• KDI Journal of Economic Policy
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• v.13 no.1
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• pp.167-197
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• 1991

This paper is intended as an introductory essay to explain endogenous changes in the scope of firm activities in the competitive structure of a deregulated, multi-product financial industry. Recently, the global financial industry has been experiencing a widespread reshuffling in its activities, reflecting both consolidation and specialization. The spread of the universal banking system, which involves the integration of various kinds of financial activities, has resulted in the so-called financial supermarket. At the same time, the traditional set of banking activities has been unbundled into so-called financial boutiques. A relevant question is where the current reshuffling process of integration and disintegration in financial activities might lead the financial industry. However, presently popular theories of the financial industry are not really appropriate for the analysis of this issue. This paper attempts to integrate the theory of specialization [George J. Stigler, "The Division of Labor is Limited by the Extent of the Market," Journal of Political Economy, Vol. LIX, No.3, June 1951] and the theory of the multi-product firm [William J. Baumol, John C. Panzar, and Robert D. Willig, Contestable Markets and the Theory of Industry Structure, Harcourt Brace Jovanovich, Inc., New York, 1982] and to apply the resulting hybrid theory, a theory on the scope of financial activity, to the financial industry. The implications of this theory for the issues raised above are formalized under five hypotheses on the reshuffling of financial activities as listed below: Hypothesis I: The differences in the organization of financial industries among countries are determined by differences in the size of the financial markets, other things being equal. Hypothesis II: A financial firm will separate those financial activities simultaneously having relatively strong economies of scale and relatively weak economies of scope (alternatively, diseconomies of scope) from other activities. Conversely, the firm will integrate those activities simultaneously having relatively weak economies of scale (alternatively, diseconomies of scale) and relatively strong economies of scope with incumbent activities. Hypothesis III: A competitive equilibrium in the deregulated financial industry will consist of both specialized and multi-product financial firms, resulting in a mixed form of specialized and universal banking systems. Hypothesis IV: As world financial markets fully integrate and all countries consequently face this single, common world market, the financial structures of individual countries will become increasingly similar. Hypothesis V: A more universal banking system will dominate the deregulated financial industry in countries with relatively small financial markets, while a more specialized banking system will dominate in countries with relatively large financial markets. However, equilibrium will ultimately be mixed, with specialized and universal banks coexisting, as stated in Hypothesis III. Based on these hypotheses, this paper interprets the historical development of specialized vs. universal banking systems in major industrial countries as a process driven by the evolution of the financial market in each country - i.e. the change in the size of the financial market over time. In addition, this paper anticipates that the final equilibrium of the world financial industry, which is currently under the pressure of financial innovations and deregulation, will be a mixed equilibrium with both specialized boutiques and universal supermarket-type financial firms, instead of an exclusively specialized or universal banking system. Future research should seek continued theoretical elaboration and empirical verification of this paper's hypotheses.

• KOREAN JOURNAL OF CROP SCIENCE
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• v.51 no.3
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• pp.248-258
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• 2006

Genetic diversity of 91 Korean soybean cultivars was assessed with 20 simple sequence repeat (SSR). Twenty SSR loci generated a total of 149 alleles. The number of alleles for each SSR locus ranged from 3 to 15 with a mean of 7.5 alleles. Genetic diversity estimated by PIC value of 91 cultivars was ranged from 0.424 to 0.905 with an average of 0.711. Cluster analysis based on Nei's genetic distances classified 91 soybean cultivars except Geomjeongkong 4 into 7 groups. The majority groups were I, IV, and VI which included 26, 24, and 18 cultivars, respectively. Obvious differences in genetic diversity appeared to be related with the released periods of cultivars and utilization type of cultivars, but not with breeding sites. Cultivars released in 1970's and in 1990's showed the lowest and the highest genetic diversities with 0.576 and 0.706, respectively. Soybean cultivars for vegetable and early maturity showed the lowest genetic diversity with 0.514, while those for soy sauce and tofu showed the highest genetic diversity with 0.691. Genetic distance between soybean cultivar groups developed before 1969 and during 1970's was the nearest, while genetic distance between those developed in 1970's and 1990's was the furthest. Cultivar group for vegetable and early maturity showed the furthest genetic distance with cultivar group for soy sauce and tofu, while it showed the nearest genetic distance with cultivar group for cooking with rice. Genetic distance was greater between soybean cultivar groups developed in Suwon and Iksan than between those developed in Milyang and Iksan.

