• The Korean Journal of Applied Statistics
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• v.22 no.6
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• pp.1215-1227
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• 2009

Underwriting refers to the process that the insurance company measures the potential risk of the future clients and decide whether insuring them with current premium. Although the traditional underwriting system used in Korean automobile insurance market is easy to understand, it is not based on a reliable statistical procedure. In this paper, we propose to apply the generalized additive model into construction of underwriting system, which is based on statistical analysis. We use automobile insurance data in Korea and apply our approach to the data. The results from the empirical analysis would be useful even for determining the significance of each variable in calculating automobile insurance premium.

• Journal of Korean Society of Steel Construction
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• v.19 no.4
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• pp.395-402
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• 2007

Probabilistic risk assessment was conducted on a hybrid cable-stayed bridge consisting of a steel-composite plate girder and a concrete girder with a long span, designed using the working stress design and strength design methods. The component reliabilities of the bridge's cables, pylons, girders, and steel-concrete conjunction were evaluated using the AFOSM(Advanced First Order Second Moment) algorithm and the simulation technique at the critical sections, based on the maximum axial force, shear, and positive and negative moments of the selected sections. For the analysis of system reliability, the hybrid cable-stayed bridge consisting of cables, pylons, and plate girders was modeled into combined failure modes, and for system reliability, the probabilities of failure and reliability index of the structural system were evaluated. Based on the results of this study, the critical failure modes of the hybrid cable-stayed bridge based on the bridge's structural characteristics are suggested, and the efficiency of the partial ETA technique for use in the risk assessment method was confirmed.

• Journal of the Korean Institute of Gas
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• v.27 no.4
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• pp.110-115
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• 2023

According to the Off-Gas Generation and Use Status Report (2015), Off-gas from the steel industry is estimated to be 80 million tons per year in Korea. If this is purified, large amounts of hydrogen can be produced, so active research and development related to hydrogen purification facilities is underway. In this study, a quantitative risk assessment (QRA) was conducted by analyzing the components of a off-gas based hydrogen purification facility and investigating risk factors. The risk analysis results were determined to be at an acceptable level and will be used as basic data to improve the safety of facilities considering the risks of hydrogen.

• Information Systems Review
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• v.24 no.3
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• pp.69-91
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• 2022

The video recommendation services help to save the user's information search time in the overflowing online information, and algorithms for more efficient and accurate recommendation are continuously developed. In particular, TikTok has the largest number of users in the short video industry due to its unique recommendation algorithms. In this study, by applying a privacy calculation model, the research tried to compare users' responses to each type of TikTok's recommendation service. Users are well aware of the privacy concerns and benefits of TikTok's recommendation service. Although there is a risk, it was found that users continue to use TikTok's recommendation service because the benefits are greater.

• Journal of The Korean Association of Information Education
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• v.17 no.3
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• pp.253-264
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• 2013

We development the service that teacher and parent can control the smart phone of student in school and home, the name is I_smart_keeper. The service is composed of server system, teacher's application, parent's application and student's application. The control of student's phone in school is operated by school timetable and GPS(Global Positioning System) in smart phone. The student's phone is operating one of six policy. The six policy is 'emergency call only', 'specific application only', 'call only', 'call and text only', 'all allowed' and 'all lock'. The teacher can change the current policy with his or her phone, That is a the temporary policy can be applied on a day. In school hours, teacher is able to instruct student using application appropriate to the teaching. If student is leaving school early and located outside school, the service do free the student's phone by GPS of her or his phone. We show the Smart Health Indicator (SHI)that analyse the pattern of student's phone habit and SHI will guide a desirable student's phone habit. In home, parent can control child's phone. The service will help the risk reduction of a robbery case due to keeping student's phone by teacher in class. Currently one elementary school's all student use I_smart_keeper and three elementary school is testing to some class. The teacher's impression was very good and they usually use I_smart_keeper for class in positive light. Survey results for students with higher satisfaction.

• Journal of the Korean Wood Science and Technology
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• v.43 no.4
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• pp.456-462
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• 2015

365 pieces of domestic $38{\times}140{\times}3600mm$ Red pine structural lumber were machine graded conforming to a softwood structural lumber standard (KS F 3020). The allowable bending stresses calculated for each grade were compared with the values currently tabulated in the standard. Four calculation methods for lower $5^{th}$ percentile bending stress were non-parametric estimation with 75% confidence level, 2-parameter and 3-parameter Weibull distribution fit, and bending modulus of rupture (MOR)-modulus of elasticity (MOE) regression based method. Only the data set of Grades E8, E9, and E10 were statistically eligible for the $5^{th}$ percentile calculation. The MOR-MOE regression based method only was able to estimate the lower $5^{th}$ percentile values theoretically for the full range of grades. The results showed that all allowable bending stresses calculated were lower than the design values tabulated in the standard. This implies that the current machine grading system has the pitfall of structural safety. Improvement in current machine grading system could be achieved by introducing the bending strength and stiffness combination grade system.

