• The Journal of the Korean life insurance medical association
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• v.19
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• pp.109-117
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• 2000

연구배경 : 3대 특정질병 진단보험금지급의 양상과 경향을 평가하고자 하였다. 방법 : 1997년 7월${\sim}$1999년 3월까지 당사의 한 건강보험가입자 중 1998년 1월${\sim}$1999년 9월 기간동안 당사 약관상의 정의에 의한 악성종양, 급성심근경색증, 뇌졸중으로 진단보험금이 지불된 총 411건에 대해 조사하였다. 결과 : 3대 특정질병 진단보험금 지급건 총 411건의 구성을 보면 악성종양이 290건(70.6%), 급성심근경색이 25건(6.1%) 그리고 뇌졸중이 96건(23.3%)이었다. 남녀비율은 남자 280건(68.1%), 여자 131건(31.9%)이었다. 3대 특정질병 진단급여금 지급건의 평균연령은 $3.88{\pm}5.9$이었다. 3대 특정질병 진단보험금 지불건은 $30{\sim}39$세 연령대에서 187건(45.4%)으로 가장 많았고, 그 다음으로 $40{\sim}49$세 연령대 178건(43.2%)의 순이었다. 계약시점에서 3대 특정질병 진단보험금 지급 시까지 평균진단확정 기간은 325.2일${\pm}$184.9일 이었다. 계약 후 12개월 내에 진단지급보험금 발생건은 총 193건(55.3%)이었고, 12개월 이후에 지급된 건은 156건(44.7%)이었다. 계약 후 12개월 내에 진단지금보험금 발생건 193건을 분석하여 보면 3개월 이상${\sim}$4개월 미만이 40건(20.7%)로 가장 많았다. 악성종양의 신체계통별로 보면 소화기관>유방>여자생식기>호흡기계 순이었다. 악성종양을 장기별로 보면 위암>유방암>간암 및 담도계암>결장암과 직장암, 자궁경부암의 순이었다. 남자의 경우 위암>간암 및 담도계암>결장암과 직장암의 순이었고 여자의 경우 유방암>자궁경부암(상피내암 제외)>결장암, 직장암의 순이었다. 뇌졸중의 종류별 빈도를 보면 뇌경색증(47.9%)>뇌내출혈(34.4%)>거미막하출혈(9.4%)의 순이었다. 결론 : 3대 특정질병 중 악성종양이 다수를 차지하고 있었고, 남자가 여자보다 훨씬 많았고 주로 $30{\sim}39$세 연령대, $40{\sim}49$세 연령대였다. 계약 후 12개월 내에 진단지급보험금 발생건을 분석하여 보면 3개월 이상${\sim}$4개월 미만이 40건(20.7%)으로 가장 많았다는 것은 역선택의 가능성 그리고 제척기간 중 발생한 3대 특정질환이 3개월 이후 특히 3개월 이상${\sim}$4개월 미만 사이에 지급청구되었을 가능성을 시사하는 것으로 사료된다.

• The Korean Journal of Applied Statistics
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• v.26 no.3
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• pp.531-547
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• 2013

Multiple life models are useful in multiple life insurance and multiple life annuities when the payment times of benets in these insurance products are contingent on the future life times of at least two people. A reverse mortgage is an annuity whose monthly payments terminate at the death time of the last survivor; however, actuaries have used female life table to calculate monthly payments of a reverse mortgage. This approach may overestimate monthly payments. This paper suggests a last-survivor life table rather than a female life table to avoid the overestimation of monthly payments. Next, this paper derives the distribution of the future life time of last survivor, and calculates the expected life times of male, female and last survivor. This paper calculates principal limits and monthly payments in cases of male life table, female life table and last-survivor life table, respectively. Some numerical examples are discussed.

• Korean Journal of Social Welfare
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• v.39
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• pp.5-40
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• 1999

Little is known about unemployment duration and re-employment pattern. This paper empirically examines unemployment duration and re-employment pattern using data by the 1998 national survey about the unemployed and their needs. A parametric survival model(Weibull model) is adopted to identify variables predicting unemployment duration. It is found that the data including people without unemployment insurance as well as people with unemployment insurance fit the Weibull model including the hazard distribution that the hazard of reemployment is increasing at an decreasing rate. Variables that affect unemployment duration are age, householdership, family income, size of prior employment organization, and cause of unemployment. In re-employment pattern, statistically significant variables are age, type of prior employment industry, prior employment pattern, and membership in unemployment insurance. This paper provides a basic knowledge about realities of unemployed individuals in the economic crisis period of Korea, identifies research areas for further research, and develops policy implications for the unemployed.

