• 벤처혁신연구
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• 제2권2호
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• pp.117-126
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• 2019

본 연구는 최근 5년간(2012년 ~ 2016년) 국내 시중은행, 지방은행 및 특수은행의 재무제표와 대출구조, ROA, ROA 변동성을 사용하여 상관관계분석 및 다중회귀분석을 실시하였으며, 주요 실증분석 결과는 다음과 같다. 첫째, 상관관계분석 결과 은행의 ROA는 가계대출, 중소기업 대출과는 정(+)의 상관관계가 있으나, 대기업대출, 업종편중율, 대손충당금 비율과는 부(-)의 상관관계가 있는 것으로 나타났다. 둘째, ROA 변동성은 가계대출, 중소기업 대출과는 부(-)의 상관관계가 있으나, 대기업 대출, 업종편중율, 대손충당금 비율과는 정(+)의 상관관계가 있는 것으로 나타났다. 셋째, 회귀분석 결과 은행의 ROA 변동성에 통계적으로 유의한 영향을 미치는 변수는 가계대출, 중소기업대출, 대기업대출로 나타났다. 이러한 실증분석결과로부터 이익 변동성이 큰 특수은행들은 정책금융 외의 영역에서는 경영성과 달성을 위해 대출 형태와 업종을 분산 할 필요가 있으며, 특히 상업적인 역할이 큰 수협은행, 농협은행은 단기적인 수익에 집중하여 단위당 규모가 크고, 재무적 정보를 획득하기 쉬운 대기업이나 대규모 대출에 집중하는 것보다는 심사 기법 등의 역량 개발을 통해 가계대출, 중소기업 대출에도 경영역량을 집중해야 할 것으로 보인다.

• 가정과삶의질연구
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• 제23권2호
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• pp.137-148
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• 2005

This study compared one-child households' economic structures between those who determined not to have more children and those who have a birth plan. This study examined the demographic characteristics and economic variables such as income, consumption expenditures, assets. debt, and a subjective evaluation of future economic status. Especially, it compared the effects of socioeconomic variables on expenditures on a child between low-fertility and birth-planned households. From a questionnaire completed by a husband or wife of one-child households, 154 low-fertility households and 201 birth-planned households were obtained. A t-test, chi-square test, multiple regression analysis and a dummy variable interaction technique were used. The findings of this study are as follows: First, low-fertility households were older, had higher income, and had more educated, employed wives. Their marital duration was longer, and their child was older than those of birth-planned households. Second, low-fertility households had higher consumption expenditures than did birth-planned households. Especially, expenditures of apparel and shoes, health care, education, and entertainment were significantly higher for low-fertility households. Also, low-fertility households spent more than did birth-planned households on a child. However, low-fertility households had significantly more debt than did their counterparts, and their expectation level of future economic status were lower than that of birth-planned households. Third, the effects of socioeconomic variables on expenditures on a child were different between low-fertility and birth-planned households. Age, education level, husband's occupation, wife's employment status, income, net asset, and subjective evaluation of future economic status showed significant differences. Income elasticity of expenditure on a child was significantly higher for low-fertility households than their counterparts.

• 한국가구학회지
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• 제24권1호
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• pp.60-69
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• 2013

Timber is an eco-friendly material that is suitable for low carbon and green growth, and recently, studies on utilization and manufacture of timber are increasing. Thus, we need a stable supply of wood working materials for the formative element and widespread function of timber. It is necessary to develop the use of timber because it enhances the added value of this material by making the most of it. In this way, skin-timber is an appropriate material for life articles because skin-timber has a variety of functions including the ability for storage use, the beauty of structure, the ability to maintain heat and insulation, and the capability to control humidity. In this study, I developed household items using skin-timbers that are made up of circular columns and square columns of pine, larch, and yellow popular. The circular and square columns have an inner hole that is approximately 90% of the external structure's width. I intended for the concept of these designs to display creativity considering functionality and productivity. These items are life articles and furniture for modern people. They are eco-friendly products that are varnished with traditional lacquer and natural oil. According to the result of this study, skin-timbers are made of domestic pine, larch, and yellow popular and are resource of furniture, household items, and woodcraft. I believe skin-timber is not only a useful material for processability and design applicability, but it also has the capability to be a multifunctional and high value-added material. Also, if the standards, such as cortex thickness, outside diameter, and length, of skin-timber are producted diversely, I believe skin-timber can be have more the possibility of industrial products' development.

