거시경제 변수를 활용한 주택담보대출 연체율에 미치는 결정요인에 관한 연구

이석원(Lee, Seok-Won),황윤구(Hwang, Yun-Goo),윤영의(Yoon, Young-Eui) 한국부동산정책학회 2017 不動産政策硏究 Vol.18 No.3

In the second quarter of 2017, the size of the household debts has been reaching 1,388 trillion won. And, because the size of the housing mortgage loans has been closing in upon 560 trillion won, around 40.3% has been crowded in the housing demand funds. Regarding this, there is no choice but for the influence on the entire economy to be high according to the increase of the delinquency rate in case the economy worsens or the recession continues. This study intends to suggest the implications regarding the housing mortgage loans in the long-term viewpoint through the influence evaluations of the macroeconomic variables related to such housing mortgage loan delinquencies. The macroeconomic variables that were used were the housing mortgage loan delinquency rate (TOD), the price index of the average buying and selling of the real apartment transactions (APT_PRICE), the new housing mortgage loan interest rate (HINTEREST), the index of the industrial products (IIP), the amount of money in circulation (M2), the monetary amount of the housing mortgage loans (HML), the amount of the apartment transactions (TRADE), and these were unfolded in the viewpoint of the relationship with the real estate market and the currency policy. As a result of the unit root test, it appeared that, regarding the amount of the apartment transactions, the time series raw data had been maintaining the stability. And it was able to find out that the data of the remaining variables, including the housing mortgage loan delinquency rate (TOD), had been getting stabilized through the primary difference. Because, as a result of a co-integration test, at least 6 variables possess the linear, the selection of the model used the VEC model, and, regarding the optimal differential, the 1st model was selected based on the SC (Schwarz Criterion) value. As a result of taking a look at the granger causality relationship, it appeared that the variables that had the influences on the housing mortgage loan delinquency rate were the price index of the average buying and selling of the real apartment transactions (APT_PRICE), the new housing mortgage loan interest rate (HINTEREST), the index of the industrial products (IIP), the amount of money in circulation (M2), and the amount of the apartment transactions (TRADE). As a result of analyzing the VECM (Vector error correction Model) short-run equilibrium relationship, it appeared that the housing mortgage loan delinquency rate were influenced by the index of the average price of the buying and selling of the real transactions of the apartments and by the index of industrial products. As a result of a reaction to a shock, the positive (+) correlation appeared between the housing mortgage loan delinquency rate and the amount of the transactions of the apartments (TRADE) and, also, the interest rate of the new housing mortgage loan (HINTEREST). Eventually, regarding the housing mortgage loan delinquency rate, if the interest rate goes up, right away, an increase of the delinquency rate takes place. And, it appeared that, if the monetary amount of the housing mortgage loan becomes big, the delinquency rate decreases. This is because the delinquency rate has the influences on the incomes and others of the like, it can be under the control of the interest rate policies. The meaning of this research is that it investigated about the relationship with the housing mortgage loan delinquency rates by considering the indices in the real estate market and the currency policies at the same time. And, it is that, in the condition in which the scale of the housing mortgage loan having become big at present, raising the interest rate can aggravate the confusion more in the market. As a result, with regard to the proceeding with the real estate policies, the prudent and macroscopic approach is needed. And the researches on the relationships of the indices will be needed more in the macroscopic viewpoint.

