• 제목/요약/키워드: 가치 차이

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Improvement of CSVR used for Flood Damage Estimation based on Insurance Claim DB (침수피해액 추정을 위한 CSVR의 보험 Claim DB 기반 개선)

  • Baek, Chun Woo;Roh, Jin Yong;Lee, You Me;Park, Hong Gyu;Bae, Young Soo
    • Proceedings of the Korea Water Resources Association Conference
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    • 2019.05a
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    • pp.193-193
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    • 2019
  • 기후변화로 인한 거대 자연재해 발생의 위험이 지속적으로 증가하고 있으며, 국외의 경우 주요정부기관, 보험사 및 연구기관 중심으로 자연재해 피해예측 모델을 개발하여 사용하고 있다. 침수사고 인한 피해는 건물은 물론이고 가재도구, 재고자산, 기계시설 등의 내용물에서도 발생하며, 건축물 신축단가 등을 이용해 비교적 쉽게 자산가치를 산정할 수 있는 건물구조물과 다르게, 건물내용물의 자산가치는 시설물의 업종, 용도, 사용자 특성 등에 따라 변동성이 큰 특징이 있다. 내용물의 피해액 추정을 위해 자연재해 피해예측 모델은 건물 구조물과 내용물 가치의 비율인 CSVR(Contents to Structure Value Ratio)을 사용하며, CSVR은 시설물 용도에 따른 자산가치평가 통계를 이용해 산정할 수 있다. 충분한 자산가치평가 DB를 확보할 경우 CSVR의 정확도 확보가 가능할 것이며, 이를 위해 국내에서는 민간보험사의 재물보험 계약 4만여건의 건물, 내용물 보험가입금액을 행정안전부 도로명전자지도에서 분류하는 건물 용도에 따라 분석한 연구결과가 있다. 하지만, 일반적으로 보험가입단계에서 대략적으로 추정하는 보험가입금액과 실제 자산의 가치는 차이가 있을 수 있지만, 보험가입물건의 실제 자산가치는 일부만 DB화 되어 있는 단점이 있다. 본 연구에서는 사고 발생 후 작성되는 손해사정보고서에서 평가한 정확한 자산가치 DB를 수집하여, 보험가입금액을 기준으로 산정한 CSVR의 결과와 비교하였다. 손해사정보고서에서 평가한 실제 자산가치를 기준으로 분석한 CSVR과 보험가입금액을 기준으로 산정한 CSVR은, 업종에 따라 유사하거나 큰 차이를 보이는 경우도 있었으며, 침수로 인한 정확한 피해액 추정을 위해서는 보다 양질의 DB확보를 통한 CSVR의 정확도 확보가 필요한 것으로 분석되었다.

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Value differences by social class: Self-referenced values versus culture-referenced values (사회 계층에 따른 가치 차이: 자기 참조 가치 대 문화 참조 가치)

  • Hyebin Cheon;Hyekyung Park
    • Korean Journal of Culture and Social Issue
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    • v.24 no.4
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    • pp.563-592
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    • 2018
  • In this research, it was examined whether the importance of value of self(i.e., self-referenced values) and the perceived importance of values of average Koreans(i.e., culture-referenced values) differ according to social class. In Study 1, differences in the importance of self-referenced values according to the social class of 1,140 adults aged over 19 years old were examined using Korean data from the World Values Survey. Findings showed that higher social class was associated with higher levels of Hedonism (which belongs to the individualistic value domain) and Benevolence, and lower levels of Tradition (which belongs to the collectivistic value domain) and Universalism. In Study 2, culture-referent questionnaires were added to examine the differences in self-referenced values and culture-referenced values according to social class. Findings showed that higher social class was associated with greater importance attached to individualistic value domain (namely, Power and Achievement), and as a result of Study 1, less importance attached to Benevolence towards the self. On the contrary, for culture-referent ratings, higher social class was associated with lower perceptions of the importance of individualistic value domain (namely, Self-direction and Hedonism) and greater importance attached to Tradition (which belongs to the collectivistic value domain) for average Koreans. These results suggest that the importance of self-referenced values and culture-referenced values differ by social class. The need for social class research taking into account culture and the importance of the culture-referent ratings is highlighted. Future directions for research are discussed.

