• KDI Journal of Economic Policy
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• v.36 no.4
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• pp.135-169
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• 2014

This study empirically analyzes changes in production patterns of farmers by agricultural disaster insurance. The aim of this project is to achieve stability of farm management by paying insurance in case of a natural disaster. However, it causes farmers to change production patterns in the direction of increasing production, and leads the crop price to drop. This can be explained by producers' risk reduction through the disaster insurance. The empirical analysis is based on IV approach with using two stage least squares method. The first stage estimates by difference-in-differences methodology indicate that the production of insurable crops increases more about 80,000ton on average than that of non-insurable crops. In addition, to solve the endogeneity problem caused by general supply and demand model, I use the first stage estimates and find that the price index of the crops drops about 2.3% according to the production increase by 10,000ton. The credibility of these results is also attained by various robustness checks. These findings suggest that it is necessary for government to analyze the whole economy which consists of producer and consumer welfare when it determines the policy. Besides, it implies that it is essential to develop a new market to cope with the unintended effect.

• 방재와보험
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• s.43
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• pp.88-89
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• 1989

현재 시중에 유통되고 있는 각종 상품에는 품질보증마크가 부착되어 있다. 이들 보증마크는 정부나 공신력을 갖춘 민간기관에서 시험검사를 한후에야 부착을 허락하기에 좋은 상품임을 믿고 고르는데 기준이 되고 있다. 많은 양의 외국산 물품이 수입되어 상점에서 쉽게 구입할 수 있게 된 요즘 국내외에서 이용되고 있는 각종 품질보증마크의 종류와 그 특성을 알아봄이 필요하겠다.

• 방재와보험
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• s.28
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• pp.40-41
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• 1986

1983년 10월 원대한 포부와 중차대한 사명감 아래 여주벌에서 첫 삽을 뜨며 출발한 국내 최초의 방재시험소가 마침내 건축공사를 끝내고 본격적인 업무개시를 눈앞에 두고 있다. 화재로 인한 각종 재난을 빈번히 겪으면서도 과학적으로 대처하지 못한 채 되풀이 되는 대형 참사에 속수무책이었던 우리 현실로서는 획기적인 발전이 아닐 수 없다. 우리보다 앞선 여러나라에 비해 조금도 손색없는 장비와 인력을 갖추고 최첨단을 향한 방재활동의 첫 발을 내디디며 무한한 긍지를 느낀다.

• Proceedings of the Korea Database Society Conference
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• 2001.06a
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• pp.261-277
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• 2001

선진 외국보험회사의 국내시장 진출 및 금융업종 간의 겸업화 등 보험시장의 환경변화로 인해 보험시장의 경쟁은 날로 심화되고 있는 상황이다. 이러한 상황에서 일부 영업조직에 의한 한정된 영업과 체계화되지 않은 고객관리만으로는 시장 및 고객을 획득하고 유지하는 경쟁 우위를 선점 할 수 없다. (중략)

• 프린팅코리아
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• v.13 no.2
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• pp.66-67
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• 2014

원화강세가 인쇄물 수출에도 영향을 미치고 있다. 환율하락으로 수출물가가 하락하고 있는데, 이는 6년 사이 최저 수준을 기록했다. 특히 환율이 급등과 급락을 오가는 사이 환율에 대한 대비가 거의 없는 중소 인쇄사의 경우 그 피해를 고스란히 입고 있다. 환율 변동에 따른 피해를 줄이기 위해 한국무역보험공사에서는 환변동보험을 통해 중소기업의 환율변동의 불확실성에 대한 위험을 대비할 수 있는 상품을 제공하고 있다.

• The Korean Journal of Applied Statistics
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• v.22 no.6
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• pp.1215-1227
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• 2009

Underwriting refers to the process that the insurance company measures the potential risk of the future clients and decide whether insuring them with current premium. Although the traditional underwriting system used in Korean automobile insurance market is easy to understand, it is not based on a reliable statistical procedure. In this paper, we propose to apply the generalized additive model into construction of underwriting system, which is based on statistical analysis. We use automobile insurance data in Korea and apply our approach to the data. The results from the empirical analysis would be useful even for determining the significance of each variable in calculating automobile insurance premium.

• The Journal of the Korea Contents Association
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• v.12 no.7
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• pp.295-305
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• 2012

This study analyzes actual conditions of private health insurance empirically by using the decision to join Korea Health Panel data. First, the study investigates how sociodemographic factors influence joining the private health insurance. Next, the relationship between the private health insurance membership and the frequency of medical service utilization is analyzed. The main results of these analyses can be summarized as follows: the socially vulnerable are less likely to join private health insurance relative to the middle and upper classes. The frequency of medical service utilization of private insurance members is relatively higher. This fact contains the possibility that the middle and upper classes are able to receive more medical services through private health insurance membership, while the socially vulnerable have difficulty with obtaining medical services in spite of much need. Therefore, policies are needed which manage the private health insurance more effectively and secure the publicity of health service socially.

• The Journal of the Korea Contents Association
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• v.18 no.1
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• pp.268-276
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• 2018

This study examined the effects of indemnity private health insurance on the medical utilization among the Korean adults. The used data were the 2014 survey data of Korea Health Panel, and the number of subjects was 11,436. Authors employed instrumental variable regression model where the instrument variables for controlling for endogeneity of indemnity were the purchasing of private pension and number of family members. The results showed that the number of outpatient visits and the number of hospitalizations for indemnity private health insurance subscribers were higher than non-subscribers. The number of household members and the private pension variables were proved to be appropriate as instrumental variables. This paper recommends the Korean government to monitor and evaluate the effects of indemnity private health insurance on the medical utilization in order to improve the efficiency of health care finance.

• Journal of the Korean Data and Information Science Society
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• v.24 no.3
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• pp.603-623
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• 2013

This paper proposes analyzing monthly rainfall patterns using copula and pricing related rainfall insurance using it. We analyze 30-year monthly precipitation data for 9 Korean cities between June and September using copula showing so that it can effectively generate realistic monthly rainfall patterns. In addition, we show that our copula rainfall models can be used in pricing various kinds of rainfall insurances effectively.

• Journal of Environmental Policy
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• v.10 no.1
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• pp.151-173
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• 2011

Whenever several natural disasters hit Korea with huge damage of property loss and death toll, government spends huge sums of money for rehabilitation of devastated areas every year. It's time to discuss about a natural disaster insurance, which is a long-term as well as precautionary measure. It is advisable to discuss government involvement through the natural disaster insurance, implementation of countermeasures against natural disasters. The natural disasters insurance have to executed as follows, 1) introducing natural disaster insurance with characteristics of social welfare, which makes fast recovery and anxiety reduction in the low-income bracket. 2) advisable to mix the methods of microinsurance including the natural disaster and index insurance.