• Title/Summary/Keyword: 연구개발역량

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The NACUFOK Business Consulting's Influence on the Management Performance of the Primary Credit Unions (신협중앙회 경영컨설팅이 단위신협의 경영성과에 미치는 영향)

  • Kang, Seong Moo;Ryu, Duk Wi
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.7 no.4
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    • pp.101-112
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    • 2012
  • Business consulting which aims at advising overall management, comparative advantage in competitive environment, administration and so forth is deemed to be significant so that a credit union may flexibly respond to rapid and complicated financial environment. Accordingly, business consulting has been initiated and implemented in credit union since 2002, which seemingly leads to positive outcome to enhance its competitiveness. However, very few research exists which analyze the credit union's competitiveness and business performance after the business consulting. Thus, the research intends to verify how consulting influences on management performance by its various factors. With the above studies in mind, hypothesis is formed that the characteristics of a consulting comsumer and the characteristics of supplier will give a meaningful impact on management performance. The test shows the result as followings: Firstly, a primary credit union's trust and NACUFOK's expertise demonstrate that they are closely relevant to financial and non financial management performance. Secondly, support and willingness to apply states that they influences on non financial performance, while no direct impact is found to financial performance. Thirdly, NACUFOK's capability is rarely interrelated to financial and non financial performance. The present study implies that the credit union as a consulting beneficiary should participate in the consulting, accept the result, and make effort to solve the management problems. In addition, NACUFOK as a consulting supplier should initiate the organization in exclusive charge, perform the professional group, and foster the professional consultant for the development of consulting method, the improvement of consulting process, and the specialization of consultant including the enhancement of core competencies. When these perspectives are sufficient, it will be connected to the management outcomes, further, it will be boosted up the competitiveness of the Credit Union. Hopefully the present study helps to motivate the consulting of primary credit union, boost up the effectiveness of consulting, further, providing the perspective on consulting the credit union. And these may result in the indication of consulting development direction and the competitiveness of Credit Union.

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Science Teachers' Awareness of the Criteria for Minimum Achievement Standards in Science to Support Basic Skills (기초학력 보장을 위한 과학과 최소한의 성취기준에 대한 과학 교사들의 인식)

  • Eun-Jeong Yu;Taegyoung Lee
    • Journal of The Korean Association For Science Education
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    • v.43 no.3
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    • pp.265-276
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    • 2023
  • The purpose of this study was to develop a plan to ensure that students lacking basic science skills acquire the minimum needed science learning ability while completing the common curriculum. We surveyed 27 elementary and secondary science teachers with experience in research and teaching related to basic skills support to investigate their perceptions of the criteria for minimum achievement standards using Consensual Qualitative Research (CQR) and Analytic Hierarchy Process (AHP). The results indicated that the science teachers tended to describe low achievers as lacking science learning competency, accumulating a science learning deficit, and lacking prerequisite knowledge. However, there were some differences in the characteristics that the elementary and secondary teachers paid attention to in students with insufficient science and basic academic skills. Specifically, the secondary teachers demonstrated greater sensitivity towards low learning motivation and difficulties in using scientific symbols, whereas the elementary teachers were more sensitive towards students' attitudes towards science or lack of experience. Furthermore, it has been observed that the prioritization of items, categorized by school level, differs in terms of setting minimum achievement standards to ensure basic skill support. This implies the need to develop minimum achievement standards considering various variables based on the school level. As there are diverse opinions among science teachers, depending on their expertise, regarding the factors to be considered when developing these standards to guarantee science and basic skill support. Based on the findings of the study, policy support is required to enhance teachers' professionalism in developing students' basic skills while considering the individual context and diversity of low achievers. Additionally, it is crucial to establish a shared vision for students lacking basic skills to reduce the gap between national policy and the practices of science teachers in ensuring support for basic skills.

