• 문화기술의 융합
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• 제7권4호
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• pp.1-7
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• 2021

본 연구는 주택담보대출이 은행 재무건전성에 미치는 영향을 분석하였다. 또한 금융위기 전후하여 주택담보대출이 은행의 재무건전성에 미치는 영향이 차이가 있는지 검증하였다. 본 연구는 2007년부터 2018년 동안 국내 일반은행의 데이터를 사용하였으며, 금융감독원의 금융통계정보시스템에서 자료를 추출하였다. 표본은행은 계속해서 영업하고 있는 12개 은행을 포함하고 있으며, 금융위기 전후에 13년 간의 패널 데이터를 사용하였다. 분석 결과를 요약하면 다음과 같다. 첫째, 주택담보대출비율의 추정계수가 은행의 BIS 자기자본비율과 유의적인 음(-)의 관계를 보이고 있다. 또한 금융위기 이후 주택담보대출비율은 은행의 BIS 자기자본비율과 유의적인 양(+)의 영향을 미친 것으로 나타났다. 둘째, 주택담보대출비율의 추정계수가 은행의 고정이하여신비율과 유의적인 양(+)의 관계를 보인 것으로 나타났다. 또한 은행의 주택담보대출비율은 은행의 고정이하여신비율에 미치는 영향이 금융위기를 전후하여 유의적으로 변화하는 것으로 추정되었다. 본 연구는 국내은행 재무 건전성의 영향 요인으로 주택담보대출비중을 연구하였다는 점에서 기존 연구와 차별성이 보인다. 향후 국제 금융환경의 변화, 부동산 가격 하락 등 외생적 요인의 발생에 대비하여 가계대출의 건전성 개선에 더욱 많은 노력을 기울일 필요가 있을 것이다.

• 물과 미래
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• 제26권4호
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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).

• 한국농공학회지
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• 제37권3_4호
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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.

• 한국화재소방학회:학술대회논문집
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• 한국화재소방학회 1997년도 International Symposium on Fire Science and Technology
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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.

• IMMUNE NETWORK
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• 제4권2호
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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.

• 대한환경공학회지
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• 제38권2호
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• pp.79-86
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• 2016

본 연구의 목적은 RO 농축수 내 TDS 제어에 따른 고농도 질산성 질소의 효율적인 생물학적 처리에 있다. 실험실 규모의 실험에서는 연속회분식 반응기를 이용하여 연구를 수행하였으며 TDS의 주입조건에 따른 비탈질율, 비산소소비율 분석을 수행하였다. 연구결과, 연속회분식 반응기를 이용한 운전에 따라 탈질 공정 내 고농도 TDS 주입에 따라 탈질 반응이 지연되어 SDNR이 감소하는 것으로 나타났으며 미생물 활성도가 또한 감소하는 것으로 나타났다. 따라서 질산성 질소의 원활한 처리를 위하여 TDS 제어가 수반되어야 하며 특히, $Ca^{2+}$의 중점적인 처리가 필요할 것으로 판단된다. 또한 본 연구를 통하여 도출된 SDNR, SOUR 값은 호기성 그래뉼 슬러지를 이용한 RO 농축수의 생물학적 처리를 위한 공정 설계인자로 활용이 가능할 것으로 판단된다.

• Asian Pacific Journal of Cancer Prevention
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• 제15권11호
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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.

• Journal of Microbiology and Biotechnology
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• 제18권1호
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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.

• Asian Pacific Journal of Cancer Prevention
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• 제15권19호
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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.

• 대한의용생체공학회:의공학회지
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• 제22권5호
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• pp.431-438
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• 2001

동맥혈액의 총 혈색소 농도와 산화 혈색소 농도의 비율로 정의되는 산소포화도를 비관혈적으로 측정하는 펄스 옥시메터는 주위환경 요인과 피측정자의 호흡 및 움직임에 의한 영향을 받는다. 특히 환자가 움직였을 때 동잡음 신호는 주파수영역에서 정상적인 수신광 신호와 중첩 또는 인접하게 나타나 잡음제거가 어렵다 이러한 문제점을 개선하기 위해 본 논문에서는 필터뱅크와 정합필터를 이용하여 동잡음을 제거하기 위한 방법을 제안한다. 그리고 제안된 방법으로 실험한 결과. ratio의 평균 변화율이 이동평균필터(11.2%)와 적응필터(39.7%)를 이용하였을 때 보다 변화 폭이 4.1%로 나타나 환자의 움직임에서도 보다 안정적인 산소포화도를 측정이 가능할 것으로 사료된다.