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Analysis of the Redemption Risk of Renters Using CoLTV (CoLTV 지표를 이용한 임대차주의 상환위험 분석)

  • Lee, Ta Ly;Song, Yon Ho;Hwang, Gwan Seok;Park, Chun Gyu
    • Korea Real Estate Review
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    • v.28 no.1
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    • pp.65-77
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    • 2018
  • This paper analyzes the redemption risk of renters by estimating the LTV and CoLTV with finance market big data (individual credit information) and housing market big data (actual housing transaction data). The analysis showed that when using LTV, the redemption risk was higher in the case of the monthly renter than of the chonsei renter. On the other hand, when using CoLTV, the chonsei renter had a higher redemption risk than the monthly renter. This implies that there is a need to activate a guarantee system, such as risk management using the CoLTV index and the chonsei deposit return guarantee because it is possible for renters to experience losses on their chonsei deposits due to the higher redemption risk. Another implication is that the risk manager should consider the individual characteristics of renters because of the different effects of the redemption risk stemming from the characteristics of the rental contract and the personal characteristics of the renters. CoLTV was just a concept until this study calculated it using housing big data and actual housing transaction information. It helps identify the redemption risk through the characteristics of renters and their contracts.

Effects of Shading Rates on Growth and Yield of Allium hookeri Cultivation at Greenhouse in Middle Area of Korea (중부지역 뿌리부추 하우스 재배 시 차광 정도가 생육 및 수량에 미치는 영향)

  • Park, Eui-Kwang;Noh, Jae-Gwan;Lee, Min-Jeong;Nam, Sang-Young;Hong, Eui-Yon;Lee, Cheol-Hee
    • Journal of Bio-Environment Control
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    • v.25 no.4
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    • pp.320-327
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    • 2016
  • Allium hookeri is used for food and medical materials in Asia. This study was carried out to elucidate the effects of shading rates on growth and quality of A. hookeri cultivation in greenhouse. Treatments were given with 35%, 55%, 75% and 95% shading rates and non-shading (Control). Photosynthesis photon flux density (PPFD) of control, 35%, 55%, 75%, and 95% shading were 792, 515, 351, 182, and $78.2{\mu}mol{\cdot}m{\cdot}s^{-1}$ respectively. The emergence ratio was 98% under non-shading, 35% and 75% shading condition, and it was 100% under 55% and 95% shading condition on April 20, 2016. These results showed no correlation between emergence rate and shading treatment. When shading net was set up inside at greenhouse, fresh weights in control, 35%, 55%, 75%, and 95% shading treatments were 1,142, 3,511, 5,936, 6,408 and 3,779kg/10a, respectively. When shading net was set up outside at greenhouse, fresh weights in control, 55%, 75%, and 95% shading treatments were 1,372, 5,442, 6,238 and 3,595kg/10a, respectively. Dry weight, percentage of dry matter, number of leavesand branches, plant height and root length in 75% shading treatment were higher than other shading treatments. From these results, we suggested that the proper shading rate in a greenhouse is 75% for A. hookeri cultivation in middle area of Korea.

Comparison of Experimental and Radiation Therapy Planning (RTP) Dose Distributions on Air Cavity (공동(air cavity)의 존재 시 실험적 선량분포와 치료계획상의 선량분포 비교)

  • Kim, Yon-Lae;Suh, Tae-Suk;Ko, Shin-Gwan;Lee, Jeong-Woo
    • Journal of radiological science and technology
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    • v.33 no.3
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    • pp.261-268
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    • 2010
  • This study is compared that the dose distribution by experimentation and radiation therapy planning (RTP) when the air cavity region was treated high energy photon. The dose measurements were performed with a 6 MV photon beam of linear accelerator. The polystyrene and self made acyl phantom were similar to tissue density of the human body. A parallel plate chamber was connected to an electrometer. The measurement setup was SCD (Source Chamber Distance) 100 cm and the distance of surface from air cavity was 3 cm. Absorbed dose of interface were measured by area and height. The percent depth dose were measured presence and absence of air cavity, depth according to a ratio of field size and air cavity size. The dose distribution on planning was expressed to do the inhomogeneity correction. As the area of air cavity was increased, the absorbed dose were gradually reduced. It was slightly increased, when the height of air cavity was changed from 0 cm to 0.5 cm. After the point, dose was decreased. In case of presence of air cavity, dose after distal air cavity interface was more great than absence of air cavity. The rebuild up by field size and area of air cavity occurred for field size, $4{\times}4\;cm^2$, $5{\times}5\;cm^2$ and $6{\times}6\;cm^2$, with fixed on area of air cavity, $5{\times}5\;cm^2$. But it didn't occur at $10{\times}10\;cm^2$ field size. On the contrary, the field size was fixed on $5{\times}5\;cm^2$, rebuild up occurred in area of air cavity, $4{\times}4\;cm^2$, $5{\times}5\;cm^2$. but, it did not occur for air cavity, $2{\times}2\;cm^2$, $3{\times}3\;cm^2$. All of the radiation therapy planning were not occurred rebuild up. It was required to pay attention to treat tumor in air cavity because the dose distribution of planning was different from the dose distribution of patient.