• 한국경영과학회지
• /
• 제34권2호
• /
• pp.1-13
• /
• 2009

In this paper, we develop theoretical game models to determine the level of government subsidies for banks to provide policy loans to Innovative SMEs(small and medium sized enterprises) through banks, which otherwise would not finance them for the sake of their own profitability. For this, we compare net cash flows of each bank using different strategies against high risk innovative SMEs. A bank can decide whether to provide them loans or not In each period. Following Kim(2003)'s Infinite horizon model on the soft budget constraint, we introduce a situation in which banks compete against each other for higher net long-term payoffs from their loans to innovative SMEs and non-innovative SMEs. From the models, we show that competition among banks in general leads to a tighter decision against innovative SMEs, as a Nash equilibrium. It is not because the government bank is simply loose in providing loans, but because competition among commercial banks for fewer riskier borrowers results in tighter loan decisions against innovative SMEs. Thus, the competitive market for policy loans to innovative SMEs fails to reach the socially optimal level of loans for innovative SMMs. Commercial banks in the competitive market may require additional supports from the government to make up for the differences in their payoffs to support innovative SMEs, possibly much riskier due to moral hazards and poor discounted cash flows. The monopolistic government bank might also request such supports from the government to fund otherwise unqualified SMEs. We calculate an optimal level of governmental support for banks to guarantee funding such high-risk innovative SMEs over periods without deviating from their optimal Nash equilibrium policies.

• 한국건설관리학회논문집
• /
• 제15권5호
• /
• pp.147-159
• /
• 2014

2008년 글로벌 금융위기 이후 국내의 주택시장은 침체기를 겪고 있으며 이에 따라 주택가격의 하락, 임대주택가격의 상승등과 같은 주택시장의 문제점이 발생하였다. 주택시장의 정상화를 위해 정부에서는 다양한 주택정책을 발표하였으나 주택시장은 아직 회복세를 보이지 않고 있다. 따라서 본 연구는 주택시장의 침체 원인 분석하기 위해 주택 시장의 주요 참여자인 주택공급자와 주택 수요자를 기존의 수요 공급 원리에 의해서 분석하며 이들의 거래의사에 영향을 미치는 심리적 요인을 행동경제학 이론을 바탕으로 분석한다. 이의 분석 결과를 바탕으로 시스템다이내믹스 시뮬레이션 방법론을 사용하여 발표된 정책의 실효성을 검증한 결과 정책의 입안 기간에 따라 주택 거래량과 주택담보대출 총액이 영향을 받는 것으로 나타났다.

• 한국문헌정보학회지
• /
• 제46권1호
• /
• pp.289-309
• /
• 2012

본 연구는 작은도서관 문화프로그램 현황 및 활성화 방안에 관한 연구를 하고자 서울시 소재 142기관을 대상으로 도서관 일반현황과 문화프로그램 현황을 설문조사하였다. 도서관에서 현재 수행하고 있는 기능은 공 사립 모두 자료대출반납, 문화프로그램 운영 순으로 조사되었으며, 문화프로그램 또한 공 사립 모두 과반수 이상 운영하고 있으며, 운영하지 않는 기관들은 운영의 필요성을 인식하고 있는 것으로 조사되었다. 정기적으로 운영하는 문화프로그램 수는 공 사립 모두 1~3개이고, 그 유형은 문화교양과 독서관련 프로그램으로 나타났다. 문화프로그램 운영 담당자는 공립은 행정직원, 사립은 도서관장이라고 응답한 비율이 높았으며, 문화프로그램 운영 시 어려운점은 공 사립 모두 예산과 인력확보로 조사되었다.

