• 제목/요약/키워드: Adverse selection

검색결과 140건 처리시간 0.021초

정보비대칭 관점에서 서울 오피스 시장의 월세미납리스크에 관한 연구 (A Study on The Risk on the Non-payment of Monthly Rent of Seoul Office Market in the Framework of Asymmetric Information)

  • 김성남;최영상;고성수
    • 한국콘텐츠학회논문지
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    • 제15권7호
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    • pp.531-543
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    • 2015
  • 현재까지 서울 오피스 시장의 경우 관례적으로 고정된 보증금/월세 비율로 인해 보증금에 대한 이론적인 분석의 여지가 없었다. 하지만 본 연구는 글로벌 스탠다드인 점유비용의 개념을 도입하여 오피스 임대시장의 월세 미납 리스크에 대한 분석을 시도한다. 또한 정보비대칭 상황에서 보증금의 수준이 임차인의 역선택 문제를 해소하는 수단으로 사용될 수 있다는 Benjamin, Lusht, and Shilling(1998)의 견해에 따라 본 연구는 정보비대칭 상황인 서울 오피스 시장을 대상으로 보증금과 월세의 수준이 어떻게 정보비대칭 문제를 해결하는지 검증하고자 한다. 실증분석 결과 오피스 임대인들은 월세 미납 리스크를 헤지하기 위해 약 9%의 리스크 프리미엄을 점유비용에 부과하는 것으로 나타났다. 이러한 결과는 오피스 임대시장에서 보증금 및 월 임대료의 운용수익률을 산정할 때, 임차인이 가지는 월세 미납 리스크의 반영 수준을 추정할 수 있게 한다.

조영제 부작용에 대한 조직책임 (Organizational Liability for Adverse Reactions to the Contrast Media)

  • 임창선
    • 대한방사선기술학회지:방사선기술과학
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    • 제30권2호
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    • pp.89-93
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    • 2007
  • 조영제를 사용한 방사선과 검사의 조영제 부작용에 대한 위험성은 잘 알려져 있으며, 조영제의 부작용을 줄이기 위한 연구도 지속적으로 진행되어 왔다. 또한 조영제 부작용에 대한 사전검사를 하더라도 조영제에 의한 치명적 부작용을 예측하기 어렵다. 이러한 조영제 부작용에 대한 법적책임에 대하여 최근에는 의료기관개설자의 책임이 중요시되고 있다. 의료기관은 환자의 건강을 목적으로 하는 조직체이다. 그리고 조직체는 그 구성원에 의한 과실에 책임이 있다. 그러므로 의료기관개설자는 의료서비스에 대해서 기대가능한 모든 노력을 하여야 하며, 불충분 또는 불완전한 조직편성 및 진료조치가 이루어지지 않게 하여야 할 조직의무를 부담한다. 이러한 점에서 의료기관은 방사선조영검사시에 조영제를 주입하는 단계로부터 검사의 완료에 이르기까지 전과정에 충분하고도 완전한 조직편성과 적정한 진료 확보를 위한 제반조치를 취할 책임이 있다. 따라서 환자의 안전과 진료의 적정을 위하여 의료기관이 조직적으로 필요한 조치를 시행하지 않거나 불충분한 경우에는 불법행위법상 의료기관 독자적인 조직책임을 지게 되며, 의료기관의 조직의무위반은 의료기관 자신의 책임이므로 내부관계에서 의료기관종사자 개인에게 구상권을 행사할 수 없다.

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Immune checkpoint inhibitors: recent progress and potential biomarkers

  • Darvin, Pramod;Toor, Salman M.;Nair, Varun Sasidharan;Elkord, Eyad
    • Experimental and Molecular Medicine
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    • 제50권12호
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    • pp.10.1-10.11
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    • 2018
  • Cancer growth and progression are associated with immune suppression. Cancer cells have the ability to activate different immune checkpoint pathways that harbor immunosuppressive functions. Monoclonal antibodies that target immune checkpoints provided an immense breakthrough in cancer therapeutics. Among the immune checkpoint inhibitors, PD-1/PD-L1 and CTLA-4 inhibitors showed promising therapeutic outcomes, and some have been approved for certain cancer treatments, while others are under clinical trials. Recent reports have shown that patients with various malignancies benefit from immune checkpoint inhibitor treatment. However, mainstream initiation of immune checkpoint therapy to treat cancers is obstructed by the low response rate and immune-related adverse events in some cancer patients. This has given rise to the need for developing sets of biomarkers that predict the response to immune checkpoint blockade and immune-related adverse events. In this review, we discuss different predictive biomarkers for anti-PD-1/PD-L1 and anti-CTLA-4 inhibitors, including immune cells, PD-L1 overexpression, neoantigens, and genetic and epigenetic signatures. Potential approaches for further developing highly reliable predictive biomarkers should facilitate patient selection for and decision-making related to immune checkpoint inhibitor-based therapies.

