• 제목/요약/키워드: household good

검색결과 224건 처리시간 0.028초

중소형증권사 Project-Financing 우발채무 확대에 따른 금융감독원 관리방안에 관한 연구 (Study on Management Plan of the Financial Supervisory Service According to Increase of Risk of Household Debts)

  • 이윤홍
    • 한국건설관리학회논문집
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    • 제19권4호
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    • pp.21-33
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    • 2018
  • 2018년 부동산시장은 정부의 강력한 부동산규제에 따라 거래가 거의 이루어지지 않고 있고, 미국의 기준금리 인상에 따른 대출금리 상승으로 하락국면으로 접어들 가능성이 높다. 대형건설사는 주요 매출수익은 해외플랜트와 민간개발사업 으로 나누어지는데, 해외플랜트사업은 예상치 못한 설계변경 및 공기지연으로 대규모 손실이 나타나 신용등급이 하락되는 어려움을 겪었다. 민간개발사업의 경우도 부동산시장이 하락국면으로 접어들고 있어 전체적인 사업리스크가 상승하고 있다. 중소형증권사의 경우 증권영업의 적자로 인해 수익을 만회하고자 PF시장에 적극적으로 참여하여 단기간에 많은 영업이익을 시현하였지만, 현재는 서울을 제외한 지역은 분양이 쉽지 않고, 대형건설사 재무상태도 양호하지 않아 기 취급된 PF유동화증권이 우발채무가 발생하면 유동성 위기에 직면할 수 있다. 예전의 저축은행 사태를 경험하였듯이 금융감독원의 선제적인 관리방안과 감독방향을 제시하여 위기를 극복해야 할 것이다.

여행비용접근법을 적용한 미술관 방문수요함수 추정 : 국립현대미술관을 사례로 (Demand Estimation for Art Museum using Travel Cost Method : A Case of National Museum of Modern and Contemporary Art)

  • 엄영숙;김진옥;박인선
    • 문화경제연구
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    • 제19권2호
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    • pp.29-50
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    • 2016
  • 본 연구는 국립현대미술관을 방문하여 즐기는 문화서비스에 대한 수요함수를 개인별 여행비용접근법을 적용하여 추정하였다. 미술관 방문에 따른 여가시간의 기회비용을 고려하였고, 비방문객들의 선호를 반영하기 위해서 방문지점조사와 일반가구조사 표본을 같이 분석하여 제로방문을 절단하지 않는 가산자료모형을 사용하였다. 국립현대미술관 방문수요는 수도권 거주자일수록 그리고 방문지점조사 응답자일수록 방문빈도가 높았다. 수도권 거주자들의 방문수요에 대한 가격탄력성은 -0.34에서 -0.5로 비탄력적인 반면에 원거리 거주자이지만 일단 미술관을 방문한 응답자들의 가격탄력성이 -0.21로 가격변화에 둔감하게 반응하는 것으로 나타났다. 나아가서 비수도권 거주자들의 소득탄력성은 0.499로 미술관 방문으로 누리는 서비스가 정상재로 나타난 반면 수도권 거주자들의 소득탄력성은 -0.052로 열등재로 나타났다.

1인 노인가구의 경제적 특성과 삶의 만족도 연구: 저소득가구와 고소득 가구의 비교 (Study on the Relations between the Economic Characteristics and Life Satisfaction by Income Levels among Single Elderly Households)

