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Determinants of Insurance Products Cross-selling Performance : Focusing on Career Experience (직업경험을 중심으로 한 보험상품 교차판매 성과의 결정요인 분석)

  • Son, WooCheol;Kang, ShinAe
    • Journal of Service Research and Studies
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    • v.9 no.3
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    • pp.39-60
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    • 2019
  • The purpose of this study is to analyze the determinants of insurance product cross selling performance. For the study, 11 insurance managers and 2 sales managers belonging to A insurance agency were selected and in-depth interviews were conducted. The analysis of the research data was done by the open coding method suggested by Strauss & Corbin(2001). As a result, 84 concepts, 28 subcategories and 10 categories were derived. The ten categories that were determinants of insurance product cross-selling performance were personal characteristics, consultation method, cross-selling ratio, sales culture, education, customer change, customer DB provision, satisfaction, business support system, and customer service. In order to verify the qualitative results, quantitative analysis was emplyed to the actual performance data of insurance planners belonging to A insurance agency during April 2016~March 2019. As a result of the analysis, the age, position, and the number of months worked in the insurance company had a statistically significant effect on the number of life insurance contracts in total insurance contracts and life insurance contracts in total insurance contracts. In addition, the age, position, and the number of months worked in the insurance company had a statistically significant negative impact on the number of non-life insurance contracts in the total number of insurance contracts and the total amount of insurance contracts in total insurance contracts. The result of this study can be an important basic data for the development of educational programs and job support systems for the training of insurance planners. Insurance companies should refer to ten categories derived from qualitative research in order to increase the performance of insurance planners and to promote long-term service. Especially, it is necessary to develop specialized education programs and job support systems so that cross sales that increase the proportion of life insurance sales increase.

Evaluation of Effectiveness of Vegetable-related Nutrition Education for Elementary School Students (초등학생 대상 채소 관련 영양교육의 효과 평가)

  • Lee, Sun-Ok;Kim, Hyun-Ah
    • Journal of the Korean Society of Food Science and Nutrition
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    • v.42 no.5
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    • pp.713-720
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    • 2013
  • The purpose of this study was to evaluate the effectiveness of vegetable-related nutrition education for fourth grade elementary school students in Gyeongnam province. A comparative analysis of nutritional knowledge on vegetables, vegetable preferences, and vegetable intake in school foodservices were assessed between a control group and an experimental group. The control and experimental group contained 62 and 67 students, respectively, and the experimental group received nutritional education in four sessions (40 minutes each session) per week. A self-administered survey was conducted before and after this education, and 122 questionnaires (for 61 members of the experimental group and 61 members of control group) were analyzed. In the experimental group, there was a significant (p<0.001) increase in vegetable-related nutrition knowledge (form 5.02 to 6.10 out of a total score of 9), while there were no significant differences in the control group. Vegetable preference scores also significantly (p<0.001) increased (from 3.44 to 3.85 on the 5-point Likert scale) in experimental group, while there were no significant difference in control group. We also observed a significant (p<0.001) increase in vegetable intake from school foodservices (89.34% to 95.49%) in the experimental group, but there were no significant differences in the control group. In conclusion, a vegetable-related nutrition education for fourth grade elementary school students was effective at improving the nutritional knowledge of vegetables, vegetable preferences, and vegetable intake from school foodservices. Therefore, to encourage the vegetable-related right dietary habits, sustainable, and systematic nutrition education programs should be implemented for elementary students.

Water Quality Improvement with the Application of Filter-feeding Bivalve (Corbicula leana Prime) in a Eutrophic Lake (참재첩을 이용한 부영양호의 수질개선)

