파산시기 변동성을 고려한 차등예금보험료 산출모형

조성욱 예금보험공사 2008 金融安定硏究 Vol.9 No.1

The current deposit insurance system in Korea does not reflect financial risks of insured financial institutions as they pay the same fixed rate regardless of their default risk. While previous studies such as Merton (1977)’s model recognize the different risks of insured, they assume that insurance corporations can intervene only on the final date of the period. Such an unrealistic assumption results from their theoretical base of European options. Applying an analytical solution for the put back options developed in Lee and Joh(2007), this paper derives a solution for risk-based deposit insurance premiums when default can happen any time and a deposit corporation can intervene immediately. As the insured get more benefits with more discretion regarding the choice of when to call the insurance to intervene, it can pay a higher premium. Based on the solution, this study demonstrates how interest rate, volatility of assets, duration and upper limits of insurance affect the premium. 본 연구는 기존 예금보험료 모형의 단점을 보완하여 개별금융기관의 파산위험성을 반영할 뿐만 아니라 금융기관의 파산시기와 예금보험의 개입시기를 모형의 기말로 고정하지 않고 변동할 수 있는 예금보험료 모형을 도출하고자 한다. 본 연구는 이종룡·조성욱(2007)의 풋백옵션 가치산정 모형에 기초하여 금융기관의 자산가치가 예금가치보다 작을 때 금융기관의 자산을 예금보험에 주고 보장된 예금가치를 얻을 수 있는 옵션가치로부터 예금보험의 가치와 예금보험료를 도출한다. 파산시기의 변동성을 고려한 모형과 파산시기의 변동성을 허용하지 않은 경우 각각 도출한 예금보험요율이 이자율, 금융기관 자산의 변동성, 보험기간 등이 변화함에 따라 어떻게 변화하는 지를 비교 분석한다.

거점국가 학습 방법에 의한 라틴 아메리카 지역의 이해

조성욱 한국지리환경교육학회 2020 한국지리환경교육학회지 Vol.28 No.2

This study looked at the hub nation-centered learning by regional classification for understanding the Latin American region, which is not directly related to Korean students. The findings of this study are summarized as follows; Firstly, for understanding of the large scale region like a continent, the nation- centered as a hub country approach is more useful for deepening local recognition and active participation of students than continental scale. Secondly, the usefulness of the hub nation-centered approach is can be understood the common characteristics of the region in depth. And the learning of the secondary and tertiary nations learning is focus on specific points except for the basic and common points obtained through the primary hub nations learning, which can reduce the learning burden and overlap of contents. Thirdly, the Latin American region is consists of 33 countries from Mexico in the northern to Chile in the southern. The Latin American region can be divided into three regions: Central America(8), South America(12) and the Caribbean(13). Fourthly, Brazil is absolute position in terms of population and area size in Latin America. And Mexico is a large position in Central America, Cuba is a large share of Caribbean countries. Therefore, the three countries(Brazil, Mexico and Cuba) have been selected as the primary hub nations for Latin America understanding. Fifthly, it proposed eight secondary nations, three in the Central America(Panama, Belize, Costa Rica), three in South America(Colombia, Peru, Argentina) and two in the Caribbean(Iti, Trinidad and Tobago). However, nation-centered approach has limitations in learning natural geographical elements, such as mountain ranges and streams that have the characteristics of continental scale. 우리나라 학생들과 직접관련성이 적은 라틴 아메리카 지역의 이해를 위해서, 지역분류 방법에 의한 거점국가 선정과 거점국가 중심의 학습방법을 살펴보았다. 본 연구에서 밝혀진 내용을 정리하면 다음과 같다. 첫째, 대륙과 같이 큰 규모의 지역을 학습하는 데는 대륙 전체적인 접근 보다는, 거점국가 중심의 지역이해 방법이 지역에 대한 인식을 깊게 할 수 있으며, 학습자의 능동적 참여에 의한 학습이 가능하다. 둘째, 지역분류에 의한 거점국가 선정과 학습방법은 1차 거점 국가의 학습을 통하여, 지역의 공통적 특성을 깊이 있게 이해하여 지역인식의 거점을 형성할 수 있다. 그리고 2차 및 3차 국가의 학습은 1차 거점국가 학습을 통해서 얻은 기본적이고 공통적인 사항을 제외하고 특이성을 중심으로 학습할 수 있어서, 학습 부담과 내용 중복을 줄일 수 있다. 셋째, 라틴아메리카 지역 33국은 중미(8국), 남미(12국), 카리브 해(13국) 등 3개 지역으로 세분할 수 있다. 넷째, 라틴아메리카 지역에서는 인구 규모나 면적에서 브라질의 위치가 절대적이다. 그리고 중미에서는 멕시코, 카리브 해 국가들 중에서는 쿠바의 비중이 크다. 따라서 이들 3개국(브라질, 멕시코, 쿠바)을 라틴아메리카 지역 이해의 1차 거점 국가로 선정하였다. 다섯째, 2차 거점국가로는 특이성을 중심으로 중미에서 3개국(파나마, 벨리즈, 코스타리카), 남미에서 3개국(콜롬비아, 페루, 아르헨티나), 카리브 해에서 2개국(아이티, 트리니다드 토바고) 등 8개국을 제시했다. 그러나 국가 중심 학습 방법은 대륙 단위의 특성을 지니는 산맥이나 하천 등의 자연지리적 요소를 학습하는 데에는 한계점이 있다.