• The Sea:JOURNAL OF THE KOREAN SOCIETY OF OCEANOGRAPHY
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• v.13 no.4
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• pp.342-347
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• 2008

Mortality and growth rate of the soft coral, Dendronephthya gigantea, from Jejudo Island on the southern coast of Korea were investigated from February 2003 to October 2004 using SCUBA diving. 48 individuals with variable sizes of D. gigantea of the depth of 15m were tagged with flagging tapes and plastic films, and then monitored with two month intervals. The average mortality of two-month term for the study period was 50.4%, with the peak of 84.6% during the summer storms in August - October 2003. About the size class mortality, individuals of size class I(${\leq}$10 cm) showed the highest mortality, followed by size class III(>20 cm) and size class II(10 cm-20 cm). Growth rate did not show a seasonal pattern. For growth in length, individuals of D. gigantea grew about 3cm in average for two-month period, with a maximum growth of 6.4 cm which occurred in August - October 2003. For growth in diameter, individuals grew about 0.3 cm for 2 month term, with a maximum of 1.4cm in April - June 2004. Individuals of size class I usually grew faster than those of larger size classes. D. gigantea population in Jejudo Island was strongly affected by summer storms, which was due to annual event of summer typhoon. Never the less, it appears that the local population can be maintained by fast growth of the juvenile stage and active recruitment to compensate the high mortality caused by the summer disturbance.

• The Journal of Korean Institute of Electromagnetic Engineering and Science
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• v.15 no.10 s.89
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• pp.969-976
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• 2004

The wide and growing use of cellular phones has raised the question about the possible health risks associated with radio-frequency electromagnetic fields. It would be helpful for phone users to blow the exposure levels during cellular phone use. But it is very difficult to recognize the amount of exposure, because measuring accurate level of RF is a difficult matter. In this study, we developed a model to estimate the exposure level and the individual risk of exposure by utilizing the available informations that we can get. We used such parameters as usage time a day, total using period, distance between cellular phone and head, slope of cellular phone, hands-free usage, antenna pulled out or not SAR(Specific Absorption Rate) of cellular phone, and flip or folder type. We proposed a model presenting individual risk of RF exposure from level 0 to 10 by using a neural network.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.11 no.5
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• pp.1897-1904
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• 2010

The administration data of the national health insurance and health insurance bills were utilized in this study. The data of 432,915 patients who were at the age of 30 and up and used the out-patient departments of every medical institution located in some regions involving two southern and northern provinces once or more during a 184-day period from July to December. As a result of analyzing their prescription compliance and factors affecting it, the following findings were given: The average rate of the prescription compliance of the patients stood at 61.5 percent. It denoted that they were prescribed to take medicine for approximately 113 days during the six-month(184 days) period of time, and the rate of the patients who complied with the prescriptions just stood at 13.0 percent. They used out-patient department for 4.3 days on the average due to hypertension and they visited 1.1 medical institutions on the average. 94.9 percent just used a medical institution. The largest group (11.6%) suffered from diabetes as co-morbidity, and 23.3 percent of the hypertensives had co-morbidity. Concerning the relationship between their characteristics and prescription compliance, those who were male, who were beneficiaries of the national health insurance, who mainly used general hospitals and who suffered from co-morbidity complied better with the prescription they got. Their prescription compliance got better at the age of 65 to 74 and got worse afterwards. As for factors affecting their prescription compliance, the patients who were male, who were aged between 55 and 64 and who were beneficiaries of the national health insurance, who mainly used specialized general hospitals, general hospitals and public health centers and who had heart diseases and diabetes as co-morbidity complied better with the prescriptions. The above-mentioned findings of the study suggested that it's needed to make a factor analysis of the poor prescription compliance of patients from diverse angles, and that existing hypertension care plans should carefully be reviewed to improve the prescription compliance of patients and to find a feasible alternative. As hypertensives are easily likely to develop co-morbidity like diabetes, systematic health education should be provided for them to get into the right life habits such as taking low-salt meals or quitting smoking. In addition, the development of health care programs is required.

• Journal of Aquaculture
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• v.14 no.4
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• pp.213-220
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• 2001

To study the effect of salinity on maturation and spawning, two series of experiments were carried out during November, 1998- July, 1999 and January, 1999- March 2000. In the first series, the control group (C) was reared at 14.3$^{\circ}C$ and 35.1$\textperthousand$ S, but the experimental group was reared at 33.8$\textperthousand$ S. In the second series, they were also exposed to approximately the same temperature but the experimental group was reared at still lowered salinity of 2p.6$\textperthousand$. Survival, food intake and growth of the experimental groups in either series reared at lower salinities were higher than those of their respective control groups. At lower salinity, larger number of females attained spontaneous sexual maturity and successfully spawned. Hatching success of the eggs spawned by the experimental females reared at lower salinities was also higher (54-56$\textperthousand$) than that (~19%) of the control group reared at higher salinity.

