• The Korean Journal of Financial Management
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• v.14 no.3
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• pp.263-287
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• 1997

본 연구에서는 국내은행의 위험도가 반영된 보험요율을 Merton에 의해 처음으로 제시된 예금보험요율 결정모형을 이용하여 추정하였다. 실증분석 결과에 의하면 표본은행간의 예금보험요율의 추정치에는 횡단면적 차이가 있는 것으로 나타나 표본기간 중 여러 은행들이 공격적 경영을 취함으로써 은행파산의 위험도를 높이는 도덕적 위해의 문제를 발생시켰음을 보여주고 있다. 본 연구는 상관관계 분석을 통하여 추정된 보험요율이 Moody's사의 국내은행에 대한 장기신용등급과 재무건전도등급, 그리고 은행규모, 수익성, 자본적정성, 자산건전성을 나타내는 지표들과 어떠한 관계에 있는 지를 살펴보았다. 분석결과에 의하면 Moody's사의 국내은행에 대한 장기신용등급, 재무건전도등급과 보험요율 사이에는 통계적으로 유의한 관계가 있는 것으로 나타나 추정된 보험요율이 이들 지표와 마찬가지로 위험도를 적절히 반영하는 것으로 나타났다. 또한 보험요율은 은행규모, ROA, ROE들과는 음의 관계가 있는 것으로 나타났으나, BIS기준 자기자본비율, 부실여신비율과는 양의 관계가 있는 것으로 나타났다. 그러나 자기자본비율이나 부실여신비율이 은행의 신용도나 위험도를 적절하게 반영하지 못하는 것으로 나타남으로써 이들 비율에 대한 회계방식의 개선이 요구됨을 본 연구의 결과는 보여주고 있다.

• 한국노년학
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• v.32 no.2
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• pp.593-609
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• 2012

The study was performed to identify the functional status change of beneficiaries of Long-Term Care Insurance and its related factors. We conducted the logistic regression with 17,652 beneficiaries during August and September in 2008. As a result, activities of daily living(ADL), behavioral changes, rehab, instrumental activities of daily living(IADL) and cognitive function, followed by nursing care area were improved in a greater degree. For the institutional service, level-1 beneficiaries was significantly improved in rehab area and level-2 beneficiaries was improved in ADL. For the home-visit care service of in-home services, level-1 beneficiaries was improved in ADL, level-2 beneficiaries was improved in ADL and rehab area, level-3 beneficiaries was improved in ADL, cognitive function and behavioral changes. For the day-and-night care service, level-1 beneficiaries was improved in ADL, IADL, behavioral changes and rehab area, level-2 beneficiaries was improved in behavioral changes, level-3 beneficiaries was improved in cognitive function and behavioral changes. For the short-stay service, level-3 beneficiaries was improved in behavioral changes. By the above results, there was a difference in a functional improvement by level and used services. Therefore, government need to provide the personalized service system based on the objective and comprehensive understanding for health and functional status of beneficiaries.

• Journal of Preventive Medicine and Public Health
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• v.22 no.4 s.28
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• pp.578-590
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• 1989

This study was conducted to assess the equity in the regional insurance scheme through analysis of the computerized data from one regional insurance society and National Federation of Medical Insurance. We analysed the insurance contribution and benefit by the classes based on total and income-related contribution per household. The major findings of this study are as follows : 1. The average proportion of income-related contribution among the total was 39.2% and the upper classes show higher proportion of the income-related contribution. 2. The upper classes show higher health care utilization rate than the lower classes. It suggests that the lower classes have relatively large unmet medical needs. 3. The analysis through the Lorenz curve reveals that there exists transference of contributions from the upper to lower classes. But the cumulative percentage of insurance benefit is smaller than that of the number of the insured. It implies that regional medical insurance scheme in Korea has still some inequity in the context of social security principles.

• The Journal of the Korea Contents Association
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• v.20 no.7
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• pp.149-160
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• 2020

The purpose of this study is to analyze factors affecting a grade maintenance of the non-graded group by LTCI(Long-Term Care Insurance, NHIS). The predictors were examined grade maintenance of the non-graded group(non-grade of A, B, C). The results were as follows: this study found that predisposing factors of the grade maintenance of non-graded of LTCI were significantly related to age, sex, death. Enabling factors of the grade maintenance of non-graded of LTCI were significantly related to household state, income level. Need factors of the grade maintenance of non-graded of LTCI were significantly related to dementia, grade of first grading, retry of applying for long-term care assessment. Based on the finding of study, implications and future research directions were discussed for policy considerations.

