

  • 안승섭
    • Magazine of the Korean Society of Agricultural Engineers
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    • v.37 no.3_4
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    • pp.48-60
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    • 1995
  • A flood - flow forecasting system model of river basins has been developed in this study. The system model consists of the data management system(the observation and telemetering system, the rainfall forecasting and data-bank system), the flood runoff simulation system, the reservoir operation simulation system, the flood forecasting simulation system, the flood warning system and the user's menu system. The Multivariate Rainfall Forecasting model, Meteorological factor regression model and Zone expected rainfall model for rainfall forecasting and the Streamflow synthesis and reservoir regulation(SSARR) model for flood runoff simulation have been adopted for the development of a new system model for flood - flow forecasting. These models are calibrated to determine the optimal parameters on the basis of observed rainfall, 7 streamfiow and other hydrological data during the past flood periods.

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STEPS TOWARD HALON PHASE-OUT, PROPOSED SUBSTITUTES AND ALTERNATIVE FOR FIXED FIRE SUPPRESSION SYSTEMS

  • Msc.Fpe, Suprapto;Rahardja, Nugraha-B
    • Proceedings of the Korea Institute of Fire Science and Engineering Conference
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    • 1997.11a
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    • pp.564-572
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    • 1997
  • Following the ratification of Vienna Convention for Ozone Layer Protection and Montreal Protocol, Indonesia will implement the phasing-out of to halon at end 1996. Questions are increasing especially from the users where halon has used for many years as the most effective fire extinguishing agent, concerning halon substitutes, alternative systems as well as the handling and utilization of the existing halon. Halon can still be used for critical and essential uses, however, such usage has been gradually eliminated, due to the emergence of halon-like replacement. A concept of halon banking system is proposed to considered, taking into account several aspects such as enforced regulation, institutional involvement technology as well as financing. This paper gives a general overview regarding phase-out implementation, alternative extinguishing systems and concept on halon banking system with special reference to Indonesian case.

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The Effect of Mesenchymal Stem Cells on the Activation of Dendritic Cells in the Cell Culture Insert System (세포배양삽입체계(Cell Culture Insert System)에서 중간엽 줄기세포(Mesenchymal Stem Cell)가 수지상세포(Dendritic Cell)의 활성화에 미치는 영향)

  • Kim, Kee Won;Park, Suk Young;Lee, Kyung Bock;Kim, Hyun-su
    • IMMUNE NETWORK
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    • v.4 no.2
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    • pp.88-93
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    • 2004
  • Background: Bone marrow mesenchymal stem cells (MSC) inhibit the immune response of lymphocytes to specific antigens and dendritic cells (DC) are professional antigenpresenting cells whose function is to present antigen to naive T-lymphocytes with high efficiency and play a central role in the regulation of immune response. We studied the effects of MSC on DC to evaluate the relationship between MSC and DC in transplantation immunology. Methods: MSC were expanded from the bone marrow and DC were cultured from peripheral blood mononuclear cells (PBMNC) of 6 myelogenous leukemia after achieving complete response. Responder cells isolated from PBMNC and lysates of autologous leukemic cells are used as tumor antigen. The effect of MSC on the DC was analyzed by immunophenotype properties of DC and by proliferative capacity and the amount of cytokine production with activated PBMNC against the allogeneic lymphocytes. Also, cytotoxicity tests against leukemic cells studied to evaluate the immunologic effect of MSC on the DC. Results: MSC inhibit the CD83 and HLA-class II molecules of antigen-loaded DC. The proliferative capacity and the amount of INF-$\gamma$ production of lymphocytes to allogeneic lymphocytes were decreased in DC co-cultured with MSC. Also the cytotoxic activity of lymphocytes against leukemic cells was decreased in DC co-cultured with MSC. Conclusion: MSC inhibit the activation and immune response of DC induced by allogeneic or tumor antigen.

A Study on the Biological Treatment of RO Concentrate Using Aerobic Granular Sludge (호기성 그래뉼 슬러지를 이용한 RO 농축수의 생물학적 처리에 관한 연구)

  • Kim, Hyun Gu;Ahn, Dae Hee;Cho, Eun Ha;Kim, Han Yong;Ye, Hyoung Young;Mun, Jung Soo
    • Journal of Korean Society of Environmental Engineers
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    • v.38 no.2
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    • pp.79-86
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    • 2016
  • The purpose of this study is to efficiently improve biological sequencing batch reactor (SBR) system of high-concentrated nitrate nitrogen in reverse osmosis (RO) concentrates by total dissolved solids (TDS) regulation. Since a laboratory-scale SBR system had been operated, we had analyzed specific denitrification rate (SDNR) and specific oxygen uptake rate (SOUR) for microbial activity in according to various injection concentration of TDS. As a result, higher injection concentration of TDS decreased SDNR, and delayed denitrification within denitrification process. Moreover, the higher injection concentration of TDS was, the lower microbial activity was during operation of laboratory-scale SBR system. Therefore, the regulation of TDS injection concentration is necessary to improve efficiency of nitrate nitrogen in the biological SBR system, and treatment of calcium ion ($Ca^{2+}$) is also specifically focused to remove nitrate nitrogen. Moreover, analytical data of SDNR and SOUR can be the effective kinetic design parameters to application of biological treatment of RO concentrate by aerobic granular sludge (AGS).