The Interpretation of Different Recreation Benefits According to Time Horizon in the Contingent Valuation Method (가상가치평가법(假想價値評價法)에서 시간범위(時間範圍)에 따른 휴양가치(休養價値)의 차이(差異) 해석(解析))

  • Kim, Joon-Soon
    • Journal of Korean Society of Forest Science
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    • v.88 no.1
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    • pp.117-123
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    • 1999
  • Consumer surplus is to be a value concerning a time horizon. Especially it is very important how long time horizon would be chosen in contingent market. This study aimed to provide causes of difference recreation benefits through discount rate in many aspects. The data were collected by personal interviews with visitors in Songnisan National Park. The respondents answered yes or no, dichotomous choice, on recreation benefits according to a chosen time horizon, one year or five years. The probit model was used in the analysis. In order to avoid the truncation bias of upper bound, the median was chosen as the recreation benefits of visitor. As the result, the value was evaluated to be 16,569 Won for one year and 27,111 Won for five years. The discount rate is estimated 153% annually to coincide different recreation benefits. The reasons of the high discount rate were to be interpreted as following five types : (1)uncertainty of future consumption (2)increasing of probability of the substitution owing to increasing of time horizon (3)recognization of different time horizons (4) effect by the price ratio of goods and utility function (5) overestimation of the recreation benefits owing to a basic premium of payment vehicle.

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Language of Hope in Europe (유럽의 관점에서 조망하는 희망의 언어)

  • van Dijk-Groeneboer, Monique;Opatrny, Michal;Escher, Eva
    • Journal of Christian Education in Korea
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    • v.65
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    • pp.29-54
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    • 2021
  • In Europe, the diversity in religions, cultures, languages and historical backgrounds is enormous. World War II and the Soviet Regime have played a large part in this and the flow of refugees from other continents increases the pluralism. How can religious education add to bridging between differences? The language across European countries is different, literally between countries, but also figuratively speaking and even inside individual countries. These differences occur in cultural sense and across age groups as well. Secondary education has the task to form young people to become firmly rooted people who can hold their own in society. It is essential that they learn to examine their own core values and their roots. Recognising their values should be a main focus of religious education. However, schools are currently accommodating increasing numbers of non-religious pupils. What role do religious values still play in this situation? How do pupils feel about active involvement in religious institutions, and about basing life choices on religious beliefs? Can other, non-religious values be detected which could form the basis for value-oriented personal formation? Research of these subjects has been ongoing in the Netherlands for more than twenty years and is currently being expanded to the Czech Republic and(former East) Germany. These are also secularized countries but have a very different history. Does the history and context of these countries play a role, and does this show in the values that are important to pupils? A comparative pilot study is being conducted as start of this broadening perspective geared towards greater insight into the values of pupils in these three European countries. This information helps to design appropriate new forms of religious value-oriented worldview education.

A Study on the Differences in Awareness of the Social Value of Public Libraries between Public library Users and Non-Users: Focused on Paju City (공공도서관의 사회적 가치에 대한 이용자와 비이용자의 인식 차이에 관한 연구 - 파주시를 중심으로 -)

  • Dong-Geun Oh;Dong-Jo Noh
    • Journal of the Korean BIBLIA Society for library and Information Science
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    • v.35 no.1
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    • pp.47-71
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    • 2024
  • This study aims to compare the awareness of the social value of public libraries between users and non-users to materialize the abstract concept of social value and, thereby, to present measures that can be applied to the library field. For this purpose, a survey was conducted in person or online for 15 days from May 7, 2023, targeting Paju citizens. Frequency analysis, factor analysis, independent samples t-test, and one-way analysis of variance were conducted on 206 valid response copies using SPSS 25.0. In the results, it is shown that, first, for awareness of the social value of public libraries according to socio-demographic characteristics, there were significant differences depending on age, with in particular, awareness among those in their 10s and 40s being higher than other age groups. For awareness of community development, the awareness of the female group was higher than that of the male group, while, for the awareness according to occupation, it is shown that awareness was highest in the following order: student, others, housewife, self-employed, and office worker. Second, for the awareness of the social value of public libraries, the awareness of the user group was higher than that of the non-user group in all areas. Third, for awareness of the social value of public libraries according to the level of library use, there was no significant difference between groups. In conclusion, it is suggested that measures to encourage non-users to become users, develop new content and services targeting male group and those in their 60s, and 20s, and strengthen community activities are needed to raise awareness of the social value of Paju City public libraries in the future.