• 한국콘텐츠학회논문지
• /
• 제20권11호
• /
• pp.378-390
• /
• 2020

영어 강세는 발화된 영어 단어를 이해하는 데 상당히 중요한 역할을 하며 잘못된 강세의 위치는 의사소통의 실패로 이어질 수 있다. 강세가 없는 것으로 알려진 한국어를 모국어로 둔 영어 학습자는 영어 운율체계를 습득하는 데 어려움을 겪을 것으로 예상된다. 본 연구는 한국어가 단어 수준에서 이러한 강세를 실현하는 것이 영어와 어떻게 다른지 그리고 한국인 영어 학습자의 중간언어가 이 두 언어와 어떻게 다른지 연구하였다. 다음 절로 이루어진 4개의 영어 외래어와 그들의 영어 원어 4개가 실험단어로 사용되었다. 10명의 영어 원어민이 영어 원어를 읽었으며 10명의 한국인 영어 학습자가 먼저 영어 외래어를 한국어로 그리고 나중에는 영어 원어를 영어로 읽었다. 120개의 발화 샘플을 분석한 결과 한국어에는 모든 강세 자질로 (즉, 조음 길이, 조음 크기, 조음의 높이) 실현되는 두드러진 음절이 없었다. 반면에 영어는 모든 강세 자질에 의해 일관되게 실현되는 상대적으로 두드러진 음절을 가지고 있었다. 흥미롭게도 영어 강세 실현에 있어 한국인 영어 학습자의 중간언어는 모국어보다도 영어와 비슷한 특징을 보여 주었다.

• 수산경영론집
• /
• 제27권1호
• /
• pp.47-56
• /
• 1996

The pollution in the coastal sea is being aggravated because of frequent happening of red tide and oil leakage from tankers. The Exclusive Economic Zone is being drawn in the seas surrounding Korean Peninsula. Therefore, the fisheries in Korea is under a great change in their production base. On the other hand, the fisheries have been considered as a part of agriculture in policy making and financial support. The thesis compares agriculture with fisheries in the fund demands and financial supports. It tries to find a way in the efficient allocation of fund for the two industries. The fund demand of a typical fishing household is greater than that of a typical farm household. The fund used by a fishery household is more dependent on debt than that of a farm household. Therefore, the internal financing ability of a fishery household is weaker than that of a farm household. The repaying ability of a fishery household is weaker than that of a farm household because a fishery household's income is less than a farm household's. When we analyze the uses of fund, the fishing industry has some disadvantage in fund uses. The financial support for the fisheries' structural change is weaker than that for agriculture. The fishing industry has some disadvantage in the investment and subsidy rates. Also, the loan period for fisheries is shorter on average than that for agriculture. When we analyze the sources of the fund, the fisheries' banking sources are greater than the government's sources, which is relatively stable. Therefore, the fisheries will be more heavily affected by the liberalization of banking industry and system than the agriculture will. The government needs to change the shortcomings in the sources and uses of fund. First, it needs to use the fund, considering the characteristics of the industry and producers' financing ability. Second, it needs to adjust the sources of fund to the liberalization of financial system.

• 한국주거학회논문집
• /
• 제13권5호
• /
• pp.77-88
• /
• 2002

This article deals the investigations how to solve the social deficiencies of deteriorate apartments, which is a half cycle of a building and it goes slum clearance and redevelopment. And this proposes an active remodeling and design strategy, management, and housing policies for extending the usage of the resource. Most of apartment housing in Korea is built by the panel wall and slab structure system fur economic price. To remake is possible, even though not designed in flexibility and variation. The remodeling strategies are dwelling unification, transformation of two units to one or three units, addition of a room, changing into commercial and community required spaces, and reshaping of a envelop and facade by addition of a dwelling or dwellings, roof floors, change of materials and colors, and so on. And, all activities in structural aspect are proposed removal in upper part and addition in lower part of an apartment housing. Active remodeling cost a great deal compare to new construction, so any remodeling activities should be based on a minimal interfere and budgets to enhancing the quality in existing building. The final aim of an active remodeling is to enhance the quality in economic values, and to keep original state and to put on the new one in a small part. To promote the active and careful management and rehabilitation, it is necessary to give the positive incentive in terms of architectural law, bank loan, and any redevelopment project should get the remodeling record in national resources.

• Parasites, Hosts and Diseases
• /
• 제51권6호
• /
• pp.657-662
• /
• 2013

Freshwater snails of the family Lymnaeidae play an important role in the transmission of fascioliasis worldwide. In Vietnam, 2 common lymnaeid species, Lymnaea swinhoei and Lymnaea viridis, can be recognized on the basis of morphology, and a third species, Lymnaea sp., is known to exist. Recent studies have raised controversy about their role in transmission of Fasciola spp. because of confusion in identification of the snail hosts. The aim of this study is, therefore, to clarify the identities of lymnaeid snails in Vietnam by a combination of morphological and molecular approaches. The molecular analyses using the second internal transcribed spacer (ITS2) of the nuclear ribosomal DNA clearly showed that lymnaeids in Vietnam include 3 species, Austropeplea viridis (morphologically identified as L. viridis), Radix auricularia (morphologically identified as L. swinhoei) and Radix rubiginosa (morphologically identified as Lymnaea sp.). R. rubiginosa is a new record for Vietnam. Among them, only A. viridis was found to be infected with Fasciola spp. These results provide a new insight into lymnaeid snails in Vietnam. Identification of lymnaeid snails in Vietnam and their role in the liver fluke transmission should be further investigated.