• Korean Journal of Fisheries and Aquatic Sciences
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• v.31 no.3
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• pp.330-342
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• 1998

Benthic environmental parameters were analysed at 40 stations during the period from April 1995 to February 1996. such as water temperature, salinity, and dissolved oxygen (DO)-concentration in the surface and bottom water layers, grain size, chemical oxygen demand (COD), ignition loss, particulate organic carbon (POC) in the sediment of Youngsan River estuary. The water temperature ranged from 4.1 to $29.8^{\circ}C$ in the surface and 4.0 to $20.7^{\circ}C$ in the bottom layers. Salinity ranged from 15.1 to $33.6\%_{\circ}$ in the surface and 31.5 to $33.2\%_{\circ}$ in the bottom layer. The salinity in the outer pan of the study area was higher than that of inner area from autumn to spring, whereas they remained lower in summer. Dissolved oxygen concentration ranged from 5,1 to 11.2 $mg/\ell$ in the surface, and 0.79 to 10,2 $mg/{\ell}$ in the bottom layers. Hypoxic condition ($\le2.0mg/\ell$) was developed in the bottom water layer from Youngsan dike to Mokpo Harhour in summer due to the summer stratification. The surface sediment type was silty clay with a mean grain size of $9.12{\pm}0.45\phi$. The range of COD was from 6.15 to $15.49mgO_2/g$ with a mean of $10.59{\pm}12.64mgO_2/g$. The COD in the inner stations was relatively higher than that of outer stations, and decreased toward the outer part of the study area. Ignition loss (IL) ranged from 3.35 to $15.45\%$ with a mean of $5.96{\pm}1.91\%$. Principal component analysis was carried out from the following five environmental parameters: water temperature, dissolved oxygen in the bottom layer and mean grain size, clay content and COD in the sediment. The forty stations in the study area were classified into three stational groups. Group I was located in the inner part of the estuary characterised by relatively low surface salinity and bottom water temperature, fine sedimemt texture, high organic matter and low dissolved oxygen concentration during the summer. Meanwhile, Group III showing relatively high bottom salinity and water temperature was located in the outer part of the estuary characterising coarse sediment and low organic content in sediment. Group II was between Group I and Group III. The division of the areal groups had high correlations to the DO in the bottom layer and clay content in the sediment.

• Journal of the Korean Society of School Health
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• v.4 no.2
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• pp.100-118
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• 1991

