• Title/Summary/Keyword: Cut Rate

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Deposit Margin Strategy of Banks and Saving Banks due to Changes in the Base Rate (기준금리 변동에 따른 은행과 저축은행의 예대마진 전략)

  • Kim, Dowan
    • Journal of Information Technology Applications and Management
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    • v.29 no.2
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    • pp.39-50
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    • 2022
  • This research confirmed whether banks and saving banks increase their deposit margin under changes in the base rate. This paper has conclusions as follows. First, when the Bank of Korea changes the base rate, deposit rate variable are significant with panel analysis in the total data set and saving banks. This result implies that changes in the base rate affect deposit margin. Second, this study confirmed whether banks and saving banks maximize their deposit margin as base rate changes. As a result, when the Bank of Korea cut the base rate, the deposit margins of banks and saving banks decreased significantly. Still, their deposit margins are not statistically significant in the opposite situation. Therefore, this paper could not find evidence that banks and saving banks behave to maximize their deposit margin. Maybe, this phenomenon can appear because these financial institutions recognize this criticism.

Development Cut-off Value for Yin-deficiency Questionnaire and Diagnostic Ability of Yin-deficiency in Xerostomia (구강건조증 환자에서 음허 측정 설문지 절단점 개발 및 진단능 평가)

  • Jang, Seung-Won;Kim, Jin-Sung
    • The Journal of Internal Korean Medicine
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    • v.35 no.4
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    • pp.483-497
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    • 2014
  • Objectives: The aims of study were developing cut-off value of Yin-deficiency questionnaire (YDQ) for diagnosis of Yin-deficiency (YD) and compare diagnostic ability between YDQ and Yin-deficiency scale score (YDS) in xerostomia patients. Methods: We recruited 58 xerostomia patients. They were diagnosed YD or non-YD by 3 Korean medicine doctors (KMD). We assessed YD using YDQ and YDS. We evaluated xerostomia using VAS, Dry Mouth Symptom Questionnaire (DMSQ), Salivary Flow Rate (SFR), oral moisture on buccal mucosa and tongue surface (OMB and OMT). We surveyed tongue coatings using Winkel Tongue Coating Index (WTCI). Results: We diagnosed 23 patients YD and 35 patients non-YD. There were no significant differences of age, sex and body mass index between the YD and non-YD groups. Using receiver operating characteristic curve analysis, the optimal cut-off value of YDQ was defined as 304. Sensitivity, specificity and Youden index of YDQ were 86.96%, 71.43% and 1.5839 respectively. Using Cohen's coefficient of agreement, we found that degree of agreement between KMD and YDQ diagnosis was moderate (${\kappa}$=0.524, p<0.001). Using Pearson's correlation analysis, we found concurrent validity of YDQ and YDS were significant correlated. Using area under curve value, we found diagnostic ability between YDQ and YDS were not significantly different (p=0.505), but there were more strong correlations between DMSQ-symptoms and YDQ (r=0.731, p<0.001) than correlations between DMSQ-symptoms and YDS (r=0.418, p<0.01). Conclusions: The cut-off value of YDQ can diagnose YD in xerostomia and diagnostic ability of YDQ in xerostomia is better than YDS.

An Experimental Study on Reduction of $CO_2$ Exhausted Emission by using Fuel-cut Function of Vehicles (고속도로 주행 시 연료차단 기능을 활용한 $CO_2$ 배출량 감축에 대한 실험적 연구)