Asphalt와 Carbon Black을 처리한 TYPE Ⅰ,Ⅱ,Ⅴ 시멘트의 몰탈 및 콘크리트 특성

황의환,조헌영,홍원표 忠南大學校 産業技術硏究所 1987 산업기술연구논문집 Vol.2 No.2

ACTPC(Asphalt and Carbonblack Treated Portland Cement) Ⅰ, Ⅱ, Ⅴ were made with TYPEⅠ, TYPEⅡ and TYPEⅤ cements by treating 0.5% straight asphalt and 0.4% carbon black, and their characteristics of paste, mortar and concrete were compared with those of TYPEⅠ, Ⅱ, Ⅴ cements. The results are as fallows. 1. The cumulative hydration hear of ACTPCⅠcement was appeared to be the middle stage of TYPEⅠand TYPEⅡ cements. 2. During the hydration reaction, the dorment period of ACTPCⅠ cement is longer than that of TYPEⅠ cement, but the hydration heat of ACTPCⅠ cement measured after 16hours from water mixing increased more than that of TYPEⅠ cement. 3. ACTPCⅠ cement mortar showed nearly same resistance against H₂SO₄solution as that of TYPEⅤ(sulfur resisting cement). 4. The concrete flexural strength of ACTPCⅠ cement is increased to 60∼65% than that of TYPEⅠ cement and 20∼23% than that of TYPEⅡ cement. 5. The concrete tensile strength of ACTPCⅠ, Ⅱ and Ⅴ cements are increased to 5∼7% than that of TYPE Ⅰ, Ⅱ and Ⅴ cements.

Streptozotocin유도 당뇨병이 백서하악 절단과두 치유에 미치는 영향의 실험적 연구

황의환,이상래,홍정표,김원철 大韓口腔顎顔面 放射線學會 1994 Imaging Science in Dentistry Vol.24 No.2

The purpose of this study was to investigate the remodeling process of the streptozotocin-induced diabetic rat's resected condyle. This experiment was performed with male Sprague-Dawly strain rats weighing approximately 250gm, which were rendered diabetic by an intravenous injection of streptozotocin(70 ㎎/㎏ body weight). After condylectomy, experimental rats were serially terminated on the 1st week, the 2nd week, the 3rd week, and the 4th week. The following termination, the mandibles were dissected out to make specimens. Each mandibular condyle was radiographed with Hitex HA-80(Hitex Co., Ltd. Japan). In addition to radiographic observation, the mandibular condyles, further decalcified and embedded in paraffin, were sectioned and stained with Hematoxylin and Eosin, Toluidine blue and Masson's trichrome. The were observed with a light microscope and a polarizing microscope. The results were as follows. 1.Soft X-ray radiograms revealed proliferation of bone after 1 week in both groups. Irregularly repaired bones and dense trabeculae were clearly observed in experimental group. 2.The resected condyles were repaired by intramembraneous and endochondral bone formation in both groups. 3.Bone tissue repair was initiated from the adjacent margin of resected bone, and cartilginous tissues were observed at the top of repaired one in both groups. 4.The number of osteoblasts of experimental group was small, compared with control group. Each osteoblast was small and flap. The thin trabeculae were irregularly formed. 5.Collagens of bone were gradually matured in both groups, but the degree of maturation was lower in experimental group. 6.Fibrous tissues covered the upper parts of repaired bone were densely arranged in the both groups. Conclusively, atrophied osteoblasts, immature collagen of bone, and this and irregular trabeculae which were characterized in the diabetes experimental group showed diabetes disturbed osteoblastic function and caused disturbance of remodeling process of bone.

水密性 포오틀랜드 시멘트의 製造方法과 最適組成에 關한 硏究

홍원표,황의환 충남대학교 공업교육연구소 1984 論文集 Vol.7 No.1

The construction works with concrete has the potential problems of water-tightness. The conventional treatments for water-tight concrete are not satisfactory in terms of strength and water-tightness. However, ACPC(asphalt coated portland cement), which was invented by Hong in 1972, was satisfactory in terms of water-tightness and compressive strength. ACPC was made by coating OPC(ordinary portland cement )with asphalt and adding with carbon black as pore filler in the rate of weight ranging from 0.1%to 0.9% respectively. The cause of permeation is the connection of crack and pore which are in the concrete. The purpose of this study was to find the optimum composition of ACPC according to the permeability test, the compressive strength test, and workability test. The major findings of this experiment are as follows; 1) The optimum composition of ACPC for water-tightness and compressive strength was found at 0.3% asphalt, 0.5% carbon black at the rate of the weight of cement in view of the economic consideration. 2) The compressive strength of the specimen of ACPC was lower than that of OPC in the case of aging of 7 days and 28 days but the compressive strength of the specimen of ACPC was higher that of OPC after aging 35 days. 3) The workability of ACPC was higher than that of OPC in through of the slump value test and fresh concrete air content test.