This study was conducted in order to grasp the condition of the student's knowledge and attitude about sex. And to offer the basic materials for sex education of school health service. The objects were comprised of 464 volunteered students who study in commercial girls' high school. The material of this study was the questionaire suited to the purposed of this research which has been made through studying references. All the questionaire written by students. The self reported questionaires were collected immediately without explanation on supervision of school nurse. The data was collected from 28th to 30th of June on 1990. Analysis of the data was done utilizing SPSS for percentage, mean, ANOVA and Pearson Correlation Coefficients. The Results are as follows; 1. General features of the objects of study School grade distribution was similar. Fathers of 41-50 years were the highest(58.3%), mothers of 41-50 years were the highest(64.3%), family of living together were the highest(87.5%), fathers of graduated high school were highest(60.7%), mothers of graduated middle school were the highest(43.0%) and neuclear families were highest(91.5%). 2. The Conditions of Knowledge about sex When 5 Point was given to "Well known" and 1 point was given to "Never known", the total average was 2.97, Especially the mean of Female physiology was shown 3.93, 73.4% of students have known. But the mean of male physiology was shown 2.23, 17.2% of students only. And Family planning item was 3.54, hymen item was 3.38, female genitalia item was 3.35, abortion item was 3.25, Intercourse and pregnancy item was 3.24, Ovulation item was 3.02, Contraception item was 2.97, Veneral disease and masturbation item was 2.82, maintenance of pregnancy item was 2.76, Anatomical differences between male and female item was 2.59, male genitalia item was 2.31, ejaculation item was 2.27. 3. The conditions of attitude about Sex When 5 point was given to "Very affirming" and 1 point was given to "Very deny" the total average was 3.20. Especially the mean of social intercourse between other sex was shown 3.92, 73.4% of students have affirmed. But the mean of psychic response on menstruation was shown 2.24, 8.8% of students only. And baby birth item was 3.72, the fact that I am a woman item was 3.53, marriage item was 3.49. Secondary body change item was 3.38, puberty item was 3.31, delivery and sexual intercourse item was 3.05, pregenancy item was 3.02, psychic condition on menarche item was 2.50. Also present counsellors about sex were teachers in charge (44.9%), friends(21.6%), mothers(20.6%), elder sisters (10.6%), mass-communications (1.5%), fathers (0.4%), school nurses and elder brother(0.2%). In addition to, future counsellors about sex were friends (37.7%), mothers(30.6%), elder sister (18.4%), school nurses (4.6%), mass communication (3.8%), teachers in charge (2.5%), elder brothers (1.4%) and fathers(1.0%). 4. Correlation between the general features and knowledge variables School grade and knowledge condition has relationship to female genitalia(P<0.05), female physiology (P<0.00), male physiology (P<0.05),ovulation (P<0.00), and femily planning (P<0.005). Fathers age and knowledge condition has relationship to male physiology(P<0.05), and abortion (P<0.05). Marrital status and knowledge condition has relationship to female physiology (P<0.01), masturbation (P<0.05). Fathers educational background and knowledge condition has relationship to masturbation (P<0.00). Mothers age and knowledge condition has relationship to family planning (P<0.05). 5. Correlation between the general futures and attituded variables Fathers age and attitude condition has relationship to psychic response on menstruation (P<0.05). Mothers age and attitude condition has relationship to fact that I am a woman (P<0.00). Mothers educational background and attitude condition has relationship to social intercourse between other sex (P<0.05). Type of family and attitude condition has relationship to puberty (P<0.01). 6. Correlation between knowledge condition and attitude condition Those who had more knowledge about sex have more affirmative response (P<0.001).

• Radiation Oncology Journal
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• v.27 no.3
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• pp.153-162
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• 2009

Purpose: To evaluate the long-term results after breast-conserving surgery and radiation therapy in early breast cancer in terms of failure, survival, and cosmesis. Materials and Methods: One hundred fifty-four patients with stage I and II breast cancer were treated with conservative surgery plus radiotherapy between January 1992 and December 2002 at the Keimyung University Dongsan Medical Center. According to TNM stage, 93 patients were stage I, 50 were IIa, and 11 were IIb. The affected breasts were irradiated with 6 MV photons to 50.4 Gy in 28 fractions over 5.5 weeks with a boost irradiation dose of 10~16 Gy to the excision site. Chemotherapy was administered in 75 patients and hormonal therapy in 92 patients with tamoxifen. Follow-up periods were 13~179 months, with a median of 92.5 months. Results: The 5- and 10-year overall survival rates were 97.3% and 94.5%, respectively. The 5- and 10-year disease-free survival (5YDFS and 10YDFS, respectively) rates were 92.5% and 88.9%, respectively; the ultimate 5YDFS and 10YDFS rates after salvage treatment were 93.9% and 90.2%, respectively. Based on multivariate analysis, only the interval between surgery and radiation therapy ($\leq$6 weeks vs. >6 weeks, p=0.017) was a statistically significant prognostic factor for DFS. The major type of treatment failure was distant failure (78.5%) and the most common distant metastatic site was the lungs. The cosmetic results were good-to-excellent in 96 patients (80.7%). Conclusion: Conservative surgery and radiation for early stage invasive breast cancer yielded excellent survival and cosmetic results. Radiation therapy should be started as soon as possible after breast-conserving surgery in patients with early breast cancer, ideally within 6 weeks.

• Korean Journal of Environmental Agriculture
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• v.31 no.2
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• pp.157-163
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• 2012

