• The Journal of the Korean life insurance medical association
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• v.24
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• pp.79-96
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• 2005

1. 연구배경과 문제제기 - 보험시장의 환경변화 : 보험업법 개정, 방카슈랑스 도입, 고(高)보장성 생존급부(CI, LTC)상품의 등장, 통신판매 전문보험회사의 설립 허용 - 현행 언더라이팅 시스템의 문제점 : 위험난이도와 판매 채널별 특성이 고려되지 않고 언더라이터에 전건 배정 되어 업무의 효율성이 낮음 - 보험시장의 환경변화에 맞는 EUS(Expert Underwriting System) 도입으로 언더라이팅의 효율성을 증대하고자함 2. 국내/외 생보사 언더라이팅 시스템 현황 비교 및 개선방안 - 국내 언더라이팅 시스템 현황 : 청약서 입력/스캔 후 진단 및 적부 유무(有無)에 따라 자동으로 언더라이터에게 심사가 배정됨 - 미국 언더라이팅 시스템 현황 : EUS에 의한 1차 전산승낙여부 결정 후(後)언더라이터에게 심사가 배정됨 - 위험난이도의 고저(高低)와 관계없이 언더라이터에 배정되는 심사시스템의 문제점을 극복하고 체계적인 위험평가를 위해 EUS도입이 필요함 3. EUS 선행요건 - 고객정보의 확보 - 국내 생보사의 고객정보 수집원 : 청약서, 모집인 보고서, 건강진단서,적부조사, 보험사고정보조회시스템 (ICPS), 고액보험 및 상해보험 중복가입자에 대한 정보 교환제도 - 북미 생보사의 고객정보 수집원 : 청약서, 모집인 보고서, 의사소견서 및 진료기록서, 건강검진, 적부조사, 정보교환제도( 북미보험사간 의료정보 공유-MIB) - 정확한 고객정보의 확보방안 : 법률/제도의 정비, 청약서 질문 내용의 세분화, 의료정보교환제도의 구축 4. EUS 개요 및 현황 - EUS의 정의: 고객의 정보를 입력하여 청약부터 보험증권 발행 단계까지 One-Stop 서비스를 제공하는 것으로 언더라이터가 청약서를 가지고 언더라이팅 하는 것과 동일한 업무를 할 수 있는 전문가 시스템 - EUS의 장점: (1) 비용절감 및 인력의 효율적 활용 (2) 업무별 시스템화 되는 조직속성에 적합함. (3) 언더라이팅 정책이 경영 환경 변화에 대처하는데 신속함 - 국외 EUS 현황 (예: Cologne Re) 및 사례연구 5. 위험분류 및 EUS 개요현황 (언더라이팅 시스템 도입) - 위험관리 선행요건으로 위험요소별 분류가 체계적으로 수립되어야 함. - 데이터웨어하우스 (의사결정을 목적으로 설계된 조회와 분석이 가능한 통합된 정보저장소) 시스템 사용 - EUS 도입을 통한 언더라이팅 프로세스: 데이터마이닝 과정을 통해 "자동승낙, 언더라이터에게 심사배정, 적부의뢰, 진단의뢰, 텔레 언더라이터, 보완지시"등이 결정됨. 6. 판매채널별 EUS 활용방안 - 대면채널: 효용성 높은 정보제공과 정확한 위험분석이 가능한 시스템으로 고(高)보장, 고(高)위험 상품에 대해 언더라이터가 집중 심사 할 수 있게 함. - 방카슈랑스: 3S(간결, 신속, 서비스)의 특성에 맞는 전과정 무인자동심사시스템 - 비대면채널: 판매상품과 타겟시장을 명확히 한 후 도덕적 위험과 재무적 위험에 대한 평가시스템 및 의사결정 시스템을 도입 7. 결론 - EUS 도입의 기대효과 (1) 심사기일의 단축으로 고객만족 실현 (2) 체계적 과학적 리스크 관리로 위험률차익 증대에 기여 (3) 업무효율의 증대와 언더라이터의 역량강화 (4) CRM 활용증대와 모바일 청약시스템 구축의 근간 - EUS 도입시 경제적 법률적 제도적 문제 극복과 생보 업계 공동의 관심과 노력이 필요함 - EUS를 활용하여 종합적.체계적 리스크 관리가 가능한 금융회사로의 경쟁력 향상에 기여함.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.26 no.2B
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• pp.187-195
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• 2006

A bridge scour management system is developed to evaluate the vulnerability of bridge piers to scour and to help establish effective disaster measures, taking into account the locality and scour characteristics in Korea. This system is programmed using the techniques of the geographical information system(GIS) for the storage, retrieval, and display of information regarding to bridge scour. The system functions are basically divided into two parts; prioritization and maintenance. Bridges are initially screened and prioritized for bridge scour inspection and evaluation using the basic information which is obtained from the office review. The bridge scour evaluation including site investigation is performed and the vulnerability of bridge piers is categorized into six groups taking into account the local scour depth, foundation bearing capacity, foundation type, foundation depth, and present scour condition. The system tabulates and plots all the data and the results.