• 농촌지도와개발
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• 제14권1호
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• pp.231-247
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• 2007

The purposes of this study were to analyze the structure of time use in farm households, and to compare the time use structure of women farmer with that of their husbands. The data for this study were collected from 276 farm households, selected from 8 provinces in the country. The data were collected at two times of farming season and off－farming season and classified as farm labor and household labor by labor types. SPSS(ver 12.0) statistical package was utilized to analyze the data, and t－test was performed for this study. The major findings are as follows; 1) In the case of work directly related to farming, husband's working hour was significantly longer than that of wife during the farming and off－farming season. In contrast with wife's household working hour was significantly longer than that of husband during both seasons. 2) There existed a severe work time imbalance between wife and husband during the-farming season. Based on the findings of this study, the following implications could be drawn to promote efficient labor and equal labor sharing. First, the consciousness has to be changed because the impartial labor sharing roles. We have to develope many programs to break these fixed ideas. And these programs have to be included to educational course and be instructed continuously. Second, the role of wife that household and farming work is important and will be magnified in the future.

• 한국주거학회논문집
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• 제23권2호
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• pp.125-133
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• 2012

The purpose of this study was to explore characteristics and housing satisfaction of multifamily renter households in metropolitan areas using 2009 American Housing Survey public-use microdata. A total of 8,139 multifamily renter household residing in metropolitan statistical areas were selected for data analysis. The findings are as follows: (1) In comparison with other types of households in the metropolitan areas, multifamily renter households tended to show a smaller household size, younger householders, a greater proportion of households with householders who have never married, or have been widowed, divorced or separated; (2) housing cost related variables such as monthly rent or rent per square footage were found not to have significant influence on housing satisfaction of multifamily renter households in metropolitan areas; (3) factors influencing housing satisfaction of multifamily renter households with householder's age 34 years or younger were neighborhood satisfaction, householder's race, structure age and per-person unit size; and (4) neighborhood satisfaction was found to have the strongest influence on housing satisfaction of multifamily renter households in metropolitan areas.

• 분석과학
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• 제6권3호
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• pp.335-343
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• 1993

Fast atom bombardment mass spectrometer(FAB-MS), gas chromatography mass spectrometer(GC-MS), TLC 등을 이용하여 대두 배아 추출 cerebroside의 구조를 분석하였다. Cerebroside를 이루고 있는 각각의 구성 성분은 화학적인 산분해 후 GC-MS로 분석하였다. Cerebroside의 분자량 분포는 LiOH로 포화된 3-nitrobenzyl alcohol(3-NBA)를 matrix로 한 양이온 검출 FAB-MS법으로 측정하였다. FAB-MS와 GC-MS 결과를 종합하여 cerebroside의 구조를 해석함으로써 기존의 분석법이 가지고 있던 문제점을 개선하였다. 대두 배아로부터 추출한 cerebroside의 대부분은 N-2'-hydroxy palmitoyl-sphingadienine에 당이 한 분자 결합된 형태로 존재하였으며 그 조성이 매우 단순하였다.

• 한국보건간호학회지
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• 제34권1호
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• pp.74-86
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• 2020

Purpose: This study identified the factors that influenced the food-intake practices affecting iron deficiency anemia among Senegal mothers. Methods: The subjects were 155 mothers in Dakar, Senegal. We surveyed 21 questions concerning their knowledge of iron deficiency anemia, the perceived severity and perceived benefits, self-confidence, food preferences and food-intake practices during the period from December 4, 2017 to December 29, 2017. Results: The factors significantly related to food-intake practices affecting iron deficiency anemia included having a female head of household with male support (β=0.249, p=.003) and being in the 5th quintile of income level (β=0.386, p=.003). Conclusion: The results of regression analysis showed that the head of household and income level are factors that influenced the food-intake practices affecting iron deficiency anemia. Therefore, economic factors and the structure of the household must be considered to achieve success for Senegalese iron deficiency anemia projects.

