• KDI Journal of Economic Policy
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• 제26권1호
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• pp.105-140
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• 2004

Korea is entering the class of aging population nations. This paper investigates the extent demographic factors and the aging population affect the saving rate, using an extended life-cycle/permanent-income hypothesis on saving. The results of the tests with Korean household survey data from 1977 to 2002 reveal that real saving rates increase when the duration of lifetime and per household real disposable income rise, and decrease when the growth rate of income and net worth-to-GDP ratio rises. The growth rate of per household real disposable income has negative effects, suggesting that households calculate their life cycle income in a forward looking manner. The elasticities with respect to a change in the lifetime horizon and the growth rate of per household income are 0.58 and -0.03, respectively. A one percent rise in the net worth to GDP ratio reduces the saving rate by 0.3 percent. A one percent rise in per household income increases it by 0.33 percent. The younger-age and the elder-age dependency ratios have insignificant effects on the household saving rate behavior. When Korean life expectancy rises, the private saving rate declines modestly and the government saving rate declines substantially. The economy's real net saving rate declines from 33 percent in 2002 to 30 percent by the year 2030.

• Journal of Information Technology Applications and Management
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• 제29권2호
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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.

• 설비공학논문집
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• 제28권3호
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• pp.115-122
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• 2016

In this study, 21 energy reduction factors were selected as architecture, system & operation, and lighting and equipment parts to analyze reduction method of the load occurring in office buildings. Energy consumption simulation was performed. In the architecture part, saving rate (1.53%) of "occupant density" factor was the most efficient. In the system and operation part, saving rate (1.28%) of "interior VAV and exterior FPU type" factor was the most efficient. In case of lighting and equipment part, saving rate (12.42%) of "schedule" factor was the most efficient. In the three parts, saving rate of the lighting and equipment part was 27.32%. This was caused by the "schedule" factor. Saving rates of the architecture part and the system and operation part were 3.39% and 1.20%, respectively.

• 대한가정학회지
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• 제49권8호
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• pp.37-46
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• 2011

Using the 1987-2008 quarterly aggregated data of the Household Income and Expenditure Survey, this study investigated the factors influencing household saving rate. The independent variables in the AR regression model were the GDP growth rate, shares of the total household expenditure allocated to tax & social insurance, and education, the variables reflecting the conditions of the asset market including interest rate, stock market index, and real estate price index, and the variables representing the social economic conditions including the index of aging and income inequality. Among the independent variables interest rate, stock market index, and income inequality were found to be significantly associated with the household saving rate. These results suggested that the redistribution and financial market policies favorable to savers may be effective for raising the household saving rate.

• 한국태양에너지학회 논문집
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• 제32권3호
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• pp.50-58
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• 2012

The objective of this study is to evaluate the lighting dimming rates with various parameters of the building skin in a small office. We compared to simulated workplane illuminance and measured workplane illuminance for the base model. After that, the five veriables(the presence of vertical wall in double skin facade, the presence of windowsill, window to wall ratio(WWR), window visible transmittance, the width of double skin facade) were applied to base model, and we analyzed the simulated lighting energy saving rates. The results are listed as below. The simulated workplane illuminance results are similar to the measurement. Simulated illuminance was smaller than measured illuminance by 16.5%(60 lx). In accordance with applicable building skin parameters, lighting energy saving rate results are summarized as follows. Lighting energy saving rate of case1(windowsill height 0.7m) is higher than that of base case(windowsill and vertical wall) by 7.3% and the lighting energy saving rate of case2(no vertical wall) is higher than that of base case by 7.6% and the lighting energy saving rate of case3(no windowsill and vertical wall) is higher than that of base case by 12.4%. The lighting energy saving rate is increased by 2.3%, when window visible transmittance is increased from 70% to 86%. The lighting energy saving rate is increased by 4.6%, when we changed the WWR 70% to 90%. lighting energy savings rate is increased by 6.5%, when the width of double skin facade is reduced from 1m to 0.3m.