응급실에서 혈역학적 안정성 감시를 위한 말초관류지수(perfusion index; PI)의 사용

조성욱,유승,한규홍,유인술 대한응급의학회 2011 大韓應急醫學會誌 Vol.22 No.1

Purpose: In hemodynamically unstable patients, tissue perfusion is decreased and various means of continuous observation are required. However, prior methods for observing hemodynamic instability are invasive and/or difficult for continual observation. The present study evaluated the usefulness of the perfusion index (PI) in monitoring hemodynamically unstable patients in the emergency department. Methods: From December, 2009 to April, 2010, patients admitted to our hospital emergency department with signs of hemodynamic instability were studied. Vital signs and stroke volume index (SVI) and cardiac index (CI) were measured, and PI was continuously monitored by a Radical-7 pulse oximeter (Masimo, USA). Each variable was measured 1 hour before and after treatment, and treatment methods included fluid therapy and vasoconstrictors,according to the patient condition. Status on changes and correlation between variables following treatment were confirmed through the Wilcoxon rank test and Spearman correlation test, respectively. The standard level of significance was p<0.05. Results: Of the 26 patients, 19 were male (73.1%), with an average age of 68.54±14.32 years. Significant changes in each variable 1 hour before and after treatment were mean arterial pressure 53.51±8.29mmHg / 74.68±12.95 mmHg (p<0.001), SVI 26.70±14.04/34.27±13.56(p<0.001), CI 2.12±1.02/3.12±1.53(p<0.001), and PI 1.23±1.00/1.77±1.32(p<0.001). Variations of heart rate (R=-0.430, p=0.032)and SVI (R=0.432, p=0.031) were correlated to the variation of PI (dPI). Conclusion: PI may be useful in monitoring hemodynamically unstable patients in the ER.

