• Title/Summary/Keyword: Damage rate

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Development of a Business Model for Korean Insurance Companies with the Analysis of Fiduciary Relationship Persistency Rate (신뢰관계 유지율 분석을 통한 보험회사의 비즈니스 모델 개발)

  • 최인수;홍복안
    • Journal of the Korea Society of Computer and Information
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    • v.6 no.4
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    • pp.188-205
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    • 2001
  • Insurer's duty of declaration is based on reciprocity of principle of the highest good, and recently it is widely recognized in the British and American insurance circles. The conception of fiduciary relationship is no longer equity or the legal theory which is only confined to the nations with Anglo-American laws. Therefore, recognizing the fiduciary relationship as the essence of insurance contract, which is more closely related to public interest than any other fields. will serve an efficient measure to seek fair and reasonable relationship with contractor, and provide legal foundation which permits contractor to bring an action for damage against violation of insurer's duty of declaration. In the future, only when the fiduciary relationship is approved as the essence of insurance contract, the business performance and quality of insurance industry is expected to increase. Therefore, to keep well this fiduciary relationship, or increase the fiduciary relationship persistency rates seems to be the bottom line in the insurance industry. In this paper, we developed a fiduciary relationship maintenance ratio based on comparison by case, which is represented with usually maintained contract months to paid months, based on each contract of the basis point. In this paper we have developed a new business model seeking the maximum profit with low cost and high efficiency, management policy of putting its priority on its substantiality, as an improvement measure to break away from the vicious circle of high cost and low efficiency, and management policy of putting its priority on its external growth(expansion of market share).

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The Effect of Nicotine-Contaminated Mulberry Leaf in the Vicinity of Tabacco Drying Plant on Cocoon Crop (연초건조장 부근의 뽕잎이 잠작에 미치는 영향)

  • 양성열;이상풍;김계명;이상욱
    • Journal of Sericultural and Entomological Science
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    • v.20 no.2
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    • pp.26-31
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    • 1978
  • The objective of the present study was to investigate the effect of nicotine-contaminated mulberry-leaf, which was grown in the vicinity of tobacco drying plant (TDP), on cocoon crop. Mulberry-leaf harvested from the field at Sericultural Experiment Station (SES), Suweon, Korea, was used as control, supposedly nicotine-free leaf. Leaf harvested from the field in the distances of 30-50m, 300-400m and 700-800m from TDP was fed during the whole larval stage of the silkworm at. SES. The effect of leaf in each treatment level on the quantitative characters of the silkworm was summarized as follows; 1. Larval duration from 4th instar on was significantly longer in the TDP-leaf treatments than for the control. 2. Duration of matured silkworm appearance became longer as the distance of the mulberry-field from TDP got shorter, because the larval duration and growth of the silkworm were not uniform in the TDP-leaf treatments. 3. Mortality rates during the late larval, cocoon spinning, and pupal stages were highest for the 30-50m leaf, especially mortality rates during the late larval and pupal stage were serious. 4. Pupation rate was lowest for the 30-50m leaf and those for the 300-400m and the 700-800m leaf were not significantly different from that of the control. 5. Nicotine damage to cocoon weight and cocoon shell weight was significant in each TDP-leaf level. Cocoon shell ratio was reduced at the same extent in each level, compared with the control. 6. The ratio among cocoon-classes was significantly different between treatments, compared with best-cocoon ratio of 87.1% for the control. Cocoons were not uniform for the 30-50m leaf, and those for the 300-400m and the 700-800m leaf were as almost uniform as those for the control. 7. Loss of fresh cocoon yield became greater as the distance of the mulberry-field from the TDP-got shorter. In conclusion, the critical distance of mulberry-field, which influences larval health, cocoon quality and yield, appeared to be 800m from the TDP. Such other factors as wind direction and topographic location may be involved in the critical distance. 8. From the present experiment, we could obtain only the effect of nicotine on the silkworm through digestive system, since the silkworm was raised at SES in Suweon. If the silkworm.. were raised in the vicinity of the TDP, poison effect of nicotine on the silkworm could beo expected through exoskeleton and tracheal system as well as through digestive system.