• Journal of the Korea Convergence Society
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• v.5 no.3
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• pp.7-16
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• 2014

The purpose of this study was to identify the factors influencing the level of nursing needs of a long-term care service user at home and the care giving burden of a primary caregiver. For this study, data were collected from 152 primary caregivers in J City with self-administered questionnaires and analyzed using multiple regression technique. Among the nursing needs of long-term care giving service users, the level of psychological and social requests was the highest. This study found that two characteristics variables(long-term care insurance benefit level and long-term care giving grade) had difference was statistically significant in physical nursing needs and psychological nursing needs. Out of care giving burden of primary caregivers, physical care giving burden was found to be the highest. Out of factors influencing care giving burden, daily care giving hours was the factor which had strongest influence. Basic living recipients and female primary caregivers showed higher care giving burden. The more care givers there were, the less care giving burden became.

• The Journal of the Korea Contents Association
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• v.18 no.1
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• pp.76-89
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• 2018

The purpose of this study is to analyze factors affecting a grade maintenance of long-term care service users. Using 2008-2014 long-term care raw data of National Health Insurance Service(NHIS), the predictors were examined through the logistic regression by long-term care beneficiaries of grade. The results showed that there are differences by 3 factor groups and grade groups(1-3 grade). In socio-demographic factors, in the 1, 3 grade, Individuals 64 or younger presented a much higher probabilities of the grade maintenance than those 85 and over. In the 3 grade, people of living alone, resident of rural area presented a much higher probabilities of the grade maintenance than others. In disease factors, In the 1 grade, people with dementia presented a much higher probabilities of the grade maintenance than other 2, 3grades. In the 2 grade, people with stroke, fracture presented a much higher probabilities of the grade maintenance than others. In the 3 grade, people with cancer presented a much higher probabilities of the grade maintenance than others. In service factors, In the 2, 3grade, people having more renewal numbers presented a much higher probabilities of the grade maintenance than others. In the 1 grade, people who use facility benefits for more days presented a much higher probabilities of the grade maintenance than others. In the 2 grade, people who use in-home benefits for more days presented a much higher probabilities of the grade maintenance than others. Based on the finding of study, implications and future research directions were discussed for policy considerations.

• The Journal of the Korea Contents Association
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• v.19 no.9
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• pp.348-356
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• 2019

This study is was to suggest improvement of assistive device for the elderly according to investigate the satisfaction and the needs of assistive device for elderly. The subjects were 184 beneficiary older adults in long-term health insurance who used home care service in I city and D city. Data were analyzed using SPSS 20.0. With the exception of cognitive assistance grade, subjects were showed from 'normal' to ' satisfied' on a types of assistive device and services related to assistive device. I, II grade subjects needed assistive device for self-care. III, IV and V grade subjects needed assistive device for safety and health maintenance. In the service related assistive device, All subjects needed service on 'periodic follow-up service', 'expert on assistive device' and 'comprehensive evaluation'. This results is significant in that it suggest to needed assistive device in accordance with grade unlike previous studies. Results of this study will expected to utilize as a basic evidence for improvement of assistive device, service related to assistive device for elderly.

• The Journal of the Korean life insurance medical association
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• v.25
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• pp.79-102
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• 2006

