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김광남,박종원,장욱 한국재무관리학회 2021 財務管理硏究 Vol.38 No.4
This paper analyses the step-by-step process of insolvency by linking assets and liabilities, in which the rapid increase in asset growth rate (increase in the average interest rate on deposits) by the receipt of high-interest deposits at insolvent savings banks is used as a high-risk, large-scale loan, leading to insolvency (increase in the ratio of overdue loans). The main empirical analysis results of this paper are as follows. First, variables such as asset growth rates, deposit-weighted average interest rates, PF loans, large loans, and overdue loan ratios are both significantly high in the group of suspended savings banks and the group of normally-operated savings banks, and indicate a significant positive relationship with the suspension of operations of savings banks. Second, the panel-fixed effect model, which analyzes the relationship between the asset growth rate dependent variable and the deposit-weighted average interest rate description variable, shows a significant positive relationship and the difference from the normal operating savings bank is also confirmed. Third, at the time when the suspended savings banks increase their assets based on the receipt of high interest rates (pre-business suspension T-7~T-8), it is confirmed that the ratio of overdue loans temporarily decreases lower than that of normal savings banks due to the increase in normal loans, but from the T-6th quarter of the suspension to the time of suspension due to the bad effects of high-risk and large-scale loans. 본 논문은 자산․부채를 연결해서 부실 저축은행의 고금리 예금수신에 의한 급격한 자산성장률증가(예금가중평균금리의 상승)가 고위험, 거액 여신으로 사용되어 부실(연체대출비율의 상승)로이어지는 단계적 부실화 과정을 실증분석한다. 본 논문의 주요한 실증분석결과는 다음과 같다. 첫째, 영업정지 저축은행군과 정상영업 저축은행군과의 평균차이 검정에서 자산성장률, 예금가중평균금리, PF대출, 거액여신, 연체대출비율 등의 변수들이 영업정지 저축은행군에서 모두 유의적으로 높게 나타나고 있으며, 저축은행의 영업정지에 유의적인 정(+)의 관계를 나타낸다. 둘째, 자산성장률 종속변수와예금가중평균금리 설명변수간의 관계를 분석한 패널고정효과모형에서 영업정지 저축은행은 유의적인정(+)의 관계를 나타내며 정상영업 저축은행과의 차이도 확인된다. 셋째, 영업정지 저축은행이 고금리수신을 기반으로 자산을 증가시키는 시점(영업정지 전 T-7∼T-8분기)에서는 정상여신의 증가로연체대출비율이 일시적으로 정상영업 저축은행보다 낮게 감소하나 고위험, 거액 여신의 부실영향으로영업정지 전 T-6분기부터 영업정지 시점(T)까지 증가하는 것이 확인된다.
Treatment of juvenile rheumatoid arthritis
김광남 대한소아청소년과학회 2010 Clinical and Experimental Pediatrics (CEP) Vol.53 No.11
The systematic approach to pharmacologic treatment is typically to begin with the safest, simplest, and most conservative measures. It has been realized that the more rapidly inflammation is under control,the less likely it is that there will be permanent sequelae. Nonsteroidal anti-inflammatory drugs (NSAIDs) are the mainstay of initial treatment for inflammation. In addition, the slow-acting antirheumatic drugs (SAARDs) and disease-modifying antirheumatic drugs (DMARDs) have efficacy of anti-inflammatory action in children with chronic arthritis. New therapeutic modalities for inflammation, such as etanercept and infliximab, promise even further improvements in the risk/benefit ratio of treatment. It is not typically possible at the onset of the disease to predict which children will recover and which will go on to have unremitting disease with lingering disability or enter adulthood with serious functional impairment. Therefore, the initial therapeutic approach must be vigorous in all children.