  • Ko, Kwang-Ho;Jeong, Seung-Hyun;Yoo, In-Kyoon;Lee, Soo-Hyung;Kim, Je-Won
    • Transactions of the Korean Society of Automotive Engineers
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    • v.18 no.1
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    • pp.86-92
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    • 2010
  • The fuel is not injected when the driver doesn't push acceleration pedal of a vehicle with engine speed higher than about 1,500rpm above mid vehicle speed range. This is called "fuel-cut function" and almost every modern vehicle is equipped with this function. This is activated on downhill part of a highway most often. Therefore the vehicle-exhausted $CO_2$ can be zero in this downhill part if the driver could recognize this part of highway. We compared the vehicle-exhausted $CO_2$ emission when using fuel-cut function with the $CO_2$ mass when without using this function in this study. We found that the $CO_2$ emission reduced with fuel-cut function and measured the reduction rate of vehicle-exhausted $CO_2$ mass with this test results. The exhausted $CO_2$ mass of a passenger car(2,000cc engine volume) is reduced by 4% with this function used. This $CO_2$ reduction effect can be achieved if the downhill part of a highway is painted with a specific color. And this road painting can be included in the highway road rehabilitation policy.

파측정회로의 경로 활성화 지정에 과한 연구

  • 이강현;김용득
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.15 no.9
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    • pp.745-752
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    • 1990
  • This paper deals with the path sensitization algrithm from PI to PO center on the nodes of high testability mainstay when CUT is tested by pseudo exhaustive testing. In CUT, the node definition of high testability mainstay treats the testability values of the entire nodes with the population composed of the raw data, and after we examined the level of significance(1-a) region, we accomplished in the estimation of the confidence interval of the testability. Focusing on the defined nodes of high testability mainstay, we performed the singular cover and consistency operation to the forward and backward logic gates. Thus, we easily generated the pseudo exhausitve test patterns. As a result, (1-a) region has 0.1579 and the pseudo exhaustive test patterns are least generated and the rate of test pattern is 1.22%, compared with exhaustive testing. (1-a) region has 0.2368 and this results exhibits the optimal performance of the singular cover and consistency operation. Applying the generated pseudo exhaustive test patterns to the stuck-at faults existing on the inputs and internal nodes in CUT, we verified this performance on the output. Thus, it is confirmed that functional testing of the proposed path sensitization algorithm is very useful.

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Comparative Evaluation of the Risk of Malignancy Index Scoring Systems (1-4) Used in Differential Diagnosis of Adnexal Masses

  • Ozbay, Pelin Ozun;Ekinci, Tekin;Caltekin, Melike Demir;Yilmaz, Hasan Taylan;Temur, Muzaffer;Yilmaz, Ozgur;Uysal, Selda;Demirel, Emine;Kelekci, Sefa
    • Asian Pacific Journal of Cancer Prevention
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    • v.16 no.1
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    • pp.345-349
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    • 2015
  • Background: To determine the cut-off values of the preoperative risk of malignancy index (RMI) used in differentiating benign or malignant adnexal masses and to determine their significance in differential diagnosis by comparison of different systems. Materials and Methods: 191 operated women were assessed retrospectively. RMI of 1, 2, 3 and 4; cut-off values for an effective benign or malignant differentiation together with sensitivity, specificity, negative and positive predictive values were calculated. Results: Cut-off value for RMI 1 was found to be 250; there was significant (p<0.001) compatibility at this level with sensitivity of 60%, positive predictive value (PPV) of 75%, specificity of 93%, negative predictive value (NPV) of 88% and an overall compliance rate of 85%. When RMI 2 and 3 was obtained with a cut-off value of 200, there was significant (p<0.001) compatibility at this level for RMI 2 with sensitivity of 67%, PPV of 67%, specificity of 89%, NPV of 89%, histopathologic correlation of 84% while RMI 3 had significant (p<0.001) compatibility at the same level with sensitivity of 63%, PPV of 69%, specificity of 91%, NPV of 88% and a histopathologic correlation of 84%. Significant (p<0.001) compatibility for RMI 4 with a sensitivity of 67%, PPV of 73%, specificity of 92%, NPV of 89% and a histopathologic correlation of 86% was obtained at the cut-off level 400. Conclusions: RMI have a significant predictability in differentiating benign and malignant adnexal masses, thus can effectively be used in clinical practice.

