형방도적산(荊防導赤散)이 급성코카인 투여로 인해 유도된 흰쥐의 행동량과 c-Fos 발현에 미치는 영향

서지용,최애련,구덕모,Seo, Ji-Yong,Choi, Ae-Ryun,Koo, Deok-Mo 사상체질의학회 2010 사상체질의학회지 Vol.22 No.4

1. Objectives The present study was designed to investigate the effect of Soyangin Hyeongbangdojeok-san(HBDJS) on acute cocaine-induced behavior effect and gene expression in the rat brain. 2. Methods Experimental animals were composed of saline(SAL), cocaine(COC), HBDJS + COC, HBDJS + SAL group. Rats received HBDJS(100, 200 mg/kg, p.o.) 1 h prior to cocaine hydrochloride(20 mg/kg, i.p.) treatment respectively. After cocaine injection, locomotor activity and rearing were measured in a rectangular container equipped with a video camera above the center of the floor for 60 min. In addiction, c-Fos expression in the rat brain was detected using immunohistochemistry 2 h after cocaine injection. And the effect of HBDJS on acute cocaine-induced pERK, pElk, pCREB upstream of c-Fos expression was detected using western blotting and immunohistochemistry 15 min after cocaine challenge. 3. Results The present results show that HBDJS at dose of 200 mg/kg attenuated cocaine-induced both locomotor activity and rearing. Also HBDJS at dose of 200 mg/kg significantly decreased c-Fos expression in the rat brain(nucleus accumebns and striatum). However HBDJS at dose of 200 mg/kg have no effect on cocaine-induced pERK, pCREB, pElK-1 expression. HBDJS is c-Fos expression through ERK-independent pathway. 4. Conclusions. These results suggest that HBDJS may be effective in suppressing the reinforcing effects of cocaine.

Allergy 비염 환자에서 분리된 Klebsiella pneumoniae 289에 대한 소음인(少陰人) 보중익기탕(補中益氣湯), 곽향정기산(藿香正氣散) 및 궁귀향소산(芎歸香蘇散)의 항균효과

서지용,서은희,박석준,구덕모,Suh, Ji-Yong,Seo, Eun-Hee,Park, Suk-Joon,Goo, Deok-Mo 사상체질의학회 2004 사상체질의학회지 Vol.16 No.3

1. Objectives Although the incidence of allergic rhinitis is increasing continually, Sasang Constitutional Medicine is showing favorable treatment outcomes. This study was aimed to test the antimicrobial effects of Bojungikgi-tang, Gwakhyangjeonggi-san, and Gunggwihyangso-san which are being applied to allergic rhinitis of Soeumin. 2. Methods Klebsiella pneumoniae 289 was extracted from allergic rhinitis patients. Bojungikgi-tang, Gwakhyangjeonggi-san, and Gunggwihyangso-san were boiled down and concentrated, and the substances obtained were tested for the effects on stability to temperature and pH and on antimicrobial activity 3. Results When measured the level of antimicrobial activity, the inhibition zones of Bojungikgi-tang, Gwakhyangjeonggi-san, and Gunggwihyangso-san were found 11.42, 11.07, and 10.63mm, respectively. The levels of MIC were $15{\mu}{\ell}$, $20{\mu}{\ell}$, and $10{\mu}{\ell}$ in that order. The antimicrobial activities were increased 13.88% in Bojungikgi-tang, 16.63% in Gwakhyangjeonggi-san, and 10.72% in Gunggwihyangso-san. There was no influence of pH to antimicrobial activity of all three substances. 4. Conclusions Bojungikgi-tang, Gwakhyangjeonggi-san, and Gunggwihyangso-san had a high level of antimicrobial activity to Klebsiella pneumoniae 289 even at a low concentration.

국내 중소기업 정책금융의 개선방안: 미국의 정책사례를 중심으로

서지용 ( Ji Yong Seo ) 한국금융공학회 2015 금융공학산학연구 Vol.1 No.-

This study suggests the current problems, the policy methods, and the action plans on financial supports of Korean government for small and medium enterprises (SMEs) by analyzing the case of the U. S. policy with advanced financial support system for SMEs. Through this study, three policy recommendations for improving financial supports methods for SMEs can be suggested as follows. First, the stabilization steps of financial market and the reinforcement of the relationship banking are required in supporting SMEs. Especially, the monetary policy and the regulation policy for soundness of financial institutions should be consolidate. Besides, the consolidation of the monetary policy and the regulation policy of financial institutions leads to the stabilization of financial market through alleviating pro-cyclicality on loans to SMEs. Second, the newly-organized independent institution up-rating the Small and Medium Business Administration is required for effective policy making and policy enforcement on financial supports for SMEs. Third, the methods for financial supports of government to SMEs should be changed direct supports into indirect supports. In addition, the partnership between government and the private capital should be reinforced. Thus, the increase of financial supports based on the partial guarantee for SMEs financing as well as adopting secondary funds and invigorating venture capital market should be carried out.

