• KDI Journal of Economic Policy
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• 제32권2호
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• pp.171-216
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• 2010

본 연구는 갈수록 복잡다단해지는 지급 결제환경하에서 중요성이 대두되고 있는 결제시스템 간 상호의존성에 대해 그 원인과 유형, 위험관리방안 등을 살펴보고 국내 지급결제시스템 간 상호의존성 현황에 대해 조사한다. 또한 시뮬레이션 기법을 통해 실제 결제불이행의 파급효과를 계량화하여 결제시스템 간 상호의존성 정도를 파악하고 이에 대한 시사점 및 대응 방안을 모색한다. 국내 결제시스템 간 상호의존도는 지난 3년간 큰 폭으로 증가하였으며, 특히 한국은행이 운영하고 있는 거액결제시스템인 신한은금융망(BOK-wire+)은 소액, 증권, 외환결제시스템과 모두 연결되어 있어 시스템 간 상호의존성에 가장 지대한 영향을 미치고 있는 것으로 나타났다. 거액결제시스템은 소액결제와는 일평균 15조 9천억원, 장외증권과는 10조 6천억원의 결제 규모를 기록하고 있는 것으로 조사됐다. 결제불이행의 실제 파급효과를 알아보기 위해 실시한 시뮬레이션 분석 결과, 추가적인 결제불이행 규모는 일평균 최대 13조 6천억원이 발생하여 전체 결제금액의 7.8%를 차지한 것으로 나타났다. 또한 직접적인 결제불이행 금액까지 포함하면 전체의 22.3%를 기록, 국내 결제시스템간 상호의존도가 상당히 높다는 사실을 입증하였다. 또한 결제불이행 발생시점보다 인지시점이 결제불이행 파급효과에 더 중요한 요소로 지적됐고 증권사들이 국내 은행들보다 더 큰 영향을 받는 것으로 드러났다. 반면, 유동성 범위를 확대한 경우에는 추가 결제불이행 규모가 큰 폭으로 감소하였는데, 외국은행 지점의 지급불이행 비중이 상대적으로 증가한 것으로 나타났다. 이 같은 결과를 토대로 본 연구는 거래 상대방 간 상계거래 비중 확대, 증권사에 대한 새로운 결제방식 도입, 금융기관에 대한 원활한 유동성 공급방안 모색, 참여 기관에 대한 모니터링 강화, 참여기관 간 정보공유체제 강화 및 결제시스템 간 협조 강화의 필요성 등 결제위험 최소화를 위한 개선방안을 제시했다.

• 대한기계학회논문집B
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• 제21권5호
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• pp.691-699
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• 1997

The effects of concave hemispherical surface curvature on the local heat transfer from a turbulent round impinging jet were experimentally investigated. The liquid crystal transient method was used for these measurements. This method, which is a variation on the transient method, suddenly exposes a preheated wall to an impinging jet while video recording the response of liquid crystals for the measurement of the surface temperature. The Reynolds number ranges from Re=11,000 to 50,000, the nozzle-to- surface distance from L/d=2 to 10, and the surface curvature from D/d=6 to 12.The present results are also compared to those for the flat plate case. In the experiment, the local Nusselt numbers tend to increase in all regions with an increasing surface curvature. The maximum Nusselt number for all Reynolds numbers occurred at L/d .ident. 6 and a second maximum in the Nusselt number occurred at R/d .ident. 2 for both Re=23,000 and Re=50,000 in the case of L/d=2 and for Re=50,000 only in the case of L/d=4. Meanwhile, as the surface curvature increases, the value of the secondary maximum Nusselt number decreases. All the other cases exhibit monotonically decreasing values of the Nusselt number along the curved surface. The stagnation point Nusselt numbers are well correlated with Re, L/d, and D/d.

• 대한금속재료학회지
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• 제50권9호
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• pp.645-651
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• 2012

This study investigated changes in phase fraction caused by the addition of Mo, as well as the subsequent behaviour of N and its effect on the mechanical properties of welded 24Cr-N duplex stainless steel weld metals. Filler metal was produced by fixing the contents of Cr, Ni, N, and Mn while adjusting the Mo content to 1.4, 2.5, 3.5 wt%. The delta ferrite fraction increased as the Mo content increased. In contrast, the ${\gamma}$ fraction decreased and changed from a round to an acicular shape. Secondary austenite (${\gamma}^{\prime}$) was observed in all specimens in a refined form, but it decreased as the Mo content increased to the extent that it was nearly impossible to find any secondary austenite at 3.5 wt% Mo. Both tensile and yield strengths increased with the addition of Mo. In contrast, the highest value of ductility was observed at 1.41 wt% Mo. At all temperatures, impact energy absorption showed the lowest value at 3.5 wt% Mo, at which the amount of ${\delta}$-ferrite was greatest. There was no significant temperature dependence of the impact energy absorption values for any of the specimens. As the fraction of ${\gamma}$ phase decreased, the amount of N stacked in the ${\gamma}$ phase increased. Consequently, the stacking fault energy decreased, while the hardness of ${\gamma}$ increased.

• 열처리공학회지
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• 제19권1호
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• pp.3-9
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• 2006

The phase changes, nitride precipitation and hardness variations of 14%Cr-6.7Ni-0.65Mo-0.26Nb-0.05V-0.03C super martensitic stainless steel were investigated after nitrogen permeation heat treatment at a temperature range between $1050^{\circ}C$ and $1150^{\circ}C$. The nitrogen-permeated surface layer was transformed into austenite. The rectangular type NbN, NbCrN precipitates and fine round type precipitate were coexisted in the surface austenite layer, while the interior region that was free from nitrogen permeation kept the martensitic phase. The hardness of surface austenite showed 280 Hv, while the interior region of martensite phase represented 340 Hv. When tempering the nitrogen-permeated steel at $450^{\circ}C$, a maximum hardness of 433 Hv was appeared, probably this is attributed to the secondary hardening effect of the precipitates. The nitrogen concentration decreased gradually with increasing depth below the surface after showing a maximum of 0.3% at the outmost surface. The strong affinity between nitrogen and Cr enabled the substitutional element Cr to move from interiors to the surface when nitrogen diffuse form surface to the interior. Corrosion resistance of nitrogen permeated steel was superior to that of solution-anneaed steel in the solution of 1N $H_2SO_4$.

• Journal of Ceramic Processing Research
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• 제20권1호
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• pp.80-83
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• 2019

The Mn4+-activated Li2ZnSn2O6 (LZSO:Mn4+) red phosphors were synthesized by the solid-state reaction at temperatures of 1100-1400 ℃ in air. The synthesized LZSO:Mn4+ phosphors were confirmed to have a single hexagonal LZSO phase without the presence of any secondary phase formed by the Mn4+ addition. With near UV and blue excitation, the LZSO:Mn4+ phosphors exhibited a double band deep-red emission peaked at ~658 nm and ~673 nm due to the 2E → 4A2 transition of Mn4+ ion. PL emission intensity showed a strong dependence on the Mn4+ doping concentration and the 0.3 mol% Mn4+-doped LZSO phosphor produced the strongest PL emission intensity. Photoluminescence emission intensity was also found to be dependent on the calcination temperature and the optimal calcination temperature for the LZSO:Mn4+ phosphors was determined to be 1200 ℃. Dynamic light scattering (DLS) and field-effect scanning electron microscopy (FE-SEM) analysis revealed that the 0.3 mol% Mn4+-doped LZSO phosphor particles have an irregularly round shape and an average particle size of ~1.46 ㎛.