• Journal of Intelligence and Information Systems
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• v.29 no.4
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• pp.51-68
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• 2023

With the emergence of the internet and the increasing use of online communities for over 20 years, the age range of users has also been rising. This study explores the linguistic changes that have occurred as the user age in online communities has increased. To do this, data was collected and analyzed from an online community that has been actively operating, despite new member registrations being closed nine years ago. By comparing the posts over an 11-year period from 2012 to 2022, changes such as an increase in average comments, a decrease in interrogative sentences, and a decrease in imperative statements were observed. The study also proposed loneliness due to aging and a decline in curiosity and confidence as potential causes of these changes. In South Korea, which is rapidly entering an aging society unprecedentedly fast on a global scale, the increase in single-person households has evolved loneliness from a personal issue to a social problem, manifested in an increase in solitary deaths and reclusive individuals. This research sheds light on one aspect of these social phenomena through the analysis of data from a large online community.

• The Korean Journal of Malacology
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• v.29 no.1
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• pp.51-63
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• 2013

To assess the effect of environmental factors on the sustainability of cultured production shellfish, we investigated the habitat characteristics of tidal flat (Namhae-po in Taean). We measured the physiochemical parameters (temperature, salanity, pH, dissolved oxygen and nutrients) and the geochemical characteristics (chemical oxygen demand, ignition loss, C/N ratio and C/S ratio). Surface sediments were collected from several site of tidal flat to examine the geochemical characteristics of both the benthic environment and heavy metal pollution. The grain size for research area of tidal flat were similar at the ratio of silt and clay in comparison with the other site of it. The C/N ratio was more than 5.0, reflecting the range arising from the mix of marine organism and organic matter. The C/S ratio (about 2.8) showed that survey area had anoxic or sub-anoxic bottom conditions. The enrichment factor (Ef) and index of accumulation rate (Igeo) of the metals showed that those research areas can be classified as heavily polluted, heavily to moderately polluted, or more or less unpolluted, respectively. Adult surf clam (Mactra veneriformis) density was highest at St. 2 (middle part of the Namhae-po), on the other hand, surf clam spat density was highest at St. 3 (lower part of the Namhae-po). Heavy rain, terrigenous suspended clay with fresh water from neighboring agricultural land, and severe high air temperature during summer could be thought as detrimental causes of spat and adult mortality in Namhae-po tidal flat. We suggested that the growth of shellfish in the tidal flat was effected by the various environmental conditions, so an improvement in the cultured method was needed.

• Asia Marketing Journal
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• v.13 no.3
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• pp.25-53
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• 2011

This study probes the effect of loyalty program on the customer retention based on the real transaction data(n=2,892) acquired from education service industry. We try to figure out the outcomes of reward program through more than 1 year-long data gathered and analyzed according to quasi-experimental design(i.e., before and after design). We adopt this kinds of research scheme in regard that previous studies measured the effect of loyalty program by dividing the customers into two group(i.e., members vs. non-members) after the firms or stores had started the program. We believe that it might not avoid the self-selection bias. The research questions of this study could be explained such as: First, most research said that the loyalty programs could increase the customer loyalty and contribute to the sustainable growth of company. But there are little confirmation that this promotional tool could be justified in terms of financial perspective. Thus, we are interested in both the retention rate and financial outcomes caused by the introduction of loyalty programs. Second, reward programs target mainly current customer. Especially CRM(customer relationship management) said that it is more profitable for company to build positive relationship with current customer instead of pursuing new customer. And it claims that reward program is excellent means to achieve this goal. For this purpose, we check in this study whether there is a interaction effect between loyalty program and customer type in retaining customer. Third, it is said that dis-satisfied customers are more likely to leave the company than satisfied customers. While, Bolton, Kannan and Bramlett(2000) claimed that reward program could contribute to minimize the effect of negative service by building emotional link with customer, it is not empirically confirmed. This point of view explained that the loyalty programs might work as exit barrier to current customer. Thus, this study tries to identify whether there is a interaction effect between loyalty program and service experience in keeping customer. To achieve this purpose, this study adopt both Kaplan-Meier survival analysis and Cox proportional hazard model. The research outcomes show that the average retention period is 179 days before introducing loyalty program but it is increased to 227 days after reward is given to the customers. Since this difference is statistically significant, it could be said that H1 is supported. In addition, the contribution margin coming from increased transaction period is bigger than the cost for administering loyalty programs. To address other research questions, we probe the interaction effect between loyalty program and other factors(i.e., customer type and service experience) affecting it. The analysis of Cox proportional hazard model said that the current customer is more likely to engage in building relationship with company compared to new customer. In addition, retention rate of satisfied customer is significantly increased in relation to dis-satisfied customer. Interestingly, the transaction period of dis-satisfied customer is notably increased after introducing loyalty programs. Thus, it could be said that H2, H3, and H4 are also supported. In summary, we found that the loyalty programs have values as a promotional tool in forming positive relationship with customer and building exit barrier.