• 한국지역사회생활과학회지
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• 제21권1호
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• pp.53-69
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• 2010

The purpose of this study was to find how financial structures differ from the family life cycle. The data was drawn from the 2002 Korean Labor and Income Panel Study conducted by the Korea Labor Institute, and 1,957 households. The level of total income and subcategories of income were found to be significantly different from the family life cycle and showed tendencies to increase up to the period of child birth and then sharply dropped down during the retirement period. Household consumption expenditures in total and subcategories showed a U shape by family life cycle and were also found to be significantly different from the family life cycle. The consumption expenditure of dining out showed the highest level at the beginning of family establishment, whereas medical cost showed the highest level for later years. The level of total assets increased gradually from the family life cycle and a little decreased for the later years, and the level of real estate assets showed the highest ratio(90% over) out of total asset components of family life cycle.

• KIEAE Journal
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• 제11권6호
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• pp.29-35
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• 2011

This study aims to suggest improvement plans and explain about the current situation for facilitating Long-life housing, based on the results on flexibility items among 27 items consisting the "Housing Performance Grading System". From the 9th of January, 2006 to the month of July in 2011, study has analyzed evaluation results on 216 different types for each grade and reviewed evaluation criteria and methods. Current evaluation criteria applies quantitative analysis, by calculating in percentage how much bearing walls and columns, which hinder flexibility, take up space in the household. The evaluation rate for each household was assessed in relation to its structural system, and a higher grade was given to column-typed structures. In addition, to facilitate long-life housing, this study extracted harmful factors, expanding the range of evaluation. The first step was to evaluate structure, which is the basic element. The second step can to evaluate the probability of applying resources in response to the changes of structural systems. As The third step, Flexibility item will evaluate the probability of moving the water-using area, suggesting gradual approach. Thus, through evaluations of flexibility items, the study aims to improve the quality of life in household, by avoiding uniform structures and acquiring more freedom for space designs.

• 자원ㆍ환경경제연구
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• 제22권3호
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• pp.547-580
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• 2013

상품 및 서비스 소비구조의 변경을 통해 에너지절약이 실현될 수 있기 때문에 가정부문의 간접 및 총 에너지소비를 추정할 필요가 있다. 가정부문의 직간접 에너지소비를 보다 정확히 추정하기 위해 본 연구는 기업과 소비자(가정부문) 간 석유제품 및 전력의 가격을 차별화하였다. 한국의 가정부문은 1995-2010년 기간 중 한국 1차 에너지소비 중 55% 이상을 소비하였다. 가정부문의 에너지소비 중 69% 이상이 간접 에너지소비였다. 따라서 가정부문의 직접뿐만 아니라 간접 에너지소비도 에너지절약의 대상이 되어야 한다. 전력 소비는 2009년 한국의 가정부문의 주 에너지소비가 되었다. 생활수준이 향상됨으로써 가정부문은 전력 원단위가 높은 상품과 서비스를 소비하게 되었다. 한국 가정부문이 소비하는 제품의 에너지 원단위가 낮아짐으로써, 에너지소비의 증가율이 감소하게 되었다. 반면에 한국 가정부문의 상품 및 서비스 소비구조는 에너지 다소비형으로 변경되어 오히려 에너지소비 증가를 가속시키는 결과를 초래함으로써, 구조효과는 악화되었다. 이에 따라 에너지정책은 에너지소비를 감소시키기 위해 소비자로 하여금 에너지 저소비형 재화와 용역을 소비하도록 유도하여야 한다. 에너지 저소비형 소비를 촉진시킬 수 있는 주요 수단인 에너지가격 현실화가 요구된다.