  • 정운영;정세은
    • 한국노년학
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    • 제31권4호
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    • pp.1119-1134
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    • 2011
  • 본 연구는 국민연금연구원의 제 3차 '국민노후보장패널조사'를 이용하여 60세 이상 1인 노인가구의 사회인구학적 특성 및 건강상태, 경제적 상태의 특성을 이해하고 이 요인들과 삶의 만족도와의 관계를 고소득가구와 저소득가구로 나누어 집단별로 분석하고자 하였다. 연구방법으로는 첫째, 조사대상자의 특성들에 대한 빈도분석, 평균과 표준편차를 구하고, 둘째, 각 영역별 삶의 만족도와 전반적인 삶의 만족도 간의 상관관계를 실시했으며 셋째, 삶의 만족도에 영향을 주는 결정요인을 분석하기 위해 다중회귀분석을 실시하였다. 회귀분석 결과 첫째, 1인 노인 가구는 종교가 있고, 신체적 건강과 심리적 건강 상태가 좋을수록, 총가계 소득이 많을수록 전반적인 삶의 만족도가 높은 것으로 나타났다. 둘째, 1인 노인가구를 소득계층별로 분석한 결과, 종교와 소득 수준이 유의하지 않은 것으로 나타났으며 저소득 가구에서는 남성에 비해 여성인 경우, 신체적 건강과 심리적 건강상태가 좋을수록, 고소득 가구에서는 취업 상태인 경우, 신체적 건강 및 심리적 건강상태가 좋을수록 생활 전반 만족도가 높은 것으로 나타났다. 소득 수준이 직접적으로는 유의미한 영향을 주지 않는 것으로 나타났으나 간접적으로 건강상태나 삶의 조건에 영향을 미치는 것으로 보인다.

일부 농촌지역의 일차의료이용실태와 그 관련요인에 관한 연구 (A Study on Status of Utilization and The Related Factors of Primary Medical Care in a Rural Area)

  • 위자형
    • 농촌의학ㆍ지역보건
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    • 제20권2호
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    • pp.157-168
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    • 1995
  • This study was carried out, through analyzing the annual reports(year of 1973-1993) on health status of Su Dong-Myun, and specific survey data of 332 households(Su Dong-Myun 209, Byul Nae-Myun 123), located in Nam Yang Ju-Si, Kyung Gi-Do, from July 20 to July 31, 1995, to find out more effective means for primary medical care in a rural area. The results were as fellows : 1. Number of population in Su Dong-Myun was 5,419 in 1973, 4,591(the lowest) in 1987 and 5,707 in 1995. In the composition rate of population, "0-14" of age group showed markedly decreasing tendency from 43.1% in 1975, to 19.1% in 1995, however "65 and over" markedly in creasing tendency form 5.3% in 1975 to 9.8% in 1995. 2. Annual utilization rate per 1,000 inhabitants in Su Dong-Myun showed markedly increasing tendency from 1973 to 1977 such as 343 in 1973, 540 in 1975, 900 in 1977. However, since 1979, the rate showed rapidly decreasing tendency, such as 846 in 1979, 519 in 1985, 190 in 1991 and 1993. 3. The morbid household rate per year was 53.6% of respondents and the rate per 15 days was 48.2%. In disease classification rate of morbid household per year, Arthralgia & Neuralgia was the highest rate(33.9%) and gastro-intestinal disorder(19.3%), Cough(11,9%), Hypertension(7.8%), Accident(3.2%) in next order. 4. In the utilizing facilities for Primary Medical Care, Medical facilities was showed the highest rate(58.1% of respondents) and Pharmacy and Drug Shp(33.1%), Tradition Method(4.0%) in next order. In the Medical facilities, General private clinic was showed the highest rate(34.3%) and specific private Clinic(22.3%), Hospital(19.0%), Health (Sub)center(16.3%), Nurse practitioner (3.3%), Oriental hospital and clinic(2.7%) in next order. 5. Experience rate, utilizing health subcenter was 51.8% of the respondents, and it was 55.0% in Su Dong-Myun and 46.3% in Byul Nae-Myun. In utilization times of health subcenter, times-rate showed next orders such as 1-2 times/6months(31.6%), 1-2 times/year (22.1%), 1-2 times/months(19.2%), 1-2 times/3months(15.6%). 6. In objectives, visiting Health Subcenter, Medical Care was the highest rate(59.8% of the respondents) and health control(23.3%) was in next order. In Medical Care, Primary Care by general physician was higher rate(51.1%) almost all. In the Health control, Immunization too was high rate(18.0%) in health control activities. 7. The reasons rate, utilizing health subcenter showed next order, such as distance to Medical facilities(33.0% of the respondents), Medical Cost(28.1%), Simple process of consultation (10.8%), Effectiveness of cure(7.6%), Function of primary medical care(7.0%) and Attitude of physician(6.5%). 8. In the affecting factors to utilization of primary medical facilities, medical needs was showed the highest rate(29.5% of the respondents) and medical cost(15.4%), distance to medical facilities(14.2%), traffic vehicle(14.2%) and farm work(6.9%) in next order. 9. In the priority between 'daily farm work,' and 'primary medical care', only 46.4% of respondents answered that primary health care is more important than the daily farm work The 22.6% of respondents answered 'daily farm work', and the 12.3% answered 'the equal of the both'. 10. In the criterion of medical facilities choice, medical knowledge and technical quality was showed the highest rate(56.3%), distance or time to medical facilities(10.9%), sincerity and kindness of physician(9.4%), medical cost(8.7%) and traffic vehicle(6.5%) in next order 11. In the advise for improvement of health subcenter function, the 36.1% of respondents answered that 'enforcement of medical personnel and equipment' was required, and then 'improved medical technology'(25.5%), 'good attitude of physician'(14.9%), 'improved medical system'(13.3%), 'enforced drug'(6.7%) in next order. 12. The study on affecting factors to utilization of primary medical facilities was very difficult subject to systematize the analyzed results, due to a prejudice of protocol planner, surveyer and respondent, and variety and overlapping of subject matter.

