• 제목/요약/키워드: Risk ratio

검색결과 3,060건 처리시간 0.034초

Determinants of Default Risks and Risk Management: Evidence from Rural Banks in Indonesia

  • PUSPITASARI, Devy Mawarnie;FEBRIAN, Erie;ANWAR, Mokhammad;SUDARSONO, Rahmat;NAPITUPULU, Sotarduga
    • The Journal of Asian Finance, Economics and Business
    • /
    • 제8권8호
    • /
    • pp.497-502
    • /
    • 2021
  • This study aims to investigate the determinants of default risk of rural banks in East Java, Indonesia. The method used is descriptive verification and logistic regression analysis. The data used is secondary in the form of monthly annual financial reports of rural banks in East Java during the period 2009-2018. From the results, it was shown that net interest margin (NIM) as a proxy of market risk, non-performing loan (NPL) as a proxy of credit risk, operation efficiency as a proxy of operational risk and return on assets (ROA) as a proxy of profitability have a significant influence on default risk. Meanwhile, the loan to deposit (LDR) ratio as a proxy of liquidity risk has no significant influence on default risk. Banks need to implement risk management and meet the capital adequacy requirements of regulators so that they are resistant to risk, and also, compliant with bank governance to be able to produce high returns for rural banks have an impact on sustainability and its existence. The ability to identify setbacks in bank conditions and the ability to distinguish between healthy and problematic banks will enable to anticipate default banks.

아토피 피부염(皮膚炎) 환자(患者) 67명(名)에 대(對)한 임상적(臨床的) 고찰(考察) (The Clinical Study of Atopic Dermatitis)

  • 이진용;김덕곤
    • 대한한방소아과학회지
    • /
    • 제13권2호
    • /
    • pp.171-186
    • /
    • 1999
  • Atopic dermatitis is a chronic or chronically relapsing, pruritic dermatitis. It commonly occurs in patients with a personal or family history of atopy. We studied 67 children suffering from atopic dermatitis Oriental Medicine Hospital in Kyunghee University, and analyzed sex, age, feeding, clinical manifestation, risk factor. The results were as follows : 1.Most age distribution of children was from 2 to 6, male to female ratio was 1:1.03 2.Breast-feeding to milk-feeding ratio was 2.93:1 3.Frequency of aggravating symptom by specific food was 31.3%, among this, meat(especially chicken) was revealed high risk factor 4.Frequency of family history suffering from other allergic disease was 61.2%, among this father to mother ratio was 1.27:1 5.Sites of atopic dermatitis were as follows : The inner space of elbow and knee joint was 77.65, back, face, neck was 56.7%, back of ear was 52.2%, wrist was 46.3%, abdomen was 38.8%, ankle was 34.3%,head was 29.9%.

  • PDF

폐경 후 이상지질혈증 발생양상과 위험요인 (Incidence and Risk Factors of Dyslipidemia after Menopause)

  • 정인숙;윤혜선;김묘성;황윤선
    • 대한간호학회지
    • /
    • 제52권2호
    • /
    • pp.214-227
    • /
    • 2022
  • Purpose: This study was aimed at investigating the incidence and risk factors of dyslipidemia in menopausal women using a Korean community-based longitudinal study. Methods: The subjects were 245 postmenopausal women without dyslipidemia who had participated in the Ansan-Ansung cohort study from 2001~2002 (baseline) to 2015~2016 (seventh follow-up visit). The dyslipidemia incidence was measured as incidence proportion (%) and incidence rate per 100 person-years. The predictors of developing dyslipidemia were analyzed with Cox's proportional hazard model. Results: The incidence of new dyslipidemia during the follow-up period was 78.4% (192 patients), and 11.9 per 100 person-years. Mean duration from menopause to developing dyslipidemia was 5.3 years in new dyslipidemia cases. The triglyceride/high density lipoprotein (TG/HDL-C) ratio at baseline (hazard ratio = 2.20; 95% confidence interval = 1.39~3.48) was independently associated with developing dyslipidemia. Conclusion: Dyslipidemia occurs frequently in postmenopausal women, principally within five years after menopause. Therefore, steps must be taken to prevent dyslipidemia immediately after menopause, particularly in women with a high TG/HDL-C ratio at the start of menopause.