새로운 세파로스포린 유도체의 합성과 항균력에 관한 연구

박의석,김하정,최원식,황선암 순천향대학교 기초과학연구소 1996 순천향자연과학연구 논문집 Vol.2 No.1

New cephalosporin antibiotics, 7-[(3,4-dihydro-6-methoxycarbonyl-2,2-dimethyl-2H-1,4-thiazin-3-yl 1-oxide) -acetamido]-3-heterocyclothiomethyl-3-cephem-4-carboxylic acid derivatives (2a-2d) were synthesized. Anti-bacterial activities of these new cephalosporin derivatives and the relationship between their stucture and their activities were examined. Among them, 7-[3,4-dihydro-6-methoxycarbonyl-2,2-dimethyl-2H-1,4- thiazin-3-yl1-oxide)acetamido]-3-[(2-methyl-1,3,4-thiadiazol-5-yl)thiomethyl]-3-cephem-4-carboxylic acid exhibited the broad antibacterial activities against Gram(+) and Gram(-) bacteria.

스레트 양생용 이형제 개발에 관한 연구

洪元杓,金熹洛,黃義煥 충남대학교 공업교육연구소 1985 論文集 Vol.8 No.2

The purpose of this study is a development of releasing agent which is used for slate curing. The required conditions for preparing of releasing agent which is used for slate curing are as follows ; 1) The releasing agent is required to have a good affinity with water. 2) It is required to be stable against hydration heat which is generated in the course of curing process. 3) It is required to have a film forming property during curing stage. 4) It is required to have a low evaporation rate. Several experiments such as surface tension, evaporation rate, and economic analysis, were proceeded on the materials which were satisified with the above descriptions. From the experimental experiments, the optimum parts ratio of the releasing agent was confirmed as "light oil : methylene chloride : rice bran oil (3 parts) + Stearic acid(2 Parts) = 200 : 20 : 5"

두부회전에 따른 측모두부방사선 계측치의 변화

김광수,황미선,최의환,김광원,윤영주 대한치과교정학회 2000 대한치과교정학회지 Vol.30 No.1

본 연구는 측모두부방사선사진 촬영시 발생될 수 있는 두부회전이 측정된 선, 각계측치들에 어느 정도의 투사오차를 야기시키는지 알아보기 위해 조선대학교 의과대학 해부학교실에 소장중인 건조두개골 중 비교적 상태가 양호하고 특별한 비대칭이 없는 영구치열기의 건조두개골 17개를 표본으로 선택하여 시행하였다. 각각의 건조두개골을 수직축(Z축)을 중심으로 기준위치(0˚)에 대해 1˚ 간격으로 ±15˚ 까지 실험적으로 회전시켜 총 527장의 측모두부방사선사진을 촬영하였다. 이를 근거로 기준위치(0˚)에서의 계측치와 각 회전각에서의 계측치들 사이에 paired t-test를 시행하여 측모두부방사선사진 계측치 간의 차이를 규명하였으며, 이를 통해 투사오차의 관점에서 교정학적으로 유용한 측모두부방사선 계측항목을 구한 결과 다음과 같은 결론을 얻었다. 1.각계측항목이 선계측항목에 비해 투사오차가 작았다. 2.각계측항목은 정중시상면에 위치한 기준점들을 많이 포함할수록 투사오차가 작았다. 3.수평선계측항목의 길이는 필름방향으로 회전됨에 따라 점진적으로 감소되었으나, 초점 방향으로 회전됨에 따라서는 증가되다가 감소되었으며 상대적으로 그 변화양이 작았다. 4.두부회전에 따른 투사오차는 수직선계측항목에 비해 수평선계측항목에서 컸다. 5.수직선계측항목은 회전축으로부터 거리가 증가함에 따라 투사오차가 증가하였다. 이상을 종합해 볼 때 두부회전에 따른 측모두부방사선사진 계측치의 투사오차를 최소로 하기 위해서는 선계측항목보다는 각계측항목을 사용하는 것이 유용할 것으로 사료된다. This study was performed to find out the effect of projection errors on cephalometric linear and angular measurements according to head rotation during taking lateral cephalometric radiographs. Seventeen skulls with permanent dentition and no gross asymmetry were obtained from the Department of Anatomy, Medical School, Chosun University. Total 527 x-ray films were taken with 1˚ interval from the reference position(0˚) to ±15˚ around the vertical axis (Z axis) which is perpendicular to the midpoint of the line connecting the center of two ear rods in submento-vertex direction. Statistical analysis was performed by faired t-test if there were statistically significant differences between the mean of the reference position(0") and that of each rotation angle. The following results were obtained. 1.The projection errors of angular measurements were smaller than those of linear measurements. 2.The projection errors of angular measurements including midline landmarks were smaller than those including bilateral landmarks. 3.The horizontal linear measurements were gradually decreased when the skull was rotated toward the film, but slightly increased and then decreased when the skull was rotated toward the focal spot. However, the changes were smaller in focal direction. 4.The projection errors of horizontal linear measurements were larger than those of vertical linear measurements. 5.The projection errors of vertical linear measurements were increased with increased distance from the rotation axis to vertical measurements. It is concluded that the use of angular measeurements rather than linear measurements is recommended to minimize the projection errors.

