• Title/Summary/Keyword: Principal and Interest

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가구의 소득분위별 가계부채 주관적 상환부담요인에 관한 연구 (A Study on Determinants of Subjective Repayment Burden in Household Debt by Income Quintile Groups)

  • 박윤태;노정현
    • 한국콘텐츠학회논문지
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    • 제17권9호
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    • pp.145-158
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    • 2017
  • 최근 가계부채의 급증과 경제적 변화는 가구의 현금 흐름에 많은 영향을 미치고 있고, 높은 원리금 상환부담으로 부실위험이 증가하였다. 이에 선행연구들은 가계부채에 대한 객관적 상환부담지표를 구성하여 다양한 논의를 진행하고 있지만, 수요자 인식에 대한 연구는 상대적으로 부족하였다. 본 연구는 2016년 가계금융복지조사를 이용하여 가구의 소득분위별 가계부채 주관적 상환부담요인을 도출하여 비교 분석하였다. 연구결과는 소득 1 2분위에서 월세, 신용카드대출, 주거마련 대출비율이 높을수록 원리금 상환에 대한 부담이 높은 것으로 나타났다. 소득 3 4분위는 60대 이상, 가구원수, 부동산담보대출이 많을수록 원리금 상환에 대한 부담이 높은 것으로 나타났다. 소득 5분위는 부채상환마련 대출비율이 높을수록 원리금 상환에 대한 부담이 높은 것으로 나타났다.

FTA협상에서 민간참여의 역할 : 미국, 멕시코, 일본 사례를 중심으로 (The Role of Private Participation in FTA Negotiation : A Case of U.S., Mexico and Japan)

  • 김홍률;정용균
    • 통상정보연구
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    • 제11권3호
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    • pp.363-390
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    • 2009
  • This study investigates the role of private participation in FTA Negotiation in case of US, Mexico and Japan. We utilize Putnam(1988)'s two stage negotiation model, Schelling Conjecture and Principal-Agent(P-A) theory to understand the role of private sector in FTA Negotiation. Those theories are useful to understand the behavior and interaction of key players such as private sector, congress and government in FTA negotiation. Putnam(1988)'s two stage negotiation model divides the FTA negotiation process into two processes: the external negotiation with foreign country and domestic negotiation with domestic interest group. Principal-Agent(P-A) theory provides the theoretical foundation of Putnam's two stage negotiation model, which is that principal's interest is not identical to the interest of Agent. We showed that the private sector and congress play an important role in FTA negotiation in United States. In case of Mexico, the private sector and government occupy the dominant position in FTA negotiation. In particular, the cooperation of industry and government has been successfully established via COECE in Mexico. In contrast to these countries, the role of private participation in trade policy is relatively low in Japan and Korea.

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The Economic Analysis of Notional and Global Interest Politics for International Environmental Standards

  • Hwang, Uk
    • 환경정책연구
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    • 제6권4호
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    • pp.103-127
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    • 2007
  • 본 연구는 정부의 국제환경규범 결정과정에 영향을 줄 수 있는 이익집단들의 정치적 행동을 조감하는데 필요한 정치경제학 모형을 제시한다. 복잡하고 다양한 이익집단의 집단행동을 분석하기 위해서 본 연구는 최근 유행하는 메뉴 옥션 유형의 선거비용 기부 모형으로부터 시작하여 다수 조정자-다수 대리인 이론에 근거하는 국제 이익집단 정치와 더불어 공동 대리인 모형과 다수 조정자-다수 대리인 모델이 혼재되어 있는 경우까지 조감하였다. 국제무역이론의 특정생산요소 모형을 바탕으로 다양한 이익집단 정치경제모형에서 결정될 수 있는 균형 환경규범의 수준을 분석하여 근래 점증하는 환경주의자 이익집단의 정치적 역할 등을 가늠하도록 한다. 2국 소국가 개방경제를 가정하여 각국의 일방적인 환경규범입안은 매우 완화된 수준에서 이루어질 것이고 이 때문에 초래되는 외부효과는 정부 간 협력을 통하여 내재화될 수 있다는 종래의 이론적 주장에서 탈피하여 국가 간 협력을 통하여 달성될 수 있는 최적의 국제환경규범 수준이 동일한 이익을 추구하는 각국의 이익집단 간의 협력을 통해서도 가능함을 지적한다.