Oxidative Stress and Antioxidants in Disease and Cancer: A Review

  • Gupta, Rakesh Kumar;Patel, Amit Kumar;Shah, Niranjan;Choudhary, Arun Kumar;Jha, Uday Kant;Yadav, Uday Chandra;Gupta, Pavan Kumar;Pakuwal, Uttam
    • Asian Pacific Journal of Cancer Prevention
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    • v.15 no.11
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    • pp.4405-4409
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    • 2014
  • Reactive oxygen species (ROS), highly reactive molecules, are produced by living organisms as a result of normal cellular metabolism and environmental factors, and can damage nucleic acids and proteins, thereby altering their functions. The human body has several mechanisms to counteract oxidative stress by producing antioxidants. A shift in the balance between oxidants and antioxidants in favor of oxidants is termed as "oxidative stress". Paradoxically, there is a large body of research demonstrating the general effect of oxidative stress on signaling pathways, less is known about the initial and direct regulation of signaling molecules by ROS, or what we term the "oxidative interface." This review focuses on the molecular mechanisms through which ROS directly interact with critical signaling molecules to initiate signaling in a broad variety of cellular processes, such as proliferation and survival (MAP kinases and PI3 kinase), ROS homeostasis, and antioxidant gene regulation (Ref-1 and Nrf-2). This review also deals with classification as well as mechanisms of formation of free radicals, examining their beneficial and deleterious effects on cellular activities and focusing on the potential role of antioxidants in preventing and repairing damage caused by oxidative stress. A discussion of the role of phytochemical antioxidants in oxidative stress, disease and the epigenome is included.

Nonribosomal Peptide Synthase is Responsible for the Biosynthesis of Siderophore in Vibrio vulnificus MO6-24/O

  • Kim, In-Hwang;Shim, Jung-Im;Lee, Ko-Eun;Hwang, Won;Kim, Ik-Jung;Choi, Sang-Ho;Kim, Kun-Soo
    • Journal of Microbiology and Biotechnology
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    • v.18 no.1
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    • pp.35-42
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    • 2008
  • Vibrio vulnificus produces siderophores, low-molecular-weight iron-chelating compounds, to obtain iron under conditions of iron deprivation. To identify genes associated with the biosynthesis of siderophore in V. vulnificus MO6-24/O, we screened clones with mini-Tn5 random insertions for those showing decreased production of siderophore. Among 6,000 clones screened, nine such clones were selected. These clones contain the transposon inserted in VV2_0830 (GenBank accession number) that is a homolog of a nonribosomal peptide synthase (NRPS). There is an another NRPS module, VV2_0831, 49-bp upstream to VV2_0830. We named these two genes vvs (Vibrio vulnificus siderophore synthase) A and B, respectively. Mutation of either vvsA or vvsB showed a decreased production of siderophore. The expression of an NRPS-lux fusion was negatively modulated by the presence of iron, and the regulation was dependent on Fur (ferric uptake regulator). However, the expression of the NRPS genes was still not fully derepressed in the iron-rich condition, even in furnull mutant cells, suggesting that some other unknown factors are involved in the regulation of the genes. We also demonstrated that the NRPS genes are important for virulence of the pathogen in a mice model.

In Silico Docking Studies of Selected Flavonoids - Natural Healing Agents against Breast Cancer

  • Suganya, Jeyabaskar;Radha, Mahendran;Naorem, Devi Leimarembi;Nishandhini, Marimuthu
    • Asian Pacific Journal of Cancer Prevention
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    • v.15 no.19
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    • pp.8155-8159
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    • 2014
  • Background: Breast cancer is the serious health concern in India causing the highest mortality rate in females, which occurs due to uncontrolled cell division and can be metastasize to other parts of the human body. Interactions with estrogen receptor (ER) alpha are mainly responsible for the malignant tumors with regulation of the transcription of various genes as a transcription factor. Most of the drugs currently used for the breast cancer treatment produce various side effects and hence we focused on natural compounds which do not exhibit any toxic effect against normal human cells. Materials and Methods: Structure of human ER was retrieved from the Protein Data Bank and the structures of flavonoid compounds have been collected from PubChem database. Molecular docking and drug likeness studies were performed for those natural compounds to evaluate and analyze the anti-breast cancer activity. Results: Finally two compounds satisfying the Lipinski's rule of five were reported. The two compounds also exhibited highest binding affinity with human ER greater than 10.5 Kcal/mol. Conclusions: The results of this study can be implemented in the drug designing pipeline.

Filter Design to Eliminate Motion Artifact of Pulse Oximetery (펄스 옥시메터의 동잡음 제거 필터 설계)

  • 이주원;이종희;강익태;김경하;이건기
    • Journal of Biomedical Engineering Research
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    • v.22 no.5
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    • pp.431-438
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    • 2001
  • Oxygen saturation of blood is defined as ratio of total hemoglobins density to oxyhemoglobins density And the accuracy of pulse oxymeter that measures the oxygen saturation of blood by a noninvasive method is influenced by a measuring environment, breathing and motion of patient. Especially when patient moved his arms and fingers, it is difficult to eliminate motion artifact because the motion artifact signal has features that are overlap or closed at normal signal in frequency domain. We propose the filtering method that construct the filter banks and a matched falter to improve the Problem. When experimented by the proposed method, the ratio regulation of the proposed methods has 4.1% below than an adaptive filter (39.7%) and a moving average filter (11.2%). So. the Proposed method will be able to get a stable ratio of SpO2.

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