• 제목/요약/키워드: Term deposit

검색결과 79건 처리시간 0.028초

금융위기 이후 예금취급기관 가계대출과 주택가격의 동태적 관계 (The Dynamic Relationship between Household Loans of Depository Institutions and Housing Prices after the Financial Crisis)

  • 한규식
    • 아태비즈니스연구
    • /
    • 제11권4호
    • /
    • pp.189-203
    • /
    • 2020
  • Purpose - This study aims in analyzing the dynamic relationship between household loans and housing prices according to the characteristics of depository institutions after the financial crisis, identifying the recent trends between them, and making policy suggestions for stabilizing house prices. Design/methodology/approach - The monthly data used in this study are household loans, household loan interest rates, and housing prices ranging from January 2012 to May 2020, and came from ECOS of the Bank of Korea and Liiv-on of Kookmin Bank. This study used vector auto-regression, generalized impulse response function, and forecast error variance decomposition with the data so as to yield analysis results. Findings - The analysis of this study no more shows that the household loan interest rates in both deposit banks and non-bank deposit institutions had statistically significant effects on housing prices. Also, unlike the previous studies, there was statistically significant bi-directional causality between housing prices and household loans in neither deposit banks nor non-bank deposit institutions. Rather, it was found that there is a unidirectional causality from housing prices to household loans in deposit banks, which is considered that housing prices have one-sided effects on household loans due to the overheated housing market after the financial crisis. Research implications or Originality - As a result, Korea's housing market is closely related to deposit banks, and housing prices are acting as more dominant information variables than interest rates or loans under the long-term low interest rate trend. Therefore, in order to stabilize housing prices, the housing supply must be continuously made so that everyone can enjoy housing services equally. In addition, the expansion and reinforcement of the social security net should be realized systematically so as to stop households from being troubled with the housing price decline.

배사비 효율곡선 및 댐 운영기법을 이용한 퇴사량 장기 예측 (Long-term Prediction of Dam Sedimentation Using Sluicing Efficiency Curve and Dam Operation Technique)

  • 이광만
    • 한국수자원학회논문집
    • /
    • 제31권1호
    • /
    • pp.95-103
    • /
    • 1998
  • 댐 퇴사량 예측방법은 수리학적 메커니즘을 이용하는 방법과 실측자료를 설계치로 적용하는 경험적 방법으로 구분할 수 있다. 전자는 물리적 해석방법으로 단기간에 이루어지는 현상을 규명하는데 적용할 수 있으며, 후자는 댐사수량 결정등 장기적인 설계변수 추정에 용이하게 이용할 수 있다. 이중 경험적 자료인 배사비 곡선식을 이용하면 월단위의 저수지 운영이 가능하며, 저류량에 대응하는 퇴사량을 정보변수로 추적하면 퇴사관리의 최적운영이 가능하다. 이와 같은 접근방법은 퇴사량에 의하여 시간적으로 변하는 댐 유효저수용량을 최적으로 관리할 수 있는 운영방안을 제공할 수 있다. 본 연구는 배사비 곡선을 이용한 장기 댐 퇴사량 예측방법을 제시하고 잇다. 개발된 방법을 중국 황하유역에 위치한 분하댐을 대상으로 장기간의 댐 운영을 모의하여 예상되는 퇴사량과 용수공급능력 분석에 적용하였다.

  • PDF

충격기류식 여과집진기에서 경험모델을 이용한 최소압력손실의 분사거리 예측 (The Prediction of Injection Distances for the Minimization of the Pressure Drop by Empirical Static Model in a Pulse Air Jet Bag Filter)

  • 서정민;박정호;임우택
    • 한국환경과학회지
    • /
    • 제20권1호
    • /
    • pp.25-34
    • /
    • 2011
  • The new empirical static model was constructed on the basis of dimension analysis to predict the pressure drop according to the operating conditions. The empirical static model consists of the initial pressure drop term (${\Delta}P_{initial}$) and the dust mass number term($N_{dust}=\frac{{\omega}_0{\nu}_f}{P_{pulse}t}$), and two parameters (dust deposit resistance and exponent of dust mass number) have been estimated from experimental data. The optimum injection distance was identified in the 64 experimental data at the fixed filtration velocity and pulse pressure. The dust deposit resistance ($K_d$), one of the empirical static model parameters got the minimum value at d=0.11m, at which the total pressure drop was minimized. The exponent of dust mass number was interpreted as the elasticity of pressure drop to the dust mass number. The elasticity of the unimodal behavior had also a maximum value at d=0.11m, at which the pressure drop increased most rapidly with the dust mass number. Additionally, the correlation coefficient for the new empirical static model was 0.914.