• Journal of Navigation and Port Research
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• v.38 no.2
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• pp.141-146
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• 2014

NIR(New Inspection Regime, hereinafter NIR) relating to the PSC(Port State Contorl, hereinafter PSC) has implemented in Asia-Pacific region under Tokyo-MOU from last January 2014. The most noticable difference between NIR and existing TF(Target Factor, hereinafter TF) is to evaluate company performance and to conduct PSC with flexible inspection interval on the basis of Ship Risk Profile; High Risk Ship, Standard Risk Ship and Low Risk Ship. Particularly deficiencies related to ISM Code, more than 5 deficiencies and detention record have a serious effect on the evaluation of Ship Risk Profile. Therefore ship and company are requested to ensure proper implementation of Safety Management System for the changed PSC tendency. Also RO(Recognized Organization, hereinafter RO) and Administration respectively should take suitable actions different to previous measures, such as implementation of cooperation and support system between vessel and company, changing subject and object for avoiding Mannerism in SMS audit, strengthening supervision on RO by Administration and establishment of private-public Partnership network.

• Journal of Korea Water Resources Association
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• v.55 no.8
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• pp.589-601
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• 2022

Although drought is a natural phenomenon, its damage occurs in combination with regional physical and social factors. Especially, related to the supply and demand of various waters, drought causes great socio-economic damage. Even meteorological droughts occur with similar severity, its impact varies depending on the regional characteristics and water supply system. Therefore, this study assessed regional drought risk considering regional socio-economic factors and water supply system. Drought hazard was assessed by grading the joint drought management index (JDMI) which represents water shortage. Drought vulnerability was assessed by weighted averaging 10 socio-economic factors using Entropy, Principal Component Analysis (PCA), and Gaussian Mixture Model (GMM). Drought response capacity that represents regional water supply factors was assessed by employing Bayesian networks. Drought risk was determined by multiplying a cubic root of the hazard, vulnerability, and response capacity. For the drought hazard meaning the possibility of failure to supply water, Goesan-gun was the highest at 0.81. For the drought vulnerability, Daejeon was most vulnerable at 0.61. Considering the regional water supply system, Sejong had the lowest drought response capacity. Finally, the drought risk was the highest in Cheongju-si. This study identified the regional drought risk and vulnerable causes of drought, which is useful in preparing drought mitigation policy considering the regional characteristics in the future.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.19 no.12
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• pp.863-871
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• 2018

Existing vulnerability analysis tools are prone to missed detections, incorrect detections, and over-detection, which reduces accuracy. In this paper, cross-checking based on a vulnerability detection method using static and dynamic analysis is proposed, which develops and manages safe applications and can resolve and analyze these problems. Risks due to vulnerabilities are computed, and an intelligent vulnerability detection technique is used to improve accuracy and evaluate risks under the final version of the application. This helps the development and execution of safe applications. Through incorporation of tools that use static analysis and dynamic analysis techniques, our proposed technique overcomes weak points at each stage, and improves the accuracy of vulnerability detection. Existing vulnerability risk-evaluation systems only evaluate self-risks, whereas our proposed vulnerability risk-evaluation system reflects the vulnerability of self-risk and the detection accuracy in a complex fashion to evaluate relative. Our proposed technique compares and analyzes existing analysis tools, such as lists for detections and detection accuracy based on the top 10 items of SANS at CWE. Quantitative evaluation systems for existing vulnerability risks and the proposed application's vulnerability risks are compared and analyzed. We developed a prototype analysis tool using our technique to test the application's vulnerability detection ability, and to show that our proposed technique is superior to existing ones.