Difference Test of CRM Strategic Factors by university type for building customer strategy of university (대학의 고객경영전략 수립을 위한 대학유형별 CRM 전략 요소의 차별성 분석)

  • Park, Keun;Kim, Hyung-Su;Park, Chan-Wook
    • CRM연구
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    • v.3 no.2
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    • pp.43-68
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    • 2010
  • One of the recent research trends that universities are increasingly adopting the concept of 'customer' and the customer-oriented strategy has urged us to research enterprise-wide CRM strategy adaptable to university administration. As the first step of CRM strategy for university management, we try to validate the difference of CRM strategic factors among university types. Drawing upon both CRM process and customer equity drivers, which have been recognized as core frameworks for CRM strategy, we developed those survey instruments adoptable into university industry, and validated statistically-significant difference among 12 types of university group constructed by the levels of university evaluation and the location of the universities. We collected 261 responses from 177 universities from all over the country and analyzed the data to see the levels of CRM processes consisting of customer acquisition, retention, and expansion, and customer equity drivers consisting of value equity, brand equity, and relationship equity by using multivariate ANOVA(MANOVA). The result confirms the explicit differences of the levels of CRM processes and customer equity drivers between the groups by university evaluation levels(high/middle/low). However, the analysis failed to show the significant differences of those between the group by university locations(the capital/the suburbs/the six megalopolises/other countries). More specifically, the level of activities for customer acquisition and retention of the universities in the higher-graded group are significantly different from those in the lower-graded group from the perspective of CRM process. In terms of customer equity drivers, the levels of both brand equity and relationship equity of the higher-graded group are significantly higher than those of both middle and lower-graded group. In addition, we found that the value equity between the higher and lower-graded groups, and the brand equity between the middle and lower-graded groups are different each other. This study provides an important meaning in that we tried to consider CRM strategy which has been mainly addressed in profit-making industries in terms of non-profit organization context. Our endeavors to develop and validate empirical measurements adoptable to university context could be an academic contribution. In terms of practical meaning, the processes and results of this study might be a guideline to many universities to build their own CRM strategies. According to the research results, those insights could be expressed in several messages. First, we propose to universities that they should plan their own differentiated CRM strategies according to their positions in terms of university evaluation. For example, although it is acceptable that a university in lower-level group might follow the CRM process strategy of the middle-level group universities, it is not a good idea to imitate the customer acquisition and retention activities of the higher-level group universities. Moreover, since this study reported that the level of universities' brand equity is just correlated with the level of university evaluation, it might be pointless for the middle or lower-leveled universities if they just copy their brand equity strategies from those of higher-leveled ones even though such activities are seemingly attractive. Meanwhile, the difference of CRM strategy by university position might provide universities with the direction where they should go for their CRM strategies. For instance, our study implies that the lower-positioned universities should improve all of the customer equity drivers with concerted efforts because their value, brand, and relationship equities are inferior compared with the higher and middle-positioned universities' ones. This also means that they should focus on customer acquisition and expansion initiatives rather than those for customer retention because all of the customer equity drivers could be influenced by the two kinds of CRM processes (KIm and Lee, 2010). Surely specific and detailed action plans for enhancing customer equity drivers should be developed after grasping their customer migration patterns illustrated by the rates of acquisition, retention, upgrade, downgrade, and defection for each customer segment.