에너지 기업의 주식수익률에 미치는 국제유가의 수요와 공급충격의 영향력

서지용(Ji-Yong Seo) 에너지경제연구원 2017 에너지경제연구 Vol.16 No.1

국내은행의 완충자본은 경기순응적인가?

서지용 ( Ji-yong Seo ) 한국금융공학회 2010 금융공학연구 Vol.9 No.4

By using an financial data of Korean banks from 2002 to 2009, this paper examines empirically on the relationship between capital buffer and business cycle. According to the results of analysis, some facts are found as follow. Firstly, there exists strongly negative relationship between capital buffer and business cycle in the previous stage. It is considered that the capability for precise calculating of risk quantity to increase the capital buffer during economic upturn is required for banks to improve pro-cyclical lending behavior. Also, the more reinforced check of the authorities is needed to reform it. Secondly, it is not found any evidence that there is different relationship between capital buffer and business cycle for each type of ownership structure and size of bank. This is different result what it is expected in light of previous literatures. Therefore, it is not concluded that Korean government owned banks can conduct policy financing which do not carry out loan recovery during economic downturn due to capital buffer increased during upturn. It is considered that the effort to build the improved risk calculation system is needed for government owned banks.

증강현실을 활용한 영유아 언어 학습 앱 개발

서지용(Ji-Yong Seo),고라희(Ra-Hee Goh),고은솔(Eun-Sol Goh),이은진(Eun-Jin Lee),노승민(Seungmin Rho),진성아(Seongah Chin) 대한전자공학회 2015 대한전자공학회 학술대회 Vol.2015 No.11

은행의 대출건전성에 미치는 거시경제변수의 영향력 연구

서지용(Ji-Yong Seo) 한국자료분석학회 2021 Journal of the Korean Data Analysis Society Vol.23 No.3

본 연구는 최근 가계대출 급증과 미국 국채금리 상승을 계기로 부쩍 관심이 높아진 거시경제변수의 은행 대출 건전성에 미치는 영향에 주목했다. 더욱이, 인도네시아 은행 대출의 건전성에 미친 거시경제변수의 영향을 다룬 최근 연구결과에도 관심을 갖게 되었다. 본 연구는 국내 은행을 대상으로 금리, 인플레이션, 환율이 총 대출 및 가계대출의 고정이하여신에 미친 영향력을 분석했다. 실증분석결과는 3가지로 요약된다. 첫째, 총 대출에 비해 가계대출의 고정이하여신에 미친 금리의 영향력이 뚜렷했으며, 정(+)의 영향력을 행사했다. 동 결과는 Viphindrartin et al.(2021), Bofondi, Ropele(2011)의 주장과 일치했다. 둘째, 대출건전성에 미치는 인플레이션의 효과는 뚜렷하게 나타나지 않았다. 특히, 가계대출의 건전성에 미친 인플레이션 압력 증가에 따른 효과는 통계적으로 유의하지 않았다. 셋째, 원달러 환율도 대출건전성에 유의한 영향을 보이지 않았다. 결론적으로 금리상승에 따른 가계대출 건전성 악화에 대비한 대책 마련이 시급하다. 원금 상환기간 연장, 이자유예조치로 연체가 현실화되지 않은 가계대출에 대한 대손충당금 적립 강화, 원리금 균등분할상환방식으로의 전환이 요구된다. This study did pay attention to the effects of macro-economic variables on financial soundness of Korean banks with the sudden increase of household debt and rising of U. S. treasury bond rate as a momentum. Besides, research motivation is also caused by a recent study reporting the effects of macro-economic variables on financial soundness of Indonesian bank loan. Current study analyzes the effects of interest rate, inflation, and foreign exchange rate on non performing loan (NPL) of total loan and household loan. Main test results are summarized as three things. First, the effect of interest rate on NPL of household loan is much more significant than that of total loan, and it is positive effect. This is line with the results of Viphindrartin et al. (2021), Bofondi, Ropele (2011). Second, there is no distinct effect of inflation on loan soundness. Especially, there is insignificantly inflationary effect on household loan’s soundness. Third, the effect of foreign exchange rate of Korean won to U. S. dollar on loan soundness is also not significant. Finally, steps to insolvency of household loan due to rising rate is urgently required. The enhancing rate on loan loss reserves and the change of the lump sum payment into the redemption by installment with principal and interest at expiration date to household loan with extended maturity date and interest deferral should be enforced.