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전통민가와 사찰에 나타난 꽃담의 형태와 상징성 연구 - 전라북도 문화재를 중심으로 - (Comparative Study on the Shape and Symbolism of Flowered-Wall in Tradition Private Houses and Temples - Focusing on the Designated Cultural Properties of Jeollabuk-do Province -)

  • 고유라;신상섭
    • 한국전통조경학회지
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    • 제34권3호
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    • pp.18-27
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    • 2016
  • 건물의 벽이나 담에 여러 가지 문양을 넣은 담장을 '꽃담' 또는 '화초장(花草墻), 화문장(花紋牆)'이라고 한다. 꽃담을 통해서 외적으로는 소유자의 권위, 가치관 등을 짐작할 수 있고, 내적으로는 집안의 안녕과 평화를 기원하는 상징적 의미를 추적할 수 있기도 하다. 그동안 꽃담 관련 연구의 경우 궁궐은 건축, 원예, 미술 디자인 분야 등에서 다양하게 진행된 반면 지역성과 관련한 전통민가와 사찰 관련 연구는 조경분야에서 전무한 상태이다. 이러한 관점에 착안하여 본 연구는 국가 및 도지정 문화재인 전라북도 소재 전통민가와 사찰의 꽃담 사례를 조경적 관점에서 조사, 분석하였다. 전수 조사한 결과 꽃담이 도입된 전통민가 9개소와 사찰 7개소를 중심으로 연구분석하였다. 즉, 전라북도에 산재하는 문화재 16개소를 중심으로 전통민가와 사찰에 나타나는 꽃담의 형태와 기능, 재료, 문양의 상징적 의미를 추적하여 연구결과를 도출하였다. 꽃담은 위치와 형태에 따라 공간기능과 성격이 차별화 되며, 문양의 경우 담장은 물론 합각, 고막이, 굴뚝 등에 다양하게 나타난다. 민가에서는 식물은 물론 문자문양까지 다양한 반면 사찰에서는 불교의 교리와 신앙 등의 의미를 지닌 신앙관련 문양이 주로 나타난다. 상징적으로 민가의 경우 가문과 자손 번영, 벽사, 장수, 길수(吉數) 등이 나타나며, 사찰에서는 불성(佛性)과 극락왕생(極樂往生)을 기원하고 연꽃의 속성을 강조하는 등 의미적 차별성이 표출된다. 결과적으로 본 연구를 통해 향토 조경문화의 올바른 조명, 현대 공간에 꽃담을 모티브로 한 한국적 정취의 표출 가능성, 그리고 꽃담에 대한 인식 제고와 계승 방안 모색을 위한 기초자료 제공 등과 같은 연구 성과를 도출할 수 있었다.