• Korean Journal of Culture and Social Issue
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• v.21 no.3
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• pp.377-394
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• 2015

The purpose of this research was to identify the relationship between specific personality characteristics and maladaptive social behaviors in order to contribute to development of a pragmatic intervention for the prevention of sexual aggression. This was accomplished by examining the mediating effects of entitlement rage (K-PNI) or sociosexuality (K-MSAS) on sexual aggression, and moderating effects of cognitive emotion regulation strategies (K-CERQ) or state empathy (K-CMEM) on sexual aggression in narcissistic men. Data were obtained from male college students (n = 264) who completed self-report questionnaires, such as K-NPI and K-CMEM, and hierarchical regression analysis was applied to examine these relationships. Both entitlement rage and cognitive emotion regulation strategies were found to be unassociated with sexual aggression. Rather, sociosexuality was the mediating factor between narcissism and sexual aggression, Whereas state empathy was a moderating factor between narcissism and sexual aggression. These findings indicate a tendency for sociosexuality to increase sexual aggression in males. However, individuals with low state empathy are more likely to show sexual aggression than those with high state empathy, indicating that intervention for increased state empathy may be a more effective treatment than cognitive emotion regulation strategies.

• The Korean Journal of Air & Space Law and Policy
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• v.19 no.2
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• pp.163-177
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• 2004

Wenn man das fahrl${\"{a}}$ssige Begehungsdelikt in Bezug auf ein Niveau eines Risiko der objektiv vorhandenen tatbestandlichen Erfolgsm${\"{o}}$glichkeit und auf die n${\"{o}}$tige Sorgfaltspflicht, die die T${\"{a}}$ter nimmt, um das solches Risiko abzuhalten, berucksichtigt, ergibt sich der spezielle Fall selten bei der Person, mit dem hoch-gefahrlichen Berufszweig besch${\"{a}}$ftigt ist, auf den die bestehende Allgemeine-Theorie ${\"{u}}$ber das gafahrl${\"{a}}$ssige Begehungsdelikt gleichm${\"{a}}$ssig unanwendbar ist. Bez${\"{u}}$glich des Piloten des Milit${\"{a}}$rflugzeug ergibt sich oftmals ein bestmmter Fall, die die KontroIIe des Risiko gesch${\"{a}}$ftlich uber sein eigenes pers${\"{o}}$nliches Ermessen geht, und er nimmt die Pflicht, die notwendige milit${\"{a}}$rische Zielsetzung zuerst vor allem zu ber${\"{u}}$cksichtigen, wenn auch technisch, klimatisch und umstandehalber ein normales Niveau von Risiko ${\"{u}}$bersteigt wird und zugleich ein bedenkliches hoches Risiko mit sich gebracht wird. Aus diesem Anla${\beta}$ kann man folgem, da${\beta}$ der Pilot des Milit${\"{a}}$rflugzeug ein besonderer Fall ist, auf den die Kriterien in Bezug auf das Gebiet der Regel ${\"{u}}$ber das fahrl${\"{a}}$ssige Begehungsdelikt gleichm${\"{a}}$ssig unanwendbar sind. Und weil die Vermehrung der Gefahr des Flugzeug sofort an die Vermehrung der Gefahr seines eigenen Leben angeschlossen wird und daher es eine M${\"{o}}$glichkeit gibt, da${\beta}$ der Pilot dem Resultat eines Gefahr zum ersten Opfer f${\"{a}}$llt, ist die Regelung in der Punkt der Generalpr${\"{a}}$vention gegen das fahrl${\"{a}}$ssige Begehungsdelikt sinnlos. Und auch muB die militarpolitische Punkt, die Piloten des Milit${\"{a}}$rflugzeug gem${\"{a}}$${\beta}$ dem notwendigen Ausma${\beta}$ auszubilden und das Ausma${\beta}$ zu behalten, aktuell berucksichtigt werden.

• Environmental and Resource Economics Review
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• v.15 no.2
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• pp.147-175
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• 2006

This paper attempts to incorporate three important factors-perceptions, behavior and valuation-in analysing consumers' responses to health risks from environmental pollutants. Using a survey sample of 500 consumers in the Chonbuk province area, this paper empirically investigated determinants of risk perceptions from using tap water as drinking water. Most consumers were considerably concerned about health risks from drinking tap water. Moreover, those subjective concerns were not random, but were systematically related to individuals' demographic variables such as age, gender, and family size. Those subjective beliefs also influenced respondents' purchase intentions on safer water bottles, in response to a contingent behavior question of presenting two types of water bottles. The technical risk information provided in the survey had significant effects on purchase intentions only when it was interacted with respondents' actual averting practice. In addition, the sample selection effects were present by eliminating respondents who decided not to purchase either of two types of water bottles. The potential selection bias had impacts on the coefficients of the price difference variable, and subsequently the estimates of the price increments for health risk reductions.

• 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.