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CAN TRUST BETWEEN AN OWNER AND A CONTRACTOR BE ESTABLISHED: A PRINCIPAL-AGENT PERSPECTIVE

  • Jiang-wei Xu;Sungwoo Moon
    • 국제학술발표논문집
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    • The 3th International Conference on Construction Engineering and Project Management
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    • pp.1474-1478
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    • 2009
  • The cooperation and trust among the project participants play a critical role in the success or failure of any delivery system in construction industry. But it is very difficult to establish trust between an owner and a contractor when rational people only pursue only their own material self-interest. Based on the principal-agent theory, this paper will introduce the altruistic behavior into the traditional principal-agent model, and model the reciprocal behavior between the owner and contractor. We will show that both the owner and the contractor benefit from their reciprocal behavior, and hence trust establishing between them is possible. More importantly, we will proof that the higher the project uncertainty is, the more important trust establishing is.

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어머니의 초기부모애착과 사회적 관심: 애착 불안과 애착 회피를 중심으로 (Maternal Early Parent Attachment and Social Interest: The Effect of Attachment Anxiety and Attachment Avoidance)

  • 민하영
    • Human Ecology Research
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    • 제62권1호
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    • pp.69-80
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    • 2024
  • This study explored the relationship between maternal early parental attachment (EPA) and social interest. The participants were 311 mothers with elementary schoolchildren who lived in the Daegu-Gyeongbuk area. Data were collected through an online questionnaire provided on the portal site and analyzed using k-means clustering, t-test, One-Way ANOVA, and Pearson's correlation using IBM SPSS Statistics 21 for Windows and, RMSEA, TLI, NFI and CFI using IBM SPSS AMOS 18 for Windows. The principal results were as follows. Firstly, mothers' EPA anxiety and avoidance had a negative influence on social interest. Secondly, social interest was found to be significantly higher among mothers with a secure attachment style than among mothers with an insecure attachment style. Thirdly, significant differences were observed in levels of social interest among mothers with secure, preoccupied, dismissive, and disorientated attachment styles. A Scheffé post-hoc test revealed that social interest was significantly higher among mothers with a secure attachment style than among mothers with a disorientated attachment style. The experience of relationships with caregivers early in life is therefore important in the development of social interest.

Face Recognition Based on PCA on Wavelet Subband of Average-Half-Face

  • Satone, M.P.;Kharate, G.K.
    • Journal of Information Processing Systems
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    • 제8권3호
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    • pp.483-494
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    • 2012
  • Many recent events, such as terrorist attacks, exposed defects in most sophisticated security systems. Therefore, it is necessary to improve security data systems based on the body or behavioral characteristics, often called biometrics. Together with the growing interest in the development of human and computer interface and biometric identification, human face recognition has become an active research area. Face recognition appears to offer several advantages over other biometric methods. Nowadays, Principal Component Analysis (PCA) has been widely adopted for the face recognition algorithm. Yet still, PCA has limitations such as poor discriminatory power and large computational load. This paper proposes a novel algorithm for face recognition using a mid band frequency component of partial information which is used for PCA representation. Because the human face has even symmetry, half of a face is sufficient for face recognition. This partial information saves storage and computation time. In comparison with the traditional use of PCA, the proposed method gives better recognition accuracy and discriminatory power. Furthermore, the proposed method reduces the computational load and storage significantly.

주성분회귀분석을 이용한 한국프로야구 순위 (Predicting Korea Pro-Baseball Rankings by Principal Component Regression Analysis)

  • 배재영;이진목;이제영
    • Communications for Statistical Applications and Methods
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    • 제19권3호
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    • pp.367-379
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    • 2012
  • 야구경기에서 순위를 예측하는 것은 야구팬들에게 관심의 대상이 된다. 이러한 순위를 예측하기 위해서 2011년 한국프로야구 기록 자료를 바탕으로 산술평균방법, 가중평균방법, 주성분분석방법, 주성분회귀분석 방법을 제시한다. 표준화를 통한 산술평균, 상관계수를 이용한 가중평균과 주성분 분석을 이용해서 순위를 예측하고, 최종모형으로 주성분회귀분석 모형이 선택되었다. 주성분 분석으로 축약된 변수를 이용해서 회귀분석을 실시하여, 투수부분, 타자부분, 투수와 타자부분의 순위예측 모형을 제안한다. 예측된 회귀모형을 통해서 2012년도 순위 예측이 가능하다.

폭력매체와 청소년 비행 (Media Violence and Delinquent Behavior)