  • Kim, Ho-Sub;Park, Jung-Hwan;Kong, Dong-Soo;Hwang, Soon-Jin
    • Korean Journal of Ecology and Environment
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    • v.37 no.3 s.108
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    • pp.332-343
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    • 2004
  • This study was conducted to test a possibility of water quality improvement using a filter-feeding bivalve (Corbicula leana). In mesocosm scale (width ${\times}$ length ${\times}$ depth: 3 m ${\times}$ 3 m ${\times}$ 0.5 m), we investigated the changes of dissolved nutrient and particulate matter including both abiotic and biotic seston. Short term (16 days) mesocosm experiment was conducted in two stages: the first stage for 8 days and consecutive 8 days of the second stage. Both treatment and control mesocosm were switched over by translocating mussels from the treatment mesocosm to the control, at 8th days since the start of the experiment. This design made it possible to compare mussel effect on the water quality change more clearly. The high mortality of mussel was observed in the treatment of the first stage, but it decreased rapidly and stabilized on the 8th day to less than< 4 ind $day^{-1}$. Chl. a concentration in the treatment mesocosm of the first and second stage decreased to 71 and 88% of initial concentration, respectively, and suspended solids decreased to 70 and 77%. At those times, average filtering rate were 0.46 and 0.61 mL AFDW $mg^{-1}$ $hr^{-1}$, respectively. Both $NH_3-N$ and dissolved total phosphorus (DTP) concentrations increased with the mussel mortality. $NH_3-N$ concentration was positively correlated with the mussel mortality, while DTP concentration showed negative correlation with it. After translocating mussel from the treatment to the control, $NH_3-N$ concentration significantly increased compared with that of initial control. Although DTP concentration also increased, there was no significant difference relative to that of initial control. These results suggest that application of this filter-feeding bivalve in a eutrophic reservoir could be a potential tool to improve water quality if mussels could acclimatize successfully in early stage of the introduction.

A Historical and Archaeological Study on Gabong Taesil of King Dangjong in Joseon (조선 단종의 가봉태실에 대한 문헌·고고학적 검토)

  • Shim, Hyun Yong
    • Korean Journal of Heritage: History & Science
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    • v.45 no.3
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    • pp.80-99
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    • 2012
  • It is known that there are two Gabong taesil (shrine for King's umbilical cord) of King Danjong, the 6th king of Joseon, remaining today. One of them is Mt. Sogok in Sacheon-city, Gyeongsangnam-do and the other is Mt. Beomnim in Seongju-gun, Gyeongsangbuk-do. The academic sector argued about this matter as there cannot be two Gabong taesil for one king. I once argued that Taesil on Mt. Beomnim in Seongju is King Danjong's Gabong taesil and Danjong taesil in Sacheon is the one for Prince Inseongdaegun, the eldest son of King Yejong. At that time, however, I had not examined the archaeological relics found in these places. In result of making an archaeological approach, I have come to the following conclusions :1. King Danjong had two Taesil : Agi taesil(shrine for baby's umbilical cord) and Gabong taesil. The first Agi taesil was created on Taebong of Mt. Seonseok in Seongju on November 26, 1441, but was moved to Mt. Beomnim in Seongju in 1451 to form the second Agi taesil. In 1458, King Sejo eliminated his Taesil. The stone structures of Gabong taesil still remains on Taebong of Mt. Beomnim, so it has been assumed that King Danjong established them during his reign (1452-1455). 2. Taesil in Sacheon has been known as King Danjong's Taesil because of King Danjong's reinstatement during the reign of King Sukjong. His Taesil was repaired with the reinstatement and King Sukjong was mistaken that Taesil in Sacheon was King Danjong's Taesil to fix it. The time of restoration has been assumed to be soon after the restoration of King Danjong's tomb (1699-1719). Taesil is missing the book of records and rails around the stone structure because the tombs of reinstated kings were restored without rails. 3. It is incorrect that Taesil in Sacheon was known as King Danjong's Taesil, It has been concluded that this Taesil was for Prince Inseongdaegun who was born in 1462. I focused on the fact that Prince Inseongdaegun's Taesil was in Seosamneung Taesil instead of King Danjong's Taesil. When Yiwangjik stored King Danjong's Taesil in Seoul in 1928 and moved it to Seosamneung in 1930, he found that the epitaph on the tombstone recorded that it was Prince Inseongdaegun, not King Danjong, and created Prince Inseongdaegun's Taesil in Seosamneung. I referred to "Taebong", which was created when Seosamneung Taesil was built during the Japanese imperial rule over Joseon, and the relics found in Taesil in Sacheon and Seosamneung.