BACKGROUND: For the safety of imported agricultural products, the study was conducted to develop the analytical method of unregistered pesticides in domestic. The analytical method of 6 pesticides, chlorthal-dimethyl, clomeprop, diflufenican, hexachlorobenzene, picolinafen, and propyzamide, for a fast multi-residue analysis were established for two different type crops, orange and brown rice by GC-ECD and confirmed by mass spectrometry. METHODS AND RESULTS: The analytical method was evaluated to limit of quantification, linearity and recoveries. The crop samples were extracted with acetonitrile and performed cleanup by liquid-liquid partition and Florisil SPE to remove co-extracted matrix. The extracted samples were analyzed by GC-ECD with good sensitivity and selectivity of the method. The limits of quantification (LOQ) range of the method with S/N ratio of 10 was 0.02~0.05 mg/kg for orange and brown rice. The linearity for targeted pesticides were $R^2$ >0.999 at the levels ranged from 0.05 to 10.0 mg/kg. The average recoveries ranged from 74.4% to 110.3% with the percentage of coefficient variation in the range 0.2~8.8% at two different spiking levels (0.02 mg/kg and 0.2 mg/kg, 0.05 mg/kg and 0.5 mg/kg) in brown rice. And the average recoveries ranged from 77.8% to 118.4% with the percentage of coefficient variation in the range 0.2~6.6% at two different spiking levels (0.02 mg/kg and 0.2 mg/kg, 0.05 mg/kg and 0.5 mg/kg) in orange. Final determination was by gas chromatography/mass spectrometry/selected ion monitoring (GC/MS/SIM) to identify the targeted pesticides. CONCLUSION: As a result, this developed analytical method can be used as an official method for imported agricultural products.

• Tuberculosis and Respiratory Diseases
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• v.55 no.3
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• pp.267-279
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• 2003

Background : The purpose of this study was to analyze the smoking habits in patients with lung cancer and identify any difference of prevalence according to histologic types of lung cancer. Methods : The data were calculated by total amounts of tar and nicotine inhaled during the whole lifetime according to variation of smoking habit. This study was to investigated any difference of prevalence in lung cancer according to smoking habits. The subjects comprised 150 lung cancer cases and 300 hospital control cases that were matched by age and sex. Smoking habits during the whole lifetime were surveyed by standardized questionnaire. Odds ratios were estimated by unconditional logistic regression analysis. Results : There were 104 male and 34 female lung cancer cases. By histologic type, there were 53 cases of squamous cell carcinoma, 67 of adenocarcinoma and 30 of small cell lung carcinoma. The differences between lung cancer cases and controls according to smoking habits were total duration of smoking, total pack years of smoking and number of cigarettes smoked per day during the previous two years. The odds ratio were higher in Kreyberg I, but not in Kreyberg II, for the longer duration of smoking, the greater total pack years of cigarettes consumed, the more cigarettes smoked per day during the previous two years, the longer duration on non-filter smoking, the earlier life cases who began to smoke, and the higher amounts of calculated total tar and nicotine inhaled over the whole lifetime. When we added grade of inhalation to calculation of amounts of tar and nicotine inhaled over the lifetime, the odds ratios of total inhalation amounts of tar and nicotine were as high as those the without them. Conclusions : This study reconfirmed that smoking habits were strongly associated with lung cancer and that there were different associations between smoking habits and histologic types of lung cancer. In particular, calculations of total tar and nicotine amounts inhaled over the whole lifetime were calculated for the first time in trials from lung cancer epidemiologic studies.

• Korean Journal of Heritage: History & Science
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• v.37
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• pp.91-120
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• 2004

The Yan mountain area of the northern part of Hebei province and its local neighbor area is categorized main-distribution area of the northern bronze culture of the Eastern Zhou period(770bc~221bc). Recently, it was discovered the concrete character of the culture by a large scale excavation of the Yuhuangmiao cemetery at Jundu mountain. In the chinese scholarship, the cultural character of this area has established the independent cultural type that is distinguished from the Bronze culture of existing. In this paper, I have as a target of analysis remains relate to the Yuhuangmiao culture of the mountain area of northern Hebei in the Eastern Zhou period. And I would like to judge about diverse infuluential relationships of the character of the Yuhuangmiao curture and the Bronze culture, especially burials, burial customs and the characters of the excavated article. In particular, diverse infuluential relationships of the upper Xiajiadian culture Ordos bronze culture and The Central Plains cultural from The Yan state have a important meaning to understand about the character of the Yuhuangmiao culture and the beginning development process. Ultimately, it is peculiar characters of the Yuhuangmiao culture that a shaft gave with stone compartment protecting a coffin as a symbolic form, mask-burial customs such as mainly burials of the living with the dead dogs, a drum shaped jar, a tripod jar with two handles, a short bronze sword with circle hilt, Central Plains cultural bronze containers, bronze halberd and horse-shaped accessories of cartage horse trapping are distinguished from a local neighbor, the bronze culture from northern. The territory of time-space of The Yuhuangmiao culture can be dominately recognized bewteen the upper Xiajiadian culture and Ordos bronze culture. It is the Yan culture after the middle Warring States Period considering with the peculiar chacters which reflected by burials and bural customs and diverse infuluential relationships with peripheral cultures.