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Effects of Chinese Consumer lifestyles on perceived value, purchase intention, and satisfaction of Korean medium & low price cosmetics (중국 소비자 라이프스타일이 한국 중·저가 화장품의 지각된 가치, 구매의도, 만족도에 미치는 영향)

  • Kim, MinJeong;Rhee, Hyongjae
    • Journal of Service Research and Studies
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    • v.10 no.3
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    • pp.103-118
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    • 2020
  • Chinese economic growth and Chinese adoption of foreign cultures have changed varied phenomena, consumption patterns and consumer life-styles, in particular. In order to understand behavior of Chinese consumers, it is critical to explore their lifestyles and its effects on their purchase behavior. For attaining this goal, our research classifies Chinese consumer lifestyles related to cosmetics, into four types: brand oriented, price sensitive, rational consumption, and impulse buying. The research further analyzes the effects of consumer lifestyles on perceived value, satisfaction, and purchase intention in each case of skin care cosmetics and make-up cosmetics. Significant difference are found in perceived value, satisfaction, and purchase intention of skin care cosmetics exists between brand-oriented type and rational consumption type. This is also the case between rational consumption type and impulse buying type. Purchase intention is only found to be different between rational consumption type and price sensitive type. In case of make-up cosmetics, significant differences in perceived value, satisfaction, and purchase intention in the pairs of brand-oriented type and rational consumption type, rational consumption type and impulse buying type, and rational consumption type and price sensitive type. This implies rational consumption type should be more appropriate target consumers in the Chinese cosmetics market.

Viewers' Cognitions of Public Values and Their Attitudes toward Public Service Broadcasting and the License Fee (공적가치 인식에 따른 시청자 유형과 공영방송 제도 및 수신료에 대한 태도)

  • Oh, Hayoung;Kang, Hyung Cheol
    • Korean journal of communication and information
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    • v.69
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    • pp.139-169
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    • 2015
  • This paper examines the factors that influence viewers' attitudes toward the public service broadcasting (PSB) system and the license fee. A online survey group was classified into four types on the basis of their expectations and evaluations of public values and demographic characteristics. Subsequentially, the attitudes each type of the viewers displayed toward the PSB system and the license fee were analyzed. The result reveals that young women in their 20-40s have more negative attitudes toward the PSB system than any other groups; those women tend to have high expectations on 'diversity' whereas they show low satisfactions with all the other public values. Additionally, this study attempted to detect factors that affect the attitudes toward the PSB system and the license fee. The important factors was not only the viewers' demographic characteristics but also their expectations and evaluations regrading the public values of PSB.

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Job-esteem of the Students Who are Majoring in Aviation Operation Services (항공운항서비스 전공 대학생의 직업존중감)

  • Lee, Min-Soon
    • The Journal of the Korea Contents Association
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    • v.9 no.6
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    • pp.370-378
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    • 2009
  • This study researched on job-esteem of the students who are majoring in aviation operation services. Examining the differences in feelings of job-esteem on one's university and grade level, firstly, the result among universities indicated that the difference in positive value and social reputation factors but there's no difference in negative treatment and relative profit factors. secondly, the result indicated that there is a difference in feelings of job-esteem based on one's grade level in positive value, social reputation, and negative treatment except relative profit factors. Also, the result of this study on how variables of population statistics and satisfaction on the college major and self-esteem as flight attendants affect subordinate factors of job-esteem showed only variables of satisfaction on college major affected positive value, social reputation, negative treatment, relative profit factors.

Investigating the Effect of Value-Oriented Promotion for Media Contents: The Moderating Role of Self Construal (미디어 콘텐츠에 대한 가치 지향적 프로모션의 효과 분석 : 자기해석수준의 차이 를 중심으로)

  • Cho, Hyong-Oh;Nam, Chul-Woo
    • Journal of Digital Contents Society
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    • v.18 no.3
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    • pp.475-483
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    • 2017
  • This study attempted to investigate how the effectiveness of value-oriented promotion for media contents depends on self-construal and incorporated Schwartz' value system theory(1992) and Gutman's means-end chain theory(1982) into the development of hypotheses. It was expected that media content promotion emphasizing "openness to change" value would be more appealing to those with independent self-construal, whereas media content promotion emphasizing "conservation" value would be more appealing to those with interdependent self-construal. These hypotheses were generally supported in a series of experiments. Also, the dynamic relationship among the four primary value dimensions proposed by Schwartz (i.e., openness to change, conservation, self-enhancement, self-transcendence) was clearly validated in this study.