  • 김수지;김현실
    • 대한간호학회지
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    • 제24권1호
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    • pp.85-95
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    • 1994
  • The effects of media violence on the delinquent behavior and violence of children and adolescent are controversial. However, a small but genuine association appears to exist between media violence and aggression or violence. At the present, for a considerable proportion of the population of children and adolescent, delinquent behavior and violence has become a major problem and a way of life. One factor contributing to this problem has been assumed to be the negative influence of mass media including television, drama, videotapes and fiction magazines and so on. Therefore, this paper is intended to discriminate the causal relationship of influence of mass media and juvenile delinquent behavior and violence and to provide nine hypotheses derived from reviewing the literature related to mass media and delinquent behavior. The nine hypotheses are as follows : 1. The presence of modeling mass media crime themes and the extent of interest in and exposure of children and adolescent to media violence themes will be positively correlated to their delinquent(aggressive) behavior. 2. A higher positive correlation will be revealed between interest in and exposure to media violence themes and aggressive behavior among adolescent having parental rejection than among adolescent not experiencing parental rejection. 3. A higher positive relationship will be found between interest in and exposure to mass media crime themes and delinquent behavior among youth having need deprivation than among youth not having need frustration. 4. A higher positive relationship will be presented between the presence of imitating mass media crime themes and interest in and exposure to media violence themes and delinquent or aggressive behavior among youth dysplaying their maladaptive character tendency than among those adolescent dysplaying adaptive character tendency. 5. A higher positively correlating relationship will be shown between interest in and exposure to mass media crime themes and delinquent behavior among youth with a higher scores of depressive trend than among those youth having few or no depression. 6. A higher positive relationship will be found between interest in and exposure to media violence themes and aggressive behavior among adolescent complaining of a high degree of psychosomatic complaints than among those youth having few or no psychosomatic complaints. 7. A higher positive correlation will be appeared between interest in and exposure to mass media crime themes and delinquent behavior among youth displaying aggressive impulsiveness than among those youth having few or no aggressive impulsiveness. 8. A higher positive relationship will be found between interest in and exposure to media violence themes and aggressive behavior among youth having antisocial character or neurotic character with weak ego functioning than among those adolescent not having antisocial character or neurotic character with weak ego functioning. 9. A higher positive correlation will be existed between interest in and exposure to mass media crime themes and delinquent behavior among adolescent displaying the lack of sociality than among those youth not having the lack of sociality. The above nine hypotheses will be tested by statistical methods including Chi-square test, simple correlation, principal component analysis, principal component regression analysis and LISREL path analysis.

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식생활 외부화에 관한 한일 비교 연구 -주성분 분석을 이용하여- (Comparison of Dietary Externalization in Korea and Japan -by Principal Component Analysis-)

  • 최현숙
    • 동아시아식생활학회지
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    • 제16권1호
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    • pp.23-28
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    • 2006
  • The purpose of this paper was to clarify the actual conditions of the 'Dietary externalization' mainly by using the economic and nutrition-related data, accompanied by the economic development in Korea and Japan. 'Modernization of food style' and other modernization have taken place, among which 'Dietary externalization' in particular has recently drawn interest. At the time this paper clarified with econometric analysis whether there are differences between the two countries in term of the modernization of food style and dietary externalization trend. The trends of Dietary externalization of both Korea and Japan were studied using Principal Component Analysis method. The food subgroup were investigated based on the annual report on the household income and expenditure survey of Korea and the annual report on the family income and expenditure survey of Japan. The statistical data from both country were analyzed by SAS program. The results are as follows; 1. In Korea, the ratio of carbohydrates in the total calorie intake is quite high and animal protein is rather low compared to those in Japan. 2. Traditional food such as grains and vegetables are consumed much more in Korea than in Japan. 3. The Principal Component 1, 2 were extracted in both countries during the whole analysis period, which suggested the 'Dietary externalization' 4. Principal Component 1 has a positive factor loaded in all food items including meals outside the home and process food. In other words, it is apparent that the 'Dietary externalization' tread in Korea has a simple pattern suggesting that all externalization related items are on the rise. 5. Principal component 1, 2 which indicated the dietary externalization, were detected in Japan.

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Risk Volatility Measurement: Evidence from Indonesian Stock Market

  • Rahmi, Mustika;Azma, Nurul;Muttaqin, Aminullah Achmad;Jazil, Thuba;Rahman, Mahfuzur
    • The Journal of Asian Finance, Economics and Business
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    • 제3권3호
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    • pp.57-65
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    • 2016
  • The purpose of this paper is to investigate the volatility of both Islamic and conventional stock market in Indonesia with the aim of identifying the most appropriate model for risk management practice. The study considers GARCH as a genre of model to measure the volatility of stock market movement. The results support the view that each model shows specific volatility from both Islamic and conventional stock market in Indonesia. In Islamic stock market, volatility is affected by exchange rate and money supply (M1) but not interest rate as interest is prohibited in Islam. However, interest rate is found as a principal factor that affects volatility of conventional stock market. The outcomes of this paper are of particular significance to policy makers, as it provides guidelines to maintain economic health. Furthermore, the findings may assist practitioners to understand the consequences of macroeconomic factors such as exchange rate, money supply and interest rate, which are very crucial for the market stability of Indonesian stock market. The paper enhances the understanding of stock market volatility and proposes guidelines risk management practices.