• Korean Journal of Environment and Ecology
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• v.35 no.6
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• pp.579-593
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• 2021

In order to understand the types of vegetation in warm temperate-climate zones, vegetation was investigated in several island areas in Jeollanam-do (Jindo, Wando, Gangjin, Goheung, and Yeosu). The evaluation standard for degraded level of warm temperate forests were proposed based on the importance percentage (IP) in canopy layer of the evergreen broad-leaf forests and the number of arboreal evergreen broad-leaf species. Through these measurements, the restoration types and techniques for each degraded level were estimated, and it is intended to be used in establishing restoration plans for the southwest coast island area. The vegetation was analyzed using the two-way indicator species analysis (TWINSPAN) method using survey data of 307 plots. As a result, it was divided into 8 communities, and the appearance characteristics of evergreen broad-leaf species were identified in each community. Community I was located on the lower slope at an altitude of 86.6 m, and Neolitsea sericea and Castanopsis sieboldii were dominant. Communities II and III were the vegetation types that appear on the coast below an altitude of 10.5 to 22.5 m, and Machilus thunbergii, Cinnamomum japonicum, N. sericea, and C. sieboldii were dominant. Communities IV and V were vegetation types that appeared in the lower and middle slops between the altitudes of 71.9 to 153.4m, and C. sieboldii was dominant. In community VI, the N. sericea was dominant in the lower and middle slops at an altitude of 166.9 m. The last communities VII and VIII were the vegetation types that appeared on the middle slop at an altitude of 187.8 to 246.2 m. Also, Quercus acuta and Q. salicina were present. In summary, the evergreen broad-leaf forests dominated by M. thunbergii, C. japonicum, and N. sericea appeared mainly in the coastal areas of the lowlands. The community of C. sieboldii was distributed higher inland than this community. The communities that appeared mainly in the inland highlands at levels above these two communities were Q. acuta and Q. salicina. The degraded level was classified as 0 to V, according to the IP of arboreal evergreen broad-leaf species and the number of arboreal evergreen broad-leaf species. According to the degraded level, the restoration types (preservation, induction, improvement, creation) and the restoration techniques were determined.

• Korean Journal of Head & Neck Oncology
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• v.9 no.1
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• pp.25-32
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• 1993

The nodular hyperplasia of the thyroid is a common thyriod disease. Nodular hyperplasia does rarely progress to thyroid cancer. The differentiation of a nodular hyperplasia from a neoplasm may be simple or difficult, both clinically and anatomically. The papillary carcinoma of the thyroid is the most common type of thyroid malignancies. There were few studies about cytogenetic observation in thyroid cancer. But only one case of banding observation in nodular hyperplasia have been reported. In order to compare the chromosomal changes in the thyroid cancer and the noncancerous thyroid disease, we performed cytogenetic analysis in two papillary carcinoma and two nodular hyperplasia after cell culture. The chromosomal pattern of the nodular hyperplasia found was very heterogenous but no clonal abnormaly in both cases was observed. Case I : A modal chromosomal number was in 42-46 range. Chromosome 8, 19, 21. 22 were commonly lost. 9 structural anomalities among 51 analysed cells were observed but they were not clonal. Case II: A modal chromosomal number was 43. Chromosome 17 and 19 were commonly lossed. Common cytogenetic characters of this two nodular hyperplasia are hypodiploidity and very heterogenous chromosomal pattern. The result about the papillary carcinoma are as follow. In one case some numerical and structural chromosomal changes were observed. But they were not clonal abnormality. In another case the chromosomal pattern found was very heterogenous with a clonal abnormality of del(11)(q23). The modal number was 46. The del(11)(q23) a chromosomal change in papillary carcinoma of the thyroid have previously been reported(Eva Olah et al. 1989). We suggest that 11q deletion may be important role to pathogenesis of papillary carcinoma of the thyroid. According to this results, we could not find out specific differences about chromosomal changes and any relationship between the papillary carcinoma and the nodular hyperplasia.