1. 서론 o 연구배경 05년 4월에는 생손보 공통의 신체장해분류표 개정시행 및 표준약관개정이 있었으며 05년도까지는 어떤 형태로든지 장애인차별금지법안이 입법화될 것이라고 한다. 따라서 장애인의 보험이 거절되었을 경우 입증책임은 보험회사에 있게 될 것이다. 생명보험업계로서는 공 통 인수지침마련을 통해 민원소지 최소화를 위해 노력했으나 오히려 장애인차별이라는 비난을 받게 되었다. 이에 개정신체장해분류표에 대한 연구 및 언더라이팅적 시각에서의 개선방안 모색이 필요하게 되었다. o 연구방향 신체장해제도는 보험회사 뿐만 아니라 각종 법규 및 정부기관에서 다양하게 운영되고 있다. 이들에 대한 연구 및 특히 보험청약시에 주로 접하게 되는 복지장애(장애인복지법하(下))에 대해 주로 연구하여 이와 개정신체장해분류표를 비교분석 하도록 한다. 그리고 개정신체장해분류표에서 향후에 발생가능한 문제에 대해 업계경험을 토대로 개선점을 강구하도록 한다. 2. 신체장애등급의 이론적 배경 o 신체장애제도의 종류 o 국내법상의 신체장애제도 o 신체장애평가제도 근거법규 o 해외주요국의 신체장애평가제도 3. 우리나라의 장애보장제도 현황 o 국가장애등급과 생명보험 실제지급경험의 연구를 통해 신체장해비교를 통해 장애1급의 주요원인이 질병원인에 있으며 재해원인은 상대적으로 낮은 수준을 보이고 있다. 특히 질병장애의 경우 05년 3월까지 등록된 복지장애에서보다 생명 보험 지급경험에서 훨씬 높은 비율을 나타내고 있음이 05년$1{\sim}5$월 생명보험 장애1급 지급 건의 연구결과 나타났다. 문제는 복지장애와 생명보험약관상의 신체장애의 평가기준이 상이하여 등급간 정도와 신체장해물의 정도의 비교에 표준화된 이론적 근거나 tool이 없다는 것이다. 이에 대해 외국사의 경우에는 장애의 결과보다는 원인질병에 의거하여 그에 따른 후유장애로 나뉘어 인수지침을 두고 있다. o 우리나라의 신체장해 평가방법을 보면 각종 법규나 정부기관에서 사용하는 평가방법을 포함하여 대략 신체장애등급방식과 신체장해율 방식으로 나눌 수 있다. 복지장애는 독자적인 신체장애등급방식으로 장애를 평가하고 있으며 생명보험약관은 05넌4월개정시부터 손해보험의 장기보험에서 기(旣)시행중인 신체장해율방식을 쓰고 있으며 이는 미국의 A.M.A법에 근간을 두고 있다. 상호간의 판정기준이 상이한 상황에서 언더라이팅은 장애의 원인은 고려되지 않은 결과물에 해당되는 신체장해율표만 가지고 인수지침을 세우기 어려우므로 A.M.A법에 대한 연구가 필요할 것이다. 또한 손해보험경험에서 이미 문제로 대두되고 있는 한시장해와 기타 제도적 개선방향을 모색해야 할 것이다. 4. 결론 우리나라에서 운영되고 있는 장해는 원인에 대한 고려나 선천성과 후천성의 구별이 없이 운영되고 있다. 또한 신체장해 평가기준이 너무나 다양하게 운영되고 있어서 기초통계축적에도 어려움이 많다. 보험회사의 사회적 책임의 한계도 존재한다. 따라서 장해의 결과보다는 원인에 대한 연구가 더욱 필요할 것이며 이에 대한 국민의 관심 및 공감대형성이 필요할 것이다.

• 한국노년학
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• v.31 no.4
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• pp.1047-1065
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• 2011

The main purpose of this study is to provide the sustainability and continuous development of Long-term care Insurance in projecting changes of the Long-term care Insurance beneficiary population and Cost. We conducted a transformed cohort-component projection method that are employed for the beneficiary population projection and applied the previous experiences in Japan and German. A transformed cohort-component method means that we also projected the increasing beneficiary of long-term care insurance for using the data of geriatric disease in NHIC and estimated the cost of insurance's financial resources. First of all, beneficiary increase and strategy of extending to level 4 are categorized 2 and the expense account projection are categorized 2. If it is thought experience of Japan and German, The Level 4 extend of insuree is projected 2012 or 2013. With the results of this study, we proposed that extended level 4 insuree include the 40%~90% of geriatric disease in elderly people. The number of beneficiaries in 2011 is expected to reach to about 342,896 and in 2015 is 415,905 on scenario 1. Scenario 2(40%of geriatric disease in elderly people), the number of beneficiaries in 2011 is 342,896 and in 2015 is 483,453. Scenario 3(90%of geriatric disease in elderly people), the number of beneficiaries in 2012 is 545,068 and in 2015 is 565,565. The cost of beneficiaries insurance benefit of scenario 1 are projected from 3,000billion in 2012 to 3,500billion won in 2015. Scenario 2 are projected from 3,100billion in 2012 to 4,000billion won 2015. Finally, The cost of Level 4 extending are need minimum 300billion to maximum 1,400billion won.

• The Korean Journal of Applied Statistics
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• v.26 no.6
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• pp.857-871
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• 2013

Export credit insurance is a policy tool for export growth. In the era of free trade under the governance of WTO, export credit insurance is still allowed as one of the few instruments to increase exports. This paper, using data on short-term export insurance contracts issued to foreign subsidiaries of Korean companies, calculates the expected loss per exposure by combining the effect of risk factors (credit rate of foreign importers, size of mother company, and payment period) on loss frequency and loss severity in different levels. We, applying generalized linear models (GLM), first fit loss frequency and loss severity to negative binomial and lognormal distribution, respectively, and then estimate the loss frequency rate per contract and the ratio of loss severity to coverage amount. Finally, we calculate the expected loss per exposure for each level of risk factors by combining these two rates. Based on the result of statistical analysis, we present the implication for the current premium rate of export insurance.