Development of a Comprehensive Model of Disaster Management in Korea Based on the Result of Response to Sampung Building Collapse (1995), - Disaster Law, and 98 Disaster Preparedness Plan of Seoul City - (우리나라 사고예방과 재난관리 모형 개발을 위한 연구)

  • Lee, In-Sook
    • Research in Community and Public Health Nursing
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    • v.11 no.1
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    • pp.289-316
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    • 2000
  • 우리나라의 경우 지역사회 재난 관리계획과 훈련이 보건의료적 모형이라기 보다는 민방위 모형에 입각하기 때문에 사고 현장에서의 환자 중증도 분류, 합리적 환자배분 및 이송, 병원 응급실에서의 대처 등이 체계적으로 이루어지지 못하고 있으며, 지역사회가 이에 즉각적으로 반응할 수 없다. 본 연구는 삼풍 붕괴사고 시에 대응방식과 그 후의 우리나라 응급의료 체계를 분석함으로써 대형사고 예방과 재난관리를 위한 우리나라 응급의료체계의 개선방안과 간호교육에서의 준비부분을 제시하고자 한다. 1 삼풍 사고 발생시에는 이를 관장할 만한 법적 근거인 인위적 재해에 관한 재난관리법이 없었다. 따라서 현장에서는 의학적 명령체계를 확보하지 못했기 때문에 현장에서의 응급 처치는 전혀 이루어지지 못하였다. 현장에서의 중증도 분류. 응급조치와 의뢰, 병원과 현장본부 그리고 구급차간의 통신 체계 두절, 환자 운송 중 의료지시를 받을 수 있도록 인력, 장비, 통신 체계가 준비되지 못하였던 점이 주요한 문제였다. 또한 병원 응급실에서는 재난 계획이 없거나 있었더라도 이를 활성화하여 병원의 운영 체계를 변환해가지 못하였다. 2. 삼풍백화점 붕괴사고 한달 후에는 인위적 재해에 대한 재난관리법이 제정되고, 행정부 수준별로 매년 지역요구에 합당한 재난관리 계획을 세우도록 법으로 규정하였다. 재난 관리법에는 보건의료 측면에서의 현장대응, 주민 참여, 응급 의료적 대처, 정보의 배된. 교육/훈련 등이 포함되어 있어야 한다. 그러나 법적 기반이 마련된 이후에도 한국 재난 계획 내에는 응급의료 측면의 대응 영역은 부처간 역할의 명시가 미흡하며, 현장에서의 응급 대응과정을 수행할 수 있는 운영 지침이 없이 명목상 언급으로 그치고 있기 때문에 계획을 활성화시켜 지역사회에서 운영하기는 어렵다. 즉 이 내용 속에는 사고의 확인 /공고, 응급 사고 지령, 요구 평가, 사상자의 중증도 분류와 안정화, 사상자 수집, 현장 처치 생명보존과 내과 외과적 응급처치가 수반된 이송, 사고 후 정신적 스트레스 관리, 사고의 총괄적 평가 부분에 대한 인력간 부처간 역할과 업무가 분명히 제시되어 있지 못하여, 사고 발생시 가장 중요한 연계적 업무 처리나 부문간 협조를 하기 어렵다. 의료 기관과 응급실/중환자실, 시민 안전을 책임지고 있는 기관들과의 상호 협력의 연계는 부족하다. 즉 현재의 재난 대비 계획 속에는 부처별 분명한 업무 분장, 재난 상황에 따른 시나리오적 대비 계획과 이를 훈련할 틀을 확보하고 있지 못하다. 3. 지방 정부 수준의 재난 계획서에는 재난 발생시 보건의료에 관한 사항 전반을 공공 보건소가 핵심적 역할을 하며 재난 관리에 대처해야 된다고 규정하고 있다. 그러므로 보건소는 지역사회 중심의 재난 관리 계획을 구성하고 이를 운영하며, 재난 현장에서의 응급 치료 대응 과정은 구조/ 구명을 책임지고 있는 공공기관인 소방서와 지역의 응급의료병원에게 위임한다. 즉 지역사회 재난 관리 계획이 보건소 주도하에 관내 병원과 관련기관(소방서. 경찰서)이 협동하여 만들고 업무를 명확히 분담하여 연계방안을 만든다. 이는 재난관리 대처에 성공여부를 결정하는 주요 요인이다. 4 대한 적십자사의 지역사회 주민에 대한 교육 프로그램은 연중 열리고 있다. 그러나 대부분의 교육주제는 건강증진 영역이며. 응급의료 관리는 전체 교육시간의 8%를 차지하며 이중 재난 준비를 위한 주민 교육 프로그램은 없다. 또한 특정 연령층이 모여있는 학교의 경우도 정규 보건교육 시간이 없기 때문에 생명구조나 응급처치를 체계적으로 배우고 연습할 기회가 없으면서 국민의 재난 준비의 기반확대가 되고 있지 못하다. 5. 병원은 재난 관리 위원회를 군성하여 병원의 진료권역 내에 있는 여러 자원을 감안한 포괄적인 재난관리계획을 세우고, 지역사회를 포함한 훈련을 해야 한다. 그러나 현재 병원은 명목상의 재난 관리 계획을 갖고 있을 뿐이다. 6. 재난관리 준비도를 평가할 때 병원응급실 치료 팀의 인력과 장비 등은 비교적 기준을 충족시키고 있었으나 병원의 재난 관리 계획은 전혀 훈련되고 있지 못하였다 그러므로 우리나라 재난 관리의 준비를 위해서는 현장의 응급의료체계, 재난 대응 계획, 이의 훈련을 통한 주민교육이 선행되어야만 개선될 수 있다. 즉 민방위 훈련 모델이 아닌 응급의료 서비스 모델에 입각한 장기적 노력과 재원의 투입이 필요하며, 지역사회를 중심으로 대응 준비와 이의 활성화 전략 개발, 훈련과 연습. 교육에 노력을 부여해야 한다. 7. 현장의 1차 응급처치자에 대해서는 법적으로 명시하고 있는 역할이 없다. 한국에서는 응급구조사 1급과 2급에 대한 교육과 규정을 1995년 이후 응급의료에 관한 법률에서 정하고 있다. 이 교육과정은 미국이 정하고 있는 응급구조사 과정 기준과 유사하지만 실습실이나 현장에서의 실습시간이 절대적으로 부족하다. 덧붙여 승인된 응급구조사 교육 기관의 강사는 강사로서의 자격기준을 충족할 뿐 아니라 실습강사는 대체적으로 1주일의 1/2은 응급 구조차를 탑승하여 현장 활동을 끊임없이 하고 있으며, 실습은 시나리오 유형으로 진행된다. 그러므로 우리나라의 경우 응급 구조사가 현장 기술 인력으로 역할 할 수 있도록 교과과정 내에서 실습을 강화 시켜야하며, 졸업생은 인턴쉽을 통한 현장 능력을 배양시키는 것이 필요하다. 8. 간호사의 경우 응급전문간호사의 자격을 부여받게 됨에 따라, 이를 위한 표준 교육 지침을 개발함으로써 병원 전 처치와 재난시 대응할 수 있는 역량을 보완해야 한다. 또한 현 자격 부여 프로그램 내용을 고려하여 정규자격 간호사가 현장 1차 치료자(first responder)로 역할 할 수 있도록 간호학 교과과정을 부분 보완해야한다.