한국 자동차 부품공업의 연계 패턴에 관한 연구 : 공업 구조적 특성을 중심으로

조성욱 서울대학교 지리교육과 1987 地理敎育論集 Vol.18 No.1

This study examines forward and backward linkage patterns in the automobile part and component industry in Korea in particular, the study analizes linkage patterns for independent single-plant firms and multi-plant corporations. Most of the automobile part and component manufacturing firms are single-plant firms (independent firms) and are concentrated in areas of Seoul, Gyeong Gi Do, Pusan city and Daegu city. The head-quarters of multi-plant corporations are clustered in the Seoul Metropolitan region, more especially in the city of Seoul. In contrast, the branch plants of these multi-plant firms are distributed largely in Gyeong Nam and Gyeong Gi Do, which are less industrialized. The firms whose head-quarters are located in Seoul have a linkage pattern on a nation-wide scale, while those firms having head-quarters in other areas have developed the linkage pattern within the region where the head-quarters is located. The decentralization of branch-plants of Seoul-based-corporations has occured as a result of governmental efforts to disperse industrial facilities outside the city of Seoul. Firms whose head-quarters are in regions other than in Seoul usually establish their regional offices in Seoul to improve information linkage, namely face-to-face contact and tele-comunication contact. In the Linkage analysis the nation is divided into three regions: the Seoul Metropolitan region, the Young-Nam region and the Ho-Nam region. Backward linkages in each region occur largely within the region, while forward linkages have interactions outside the region. Among the three regions, the Young-Nam region is the highest in the ratio of self-dependent in material supply within its own region. One of the major reasons for this high self-dependence in the Young-Nam region is that the major iron and steel industries and metal fabricated industries in the nation are located in the region. The Ho-Nam region, by contrast, has to be dependent on other regions for the supply of material because of its lack of related industries. This region is further lacking in skilled labor and in well-established information linkage because the region is located outside the major industrial axis in Korea. The result of stepwise discriminant analysis is conducted to examine the linkage patterns which occur within the region and outside the region. The result indicates that the structure of the firm is the major variable contributing to distinguish the linkage pattern within the own region and outside the region. This fact implies that structure of the firm exerts more influence on the forward linkage patterns than on the backward Linkage. A case study has been conducted to examine the decision making processes in forward-backward linkage patterns. One of the major multi-plant firms among the automobile manufactury firms was selected. This firm has its head-quarters in Seoul and its branch plants in Gyeong Gi Do(Yong-in) and Gyeong Gi Do(Si-heung). Decisions on the forward linkages are largely made by the headquarters, and decisions on the backward linkages are made by the local plant. Each separate branch plant is not directly inter-dependent at plant level, but is highly inter-related to head-quarters. A major plant shortcoming of this study is that it failed to incorporate dynamic aspects of the process in the formation of linkage patterns.

2022 ICRE(International Conference for Road Engineers) 후기

조성욱 한국도로학회 2022 한국도로학회지 Vol.24 No.4

주제발표 / 관광서비스와 소비자만족 : 외래관광객실태조사분석을 중심으로

조성욱,조선배 한국소비자학회 1999 한국소비자학회 학술대회 Vol.- No.-

자연냉매$(CO_2)$를 이용한 냉난방시스템 기술개발

조성욱,우정태,Jo, Seong-Uk,Woo, Jeong-Tae 대한설비공학회 2007 설비저널 Vol.36 No.7

청년,성인부 : 성인부 주일설교; 같은 상황 다른 생각

조성욱 장로회신학대학교 기독교교육연구원 2012 교육교회 Vol.415 No.-

무인항공기의 영상기반 도로검출, 추적 및 궤적추종 비행실험

조성욱,허성식,정연득,심현철 한국항공우주학회 2012 한국항공우주학회 학술발표회 논문집 Vol.2012 No.11

본 논문에서는 무인항공기의 도로인식 및 추적을 위한 영상처리 알고리듬과 기존의 시선각 기반 횡방향 유도제어기법을 변형한 영상기반 궤적추종 유도제어기법을 제안하고 비행실험을 통해 그 성능을 검증하였다. 제안된 영상처리 알고리듬은 공간영역뿐만 아니라 주파수영역에서의 에지 성분을 검출하는 다중 에지 검출기를 통해 기존의 알고리듬보다 향상된 에지 검출 성능을 가지며 확률적 허프변환을 사용한 직선검출기법과 주성분 분석법 및 RANSAC 을 적용한 최소자승법 기반 직선모델링을 통해 기존의 단일 허프변환 직선검출기에 비해 강건한 직선정보 검출성능을 보여준다. 본 논문에서는 비행실험 중획득한 영상을 이용하여 영상처리 알고리듬의 성능을 검증했을 뿐만 아니라 실시간 영상처리를 포함하는 영상기반 횡방향 유도제어 비행실험을 통해 제안된 알고리듬의 성능을 검증하였다. This paper proposes an image processing algorithm for road detection and tracking integrated with a vision-based lateral guidance law for linear path following. Proposed image processing algorithm performs edge detection substantially better than standard method because it utilizes a multi-domain edge detector that detects edge components in spatial domain as well as frequency domain. Furthermore, it shows a better and robust line detection performance than standard Hough transform because it consists of two sub algorithms: Hough transform with progressive probabilistic approach(PPA) and line regression with random sample consensus(RANSAC) and weight update based on the principal axis analysis(PCA). The performance of proposed algorithm is validated by post image processing using video clip taken from flight test and actual flight test.