Body Mass Index Effects on Risk of Ovarian Cancer: A Meta-Analysis

  • Poorolajal, Jalal;Jenabi, Ensiyeh;Masoumi, Seyyedeh Zahra
    • Asian Pacific Journal of Cancer Prevention
    • /
    • 제15권18호
    • /
    • pp.7665-7671
    • /
    • 2014
  • Objectives: The association between body mass index (BMI) and ovarian cancer risk is unclear and requires further investigation. The present meta-analysis was conducted to assess the effect of overweight and obesity on ovarian cancer risk in the premenopausal and postmenopausal periods. Data sources: Major electronic databases were searched until February 2014 including Medline and Scopus. Reference lists and relevant conference databases were searched and the authors were contacted for additional unpublished references. Review Methods: All cohort and case-control studies addressing the effect of BMI on ovarian cancer were included, irrespective of publication date and language. The effect measure of choice was risk ratio (RR) for cohort studies and odds ratio (OR) for case-control studies. The results were reported using a random effects model with 95% confidence intervals (CIs). Results: Of 3,776 retrieved studies, 19 were ultimately analyzed including 10 cohort studies involving 29,237,219 person-years and 9 case-control studies involving 96,965 people. The results of both cohort and case-control studies showed being overweight and obesity increased the risk of ovarian cancer compared to women with normal weight during both premenopausal and postmenopausal periods: RR=1.08 (95%CI: 0.97, 1.19) and OR=1.26 (95%CI: 0.97, 1.63) for overweight and RR=1.27 (95%CI: 1.16, 1.38) and OR=1.26 (95%CI: 1.06, 1.50) for obesity. Conclusions: There is sufficient evidence that an increase in BMI can increase the risk of ovarian cancer regardless of the menopausal status, mimicking a dose-response relationship although the association is not very strong.

도시철도 역사 내 철도안전사상사고 위험도 관리 방안 (Risk Management for Casuality Accident at Urban Railway Stations)

  • 김진태;김시곤;김연규
    • 대한토목학회논문집
    • /
    • 제36권3호
    • /
    • pp.529-534
    • /
    • 2016
  • 본 논문에서는 도시철도 역사 내 철도안전사상사고의 위험도관리방안을 도출하였다. 위험도 관리는 사고확률을 낮추는 예방대안과 피해가능규모를 줄이는 대안을 활용하여 위험도를 일정 수준까지 낮추는 방법을 제시하였다. 우선. 각 대안별로 편익과 비용을 계산하여 경제성 분석을 수행하였다. 편익비용비가 1을 초과하는 대안에 국한하여 편익비용비가 높은 순서대로 우선순위를 결정하였다. 대안별 우선순위대로 철도안전사상사고 위험도가 일정수준(ALARP수준)까지 낮추어질 때까지 하나씩 적용하는 방안을 제시하였다. 위험도의 ALARP수준을 결정하기 위하여 역사 내 철도안전 서비스수준(LOS)을 정립하였다. ALARP수준은 철도안전 서비스수준(LOS) "C"로 결정하였다. 최종적으로는 서울시 서울메트로와 서울도시철도공사가 운영하고 있는 역사 중 위험도가 가장 높은 역사에 대하여 사례연구를 수행하였다.

Risk Factors for Displacement of the Abomasum in Dairy Cows and its Relationship with Postpartum Disorders, Milk Yield, and Reproductive Performance

  • Kang, Hyun-Gu;Jeong, Jae-Kwan;Kim, Ill-Hwa
    • 한국임상수의학회지
    • /
    • 제36권1호
    • /
    • pp.68-73
    • /
    • 2019
  • We determined the risk factors for displacement of the abomasum (DA), and the relationships between DA and postpartum disorders, milk yield, and reproductive performance in dairy cows. Initially, we identified the risk factors for DA using data regarding cow health and calving season from 2,208 lactations. Then, we compared the incidence of postpartum disorders, culling, death, and reproductive performance between cows with DA and their control herdmates (each n = 57). In addition, serum metabolites concentrations and milk yield were compared between cows with DA and controls (each n = 33). Ketosis (odds ratio [OR] = 9.27, p < 0.0001) and twin calves (p = 0.06) increased the risk of DA. Cows with a parity of three had a higher risk (OR = 5.23, p < 0.01) of DA than primiparous cows. Serum total cholesterol concentration was lower but non-esterified fatty acid, ${\beta}-hydroxybutyrate$, and alanine aminotransferase concentrations were higher after calving in cows with DA than in controls (p < 0.05). The removal rate from the herd by 2 months after calving was higher (p < 0.05) but milk yield 1 and 2 months after calving (p < 0.01) and the rate of first insemination by 150 days postpartum were lower (hazard ratio = 0.49, p < 0.05) in cows with DA than controls. In conclusion, higher parity, twin calves, and ketosis are risk factors for DA in dairy cows, which is associated with a higher removal rate from the herd, lower milk yield, a longer calving to first insemination interval, and unfavorable levels of metabolites related to energy and liver function.