은행 대출과 영업 효율성간의 관련성 연구 : 중소기업대출과 주택담보대출의 비교를 중심으로

서지용(Ji-Yong Seo) 한국자료분석학회 2020 Journal of the Korean Data Analysis Society Vol.22 No.3

본 연구는 최근 은행 경영성과 평가의 핵심 지표로 부각중인 영업 효율성에 주목했다. 영업효율성의 대리변수로서 Rogengpitya, Tarashev, Tsatsaronis, Villegas(2017)이 사용한 수지비율인 영업수익 대비 영업비용이 사용되었다. 최근 해외연구에서 대출변화와 영업 효율성간 관련성을 연구한 결과들이 발표되었는데, 연구결과가 서로 상충되어 연구자의 관심을 끌고 있다. 본 연구는 국내 은행권의 중소기업대출과 주택담보대출의 변화가 은행의 영업 효율성에 미치는 영향력을 실증적으로 분석하였다. 주요 연구결과는 2가지로 제시된다. 첫째, 국내 은행들의 중소기업 대출증가는 영업 효율성 개선에 기여한다. 정보 비대칭성이 높은 대출임에도 중소기업대출의 확대가 오히려 수지개선을 통해 영업 효율성을 높이는 것으로 나타났다. 둘째, 주택담보대출 증가는 영업 효율성 개선과 유의한 관련성을 보이지 않았다. 한편, 영업 효율성 개선에 기여하는 은행 특성변수는 자본확충 및 건전성 수준이었다. 즉, 자본확충과 건전성 개선이 이루어질 경우 영업 효율성이 제고되었다. 또한, 경기확장국면에서 영업 효율성이 개선됨도 확인된다. 결론적으로 정보비대칭성이 큰 중소기업대출의 확대가 반드시 신용거래비용 증가로 나타나 영업 효율성을 저해하는 것은 아니다. This study paid attention to operating efficiency (OE) in the spotlight as the core index for evaluating management performance. It is used the ratio of operating cost to operating revenue by Rogengpitya, Tarashev, Tsatsaronis, Villegas (2017) as the proxy variable of OE. Recent foreign study did report the research results on the relationship between the change of loan and OE, and they are attracted by the researchers due to different results. This study examines empirically the effect of the changes of small and medium sized enterprise (SME) loan and housing loan on OEs of Korean banks. Main results are suggested as two things. First, the increase of SME loan contributes to enhancing OE. Expansion of SME lending improves the OE by upgrading income and expenditure even though it has high asymmetry of information. Second, the increase of housing loan is not related with the improvement of OE. Meanwhile, bank characteristics related with improvement of OE are expansion of capital and enhancement of financial soundness. Enhancing capital and soundness level lead to improving OE. Besides, economic expansion results in betterment of OE. Finally, SME loan with high asymmetry of information does not always lead to deterioration of OE resulting from increasing cost of credit.

국내 은행의 중소기업대출 행태에 관한 특징적 연구

서지용(Seo, Ji-Yong) 대한경영학회 2011 大韓經營學會誌 Vol.24 No.3

규제가설 입증을 위한 은행 위험대리변수의 적정성 연구

서지용(Ji-Yong Seo) 한국자료분석학회 2021 Journal of the Korean Data Analysis Society Vol.23 No.2

본 연구는 최근 코로나 19로 인한 경기침체 지속 가능성에 대비한 금융당국의 자본규제 강화조치에 주목했다. 또한, 최근 발표된 해외연구에서 위험대리변수 선택에 따라 규제가설 입증에 차이가 있음에도 관심을 가졌다. 본 연구는 자본규제가 은행 수익을 감소시켜 위험수준을 늘린다는 규제가설이 위험대리변수에 따라 차이를 보이는 지 국내 은행을 대상으로 분석했다. 분석을 통해 확인한 주요 연구결과는 다음의 3가지이다. 첫째, 규제가설 입증에 적합한 위험대리변수는 위험가중자산이었다. 이는 최근 발표된 Abbas et al.(2021)의 연구결과와 부합한다. 둘째, 대손충당금 비율, 무수익여신비율은 규제가설 입증을 위한 위험대리변수로서 적합하지 않았다. 이는 규제가설을 반대한 Jacques, Nogro(1997), Aggarwal, Jaques(1998)의 주장을 지지하는 결과이다. 셋째, 무수익여신비율로 평가한 위험은 소규모 은행일수록 높음을 확인했다. 결론적으로 금융당국은 자본규제 효과가 위험대리변수에 따라 달라질 수 있음을 주지해야 한다. 따라서, 자본규제 효과를 확인하기 위해 다양한 위험대리변수의 분석이 필요하다. 또한, 금융당국은 소규모 은행에 대한 위험관리에 집중할 필요가 있다. Current study did pay attention to enhancing steps of capital regulation to prepare for continuing economic depression due to Covid 19. Besides, the study took an interest in recently reported foreign study suggesting that regulatory hypothesis; capital regulation leads to increasing risk due to making bank revenue decreased, depends on the kinds of risk proxy variables. By analyzing the research theme, confirmed results are as follows. First, risk weighted asset is appropriate to confirming regulatory hypothesis. This evidence supports to the results of Abbas et al, (2021). Second, loan loss reserve and non performing loan ratio, bank risk proxy variables, are not suitable for confirming regulatory hypothesis. This evidence supports the results of Jacques, Nogro (1997), Aggarwal, Jaques (1998) denying the regulatory hypothesis. Third, the smaller bank size is, the higher bank risk is in terms of non performing loan ratio as bank risk. As a result, the financial regulator has to understand the effect of capital regulation depends on the types of bank risk proxy variables. Accordingly, analyzing various risk proxy variables is required to confirm the effect of capital regulation. Besides, the financial regulator should focus on the risk management of small banks.