샤르댕의 아동 교육 장르화 - 18세기 프랑스 부르주아의 계몽주의적 아동관 (Chardin's Genre Paintings of Child Education: The Enlightenment Views on Children of the French Bourgeois Class in the 18th Century)

  • 고유경
    • 미술이론과 현장
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    • 제8호
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    • pp.33-58
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    • 2009
  • This paper examines four genre paintings on the subject of child education by Jean-Baptiste-Sim${\'{e}}$on Chardin(1699-1779). The Governess, The Diligent Mother, Saying Grace, and The Morning Toilette garnered critical attention after they were exhibited in the Salon from 1739 to 1741. After the exhibition, the paintings were made into prints and frequently sold to members of the bourgeois class in Paris. The iconographical details of Chardin's genre paintings have, thus far, been compared to Dutch genre pictures of the seventeenth century. Further, most studies conducted on Chardin's paintings focus on formal analysis rather than the historical and social contexts. Through attempting social-contextual readings of Chardin's educational series, this paper argues that the significance of Chardin's painting series of child education lies in his representation of the ideal French bourgeois family and the standard of early childhood education in the eighteenth-century French Enlightenment period. In each of the four child education paintings, Chardin depicted a mother with children in a domestic space. Even though this theme derives from traditional Dutch genre paintings in the seventeenth century, the visual motifs, the pictorial atmosphere and the painting techniques of Chardin all project the social culture of eighteenth century France. Each painting in the child education series exemplifies respectively the attire of a French gentlemen, the social view on womanhood and the education of girls, newly established table manners, and the dressing up culture in a 'toilette' in eighteenth century France. Distinct from other educational scenes in previous genre paintings, Chardin accentuated the naive and innocent characteristics of a child and exemplified the mother's warmth toward that child in her tender facial expressions and gesturing. These kinds of expressions illustrate the newly structured standard of education in the French Enlightenment period. Whereas medieval people viewed children as immature and useless, people in the eighteenth century began to recognize children for their more positive features. They compared children to a blank piece of paper (tabula rasa), which signified children's innocence, and suggested that children possess neither good nor bad virtues. This positive perspective on children slowly transformed the pedagogical methods. Teaching manuals instructed governesses and mothers to respect each child's personality rather than be strict and harsh to them. Children were also allotted more playtimes, which explains the display of various toys in the backgrounds of Chardin's series of four paintings. Concurrently, the interior, where this exemplary education was executed, alludes to the virtue of the bourgeois's moderate and thrifty daily life in eighteenth century France. While other contemporary painters preferred to depict the extravagant living space of a French bourgeoisie, Chardin portrayed a rather modest and cozy home interior. In contrast to the highly decorated living space of aristocrats, he presented the realistic, humble domestic space of a bourgeois, filled with modern household objects. In addition, the mother is exceptionally clad in working clothes instead of fashionable dresses of the moment. Fit to take care of household affairs and children, the mother represents the ideal virtues of a bourgeois family. It can be concluded that the four genre paintings of child education by Chardin articulate the new standards of juvenile education in eighteenth century France as well as the highly recognized social virtues between French bourgeois families. Thus, Chardin's series of child education would have functioned as a demonstration of the ideal living standards of the bourgeois class and their emphasis on early childhood education in the French Enlightenment period.

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동족마을의 자연 환경과 사회.경제의 변화: 상곡마을과 수촌마을을 중심으로 (Natural Environments and the Change of Social-economic Conditions in the Clan Villages: In Case of Sanggok and Suchon Clan Village, Kyongbuk Region)

  • 박규택
    • 한국경제지리학회지
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    • 제13권2호
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    • pp.270-295
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    • 2010
  • 본 연구는 성주와 고령에 위치한 두 동족마을의 자연 환경과 사회 경제 변화를 분석하였다. 연구 결과는 네 가지로 요약될 수 있다. 첫째, 동족마을의 위치와 자연환경은 마을 내 외부와의 관계, 자연 재해, 생산 활동, 주민의 의식 등에 많은 영향을 주었다. 둘째, 1970년대 이후 인구의 감소는 상곡과 수촌의 두 동족마을에서 나타나고 있다. 이러한 현상은 두 마을의 자녀 출생과 주민의 도시이주를 통해서 잘 알 수 있다. 셋째, 1970년대 이후 산업화와 도시화는 동족마을에 큰 영향을 끼쳤다. 낙동강을 사이에 두고 대구광역시와 맞닿아 있는 상곡마을은 1990년대 이후 대구광역시의 외연적 팽창에 의해 큰 영향을 받았다. 이에 반해 가야산계에 가까이 위치한 수촌마을은 참외를 상업적 작물로 재배하게 됨에 따라 전통적 동족마을의 모습이 변하게 되었다. 넷째, 마을의 농업상태에 대해 상곡과 수촌마을 주민의 인식에는 어느 정도 차이가 있다. 두 마을의 주민은 농촌이 직면하고 있는 여러 가지 문제들을 자신들이 살고 있는 마을의 사회 경제 상황에 따라 다르게 인식하였다.