• Journal of the Korean Institute of Gas
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• v.22 no.6
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• pp.129-135
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• 2018

For efficiently safety management of city gas pipelines, the City-gas Pipeline Management System(CPMS) has been developed to systematically manage and analyze the data collected from 33 city gas companies and to effectively perform internal and external affairs related to gas safety management. The piping information data uploaded to the CPMS is ranked the risk according to the criteria specified in the KGS Code, and the safety management of the piping has performed close inspection according to the risk ranking. However, the criteria for deriving the risk ranking is very simple and lacks relevant grounds, and the reliability for the determination of the close inspection pipeline is no high due to the redundant rank. Therefore, we developed a risk assessment program based on the Reliability Based Design Assessment(RBDA) methodology and tried to derive a reasonable risk ranking by linking it with the CPMS system.

• Journal of the Korea Institute of Building Construction
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• v.17 no.3
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• pp.287-294
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• 2017

Recently the construction project is becoming large-sized, complicated, and modernize. This has increased the uncertainty of construction risk. Therefore, studies should be followed regarding scientifically identifying the risk factors, quantifying the frequency and severity of risk factors in order to develop a model that can quantitatively evaluate and manage the risk for response the increased risk in construction. To address the problem, this study analyze the probability distribution of risk causes, the probability of occurrence and frequency of the specific risk level through Monte Carlo simulation method based on the accident data caused at construction sites. In the end, this study derives quantitative analysis by analyzing the amount of risk and probability distributions of accident causes. The results of this study will be a basis for future quantitative risk management models and risk management research.

• Land and Housing Review
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• v.15 no.2
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• pp.125-137
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• 2024

A conventional Design for Safety (DfS), introduced to eliminate potential hazards in the design phase proactively, has encountered persistent challenges, such as perfunctory risk assessments and hazard identifications based on 2D drawings and inefficient workflow processes. This study proposes a BIM-based approach to Design for Safety (DfS) to address the limitations of conventional methods, aiming to enhance efficiency and achieve practical safety management benefits. The proposed workflow process for BIM-based DfS has been refined and validated for on-site applicability through various case studies, including risk assessments during the design phase and field applications for safety management activities during the construction phase. Specifically, the critical process of risk assessment within the DfS methodology has also been transitioned to a BIM-based approach. This BIM-based risk assessment process has been evaluated through case studies, encompassing safety reviews for structural design, construction equipment operation, and construction methodology with sequence in design projects. Additionally, the proposed BIM-based DfS has demonstrated exceptional on-site applicability and efficiency, as validated by the application of a BIM deliverable embedded in DfS information for CDE-based daily activity briefing, VR-based safety training, AR-based mitigation measures inspections, and other safety management activities in the construction phase.

• Proceedings of the Safety Management and Science Conference
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• 2003.11a
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• pp.15-20
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• 2003

본 연구에서는 계절별 기후인자를 고려하여 정성적 및 정량적 위험성 평가를 실시하여 사고 시나리오를 설정하였고, 비용-편익분석을 실시하여 사고 시나리오별 안전관리 비의 효율을 분석하였다. 그 결과, 최악의 시나리오는 비정상조업에서 유지보수 오류이었고, 가능성 있는 시나리오는 HAZOP 구간#4에서 발생되는 가스 누출사고이었으며, 각 사고 시나리오에서 전체 안전관리 투자비에 대한 편익/비용은 0.043과 0.13이었다. 이때 각 사고 시나리오에서 비용 효과적인 안전관리 항목을 평가할 수 있었다.

• Journal of Korean Tunnelling and Underground Space Association
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• v.23 no.6
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• pp.559-575
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• 2021

Due to the increase in ground excavation work, the possibility of ground subsidence accidents is increasing. And it is very difficult to prevent these risk fundamentally through institutional reinforcement such as the special law for underground safety management. As for the various cases of urban ground excavation practice, the ground subsidence behavior characteristics which is predicted using various information before excavation showed a considerable difference that could not be ignored compared to the results real construction data. Changes in site conditions such as seasonal differences in design and construction period, changes in construction methods depending on the site conditions and long-term construction suspension due to various reasons could be considered as the main causes. As the countermeasures, the safety management system through various construction information is introduced, but there is still no suitable system which can predict the effect of excavation and risk assessment. In this study, a web-based system was developed in order to predict the degree of impact on the ground subsidence and surrounding structures in advance before ground excavation and evaluate the risk in the design and construction of urban ground excavation projects. A system was built using time series analysis technique that can predict the current and future behavior characteristics such as ground water level and settlement based on past field construction records with field monitoring data. It was presented as a geotechnical data visualization (GDV) technology for risk reduction and disaster management based on web-based system, Using this newly developed web-based assessment system, it is possible to predict ground excavation impact prediction and risk assessment.