현장계획에 의한 연약지반의 장기 침하 예측지법에 관한 실증적 연구 (A Study on the Practical Estimation Technique of a Long-term Settlement by the Observation Results in the Field)

  • 서수봉;김수삼
    • 한국해양공학회지
    • /
    • 제5권1호
    • /
    • pp.35-44
    • /
    • 1991
  • This study was carried out for the purpose of pre-estimating long-term settlement under condition of actual field soil's property, in case of building up industrial sites on the marine deposit silty clay located at West Coast in Korea. This study analyzed Hyperbolic Method, Square Root Time Method and Exponential Function Method with utilization of measured survey values of settlement in In-Cheon Namdong Industrial Sites. In the future, for the continuos utilization, it seemed to be needed that further the survey values of fields should be accurartely measured for the analysis of more accurate pre-estimate about long-term settlement. Among the prediction methods of settlement Hyperbolic Method seemed to be the best fitting method for measured data. The settlement equations were derived from above three methods, for long-term settlements.

  • PDF

낙동강 부정형적 사주발달과 환경인자간의 상관성 비교 연구 (Correlation between Sandbar Development and Environmental Factors in the Nakdong River Estuary)

  • 이인철;유창일;윤한삼
    • 한국해양환경ㆍ에너지학회지
    • /
    • 제10권1호
    • /
    • pp.13-20
    • /
    • 2007
  • 본 연구에서는 낙동강 하구 사주영역의 장기적인 지형변화 예측을 위한 기초적 연구로서 서측 제 1사주군 최남단에 위치한 진우도를 대상으로 지형변화를 모니터링하여 시공간적 변동 특징을 살펴보고, 퇴적물 침식퇴적속도와 주요 환경요소간의 상관성을 평가하고자 하였다. 그 결과를 하면 다음과 같다. 1) 진우도 전면의 경우 매우 빠른 속도로 수로 매몰 및 천퇴(Shoal) 발생 현상이 일어나고 있음을 알 수 있다. 이러한 현상은 대체로 춘계보다는 하계(9월 및 10월)가 수심 감소도 크고, 단면별로 변화폭도 큰 것을 알 수 있다. 2) 진우도 평균 퇴적속도는 약 0.85 mm/day로서 진우도 동측의 경우 약 1.32 mm/day, 남측은 약 1.26 mm/day이었으며 최대 퇴적 및 침식속도는 각각 27 mm/day와 26 mm/day로 진우도 동측에서 7월과 12월에 발생하였다. 3) 진우도 표층퇴적물의 평균입경은 $0.18{\sim}0.26 mm$의 범위로서 신생 퇴적 사주의 경우 원 지반에 비해 상대적으로 큰 평균입경을 가지는 것으로 조사되었다. 4) 상관분석 실험결과에 따르면 진우도 남측은 강우량이 적고, 북풍이 우세한 동계에 퇴적현상이, 방류량이 많고 남풍이 우세한 하계에 침식현상이 우세한 반면에, 동편에서는 낙동강 방류량이 많을 시기에 퇴적이 우세하여 남측과는 다른 지형변화 양상을 나타내었다.

  • PDF

무전해 Ni-W-P 도금에서 착화제의 종류가 피막특성에 미치는 영향 (The Effect of Complexing Agents on the Deposit Characteristics in the Electroless Nickel-Tungsten-Phosphorus Plating)

  • 조진기;박상욱;강성군;손성호
    • 대한금속재료학회지
    • /
    • 제46권11호
    • /
    • pp.725-729
    • /
    • 2008
  • Deposition characteristics of electroless plated Ni-W-P films were investigated for various complexing agents. Used complexing agents are sodium citrate, sodium gluconate and sodium malonate. In this study, the existing mixed potential theory could explain the overall mechanism of Ni-W-P electroless plating for all complexing agents. The deposition rate could be also expected by the theory. The deposited Ni-W-P films were evaluated in term of surface hardness and corrosion resistance. Microhardness of the deposit increased about 1,000 Hv after heat treatment for one hour at $400^{\circ}C$, because it was above the crystallization temperature of $Ni_3P$. The deposited Ni-W-P films can exhibit excellent corrosion resistance in using sodium malonate as a complexing agent, the other hand the using sodium gluconate was the worst corrosion resistance. The worst corrosion resistance was due to a large number of nano-sized pin-holes or small pores. The plating current at the mixed potential increases when the using sodium malonate as a complexing agent, it was explained by the cross section.