인공 치아우식 발생 모델에서 디지털 방사선 공제술을 이용한 인접면 치아우식증의 진단

박정훈,최용석,황의환,이기자,최삼진,박영호,김경숙,진현석,홍경원,오범석,박헌국 대한구강악안면방사선학회 2009 Imaging Science in Dentistry Vol.39 No.1

Purpose : The purpose of the experiment was to evaluating the diagnostic ability of dental caries detection using digital subtraction in the artificial caries activity model. Materials and Methods : Digital radiographies of five teeth with 8 proximal surfaces were obtained by CCD sensor (Kodak RVG 6100 using a size #2). The digital radiographic images and subtraction images from artificial proximal caries were examined and interpreted. In this study, we proposed novel caries detection method which could diagnose the dental proximal caries from single digital radiographic image. Results : In artificial caries activity model, the range of lesional depth was 572-1,374 μm and the range of lesional area was 36.95-138.52mm². The lesional depth and the area were significantly increased with demineralization time (p<0.001). Furthermore, the proximal caries detection using digital subtraction radiography showed high detection rate compared to the proximal caries examination using simple digital radiograph. Conclusion : The results demonstrated that the digital subtraction radiography from single radiographic image of artificial caries was highly efficient in the detection of dental caries compared to the data from simple digital radiograph.

제2형 당뇨병 환자에서 체내 총항산화능 측정의 의의

윤여일,윤석기,김선규,김용현,남일송,차건영,황의원,김영선 순천향의학연구소 2001 Journal of Soonchunhyang Medical Science Vol.7 No.2

Background: The diabetic patients are at significantly increased risk of developing vascular disease. It's etiology may involve oxidative damage by free radiacals and protection againse such damage can be offered by antioxidants. We investigated that oxidative stress as assessed by measurement of total antioxidant status may play a role in development of diabetes mellitus. Method: We measured total antioxiant status using merchandised kit, glycated hemeglobin(HbA1c) in 46 type 2 diabetes mellitus patients and 50 healthy matched control subjects. Result: The total antioxidant status(TAS) was 2.10(±0.04) mmol/L in uncontrolled type 2 DM patients, 2.60(±0.03) in controlled type 2 DM patients and 2.70(±0.16) in healthy control subjects. TAS was significantly lower(P<0.05) in uncontrolled type 2 DM patients, but no significant association between in controlled type 2 DM patients and healthy control subjects. The TAS was 2.00(±0.17) mmol/L in complicated type 2 DM patients and 2.10(±0.29) uncomplicated type 2 DM patients. There was no significant associations between complicated type 2 DM patients and uncomplicated type 2 DM patients. Conclusion: Poor glycemic control is associated with reduced TAS in type 2 DM patients. TAS was thought indirect index that predict glycemic control of type 2 DM patients.

KP Index at the Initiation of Dialysis for Patients with End-stage Renal Disease

( Eui Won Hwang ),( Suk Bae Ji ),( Jin Kuk Kim ),( Seung Duk Hwang ) 대한내과학회 2004 The Korean Journal of Internal Medicine Vol.19 No.2