• 산업진흥연구
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• 제1권1호
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• pp.129-135
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• 2016

본 연구에서는 수돗물 가격 인식에 따른 물 절약 효과를 분석하였다. 연구결과 수도요금 가격인상 찬성도에 유의한 영향을 미치는 요인은 수도요금 정부지원 적절성(p<.001), 가정용 수도요금 적절성(p<.01), 수도요금 부과체계 적절성, 수도요금 적절성, 용도별 및 지역별 가격차이 적절성(p<.05) 순으로 영향력이 높은 것으로 나타났다. 또한 최종학력, 거주지, 가구원수, 직업, 월평균 가구소득, 월평균 수도요금에 따른 수도요금 가격인상 찬성도 및 물 절약 행동의지에 대한 집단 간 차이가 나타났다. 본 연구는 수돗물 가격 인식에 따른 수도요금 인상 시 물 절약 효과를 분석함으로써 수돗물 가격인상 찬성도에 영향을 미치는 요인을 밝히고 물 절약 실천을 위한 수도요금 정책에 시사점을 제공한 데 그 의의가 있다.

• 디지털융복합연구
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• 제13권10호
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• pp.219-224
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• 2015

본 연구는 우리나라 가계저축률의 정규분포혼합을 추정한다. 2014년 마이크로데이터인 MDSS를 이용하였고 추정방법으로는 깁스알고리즘을 이용하였다. 실증분석결과의 주요내용은 다음과 같다. 첫째, 정규분포혼합을 추정하기 위한 방법으로 깁스알고리즘은 잘 작동하였다. 즉 주요 모수추정치는 모두 정상적 분포를 갖는 것으로 나타났다. 둘째 저축률 자료는 적어도 2개의 성분, 즉 저축률이 평균 0%인 성분과 평균 29.4%인 성분으로 이루어져 있는 것으로 보인다. 즉 우리나라의 가계는 고저축률 집단과 저저축률 집단으로 나누어질 수 있다는 뜻이다. 셋째 정규분포혼합모형 자체는 어떤 가계가 첫째 성분 또는 둘째 성분에 속하는가를 설명할 수 없다. 이에 본 연구는 추가적인 분석을 수행하였지만 소득수준과 가구주 연령은 이에 대한 설명력을 지니지 못하는 것으로 판단된다.

• 한국유체기계학회 논문집
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• 제18권6호
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• pp.81-85
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• 2015

The purpose of this study is to evaluate energy savings for inverter driving multi-stage centrifugal pump. Variable speed driving pump system has high efficiency compared with constant speed driving pump system. Because of difficulty to estimate operating efficiency of variable speed driving pump system, energy saving rates are used to replace operating efficiency. energy saving rates are calculated from pump input power and pump duty cycle. But another researches have used pump duty cycles of each season for energy saving rate. In this study, for estimating energy saving rate more high accuracy, pump duty cycles are measured for 1 year. pump duty cycles, depending on the season and be classified according to the weekday/weekend or during the week day. By this pump duty cycles, Energy saving rate is calculated appropriately.

• 한국태양에너지학회 논문집
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• 제33권6호
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• pp.54-61
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• 2013

This is study on the glazing performance of the apartment house to predict energy saving rate when the early design stage by calculating heating load. there are various factors of the window type in apartment building to save energy such as window's U-value, SC or SHGC, window wall ration, frame factor, sunshade coefficient and so on. In this study, we analyzed the heating load focused on the U-value, SC and window wall ration using variable heating degree days method for a small and middle size units $59m^2$, $84m^2$, respectively. Each cases were calculated heating load of the real models compared to standard model to predict energy saving rate. From those cases it was drew the conclusion that were window's U-value, SC and window wall ration for the small and middle size units to expect 10% energy saving rate at least.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.595-605
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• 2021

The objectives of this research are to see if the phenomena of "demand following" and "supply leading" exist in the business cycle, as well as to look at how liquidity and output react to changes in credit risk, investment-saving gap, inflation, exchange rate, and growth rate of real national output. Employing quarterly data of Maluku and North Maluku (2008-2019), this study utilizes VAR/VECM for inferential analysis. This research found three important findings. First, liquidity and output growth influenced each other in the long run. Second, the determinants of output growth for Maluku are liquidity, investment-saving gap, and inflation, while the determinants of liquidity are output-growth, the gap of investment-saving, and inflation. Third, the determinants of output growth for North Maluku are liquidity, credit risk, investment-saving gap, inflation, exchange rate, and the national output-growth, while the determinants of liquidity are output-growth, credit risk, investment-saving gap, inflation, exchange rate, and national output-growth. The findings of this study supported the hypothesis of demand following and supply leading theory in the Maluku and North Maluku business cycles. This study concludes that economic development would improve if supported by liquidity adequacy through increased deposit growth.