삼차신경통의 침 치료에 대한 임상연구 동향 - PubMed를 중심으로 (Clinical Research Trends on Acupuncture Treatment for Trigeminal Neuralgia - Based on PubMed)

  • 천혜선
    • 한방안이비인후피부과학회지
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    • 제37권2호
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    • pp.74-94
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    • 2024
  • Objectives : This study was conducted to analyze the trends of international clinical research on acupuncture treatment for trigeminal neuralgia. Methods : A total of 14 clinical researches were selected by using PubMed, an international online database, to search for clinical researches written in English and Chinese. Selected papers were analyzed according to study characteristics, study subjects, acupuncture treatment methods, treatment results, evaluation index, safety, and adverse event reports. Results : Acupuncture was mostly used in combination with other treatment methods. The most commonly used acupuncture point was the 'Xiaguan(ST7)', and 11 acupuncture points belonging to the 'Stomach meridian' were used. In most researches, selection of local points and distant points were taken simultaneously, with some researches taking acupuncture points according to trigeminal nerve branch. There were significant improvements in most outcome measures after treatment compared to pre-treatment, and most adverse events disappeared without treatment or decreased or disappeared after grand therapy. Conclusion : According to this study, acupuncture treatment for trigeminal neuralgia was performed in various ways and was found to be effective and safe. However, it is necessary to confirm more meaningful results by supplementing the limitations of existing researches in the future.

Impact of Cassia acutifolia Infusion on Glucose Levels in Obesity and Diabetes Rat Model

  • Raffoul-Orozco, Abdel Kerim;Avila-Gonzalez, Ana Elisa;Barajas-Vega, Jessica Lucia;Rodriguez-Razon, Christian Martin;Garcia-Cobian, Teresa Arcelia;Ramirez-Lizardo, Ernesto Javier;Rubio Arellano, Edy David
    • 대한약침학회지
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    • 제20권3호
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    • pp.201-206
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    • 2017
  • Objectives: The aim of this study was to investigate the effects of Cassia acutifolia on the obesity and the glucose levels in a rat model of obesity and diabetes. Methods: By random selection, 36 Wistar male rats were divided in two control groups, the positive and the negative control groups, and into four experimental groups receiving different infusions of Cassia acutifolia in water ad libitum. Results: The results revealed a statistically significant anti-obesogenic effect (P = 0.02), although this was not considered clinically significant. Additionally, Cassia acutifolia lowered the glucose levels by 30 mg/dL to 90 mg/dL (P = 0.05). However, we observed adverse effects in the liver, a two-fold increase in transaminase levels (P = 0.002), and in the kidneys, decreased creatinine levels (P = 0.001), and these adverse effects had no viable explanation. Conclusion: Cassia acutifolia has anti-hyperglycemic effects in obese diabetic rats. However, Cassia acutifolia also has adverse effects, so it should not be administered to patients.

Complications reported with the use of orthodontic miniscrews: A systematic review

  • Giudice, Antonino Lo;Rustico, Lorenzo;Longo, Miriam;Oteri, Giacomo;Papadopoulos, Moschos A.;Nucera, Riccardo
    • 대한치과교정학회지
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    • 제51권3호
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    • pp.199-216
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    • 2021
  • Objective: The aim of this systematic review was to evaluate the complications and side effects associated with the clinical use of orthodontic miniscrews by systematically reviewing the best available evidence. Methods: A survey of articles published up to March 2020 investigating the complications associated with miniscrew insertion, in both the maxilla and mandible, was performed using 7 electronic databases. Clinical studies, case reports, and case series reporting complications associated with the use of orthodontic miniscrew implants were included. Two authors independently performed study selection, data extraction, and risk-of-bias assessment. Results: The database survey yielded 24 articles. The risk-of-bias assessment revealed low methodological quality for the included studies. The most frequent adverse event reported was root injury with an associated periradicular lesion, vitality loss, pink discoloration of the tooth, and transitory loss of pulp sensitivity. Chronic inflammation of the soft tissue surrounding the miniscrew with mucosal overgrowth was also reported. The other adverse events reported were lesion of the buccal mucosa at the insertion site, soft-tissue necrosis, and perforation of the floor of the nasal cavity and maxillary sinus. Adverse events were also reported after miniscrew removal and included secondary bleeding, miniscrew fracture, scars, and exostosis. Conclusions: These findings highlight the need for clinicians to preliminarily assess generic and specific insertion site complications and side effects.