국소 진행성 결장암에서의 인접장기 절제의 효과

조성욱,이령아,정순섭,김광호 대한대장항문학회 2009 Annals of Coloproctolgy Vol.25 No.2

Purpose: In locally advanced adherent colon cancer surgery, a mutivisceral resection is known to reduce local recurrence and improve survival. Practically, the benefit of using this procedure may outweigh the risk of associated morbidity, but the procedure may not be performed uniformly. We reviewed the results of multivisceral resections for locally advanced colon cancer. Methods: From 2003 January to 2008 January, 476 colon cancer patients underwent surgery for locally advanced colon cancer in our hospital. Out of the 476 patients, 36 patients with pT3-pT4 who underwent any kind of adjacent organ resection other than a resection of the colon were reviewed retrospectively. Results: Out of the 36 patients, 22 were male and 14 were female, and the mean age was 63.44±13.26 yr. The sigmoid colon was the most common location for the primary lesion, followed by the ascending colon, the transverse colon, and the cecum. Invaded organs were the abdominal or pelvic wall in 5 patients, the visceral organs in 26 patients, the retroperitoneum in 2 patients. All patients received an en-bloc resection of the invaded organs. Ten patients were stage II, 14 patients were stage III, and 12 patients were stage IV. Fifteen patients were disease free at the end of this study, local recurrence had occurred in 1 patient, 6 patients had an intraabdominal recurrence, and 2 patients had developed a distant metastasis. The overall complication rate was 28%. The 5-yr survival rate of each stage according to the surgical approach did not show any meaningful difference. Conclusion: A multivisceral en-bloc resection has been recommended for locally advanced adherent colon cancer patients. To improve the outcome, we suggest progressive surgical treatment in such patients. Purpose: In locally advanced adherent colon cancer surgery, a mutivisceral resection is known to reduce local recurrence and improve survival. Practically, the benefit of using this procedure may outweigh the risk of associated morbidity, but the procedure may not be performed uniformly. We reviewed the results of multivisceral resections for locally advanced colon cancer. Methods: From 2003 January to 2008 January, 476 colon cancer patients underwent surgery for locally advanced colon cancer in our hospital. Out of the 476 patients, 36 patients with pT3-pT4 who underwent any kind of adjacent organ resection other than a resection of the colon were reviewed retrospectively. Results: Out of the 36 patients, 22 were male and 14 were female, and the mean age was 63.44±13.26 yr. The sigmoid colon was the most common location for the primary lesion, followed by the ascending colon, the transverse colon, and the cecum. Invaded organs were the abdominal or pelvic wall in 5 patients, the visceral organs in 26 patients, the retroperitoneum in 2 patients. All patients received an en-bloc resection of the invaded organs. Ten patients were stage II, 14 patients were stage III, and 12 patients were stage IV. Fifteen patients were disease free at the end of this study, local recurrence had occurred in 1 patient, 6 patients had an intraabdominal recurrence, and 2 patients had developed a distant metastasis. The overall complication rate was 28%. The 5-yr survival rate of each stage according to the surgical approach did not show any meaningful difference. Conclusion: A multivisceral en-bloc resection has been recommended for locally advanced adherent colon cancer patients. To improve the outcome, we suggest progressive surgical treatment in such patients.