연소시험법에 의한 산화성물질의 위험성 평가 (Risk Evaluation of Oxidizing Substances by Burning Test Method)

  • 정국삼
    • 한국안전학회지
    • /
    • 제7권3호
    • /
    • pp.73-82
    • /
    • 1992
  • This paper was concerned with the risk evaluation of oxidizing substances by burning test method. The samples were prepared the heaped cone-shaped mixtures of solid oxidizing sub-stance with sawdust, and ignition of the sample was made on contact with heating wire inside the combution chamber that the temperature and humidity of atmosphere can be kept at $25^{\circ}C$ and 60% respectively. Accordingly, it were measured the combustivity effect of mixing ratio and amount of sample weight on the burning rate. As a result of burning test of these samples, it could be noticed that the case when the sawdust has so and 30 wt.% in the mixing ratio shows effective combustivity, and as the amount of sample weight was increasing, It showed more rapid burning time. So the average burning time could be obtained by considering the weighting factors to the parameters of the mixing ratio and the amount of sample weight. Finally, it was compared with the effects of cation and anion of oxidizing substances and also applied analytically to the classification and evaluation of oxidizing sub-stances as dangerous goods.

  • PDF

정량적 위험성 평가에 의한 안전관리 투자의 비용-편익분석 (Cost-Benefit Analysis for Safety Management Cost using Quantitative Risk Analysis)

  • 장서일;조지훈;김태옥
    • 대한안전경영과학회지
    • /
    • 제4권4호
    • /
    • pp.15-26
    • /
    • 2002
  • The quantitative evaluation method of the safety management cost was suggested to prevent a gas accident as a major industrial accident. In a gas governor station, process risk assessments such as the fault tree analysis(FTA) and the consequence analysis were performed. Based on process risk assessments, potential accident costs were estimated and the cost-benefit analysis(CBA) was performed. From the cost-benefit analysis for five classification items of safety management cost, the order of the cost/benefit ratio was estimated.

한국 노인 식사의 탄수화물 에너지비에 따른 만성질환 위험성 비교: 2007~2009년 국민건강영양조사 자료 이용 (Comparison of chronic disease risk by dietary carbohydrate energy ratio in Korean elderly: Using the 2007-2009 Korea National Health and Nutrition Examination Survey)