Patterns of Mother-of-Pearl Craftwork Sketches and the Way of Supply and Demand of the Works in Modern and Contemporary Times (근·현대 나전도안과 공예품의 수급(需給)형태 - 중요무형문화재 제10호 나전장 송방웅 소장 나전도안을 중심으로 -)

  • Lee, Yeon Jae
    • Korean Journal of Heritage: History & Science
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    • v.43 no.3
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    • pp.334-365
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    • 2010
  • Mother-of-Pearl craftwork sketch involves the whole process of making a piece of work. Therefore, it includes types, forms, sizes, and patterns of the work. Some information about when and by whom those works were manufactured and who ordered them are still found in some sketches. This paper seeks to find out popular types and patterns of the works in each period and its demand and the way of supply by examining the collection of approximately 1700 Mother-of-Pearl craftwork sketches from the period of Japanese colonization up to the present time, which are owned by Mr. Song Bang-wung, Important Intangible Cultural Heritage no.10. Typical patterns of sketches are the hua-jo(花鳥 : Flowers and Birds), the Sakunja(四君子 : Four Gracious Plants), cultural treasures, figures in folk tales, 'Su-bok(壽福)' characters, and landscape. The pattern sketches have changed according to the circumstances of Korean society. During the period of Japanese colonization from the 1920s to the 1940s the manufacture and the supply and demand of Mother-of-Pearl craftworks were controled by the Japanese government. As a result, many of the patterns were adjusted to the Japanese taste. Most of its customers were also Japanese. During the 1950s after Independence the American Military Forces appeared as new customers due to the Korean War. Thus, the traditional Korean patterns to decorate accessories adored by American soldiers gained popularity. Foreign Mother-of-Perls were imported from the late 1960s to the 1970s. They were bigger and more colorful than those of Korean and it enabled the sketches bigger and the patterns more various. The most popular pattern in this period was the pattern of cultural treasures, such as an image of Buddha, metalcraft works, porcelains and pagodas. In terms of a technique, new techniques, such as engraving and rusting were introduced. There was a great demand for Mother-of-Pearl craftworks in the 1970s as people were highly interested in them. They were entirely made to order and there was a large demand from diverse organizations, furniture dealers and individuals. And the Mother-of-Pearl craftwork was in full flourish in the 1970s due to the country's economic development and the growth of national income. Mass production of the works was possible and the professional designers who drew patterns actively worked in this period. The favor of Mother-of-Pearl craftworks declined in the 1980s since the built-in furniture and the Western style of furniture became prevalent due to the change of housing into apartments. But it seemed that the manufacture of Mother-of-Pearl craftworks revived for once the technique of Kunum-jil(끊음질 : cutting and attaching) became popular in Tong-young(統營). After the 1990s, however, the making of Mother-of-Pearl craftworks gradually declined as the need of them decreased. Now it barely maintains its existence by a few artisans.

Study on Picture Image and Change of the Four Devas of Sakyamuni Buddha paintings in the early Joseon Dynasty (조선 전기 석가설법도의 사천왕 도상과 배치형식 고찰)

  • Kim, Kyungmi
    • Korean Journal of Heritage: History & Science
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    • v.48 no.1
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    • pp.4-23
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    • 2015
  • In the Buddhist paintings of the four devas, there is a change in the paper material of V aisravana(多聞天) in the early Joseon Dynasty. Until Goryeo Dynasty, Damuncheonwang, who holds a tower(塔) on the right side of Buddha was changed to the form which holds a mandolin(琵琶) in the early Joseon Dynasty. This change was first checked in Byeonsangdo in the Yuan period "The Avatamska Sutra(大方廣佛華嚴經, 1330~1336)", however the actual paper material change in the Buddhist painting is found first as a mural at the Tibetan temples, Cheolbangsa(哲蚌寺), Odunsa(吳屯寺), Baekgeosa(白居寺), which showed the change of tower which Vaisravaṇa held into mongoose. In Joseon Dynasty, also, new distribution of the four devas appeared first, which showed the change of paper material in the first floor roof-stones of Wongaksaji sipcheung seoktap, . However, the position of the four devas which held a tower and a mandolin consistently appear in the Buddhist paintings in the early Joseon Dynasty by mixing on the left and the right. This means the possibility that the paper material and the position of the four devas might be flexible in the early Joseon Dynasty. Just like reflecting this, painting image of the four devas in illustration of "saddharma-pundari-ka-$s{\bar{u}}tra$(Ming 1432, National Museum of Korea)" and illustration of "Jebulsejonyeorae-bosaljonjamyeongching-gagok(제불세존여래 보살존자명칭가곡, 1417)" has opposite position from each other. Therefore, the phenomenon in the Buddhist paintings of the early Joseon had a transitional characteristic which did not secure the fixed form of painting image by illustration of two copies where paper materials of the four devas were different, which characteristic can be said to be the characteristic of art in the transitional period.