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플라스틱 온실(温室)의 일사량(日射量) 분석(分析)과 열적(熱的) 환경(環境)의 시뮬레이션에 관(關)한 연구(硏究) -플라스틱 온실(温室)의 열적환경(熱的環境)의 시뮬레이션- (Analysis of solar radiation and simulation of thermal environment in plastic greenhouse -Simulation of thermal environment in plastic greenhouse-)

  • 박재복;고학균
    • Journal of Biosystems Engineering
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    • 제12권2호
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    • pp.16-27
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    • 1987
  • Greenhouse farming was introduced to the Korean farmers in the middle of 1950's and its area has been increased annually. The plastic greenhouse, which is covered with polyethylene or polyvinyl chloride film, has been rapidly spread in greenhouse farming since 1970. The greenhouse farming greatly contributed to the increase of farm household income and the improvement of crop productivity per unit area. Since the greenhouse farming is generally practiced during winter, from November to March, the thermal environment in the plastic greenhouse should be controlled in order to maintain favorable condition for plant growing. Main factors that influence the thermal environment in the plastic greenhouse are solar radiation, convective and radiative heat transfer among the thermal component of the greenhouse, and the use of heat source. The objective of this study was to develop a simulation model for thermal environment of the plastic greenhouse in order to determine the characteristics of heat flow and effects of various ambient environmental conditions upon thermal environments within the plastic greenhouse. The results obtained are summarized as follows: 1. Simulation model for thermal environment of the plastic greenhouse was developed, resulting in a good agreement between the experimental and predicted data. 2. Solar radiation being absorbed in the plant and soil during the daytime was 75 percent of the total solar radiation and the remainder was absorbed in the plastic cover. 3. About 83 percent of the total heat loss was due to convective and radiative heat transfer through the plastic cover. Air ventilation heat loss was 5 to 6 percent of total heat loss during the daytime and 16 to 17 percent during the night. 4. The effectiveness of thermal curtain for the plastic greenhouse at night was significantly increased by the increase of the inside air temperature of the greenhouse due to the supplementary heat. 5. When the temperature difference between the inside and outside of the greenhouse was small, the variation of ambient wind velocity did not greatly affect on the inside air temperature. 6. The more solar radiation in the plastic greenhouse was, the higher the inside air temperature. Because of low heat storage capacity of the plant and soil inside the greenhouse and a relatively high convective heat loss through the plastic cover, the increase of solar radiation during the daytime could not reduce the supplymentary heat requirement for the greenhouse during the night.

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농축산바이오매스 고온 혐기성 생분해도 평가 (Thermophilic Anaerobic Biodegradability of Agro-industrial Biomass)