A Study on Optimal Auditing Under the Living Wage System (생계급여하에서의 최적 소득조사)

  • Yoo, Hanwook
    • KDI Journal of Economic Policy
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    • v.31 no.1
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    • pp.207-237
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    • 2009
  • One of the main problems in Korea's public assistance program, the NBLS (National Basic Livelihood Security), is that the loophole of welfare system is continuously growing. Living wage program is the largest sub-program of the NBLS, and the most important determinant of amount of living wage for each beneficiary is the level of reported income. Therefore, accurate and effective income detection is essential in improving policy effects and furthermore reducing the leakage of wage expenditure as beneficiaries always have an incentive to underreport their income. Since most of them do not pay income tax, the welfare authority should exert an independent effort to effectively detect their income. Considering that living wage is a special kind of income tax of which marginal tax rate is -1, one can apply a classical theory of tax evasion to understand illegal or excessive receipt of living wage caused by income underreporting. Utilizing a classical theory given by Alingham and Sandmo (1972), this paper provides a theoretical analysis of the optimal income reporting of the beneficiary. Then an optimization problem is constructed from the government's viewpoint to derive optimal income detecting device (auditing). This paper proves that cut-off discriminated auditing outperforms random auditing and cut-off auditing which implies if the government assigns a positive audit probability to every reported income less than a certain level and the probability is inversely proportional to the level of reported income, it can minimize underreporting and then gradually reduce the leakage of wage expenditure.

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Study on the Multi-stage Hollow Fiber Membrane Modules for SF6 Gas Separation (불화가스 분리를 위한 중공사막 모듈의 다단 기체분리공정 연구)

  • Jeong, Su Jung;Lim, Joo Hwan;Koh, Hyung Chul;Ha, Seong Yong
    • Membrane Journal
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    • v.26 no.2
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    • pp.159-165
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    • 2016
  • Polyimide hollow fiber membrane modules were prepared in order to investigate the process of multi stage gas separation. The modules performance was carried out using 50/50 of $N_2/SF_6$ mixed gas. The membrane modules has been tested for measuring gas flow rate and concentration under various stage cut at 0.5 MPa. The membrane modules showed a high recovery ratio at the same stage cut as $N_2/SF_6$ selectivity increased. Two stage process was fulfilled for improving $SF_6$ recovery ratio and $SF_6$ concentration. Eventually, two stage process showed higher performance of $SF_6$ recovery ratio and concentration ($SF_6$ recovery ratio = 95%, $SF_6$ conc. = 98%).

A Study on the Machinability of Fine Ceramics (($Al_2O_3$)) (파인 세라믹 ($Al_2O_3$)의 被削性에 관한 硏究)

  • 김성겸;이용성
    • Transactions of the Korean Society of Mechanical Engineers
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    • v.13 no.4
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    • pp.604-610
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    • 1989
  • This paper is concerned with the machinability of fine ceramics(Al$_{2}$O$_{3}$) by using sintered diamond tools. For this purpose, ceramics cutting experiments under various cutting conditions such as cutting speed, feed rate, and others were carried out. The main results are follows : (1) During the cutting of fine ceramics, the used tools were found to be slightly chattering at cutting speed of 70m/min, and at cutting speed of higher than this I found the fine ceramics difficult to be cut. (2) When I used a tool with large nose radius, there occured a small amount of wear on the flank of the tool. However, at the early stage of fine ceramics cutting, the tools with smaller nose radii were required mainly to prevent the chipping of the ceramics. (3) When the materials were dry-cut, the appropriate cutting speel was found to be lower than 40m/min, and when the materials were dry-cut, I could cut them without any difficulty even at the speed of 70m/min, the surface roughness of ceramics cut at the speed of 70m/min was considerly fine. (4) It is generally believed that the principal cutting force is the largest in the case of steels cutting, but I found the thrust cutting force to be larger than any other cutting forces in the case of ceramics cutting.