Wetland Habitat Assessement Utilizing TDI(Trophic Diatom Index) (부착돌말영양지수(TDI)를 활용한 습지환경 평가)

  • Kim, Seong-Ki;Choi, Jong-Yun
    • Korean Journal of Environment and Ecology
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    • v.33 no.5
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    • pp.525-538
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    • 2019
  • The purpose of this study was to analyze the habitat status and species diversity of benthic diatoms and estimate the applicability of TDI (Trophic Diatom Index) to obtain the basic data for the identification and management of created wetlands in the Nakdong River. We observed a total of 38 families and 173 species of benthic diatom during the survey period, and spring and autumn showed a similar number of species of 156 and 154, respectively. The result of the SOM (Self-Organizing Map) analysis showed that the distribution of benthic diatom was sensitive to environmental factors such as nutrient concentration and rainfall in each wetland. The cluster 1 was characterized by the survey sites of autumn mostly and consisted of points of high TDI, although the nutrients such as total phosphorus and total nitrogen were low, and the species number and abundance of diatoms were low. Conversely, cluster 4 was characterized by the survey sites of spring mostly and consisted of points of low TDI, even though total nitrogen was high. Considering that most of the created wetlands had the reduced inflow and outflow, the increased flow rate in the summer lowers nutrient values in autumn, and the species number and abundance of benthic diatom decreases due to the increase of turbidity, which reduces the light penetrations to the substrates. On the contrary, the TDI value is low in spring because the low water level causes insufficient substrate surface to the benthic diatoms, and it is too early for the establishment and development of saprophilous species. Although various studies have used TDI as an indicator for evaluating the habitat environment and water quality, it is not a good evaluation indicator in this study since the nutrient concentration in the wetlands mostly high as they have a low flow rate and are close to the stagnant area. Nevertheless, additional periodic surveys that comprehensively reflect the fact that the summer rainfall and inflow/outflow regulating function might affect the species diversity and distribution of benthic diatoms are necessary.

Influence of Environmental Characteristics on the Community Structure of Benthic Macroinvertebrates in Stream-type Waterways Constructed at Upper Reaches of Guem River (금강 상류 구간 내 샛강형 수로의 서식환경 특성이 저서성 대형무척추동물 군집 구조에 미치는 영향)

  • Son, Se-Hwan;Choi, Jong-Yun
    • Korean Journal of Ecology and Environment
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    • v.54 no.1
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    • pp.24-38
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    • 2021
  • Microhabitat In the upper stream is created by various environment variables such as the bottom substrate and the physicochemical factors, and may influence the distribution of benthic macroinvertebrates. We investigated the bottom substrate and environmental variables influencing the distribution of benthic macroinvertebrate in 26 stream-type waterways established at upper reaches of Geum River. During study period, total 85 families, 160 species, 9305 individuals of benthic macroinvertebrates were recorded. The stream-type waterways, where the bottom substrates consist mainly of pebble (16~64 mm) and cobble (64~256 mm) or with rapid water velocity (more than 0.2 m/s) and high dissolved oxygen (more than 120%), were supported by high species diversity of benthic macroinvertebrate. Hierological cluster analysis and the nonparametric multidimensional scale (NMDS) divided 26 stream-type waterways into a total of three clusters. In Cluster 1, the invertebrate species, such as Branchiura sowerbyi, Cloeon dipterum, Ischnura asiatica, Paracercion calamorum, and Radix auricularia, closely related to aquatic macrophytes, and Chironomidae spp., Limnodrilus gotoi, and Tanypodinae sp. were abundant in waterways, with high coverage of silt and clay as well as high turbidity and total nitrogen. The benthic macroinvertebrate species (Cheumatopsyche brevilineata, Drunella ishiyamana, Dugesia japonica, Ephemera orientalis, Gumaga KUa, Macrostemum radiatum, Potamanthus formosus, Semisulcospira libertine, Stenelmis vulgaris, and Teloganopsis punctisetae) included in Cluster 2 were dominated in sites with high cover rates of pebble and gravel. Cluster 3 was predominantly covered by the Cobbles, was supported by Simulium sp. Such a clear distinction in the study sites means that each stream-type waterways is governed by a clear habitat environment. In the case of some sites with low species diversity, improvement measures are required to restore nature, such as improving the function of inflows and outflows, creating meandering channel, and inducing the settlement of littoral vegetation.