강변여과수(충적층 및 하상) 열자원 활용 기술 개발 (Development of Technology on Water Thermal Energy Utilization of Riverbank(including Alluvial and Riverbed deposits) Filtration)

  • 김형수;서민우;정우성;송윤호
    • 한국신재생에너지학회:학술대회논문집
    • /
    • 한국신재생에너지학회 2005년도 제17회 워크샵 및 추계학술대회
    • /
    • pp.591-594
    • /
    • 2005
  • Geothermal energy becomes to be one of the promising energy sources. In this study, technology using water thermal energy from riverbank filtration system(including alluvial and riverbed deposit) is reviewed and checked as an energy resources. The objects of this study are (1) long-term monitoring of alluvial and riverbed sites, (2) preliminary design of cooling and heating system at riverbank filtration facility, and (3) calculation of potential groundwater heat energy, including riverbank filtration system. Measuring data of alluvial and riverbank filtration show slight fluctuations comparing to temperature of atmospheric air which indicates that groundwater obtained from the riverbank filtration system have a sufficient potential as a source of cooling and heating energy.

  • PDF

An analysis of the utilization of defect deposits for apartment complexes

  • Seo, Deok-Seok;Lee, Ung-Kyun
    • 한국건축시공학회지
    • /
    • 제13권6호
    • /
    • pp.549-556
    • /
    • 2013
  • This study analyzed the actual use of defect deposits for financing long-term expenses (that is, expenses incurred within 4-10 years of building completion) and for financing short-term expenses (that is, expenses incurred within 3 years of building completion). Therefore, 36 cost data on the expenses financed out of defect deposits for apartment complexes were collected from construction companies and analyzed using statistical methods. The findings revealed that 62.6 percent of defect deposits were spent to resolve actual defects, and 37.4 percent were spent resolving resident complaints. Furthermore, these results are valid regardless of the location of the complexes. As such, these results could be of significance when establishing or revising regulations regarding the repair of the long-term defects of apartment complexes.

저수지 장기운영을 위한 퇴적토사의 효율적 관리(1) - 저수지 퇴사량 산정 (An Efficient Management of Sediment Deposit for Reservoir Long-Term Operation (1) - Reservoir Sediment Estimation)

  • 안재현;장수형;최원석;윤용남
    • 한국물환경학회지
    • /
    • 제22권6호
    • /
    • pp.1088-1093
    • /
    • 2006
  • In this study, the method of annual sediment estimation for reservoir long-term operation is proposed. Long-term daily precipitation and evaporation are predicted by Markov Chain. Using these values, reservoir inflow is simulated by NWS-PC model. Reservoir sediment load is estimated by sediment rating relation curve which is observed. From the simulation results, it was found that each simulated value by Markov Chain and NWS-PC was well compared to the observed ones and also estimated reservoir sediment was appropriate to the compared values using empirical equations. It is thought that the proposed method for estimation of reservoir sediment can be useful used to operate the reservoir.

과압밀 및 정규압밀영역의 응력상태에 따른 부산점토 장기압밀특성 (Long-term Consolidation Characteristics of Busan Clay considering OC or NC States)

  • 김윤태;조상찬
    • 한국해양공학회지
    • /
    • 제25권6호
    • /
    • pp.110-115
    • /
    • 2011
  • Numerouslong-term consolidation and secondary compression settlements may occur in Busan clay, which is astructured soft clay and consists of a thick clay deposit. As a surcharge load is applied to soils, soils experience different stress paths with depth. Therefore, it is necessary to study the long-term consolidation behavior of Busan clay considering stress conditions such as OC or NC states. In this study, a series of long-term consolidation tests were performed to investigate the consolidation characteristics of Busan clay for 20 days. The undisturbed clay samples were taken from 3 sites located in the Nakdong River estuary. The results showed that the creep rate of the Busan clay gradually decreased with time, which indicated that the secondary compression settlement decreased with time. In addition, the experimental results for 3 samples showed that the ratios were about 0.0363 and 0.051, respectively.