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Chung-Hsiung Huang,Chun-Lung Chen,Shun-Hsien Chang,Guo-Jane Tsai 한국식품영양과학회 2020 Journal of medicinal food Vol.23 No.6
Single strain or mixed strains of Lactobacillus plantarum FPS 2520 and Bacillus subtilis N1 were used to ferment soybean meal (SBM), and the antiobesity activity of the fermented SBM product was investigated in rats fed with high-fat diet (HFD). After fermentation, free amino nitrogen, total peptide, and isoflavone contents were markedly raised, and genistein and daidzein were the major isoflavones in the fermented SBM. After fed with HFD for 10 weeks, obese Sprague-Dawley rats were orally treated with various fermented products for 6 weeks. The body weight gains, as well as weights of abdominal fat and epididymis fat, of rats fed with fermented SBM products were significantly downregulated. The treatment with the mixed-strains fermented SBM product significantly decreased plasma levels of triglyceride (TG), total cholesterol (TC), and low-density lipoprotein-cholesterol, but increased the level of high-density lipoprotein-cholesterol. Moreover, the levels of TG, TC, fatty acid synthase, and acetyl-CoA carboxylase (ACC) in liver were diminished, and the activities of hormone-sensitive lipase and lipoprotein lipase in adipose tissue were augmented. Taken together, these data demonstrated the antiobesity activity of fermented SBM products, among which the product fermented by the mixed strains being the most effective one. Therefore, these fermented SBM products are potential to be developed as functional foods or additives for treatment of obesity and prevention against obesity-induced complications.
개인 소비 지출 및 소득 충격에 의한 채무 불이행 행태 분석
유재인 ( Jane Yoo ),정호성 ( Hosung Chung ) 한국금융정보학회 2021 금융정보연구 Vol.10 No.2
본고에서는 개인 단위 패널 자료를 이용하여 개인의 소비지출과 소득충격이 채무불이행 행태에 미치는 영향을 살펴보았다. 본고는 이를 분석하기 위하여 개인별 채무불이행에 대한 다양한 정보를 포함하고 있는 한국은행 가계부채DB와 상세 소비지출 및 소득 내역을 포함하고 있는 한국노동패널조사 DB를 일대일 성향점수 매칭 방법을 이용하여 개인 패널자료를 재구축하였다. 음이항 분포 및 로짓 모형 회귀분석결과에 따르면 소득 대비 대출 잔액이 크면서 소비·지출액은 적을수록 채무불이행 계좌를 보유하고 있을 확률이 증가하였다. 특히 자영업을 운영하고 있거나 총 소비 중 의료비 관련 지출 비중과 신용카드를 통한 대출이 증가할수록 채무불이행 확률이 상승하는 것으로 나타났다. 본 논문은 복수의 개인 패널 자료를 통계적 매칭방법을 이용하여 통합한 후 상세 소득, 소비가 채무불이행에 미치는 영향을 분석한 국내 최초의 시도이다. 본 논문의 분석내용은 개인의 채무불이행으로 인한 경제 전반에 걸친 악영향을 줄이기 위한 정책적 노력을 추진할 때 적절한 시사점을 제공할 수 있을 것으로 기대된다. In this paper, using personal-level panel data, we study the roles of shocks to consumption expenditures and income in determining one’s delinquent behavior in using credit. In order to analyze how household income, wealth, and demographic factors determine the delinquency rate, we create a unique panel by one-to-one matching of the household debt database provided by the Bank of Korea with the Korean Labor and Income Panel data provided by the Korean Labor Institute according to one’s propensity score based on the logit regression. According to our negative binomial regression and logit regression models’ results, we find that a person who has greater outstanding debt to income with smaller consumption expenditure tends to have a higher probability to hold a delinquent credit account for a longer period that others. Particularly, a business-owner or a household head, who has spent more for medical service and made more unsecured debts through a credit card account has a high likelihood to fail repayment in a timely manner. To the best of our knowledge, this study is the first study to use the matching technique to combine the two microdata sets to analyze the marginal roles of a consumer-level financial and demographic variables in the probability and period to hold a delinquent credit account.