  • 박민선;서윤석;정영진
    • Journal of Nutrition and Health
    • /
    • 제47권4호
    • /
    • pp.247-257
    • /
    • 2014
  • 우리나라 대다수 노인이 고 탄수화물 식사를 하고 있고, 고 탄수화물 식사가 만성질환의 위험과 관련될 수 있다고 보고되었다. 이에 본 연구는 한국 노인에서 탄수화물 에너지비 수준에 따른 만성질환 위험성을 파악하고자 2007~2009년 제4기 국민건강영양조사 자료를 이용하여 65세 이상 노인 3,917명을 대상으로 1일 에너지 섭취량이 500~5,000 kcal에 속하면서, 고혈압, 당뇨, 고지혈증, 뇌졸중, 심근경색 또는 협심증, 빈혈로 치료받는 자를 제외한 1,535명에 대한 자료를 분석하였다. 식사의 탄수화물 에너지비가 55~70%인 적정군과 70%를 초과한 과다군의 두 군으로 대상자를 분류하여 영양섭취상태와 만성질환의 위험 비율을 비교하였다. 모든 자료는 제4기 국민건강영양조사의 가중치를 적용한 후 성, 거주지역, 소득수준, 교육수준 또는 에너지 섭취량을 보정하여 일반선형모델을 사용하여 분석하였다. 만성질환 위험도는 로지스틱 회귀모형을 적용하여 만성질환 위험요인의 판별기준치에 따라 위험군의 백분율과 교차비를 구하고 ${\alpha}$ = 0.05 수준에서 유의성을 검토하였다. 1) 전체 대상자 중 탄수화물 과다군이 81.4%로 적정군에 비해 4배 이상 많았다. 과다군에 남자보다는 여자가 많았고, 읍면에 거주하고, 소득수준과 교육수준이 낮은 사람이 많았다. 2) 체질량 지수에서는 두 군 간에 차이가 없었으나, 체중, 허리둘레, 이완기 혈압이 과다군에 비해 적정군에서 높았다. 3) 탄수화물비 과다군에서 육류 및 난류, 우유 및 유제품, 주류의 섭취 빈도가 낮았고, 반면에 서류의 섭취 빈도는 높았다. 남자에서는 탄수화물 적정군에서 육류 및 난류의 섭취빈도가 높았고, 여자에서는 육류 및 난류 외에도, 우유 및 유제품, 스낵류, 해조류의 섭취 빈도가 적정군에서 높았다. 4) 탄수화물: 단백질: 지방 에너지비는 과다군 79.87: 11.66: 8.46, 적정군 64.88: 16.18: 18.94로 두 군 간에 탄수화물비 외에도 단백질비와 지방비에 큰 차이가 있었고, 에너지 섭취량은 과다군의 1,492 kcal에 비해 적정군이 1,722 kcal로 높았다. 조섬유, 칼륨, 비타민 A, 카로틴, 비타민 C섭취량은 두군 간에 차이를 보이지 않았으나, 나머지 영양소-단백질, 지방, 칼슘, 인, 철분, 레티놀, 티아민, 리보플라빈, 나이아신, 수분-의 섭취량이 탄수화물 적정군에서 높았다. 5) 영양소적정섭취비 (NAR)와 영양밀도지수 (INQ) 역시 비타민 C를 제외한 모든 영양소에서 탄수화물 적정군이 높았다. 성별로 분석하였을 때에도 전체 대상자에서와 비슷한 경향이었으나, 특히 칼슘, 리보플라빈의 영양소적정섭취비와 영양밀도지수가 여자 탄수화물 과다군에서 매우 낮았다. 6) 탄수화물 적정군에서 과다군에 비해 여성은 복부비만의 위험이 1.719배, 남자는 이상지질혈증의 위험이 2.094배 높았다. 이를 요약하면 탄수화물 과다군에서 동물성 식품의 섭취빈도가 낮고 에너지 및 다수 영양소의 섭취량이 낮아 영양부족의 우려가 있으나 빈혈 위험도에는 차이가 없었고, 남자에서는 이상지질혈증, 여자에서는 복부비만의 위험이 탄수화물 적정군에 비해 낮게 나타나서 탄수화물 과다군에서 만성질환의 위험이 높고 빈혈 위험이 높으리라는 연구 가설과는 일치하지 않는 결과를 나타내었다. 추후 이에 대한 확인과 함께, 노인 연령층을 일반 성인층에서 분리하여 만성질환 위험을 낮추는데 도움을 줄 수 있는 노인의 적정 탄수화물 에너지비 설정을 위한 연구가 필요하다.

기술혁신활동이 부도위험에 미치는 영향 : 수익성 매개효과를 중심으로 (Technology Innovation Activity and Default Risk of Firms : Focusing on a Mediation Effect of Profitability)

  • 김진수;이현철
    • 지식경영연구
    • /
    • 제11권1호
    • /
    • pp.19-35
    • /
    • 2010
  • This study explores the effects of technology innovation activity on a profitability and the default risk of firms. Sample for this study consists of manufacturing firms listed on the Korea Stock Exchange from 1st January 2000 to 31st December 2007. We use of R&D ratio as a proxy of technology innovation activity. The default probability proxied for the default risk of firms is measured by the Merton's (1974) model where accounts for a market value of firms and a volatility of it. This study provides evidence that technology innovation activity has a positive effect on a profitability, but a negative effect on the default risk of firms. Our study also finds the significant mediation effect of profitability that the enhancement in profitability resulting from technology innovation activity lowers the default risk of firms.

  • PDF