민간의료보험 가입이 의료이용에 미치는 영향 (Effects of Private Insurance on Medical Expenditure)

  • 윤희숙
    • KDI Journal of Economic Policy
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    • 제30권2호
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    • pp.99-128
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    • 2008
  • 민간보험은 공적보험과 보완적인 관계를 형성함에도 불구하고 우리나라의 민간보험은 소득계층에 따른 접근성 차이로 인한 사회적 불평등, 도덕적 해이로 인한 공적보험 재정악화 등의 우려를 낳고 있다. 그러나 이에 관한 실증적 분석은 그간 이루어지지 못하여 정책적인 방향을 정립하는 데 장애가 되어 왔다. 본 연구는 건강보험공단, 심사평가원, 민간보험사, 행정자치부 주민등록세대정보 등의 관련 정보를 종합하여 이에 대한 실증분석을 시도했다. 그 결과, 우리나라의 민간보험 가입률은 전 국민의 64%에 달하고 있으며, 고소득층과 저소득층 간에 민간보험 가입률의 차이가 나타나지 않았다. 이는 공적보험의 보장성이 미흡한 상황에서 저소득층 역시 갑작스런 의료지출에 대비하고 있으며, 민간보험이 의료접근성의 계층화를 초래하지 않고 있다는 것을 시사한다. 또한 민간보험 가입자는 평균적으로 미가입자에 비해 의료이용량이 높지 않았으며, Two-Part Model을 통해 다양한 변수를 통제했을 경우에도 동일한 결과가 나타났다. 연령대에 따른 차이로 미루어 이러한 결과는 노동시장과 연관된 한시적인 성격일 것으로 추측되나, 현재로서는 민간보험 가입에 따른 도덕적 해이가 강하게 나타나고 있다는 근거는 발견되지 않았다.

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Association of selected gene polymorphisms with thermotolerance traits in cattle - A review

  • Hariyono, Dwi Nur Happy;Prihandini, Peni Wahyu
    • Animal Bioscience
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    • 제35권11호
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    • pp.1635-1648
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    • 2022
  • Thermal stress due to extreme changes in the thermal environment is a critical issue in cattle production. Many previous findings have shown a decrease in feed intake, milk yield, growth rate, and reproductive efficiency of cattle when subjected to thermal stress. Therefore, selecting thermo-tolerant animals is the primary goal of the efficiency of breeding programs to reduce those adverse impacts. The recent advances in molecular genetics have provided significant breeding advantages that allow the identification of molecular markers in both beef and dairy cattle breeding, including marker-assisted selection (MAS) as a tool in selecting superior thermo-tolerant animals. Single-nucleotide polymorphisms (SNPs), which can be detected by DNA sequencing, are desirable DNA markers for MAS due to their abundance in the genome's coding and non-coding regions. Many SNPs in some genes (e.g., HSP70, HSP90, HSF1, EIF2AK4, HSBP1, HSPB8, HSPB7, MYO1A, and ATP1A1) in various breeds of cattle have been analyzed to play key roles in many cellular activities during thermal stress and protecting cells against stress, making them potential candidate genes for molecular markers of thermotolerance. This review highlights the associations of SNPs within these genes with thermotolerance traits (e.g., blood biochemistry and physiological responses) and suggests their potential use as MAS in thermotolerant cattle breeding.

Adaptive Band Selection for Robust Speech Detection In Noisy Environments

  • Ji Mikyong;Suh Youngjoo;Kim Hoirin
    • 대한음성학회지:말소리
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    • 제50호
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    • pp.85-97
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    • 2004
  • One of the important problems in speech recognition is to accurately detect the existence of speech in adverse environments. The speech detection problem becomes severer when recognition systems are used over the telephone network, especially in a wireless network and a noisy environment. In this paper, we propose a robust speech detection algorithm, which detects speech boundaries accurately by selecting useful bands adaptively to noisy environments. The bands where noises are mainly distributed, so called, noise-centric bands are introduced. In this paper, we compare two different speech detection algorithms with the proposed algorithm, and evaluate them on noisy environments. The experimental results show the excellence of the proposed speech detection algorithm.

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직무분석을 통한 회전익 항공기 조종사 적성에 관한 연구 (A Study on Aptitude for Helicopter Pilots through the Job Analysis)

  • 유태정;김칠영
    • 한국항공운항학회지
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    • 제14권1호
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    • pp.63-69
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    • 2006
  • The operational environment of helicopters extends from the civil air traffic control system to remote and hazardous areas and from day operations under visual flight conditions to night operations in adverse weather. Helicopters can move in any direction, remain stationary while airborne, climb and descend vertically, and take off and land almost anywhere. Thus their range of maneuvers and control requirements vary more widely than do those of fixed-wing aircraft. In this study, I analyzed the job of helicopter pilot through methods of observation, and classified the required ability of them into the domain of cognitive, perceptual/spatial, psychomotor. I expect that the result of this study will be used to aid training and selection of helicopter pilot.

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