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A Study on Ecological Variables that Affect Runaway Youths at Risk in Preparation for a Independent Life - Centering on Youths at Shelters (가출위기청소년의 자립생활 준비에 영향을 미치는 생태 체계적 변인연구 - 쉼터 청소년을 중심으로 -)

  • Oh, Soo-Saing;Byun, Sang-Hae
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.7 no.2
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    • pp.195-205
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    • 2012
  • This study examines runaway youths at risk in a youths' shelter who are preparing for an independent life and both the facilitating and adverse factors to personal characteristics and independence of runaway youths at risk with the aim to grasp their recognition of independence and level of desire for it and find out necessary factors for a successful independence in multidimensional perspectives including the economic independence, educational independence, psychological independence, and social independence for their sound growth. This will provide the basis for desirable interventions for youths runaway youths at risk to prepare for an independent life. The findings of this study on the factors that affect the preparation for an independent life are as follows: First, as a result of analyzing the effect of micro-systematic factors on the preparation for an independent life, it turned out that problem-solving abilities and self-efficacy had influence on the preparation for a career Second, as a result of analyzing the effect of mesoscopic-systematic variables on the preparation for an independent life, it turned out that the preparation for a career were affected by whether to participate in independence preparation programs and institutional supports, and that career maturity of runaway youths at risk were affected only by the relationship with teachers and participation in independence preparation programs. Third, as a result of analyzing the effect of macro systematic variables on the preparation for an independent life, it turned out that the preparation for a career were affected by participation of the local community and service network, and that participation of the local community was an predictor variable that would affect a career maturity of runaway youths at risk. Fourth, as a result of analyzing ecological systematic variables that might affect the preparation for a career, it turned out that intervening variables and macro systematic variables had the most powerful influence on the preparation for a career among runaway youths at risk. It is necessary, therefore, to provide education programs organized by policies in order to develop problem-solving abilities and vocational capabilities so that runaway youths at risk, and to train and appoint more professional teachers at shelters. Programs for independence preparation need to be developed actively and practically in consideration of the characteristics of shelters, and the network with the local community for support also need to be established in utilization of the human resources and service programs of the community. With the understanding of leaving home of runaway youths at risk as the previous stage of an independence, there should be a housing support for their stable settlement in the perspective of housing welfare until become adults. In addition, there should be education specialized programs for occupation and careers to train runaway youths at risk as professionals including such areas as health, mentality, learning, and voluntary work for their sound growth.

