• The Journal of the Convergence on Culture Technology
• /
• v.8 no.2
• /
• pp.47-52
• /
• 2022

The purpose of this study is to identify the risk level of Chinese commercial banks' loan assets and to analyze what factors affect the stability of Chinese commercial banks. In addition, Chinese commercial banks are classified based on the asset size of 200 billion yuan, and the difference in stability according to size is investigated. The analysis results are as follows. First, it was estimated that as the proportion of household and corporate loans of commercial banks in China increased, the stability of banks decreased. Although the Chinese financial authorities are currently restricting the conservative management of loan assets, it will be necessary to preemptively manage risk on loan assets by setting an appropriate standard for loan-to-deposit ratio in the future. Second, as a result of analyzing the stability of large banks based on 200 billion yuan of bank assets, it was estimated that the stability of large banks was lower. As large banks are likely to conduct aggressive loan asset management, continuous management of non-performing assets is required in the future. This study will serve as a measure for improving the stability of commercial banks in China by estimating the effect of loan asset management of Chinese commercial banks on financial stability. In particular, by examining the stability of large banks, a strategy for sustainable development of the financial industry is required by diagnosing the weaknesses of large banks.

• Magazine of the Korean Society of Agricultural Engineers
• /
• v.17 no.4
• /
• pp.3943-3955
• /
• 1975

The purposes of this study are to evaluate the utilization characteristics of electrical power consumption, to grasp the present trends in the use of electrical equipments, to estimate the demand factor and load factor being held, and to evaluate the efficiency of electical uses for the recently electrified farms cultivating paddy rice. For the purposes, 109 sample farms located in eleven villiages electrified in six different years from 1968 to 1973, were chosen at random and investigated on 35 items concerning to electrical uses and wiring systems. The survey was carried out in 1975, in the vinicity of Suweon city. The results are summarized as follows: i) The average annual power consumption on sample farms is considered to be low, being 242.9 Kwh. in 1974, and varied according to the different electrified year and size of cultivated land, respectively. It has significant positive correlation to the area of farm, too. ii) Between the number of year of electrical uses and the power consumption, there is very significant positive correlation, which could be expressed as Y=43.041+16.108 X, where X represents the number of years of electrical uses. The annual increment of power consumption is much greater at the beginning of the electrification than that at the later years, its average being approximately 20 percent. However, it is recommended that any estimation of long-term increments should be carefully investigated. iii) The monthly power consumption varies considerably throughout a year, in which the heaviest farm load occurs in November. Observing the seasonal variation of consumption, the winter-time is the heaviest season while the summer is the lowest. The result implies house lighting is chief contribution to the present electrical consumption on the farms. Comparing the variation of monthly consumption ratios between the sample farms and industries, the electrical uses on the farms are independant of the industrial uses, and further, the agricultural uses are of inverse pattern to the farms from the results that there is negative correlationship between them, iv) The number of electrical equipments used on the farms are occupied chiefly by lighting sources. Next to the lighting sources, household appliances of small quantity and some motors are used. The mean electrical quantity is about 1, 127.4 watt, which corresponds to about 37.6 per cent to the contracted quantity. The composition of quantity is chiefly occupied by the electrical motor of about 1.5 hp., single-phased. The number of the annual utilization hours of each equipment is tabulated in Table IV-5. In contradiction to the high utilization of lighting sources and small household appliances, the motor is poorly used for approximately 22 hours in a year. v) More than 55 per cent of farms want to purchase new electrical equipments such as small household appliances and electrical motors in their number. The impulse of purchasing such items is stimulated by the contacts to the mass media and their knowledge on such equipments. Consequently, the increase of electrical uses could be prompted by such trials as education and demonstration. vi) The demand and load factors on the farms vary considerably according to the greater variation of the power consumption, daily or monthly. The daily demand factor is 22.4 per cent and load factor 18.6 per cent, while the annual demand factor is 1.3 per cent and load factor 70 per cent approximately. Therefore, the low efficiency of construction cost requires re-evaluation of the present contracted quantity of 3 Kw. or increase of electrical uses. vii) The electrical energy on the farms devoted chiefly to lighten the farm residences does not contribute to the farm incomes. Consequently, the cost of electrical consumption presses considerably upon the farm economy. Therefore, there is great need to build up the electrical uses on the farms through the development of new works and techinques to utilize any electrical equipments on the production of farm products. Further more, such the development should be related to increase the actual income of the farm consumers.