  • 허남효;강호;이승헌
    • 한국신재생에너지학회:학술대회논문집
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    • 한국신재생에너지학회 2010년도 추계학술대회 초록집
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    • pp.101-101
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    • 2010
  • Anaerobic digestion(AD) is the most promising method for treating and recycling of different organic wastes, such as organic fraction of municipal solid waste, household wastes, animal manure, agro-industrial wastes, industrial organic wastes and sewage sludge. During AD, i.e. organic materials are decomposed by anaerobic forming bacteria and fina1ly converted to excellent fertilizer and biogas which is a mixture of carbon dioxide and methane. AD has been one of the leading technologies that can make a large contribution to produce renewable energy and to reduce $CO_2$ and other green-house gas(GHG) emission, it is becoming a key method for both waste treatment and recovery of a renewable fuel and other valuable co-products. Currently some 80% of the world's overall energy supply of about 400 EJ per year in derived from fossil fuels. Nevertheless roughly 10~15% of this demand is covered by biomass resources, making biomass by far the most important renewable energy source used to date. The representative biofuels produced from the biomass are bioethanol, biodiesel and biogas, and currently biogas plays a smaller than other biofuels but steadily growing role. Traditionally anaerobic digestion applied for different biowaste e.g. sewage sludge, manure, other organic wastes treatment and stabilization, biogas has become a well established energy resource. However, the biowaste are fairly limited in respect to the production and utilization as renewable source, but the plant biomass, the so called "energy crops" are used for more biogas production in EU countries and the investigation on the biomethane potential of different crops and plant materials have been carried out. In Korea, with steadily increasing oil prices and improved environmental regulations, since 2005 anaerobic digestion was again stimulated, especially on the biogasification of different biowastes and agro-industrial biomass including "energy crops". This study have been carried out to investigate anaerobic biodegradability by the biochemical methane potential(BMP) test of animal manures, different forage crops i.e. "energy crops", plant and industrial organic wastes in the condition of thermophilic temperature, The biodegradability of animal manure were 63.2% and 58.2% with $315m^3CH_4/tonVS$ of cattle slurry and $370m^3CH_4/tonVS$ of pig slurry in ultimate methane yields. Those of winter forage crops were the range 75% to 87% with ultimate methane yield of $378m^3CH_4/tonVS$ to $450m^3CH_4/tonVS$ and those of summer forage crops were the range 81% to 85% with ultimate methane yield of $392m^3CH_4/tonVS$ to $415m^3CH_4/tonVS$. The forge crops as "energy crops" could be used as good renewable energy source to increase methane production and to improve biodegradability in co-digestion with animal manure or only energy crop digestion.

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이식용수산물 교역의 정보비대칭과 원산지표시제도 영향에 관한 연구 (A Study on Information Asymmetry and the Country of Origin Labeling in Live Small Fish Trade for Aquaculture and Naturalization)

  • 박성쾌;한경숙
    • 수산경영론집
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    • 제37권1호
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    • pp.45-71
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    • 2006
  • The main objective of this study is to analyze problems of the Country of Origin Labeling(COOL) in small live fish(SLF) trade by applying the asymmetric information theory which is called ${\ulcorner}$Lemon Market Theory${\lrcorner}$. The purpose of importing SLF is to enhance fishing household income and import substitution effect as well. SLF importation is quite different in its nature from importing general fish and fish products for final/direct consumption. SLF are imported for the purpose of domestic aquaculture and naturalization where domestic production/supply of SLF is less than domestic demand for or such species are not native to Korean waters. Information asymmetric problems arise even in SLF trade as the same way in general goods and services. However, the information asymmetry issues in SLF trade are much more complex than non-living goods because SLF are traded in the live state. To alleviate such problems the Korean government initiated the general COOL scheme to imported SLF. However, many experts argues that such policy on SLF would not be appropriate because of SLF's very nature. Applying the lemon market theory, we can analyze how information discovery schemes are able to signal correct information to SLF trading parties and to result in more symmetric information in SLF trade markets. This research carried out a case study about small live eel(SLF) trade and its farming. The results showed that applying the COOL to small live eels just right upon coming into fish farms tends to increase substantially fish farmer's income and at the same time to lower unnecessary transaction costs. In particular, such transaction costs by imposing simply the general COOL on SLF may easily outweigh its benefits. For instance, to resolve the problems, the Korean ministry of agriculture and forestry(KMAF) has developed a quite different COOL rules from the general ones and has applied them to imported live cattle and medium/small livestocks. The KMAF's differentiated COOL policy on some imported livestocks may be a good case which can be applied to imported SLF. In addition to the differentiated COOL on SLF, Sanitary and Phytosanitary (SPS) and traceability system would play crucial complementary roles in alleviating information asymmetry problems in SLF trade. Advanced fisheries tend to strengthen their SPS system rather than to adopt the general comprehensive COOL schemes into imported SLF trades and domestic market exchanges.

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