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Activation of Sports Talent Cultivation for Elderly Sports Promotion (노인체육진흥을 위한 체육인재양성 활성화 방안)

  • Cho, Kyoung-Hwan
    • Journal of Korea Entertainment Industry Association
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    • v.15 no.4
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    • pp.167-186
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    • 2021
  • The purpose of this study was to present a new direction for sports talent cultivation, determine the sports talent cultivation status in various types of sports and relevant areas, and present specific plans for activating practical sports talent cultivation in the elderly population in an effort to cope with the rapid changes of times. For this purpose, literature review was performed to analyze the elderly sports and sports talent cultivation status, analyze the problems with elderly sports and sports talent cultivation and development tasks, and present the following comprehensive plan for cultivating elderly sports talent cultivation in pursuit of elderly sports promotion: First, it is necessary to become more competitive in education by developing various programs for convergent and combined elderly sports talent cultivation as well as by changing into a convergent and combined way of thinking in the organizational culture environment of sports. Second, it is necessary to build more career education infrastructures for elderly sports talent cultivation in the elderly sports and relevant departments. Career education may become an issue in every area, which means building comprehensive DBs for undergraduates and graduates. Third, it is necessary to give greater support to research and development in the entire area of elderly sports. This means implementing relevant projects efficiently through governance with the Ministry of Culture, Sports, and Tourism in charge of elderly sports policies, the Ministry of Health and Welfare, and professionals in the private sectors. Fourth, it is necessary to make comprehensive, systematic, and mid- and long-term strategies for cultivating sports talent at the governmental level. This means sports talent cultivation and search, career and employment, reeducation (competence reinforcement training), and job and employment stability in the areas of education, health, and welfare as well as sports. Fifth, it is necessary to operate a tentatively-called elderly health agency under the influence of the Office of the Prime Minister. This requires expansion and qualitative improvement of education on the basis of greater efficiency in preventing any overlapped task from wasting the budget through inter-department cooperation and positive partnership.

A Convergent and Combined Activation Plan for Exercise Rehabilitation in the Era of the Fourth Industrial Revolution (4차 산업혁명시대에 운동재활분야의 융·복합적 활성화 방안)

  • Cho, Kyoung-Hwan
    • Journal of Korea Entertainment Industry Association
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    • v.14 no.8
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    • pp.407-426
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    • 2020
  • The purpose of this study was to make convergent and combined analysis of the sport industry and exercise rehabilitation in the era of New Normal based on the Fourth Industrial Revolution and devise a comprehensive plan for future activation. For this purpose, literature review was performed mainly by analyzing the environment of the sport industry in the New Normal era based on the Fourth Industrial Revolution and by carrying out convergent and combined analysis of the sport industry to present a convergent and combined activation plan for exercise rehabilitation comprehensively as follows: First, it is necessary to make a strategy of promoting exercise rehabilitation in convergent and combined ways at the sport industry level. This means development of a convergent and combined exercise rehabilitation-tourism-ICT model as well as a convergent and combined exercise rehabilitation-ICT model through collaboration among ministries, including those of health and sports. Second, it is necessary to convert into a convergent and combined way of thinking and extend and reinforce educational competitiveness in the area of exercise rehabilitation. That is, it is necessary to refine the education and training systems for reinforcing personal ICT competence of exercise rehabilitation majors and relevant ones and provide convergent and combined business commencement education. Third, it is necessary to make different types of research and development by applying practical, convergent and combined skills based on the industrial field to exercise rehabilitation and relevant areas. Efforts should be made to overcome any risk in the era of New Normal and support business commencement with convergent and combined skills for exercise rehabilitation. Fourth, it is necessary to make mid- and long-term clusters where exercise rehabilitation and relevant businesses can be accumulated. This means building an industrial hub and complex for exercise rehabilitation and requires making an R&D-based cluster with industrial-academic-governmental collaboration, maximizing the synergy effects with local infrastructures, and fulfilling the function of realizing a spontaneous profit-generating structure.