Quality characteristics of fresh cut apples during storage according to processing steps and browning inhibitor treatment

  • Hyunna Jung;Sun-Duk Cho;Min-Sun Chang;Gun-Hee Kim
    • Food Science and Preservation
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    • v.30 no.3
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    • pp.369-382
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    • 2023
  • We examined the changes in the physicochemical quality characteristics and antioxidant activity of fresh-cut Fuji apples (Malus pumila) during processing and storage after treatment with browning inhibitors. The primary aim was to elucidate processing suitability and storability. We observed that in the processing stage of slicing fresh Fuji apples, there were no significant differences in 1,1-diphenyl-2-picrylhydrazyl (DPPH) and 2,2'-azinobis (3-ethylbenzothiazoline-6-sulfonic acid (ABTS) radical scavenging ability and ferric-reducing antioxidant power (FRAP). However, after NaClO treatment, total flavonoid and total polyphenol contents decreased. When freshcut Fuji apples were treated with browning inhibitors and stored at 4℃, the L value and hardness decreased; however, the weight loss rate increased based on the storage period of all fruit groups treated with Citrus unshiu Markovich (CuM), calcium ascorbate (CA), and ascorbic acid (AA). The pH increased after 2 days of storage in 1% CuM and after 6 days of storage in 1% CA; however, no changes in pH were observed during the storage period in 1% AA. The DPPH radical scavenging activity was generally good under storage conditions of 1% AA at 4℃ and 1% CA at 20℃. Furthermore, FRAP remained relatively constant under storage conditions of 1% CA. The quality characteristics and antioxidant activity of fresh-cut fruits during processing and storage can be used as basic data for industries. Furthermore, we can gain confidence in quality improvements by improving the production and distribution environment of fresh-cut agricultural products.

Development of a System to Measure Quality of Cut Flowers of Rose and Chrysanthemum Using Machine Vision (기계시각을 이용한 장미와 국화 절화의 품질 계측장치 개발)

  • 서상룡;최승묵;조남홍;박종률
    • Journal of Biosystems Engineering
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    • v.28 no.3
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    • pp.231-238
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    • 2003
  • Rose and chrysanthemum are the most popular flowers in Korean floriculture. Sorting flowers is a labor intensive operation in cultivation of the cut flowers and needed to be mechanized. Machine vision is one of the promising solutions for this purpose. This study was carried out to develop hardware and software of a cut flower sorting system using machine vision and to test its performance. Results of this study were summarized as following; 1. Length of the cut flower measured by the machine vision system showed a good correlation with actual length of the flower at a level of the coefficients of determination (R$^2$) of 0.9948 and 0.9993 for rose and chrysanthemum respectively and average measurement errors of the system were about 2% and 1% of the shortest length of the sample flowers. The experimental result showed that the machine vision system could be used successfully to measure length of the cut flowers. 2. Stem diameter of the cut flowers measured by the machine vision system showed a correlation with actual diameter at the coefficients of determination (R$^2$) of 0.8429 and 0.9380 for rose and chrysanthemum respectively and average measurement errors of the system were about 15% and 7.5% of the shortest diameter of the sample flowers which could be a serious source of error in grading operation. It was recommended that the error rate should be considered to set up grading conditions of each class of the cut flowers. 3. Bud maturity of 20 flowers each judged using the machine vision system showed a coincidence with the judgement by inspectors at ranges of 80%∼85% and 85%∼90% for rose and chrysanthemum respectively. Performance of the machine vision system to judge bud maturity could be improved through setting up more precise criteria to judge the maturity with more samples of the flowers. 4. Quality of flower judged by stem curvature using the machine vision system showed a coincidence with the judgement by inspectors at 90% for good and 85% for bad flowers of both rose and chrysanthemum. The levels of coincidence was considered as that the machine vision system used was an acceptable system to judge the quality of flower by stem curvature.