The Status, Problems and Countermeasure of Direct Rice Seeding in Honam Province - On Weed control - (호남지방(湖南地方) 직파재배(直播栽培)의 현황(現況), 문제점(問題點) 및 대책(對策) - 잡초방제적(雜草防除的) 측면(側面)에서 -)

  • Ryang, Hwan-Seung;Kim, Jong-Seog
    • Korean Journal of Weed Science
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    • v.12 no.3
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    • pp.271-291
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    • 1992
  • This study was conducted to survey the situation of direct rice seeding in Honam province in Korea to investigate problems and seek countermeasure of weed control in direct rice seeding. The total area of direct rice seeding in the south-western part of Korea (Chonbuk, Chonnam, and Chungnam) was 1650.8ha (732.1ha for direct seeding in dry field and 918.7ha for direct seeding in flooding field) in 1992. The followings are summary of the study. 1. In case of direct rice seeding in dry field, butachlor EC and G at 3 to 5 DAS was mostly selected by farmers to control weeds in dry field. Benthiocarb or chlornitrofen was also used in few cases. At 10 to 14 DAS just before rice emergence, tank misture of butachlor EC and paraquat was treated by some farmers. At 35 to 40 days, after flooding mixture of sulfonylurea derivatives was sequentially applied. Surviving weeds including barnyardgrass were finally controlled by mixture of bentazon+quinclorac WP foliage application. 2. In case of direct rice seeding in flooding field, weed control were mostly unsuccessful partially due to wrong selection of herbicide and missing the optimum application time. Three relatively successful weed control in the survey were summarized as follows. 1) Oxadiazon EC, butachlor or benthiocarb were treated just after puddling(5 to 7 days before seeding). then mixture of bentazone+quinclorac WP or sulfonylurea derivatives was sequently applied to control remaining weeds at 20 days after seeding. 2) Mixtures of bensulfuronmethyl+dimepiperate G, pyrazosulfuronethyl+molinate G, or bensulfuronmethyl+mefenacet+dymron G were applied at 11 days after puddling when barnyardgrass were at 2.0 leaf stage. Phytotoxicity was not found in case of mixture of bensulfuronmethyl+dimepiperate G but found in the other two cases but disappeared later. 3) Mixtures of bensulfuronmethyl+quinclorac G., pyrazosulfuronethyl+quinclorac G or betazone and quinclorac G were treated after 18 to 20 days after puddling when barnyardgrass was within 3.0 leaf stage. It showed good weed control in both annuals and perrenials without phytotoxicity. On the contrary, other sulfonylurea derivatives such as middle periodic herbicide showed poor weed control against barnyardgrass, so that sequential treatment of bentazone+quinclorac WP mixture was required. 3. Herbicidal characteristics and optimum application time of 45 rigistered herbicides in Korea were analyzed to discover new substitute for quinclorac mixture, that showed excellent weed control against barnyardgrass at its 3 leaf stage or older. The analysis revealed that 70% of herbicides were for preemergence and the others were post periodic herbicide. Most farmers favor to apply herbicide when rice seedlings completely rooted, at this time barnyardgrass are at 2.5-3.0 leaf stage. Therefore herbicide of which optimum application time had long is required. In this study. 6 middle periodic herbicides among sulfonylurea derivatives and 2 quinclorac mixture were selected and evaluated their weeding spectrums at different leaf stage of barnyardgrass in both soil application in flooding condition and foliage application in dry paddy field. The order of weeding spectrum in magnitude was as follows : bentazone+quinclorac WP> bentazone + quinclorac G>bensulfuronmethyl + quinclorac G>pyrazosulfuronethyl + quinclorac G> pyrazosulfuronethyl + Molinate G>bensulfuronmethyl + mefenacet + dymron G>bensulfuronmethyl + mefenacet G>bensulfuron methyl+benthiocarb G. The above results coincided with that of the survey. In conclusion, there is no proper substitute for quinclorac mixrure, which can control barnyardgrass at 3.0 leaf stage or even older. Therefore quinclorac should be supplied continuously to farmers in order to anchor direct rice seeding in Korea. Author suggested the followings to eastablish direct rice seeding technology effectively and quickly : 1) A tentatively named "The research committee for direct rice seeding" which was composed of farmers. researchers and goberment. should be eastablished to cooperate effectively. 2) Development of a pricise direct rice seeding machine for both dry and flooding paddy field. which is workable regardless of condition and varieties of seeds. 3) Study on protecting rice seed and seedling from sparrows. 4) Systematic studies of weed control techniques in direct rice seeding to standardize herbicide application. 5) Studies on farm-land reformation. techniques of precise land preparation. and direct rice seeding using an airplane.

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