• Journal of the Korean Society of Child Welfare
• /
• no.56
• /
• pp.133-164
• /
• 2016

This study investigated the effect of housing poverty in childhood on adolescents' subjective well-being. Specifically, this study examined whether the major factors that have been known to affect adolescents' well-being (i.e., family relationships, peer relationships, school adjustment etc.) mediated the relationship between housing poverty and adolescents' well-being. And then this study aimed to present an empirical evidence for establishing policies against housing poverty in order to enhance adolescent's subjective happiness. Data were derived from the $1^{st}$, $4^{th}$, and $7^{th}$ surveys of the Korea Welfare Panel Study(KOWEPS), and the sample included. 512 high school children in the $7^{th}$ survey. This study utilized structural equation modeling. Housing poverty was measured by the sub-minimum standard housing condition and the household's burden of housing expenditure. Family relationship, as a mediator, was measured by parental involvement in education, parental monitoring, and family conflicts. Another mediator, school adjustment was measured by school environment and school bonding, and the last mediator, peer relationship was measured by friend attachment and peer attachment. The results showed that housing poverty had significant negative effects on the adolescents' subjective well-being. The sub-minimum standard housing condition with inadequate size and facilities negatively affected adolescents' relationships with family directly and subjective well-being indirectly. In addition, the negative family relationships due to the sub-minimum standard housing condition negatively affected adolescents' subjective well-being through school adjustment and peer relationships. The greater the proportion of income a household spends on housing expenditure, the less likely for adolescents to report positive well-being. The sub-minimum standard housing condition had indirect effects through family relationships, whereas the household's housing expenditure directly affected adolescents' subjective well-being. This study suggested the necessity of interventions to alleviate housing poverty for adolescents' families and lays the groundwork for housing poverty policies in Korea.

• The Journal of Fisheries Business Administration
• /
• v.40 no.1
• /
• pp.1-26
• /
• 2009

The aquaculture management considers the maintenance of households lifehood more than profit maximization. As aquaculture industry has developed enterprise farms appeared, and the small and the large scale farms coexist. The features of coexistence could be summarized as followings. First of all, the large scale farms show the higher net profit while the small scale farms show the higher profit per 1ha and the earning rate. Secondly, in the case of over 2ha, the earning rate is stable in spite of the scale expansion. Moreover, in processing method, dried seaweed occupy the biggest proportion in the small scale farms while the raw seaweed occupy the biggest proportion in the large scale farms. Lastly, the scale of farms becomes larger, the participation rate of household labor rises. This thesis analyses the efficiency of Korean seaweed farms in the way of DEA model and suggests the improvements for the efficiency management. The mean technical, pure technical and scale efficiencies were measured to be 0.88, 0.96 and 0.91, respectively. Among the 20 farms included in the analysis, 10 were technically efficient and 12 were scale efficient. In conclusion, it is shown that the aquaculture farms has been becoming the form of coexistence. This appearance results in the effort for reducing the cost in the small scale farms and in profit maximization in the large scale farms. On the other hand, middle scale farms is inefficient compared with the small or large scale farms. Therefore, in order to achieve the efficiency, it is necessary to accomplish economy of scale by extending farm size or to cut expenses by reducing farm area. In other word, the efforts for achieving the efficiency is required in a different direction in spite of the same scale.

• Asian-Australasian Journal of Animal Sciences
• /
• v.13 no.1
• /
• pp.53-59
• /
• 2000

Data from a village household dairy survey was compared with technical parameters of three model farms (0.2, 0.4 and 0.8 ha in extent) established by the Mid-country Livestock Development Centre (MLDC). In terms of land size, about 67% of the 250 dairy farmers interviewed corresponded with the MLDC models, but only 33% of the farmers were keeping dairy cattle under conditions comparable to the MLDC models (no regular off-farm income). In the 0.2 ha category, village farmers kept more cows, and in the other two categories the village farmers kept less cows than their MLDC model counterparts. In all three categories, the milk production per cow was higher in the model farms (1540 to 2137 vs. 1464 to 1508 litres/cow/year), and this could be attributed to higher feeding levels of concentrates in the model farms as compared to the village farmers (430 to 761 vs. 233 to 383 kg/cow/year). The amount of milk produced from fodder was higher in the village situation in comparison to the models. In the mid country, dairy production seems to depend on access to fodder resources rather than on the extent of land owned. Except in the 0.8 ha village category, the highest contribution to the total income was made by the dairy component (44 to 60%). With 0.8 ha village farmers, the income contribution from dairy and crops was similar (41%). Income from other livestock was important for the 0.2 ha MLDC model, but for all other categories their contribution to total income ranged from 0 to 10%. Access to fodder resources outside own-farm land is vital for economic dairy production. As such, an in-depth analysis of feed resources available and their accessibility needs to be further investigated.