Relationships among Emotional Leadership, Commitment, Patient Orientation, and Job Performance in Dental Hygienists (치과위생사의 감성리더십, 몰입도, 환자지향성과 직무성과의 관련성)

  • Kim, Yeon-Ju;Han, Gyeong-Soon
    • Journal of dental hygiene science
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    • v.15 no.5
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    • pp.551-559
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    • 2015
  • This study intended to search for measures to effectively improve and manage the job performance and personality of dental hygienists. In this study, the effects on job performance of the following variables were analyzed: emotional leadership, commitment, and patient-orientation. The subjects of the study were 328 dental hygienists who were working in a dental clinic and the assessment was made based on a self-administered questionnaire. T-test, one-way ANOVA, and Stepwise multiple regression were performed for analysis. The average of emotional leadership was 3.48 points, and commitment was 3.30 points. Also, the average of patient-orientation was 3.95 points and that of job performance was 3.39 points. Emotional leadership and commitment, as well as patient-orientation and job performance, showed positive correlation (p<0.001). The factor with the highest correlation with job performance was patient-orientation (${\beta}=0.306$), followed by the following: relationship management (${\beta}=0.209$); age (${\beta}=0.162$); self-awareness (${\beta}=0.139$); social-awareness (${\beta}=0.123$); and clinic type (${\beta}=0.101$). Based from the results of the study, there is a need to recognize the relationship among emotional leadership, commitment, and patient-orientation in connection with job performance.

Evaluating Local Economic Development Policy and Suggesting Some Policy Alternatives: the Case of Goryeong County, Korea (고령군의 지역경제 실태와 정책 과제)

  • Lee, Jong-Ho
    • Journal of the Korean association of regional geographers
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    • v.14 no.6
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    • pp.664-679
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    • 2008
  • This paper attempts to evaluate the local economy and the local economic development policy in Goryeong County and to propose some policy alternatives for local economic development. Goryeong County has a locational advantage, which is not just geographically proximate to Daegu, a large metropolis, but also connected directly to the national highway networks. This region can also be regarded as a rural area, in a sense that the primary industry still plays a more important role for the local economy than the secondary industry and the tertiary industry. However, it is problematic that the local economic development strategies of Goryeong are universal rather than strategic and systematic. In order to design an effective regional economic development policy, the policy makers are necessary to deliberately consider regional specificity and geo-political and geo-economic situations around the region. In addition, it is important to say that policy makers, particularly in rural regions, need to break from the fantasy of high-tech industries. In this context, I propose some region-specific and context-specific policy ideas, including the promotion of the agro-food cluster and the build-up of the em-industrial complexes specialized in mechatronics and transportation equipment manufacturing.

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A Study on Social Capital of Strategy Alignment to IT Govenance in Digital Libraries (디지털도서관의 IT 거버넌스를 위한 전략적 연계의 사회적 자본 분석 모형)

  • Lee, Jeong-Soo;Kim, Seong-Hee
    • Journal of the Korean Society for information Management
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    • v.26 no.3
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    • pp.295-316
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    • 2009
  • This research applied the concepts of IT architecture and IT governance for managing with an integrated computing environment and organized structure, which base a digital library's management and operation. It also aims to analyze the structural system between information technology of human resources and strategy alignment elements of business, which both constitute the core content. Social network analysis software was used to investigate the complicated relationship between IT and business-related strategy alignment elements. The following is the results of carrying out this research on the social network structure and features of strategy alignment elements for a digital library. First, analysis indexes for strategy alignment elements and social network of a digital library were developed. Second, an analysis model was designed based on the analysis index for social network as to strategy alignment elements. Analysis model was appraised by collecting social network datasets for such strategy alignment elements as Communications, Competency and Value, Governance, Partnership, Scope and Architecture, and Skills against the Business strategy, Information strategy, Business and Technology of a digital library. As for the content of analysis, social network structure and specific features were analyzed in relation to a digital library's (1) General social network, (2) Structure of strategy alignment elements, (3) Strategy fit and Functional integration.