• Parasites, Hosts and Diseases
• /
• 제55권1호
• /
• pp.39-45
• /
• 2017

The present study was performed to reveal the morphological characteristics and molecular phylogenetic position of Platynosomum fastosum Kossack, 1910. A total 167 specimens of P. fastosum were collected in 8 (4.9%) out of 163 sets of gall-bladders and bile ducts of cats. The number of worms was 1-105 per infected cat. This species was characterized by having a long and slender body, slightly larger ventral sucker than the oral sucker, indistinct prepharynx, small pharynx, short esophagus, bifurcation midway between 2 suckers, and ceca extending to the posterior end of the body. The length of the partial sequences of ITS1 and 5.8S rDNA of P. fastosum were 990 bp, GC-rich. AT/GC ratio was 0.9, there were 9 polymorphic sites, and intraspecific variations ranged from 0.1% to 0.9%. Phylogenetic analyses by neighbor-joining phylogram inferred from ITS1 rDNA sequences revealed that the genetic distance between P. fastosum specimens ranged from 0.3 to 1.5% while the smallest interspecific distance among dicrocoeliid species was 20.9 %. The redescription and genetic characters of P. fastosum are taxonomically important to recognize future different species of the genus Platynosomum showing high intraspecific and morphological variability.

• Communications for Statistical Applications and Methods
• /
• 제17권5호
• /
• pp.697-712
• /
• 2010

이 연구의 목적은 우리나라 생명보험사들의 보험계약대출(약관대출) 수요에 대한 통계적 분석과 그 예측을 위한 확률모형을 개발하는 데 있다. 이를 위해, 먼저 대출 금리가 정책적 변화를 거친 1999~2008 기간 동안 우리나라 보험계약대출의 수요계열에 대한 추세, 주기성, 종속성 등 확률 및 통계적 특성을 파악하였다. 다음에, 교차상관분석을 통해 대출수요와 인과관계를 가질 수 있는 경제변수들과의 상호관련성을 밝히고, 특히 소비자 물가지수가 보험계약대출 수요를 선도하고 있음을 밝혔다. 마지막으로, 이러한 결과를 기초로 보험계약대출 수요의 예측을 위한 단변수모형 그리고 선도변수계열을 이용한 전이함수모형을 각각 완성하고 그 효과를 비교 평가하였다. 마지막으로 유도된 확률모형을 이용하여 보험계약대출 수요예측의 통계적 절차를 제안하였다.

• 보건행정학회지
• /
• 제1권1호
• /
• pp.54-71
• /
• 1991

Health of a nation is quite often represented by the statistics such as infant death rate and maternal mortality rate. It is indisputable that maternal child health(MCH) is the basis of health of a nation. MCH is also one of the cardinal component of primary health care. The importance of MCH is conspicuous especially in the developing countries. In Korea, People in the rural communities still have high access barrier to basic health care needs, including MCH services. Access to quality care during pregnancy and delivery seems to be the crucial factor in preventing deaths in women and children. The beneficial effects of prenatal and postnatal care on the outcome of pregnancy for mother and child, and those of health professional-attended institutional delivery on the health of mother and child have been well documented in many studies. Recognizing these effects, the government of Korea received IBRD loan of $30 million in 1979 for th purpose of constructing 89 rural MCH centers. The construction is complete now and all 89 MCH centers are under operation ti imporve primary health care for mothers and children in Korea. However, it has been observed over time that overall performance of public MCH centers is declining. The decline has been attributed partly to low quality services by public MCH centers, poor management by health center mangers, competition with for-profit private clinics, and to the development of national health insurance. This study investigates the utilization by rural communities in Korea of MCH services provided by public sector health centers deemed to be physically and financially accessible to the community but suboptimally used. It seeks also to determine the factors that influence people's utilizations. This study sets out to discover a desirable form of MCH center from among alternative forms of centers, thereby to construct a MCH model.