• KSCE Journal of Civil and Environmental Engineering Research
• /
• v.31 no.4D
• /
• pp.489-496
• /
• 2011

Bike system is one of the green transportation systems and spotlighted recently. In the TOD (Transit-Oriented Development) based transportation and urban planning, bike system will be the major part as linkage modes. In this paper, bike demand estimation model was firstly established in Korea, with considering of personal and household characteristics of traveller, social and economic characteristics of city, weather conditions, and so on. The model reflects population density, the number of students except elementary school students, the number of vehicles, the length of bike roads, and monthly income. The adjusted $R^2$ was 0.738: the model is highly fitted. The results of this paper yield bike demand estimation in the urban planning area: further estimated results will be using to determine economic feasibility and size of bike facility. In other words, this paper is expected to provide the theoretical basis that supporting justification and investment efficiency of bike plans, which are actively progressed recently.

• Journal of the Korean housing association
• /
• v.27 no.6
• /
• pp.65-75
• /
• 2016

Activities in the dwelling are inseparable from housing design. Spatial features often result from patterns of activities that take place within the dwelling. Activities are further elaborated to affect house plans, furniture, arrangement, and equipment. However, discrepancies still exist between housing design and behavior, where housing design often fails to accommodate activities and behavioral dimensions within the family and the dwelling. This paper addresses the relationship between dwelling activities and housing design by means of a qualitative study that aims to understand the needs of the Indonesian dwelling through activity analysis. To do so, the research adopts a methodology that involves collecting data from measurements of the house, house plan analysis, and photographs, in addition to in-depth semi-structured interviews with families. Taking Bandung as a case study, 9 houses and families were selected as respondents that share similar family life-cycles, number of family members, and building size. The findings from the study suggest that spacious and open plans are preferred by the family, while maintaining family privacy. Guest areas are used to host formal guests and to restrict visitor access in the house. Service areas such as kitchens and laundry areas are the core areas for household activities for cooking, laundry, and drying. To meet social activities such as community gathering, open plan design is necessary to allow flexibility of furniture reconfiguration to accommodate extra guests.

• Journal of Korean Society of Transportation
• /
• v.18 no.2
• /
• pp.41-52
• /
• 2000

In the developing country, the transportation situation is changed very quickly and the transportation environment is not stable. So the transportation planning should be frequently made in considering the limited cost and time. And the traditional large-scale survey(household survey, roadside interview, etc.) has many Problem like the difficulty for doing it and getting mood results. Therefore the study about the method of evaluation on the traffic count based O/D matrix is Processing actively recently. Though the many study for the network in the realistic size are enacted, the study for comparing with the advantage and disadvantage of each method are few. Therefore this study mainly deals with the static method among the existing models of evaluation on the traffic count based O/D matrix(in terms of the transportation plan). Bi-level(GU) and gradient method are selected as main alternative model and analyzed their capability and validity. For testing the reliability of the models, Bi-level(GLS) and gradient method are adapted to toy network. Then we analyze the result of testing, and study the way for large network.

• Journal of the Korea Organic Resources Recycling Association
• /
• v.6 no.2
• /
• pp.113-129
• /
• 1998

To suggest the separate collection system of garbage in household, people's disposition was evaluated. It was indicated that garbage be collected daily to minimize the odor which was major nuisance from garbage. However, most people wanted to discharge garbage in two or three days interval, as they did not prefer frequent handling. So, proper size of garbage container was determined as two to three days capacity. In contrast with it, it was major opinion that dicharged garbage should be collected everyday by local government to eliminate the outdoor pollution. Plastic bag was the most popular container, as it could be used instantly. Price of the bag affected on the efficiency of reduction and separate collection of garbage. Low price increased the separate collection and decreased the reduction, while high price introduced the opposite result. So, the dual price system was suggested to enhance both objectives.

• Korean Institute of Interior Design Journal
• /
• v.27 no.1
• /
• pp.58-67
• /
• 2018

This study aims to analyze the cases of storage space outside housing unit and propose the activation plan. The issue of storage in residential complex has continued to be reported. This is more salient due to the recent preference trend for small houses, the constant increase of living goods and the limitation of the available space inside housing unit. Although more apartment houses are trying to have individual storage in the exterior space to address these issues, there is still a paucity of the related studies and more studies are required. In this study, we conducted on-site investigation and user interview of each case to propose active usage of the storage space outside housing unit. Result of this study shows that the most crucial factor to improve is 'accessibility' in order to activate the storage space. Storage room should be located close to each household or the individual parking space. The second factor is the size and the structure of the storage room. The sufficient space for keeping and taking large objects out are required. The front of the storage room should have a clogged structure to insure privacy. The third is the provision of suitable support programs such as the system that occupants can check remotely what items are in their storage rooms, garage sale, laundry service, auto cleaning system and rental program. Those programs are required for efficient management and activation of space. Another requirement is to improve environmental factors which include maintenance of optimal temperature and humidity, automatic ventilation system, control of individual lights, and security enhancement. Based on the results of the survey, we provide basic data which can be used for practical space planning to activate exterior storage space of the housing unit. Further surveys are required to develop this study by obtaining more data for generalization.