A Plan for Introduction of New Performance-Enhancing Underwriting Technique (언더라이팅 기능 강화를 위한 신기법 도입방안)

  • Park, Sang-Jun
    • The Journal of the Korean life insurance medical association
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    • v.22
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    • pp.99-120
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    • 2003
  • 그 동안 지속적인 경제성장을 바탕으로 한국의 생명보험산업은 양적으로 성장하였다. 그러나 내면을 살펴보면 외형을 떠받칠 만큼 내실있게 성장했는지에 대해서는 많으 의구심을 갖게 한다. 현실적으로 경제성장을 바탕으로 한 외형성장은 한계를 맞을 수 밖에 없으며, 이제는 질적인 내실을 기하기 위해 그 동안 소홀히 했던 보함산업의 전반의 체질개선이 필요하다. IMF이후 경영이 부실한 보험사들이 퇴출되면서 전면적인 개편이 이루어졌고, 또한 보험사 내부에서도 전반적인 개혁의 필요성을 인식하여 여러 방면으로 방안을 구체화하고 있다. 본 논문은 이러한 상황하에서 생명보험산업의 기존 문제점 개선방안의 일환으로, 보험산업의 가장 핵심분야라 할 수 있는 언더라이팅 분야의 국내현황을 살펴보면서 보험선진국의 제도 및 운영현황과 비교 분석하여 부문별 문제점을 도출하고, 그에 따른 개선방안을 제안하게 되었으며, 본 논문에서 제시된 개선방안을 요약해 보면 다음과 같다. 첫째, 언더라이팅을 신속 정확하게 수행하고 도덕적 위험을 배제하기 위하여 개선된 정보교환시스템 제도를 구축해야 하며, 사정자료의 수집업무를 전문기관에게 아웃소싱함으로써 비용절감을 기하여야 한다. 이와 아울러 모집인의 전문성을 제고시켜 보험계약 청약서와 모집인 보고서가 정확하게 작성되도록 하고 언더라이팅 실적과 연계한 인센티브제도에 의하여 모집수당이 지급되도록 하여 언더라이팅이 효과적으로 수행되도록해야 할 것이다. 둘째, 언더라이팅기법의 선진화를 기함으로써 위험에 상응하는 보험료를 부가하여 위험에 노출되어 있는 가망고객의 보험가입율을 높이고, 보험사고 발생시 실질적인 보험혜택을 누리도록 하여야 한다. 이를 위한 실천방안으로 의적 직업적 재정적 언더라이팅 선진기법을 도입하여 각 부문의 역량을 강화해야 할 것이다. 특히 제도적으로 개인신용정보의 언더라이팅 활용이 제한되어 있는 현실에서 이를 법제도 내로 흡수하면서 개인의 사생활 유지라는 목적을 동시에 달성되도록 하는 재정적 언더라이팅 기법의 강화가 특히 중요하리라 생각된다. 아울러 언더라이팅 업무를 효과적 효율적 수행을 통해 일관성 있는 의사결정이 이루어질 수 있도록 지원하는 언더라이팅 시스템구축을 통해 정형화된 인수과정은 결정시스템화하고, 복잡한 위험의 경우 자문 시스템으로 운영하여 간단한 언더라이팅 업무는 구축된 시스템을 통해 즉각 해결함으로써 시간을 절약할 수 있고, 언더라이팅 인력은 보다 전문적인 부문에 집중하도록 해야 할 것이다. 마지막으로, 비표준위험시장의 활성화를 위해서는 현재의 제약조건인 생명보험 상품개발을 세트형에서 조립형으로 전환하고, 재보험으로 위험을 분산하여 비표준위험의 인수를 증대하여야 할 것이다. 이와 더불어 언더라이팅 과정에서 얻어진 피보험자의 사정자료를 활용하여 고객에게 필요한 의료정보 등을 제공함으로써, 피보험자와 유대관계를 돈독히 하여 기존계약이 계속 유지되도록 하며, 추가계약이 이루어지도록 해야 할 것이다. 이상과 같은 비표준위험의 언더라이팅 개선방안이 보다 효과적으로 수행되고 발전하기 위해서는 통계축적 및 관리, 전문 언더라이터 양성, 전산을 이용한 언더라이팅 확대 등이 이루어져야 하므로 향후 이에 대한 집중적인 연구가 있어야 할 것이다.

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