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Effect of Swine Liquid Manure on Soil Chemical Properties and Growth of Rice (Oryza sativa L.) (양돈분뇨 발효액비 시용이 토양 화학성과 벼 (Oryza sativa L.) 생육에 미치는 영향)

  • Lee, Kyu-Hoi;Yoo, Jae-Hong;Park, Eun-Ju;Jung, Yeong-In;Tipayno, S.C.;Shagol, C.C.;Sa, Tong-Min
    • Korean Journal of Soil Science and Fertilizer
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    • v.43 no.6
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    • pp.945-953
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    • 2010
  • This study was conducted to evaluate the effect of swine liquid manure (SLM) on rice grown in Yeonggwang-gun in 2008. The treatments consisted of SLM and chemical fertilizer (CF) based on the recommended amount of nitrogen (11 kg N $10a^{-1}$). The Total N content of the SLM used was 2,881 mg $L^{-1}$. Plant height at the early stage of growth and tiller number were not significantly different between plots applied with swine liquid manure and those with chemical fertilizer in all areas. Plant height at the later stage of growth, lodging and yield were not significantly different between plots applied with swine liquid manure and those with chemical fertilizer in three areas (Baeksu, Gunnam, Beopseong). Plant height at the later stage of growth, as well as lodging were higher in SLM plots than in chemically fertilized plots in Yeonggwang and Yeomsan. However, grain yield was lower in SLM plots than in chemically fertilized plots in these areas. Soil organic matter content and exchangeable cations increased in the swine liquid manure applied plots. Moreover, heavy metal content did not increase in the plots treated with swine liquid manure. Further research to determine the suitable rate of swine liquid manure is needed to reduce lodging damage and to increase the yield and quality of rice.

Detection of Forest Fire Damage from Sentinel-1 SAR Data through the Synergistic Use of Principal Component Analysis and K-means Clustering (Sentinel-1 SAR 영상을 이용한 주성분분석 및 K-means Clustering 기반 산불 탐지)

  • Lee, Jaese;Kim, Woohyeok;Im, Jungho;Kwon, Chunguen;Kim, Sungyong
    • Korean Journal of Remote Sensing
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    • v.37 no.5_3
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    • pp.1373-1387
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    • 2021
  • Forest fire poses a significant threat to the environment and society, affecting carbon cycle and surface energy balance, and resulting in socioeconomic losses. Widely used multi-spectral satellite image-based approaches for burned area detection have a problem in that they do not work under cloudy conditions. Therefore, in this study, Sentinel-1 Synthetic Aperture Radar (SAR) data from Europe Space Agency, which can be collected in all weather conditions, were used to identify forest fire damaged area based on a series of processes including Principal Component Analysis (PCA) and K-means clustering. Four forest fire cases, which occurred in Gangneung·Donghae and Goseong·Sokcho in Gangwon-do of South Korea and two areas in North Korea on April 4, 2019, were examined. The estimated burned areas were evaluated using fire reference data provided by the National Institute of Forest Science (NIFOS) for two forest fire cases in South Korea, and differenced normalized burn ratio (dNBR) for all four cases. The average accuracy using the NIFOS reference data was 86% for the Gangneung·Donghae and Goseong·Sokcho fires. Evaluation using dNBR showed an average accuracy of 84% for all four forest fire cases. It was also confirmed that the stronger the burned intensity, the higher detection the accuracy, and vice versa. Given the advantage of SAR remote sensing, the proposed statistical processing and K-means clustering-based approach can be used to quickly identify forest fire damaged area across the Korean Peninsula, where a cloud cover rate is high and small-scale forest fires frequently occur.

A Study on the Characteristics of Projects Following the Promotion of Private Park Special Projects (민간공원특례사업의 추진에 따른 사업특성에 관한 연구)

  • Gweon, Young-Dal;Park, Hyun-Bin;Kim, Dong-Pil
    • Journal of the Korean Institute of Landscape Architecture
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    • v.49 no.5
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    • pp.112-124
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    • 2021
  • This study was conducted to examine and analyze local governments, park status, project characteristics, and the implementation in detail for private park special projects across the country as a means of responding to the sunsetting of urban parks. As a result of the analysis, first, the private park special project, was found to be mainly implemented in cities with a population of more than 100,000, so there was a limit to the application on military installations or in local small cities. Therefore, rather than applying the special system collectively, it was judged that institutional flexibility, considering the characteristics and size of local government, was needed. Second, the current special projects by the park creation donation collection method shows monotonous development centered on apartment houses, so it is necessary to diversify the development by introducing a park preservation method that purchases and donates park sites. Third, it was found that the area standard needs to be eased to less than 50,000m2 to include parks with high utilization and good accessibility in urban areas of large cities, as the type and area of parks are limited. Fourth, most special projects are mountain parks, which are feared to damage the natural terrain and skyline, so separate ordinances should be established and applied, and development approaches should be made to allow nature and parks to coexist with the setting of detailed building guidelines for each type of facility. The guidelines should include, first, after the nationwide private park special projects are completed, standards for appropriate returns for similar projects should be established, institutional standards such as the recovery of excess profits should be established, and environmental reviews should be conducted. Second, it was found that local governments should institutionalize the composition of private consultations to promote the efficient management of projects through a cooperative system, and third, a roadmap for maintenance after the donation of special parks should be established.

Macroporous Thick Tin Foil Negative Electrode via Chemical Etching for Lithium-ion Batteries (화학적 식각을 통해 제조한 리튬이온 이차전지용 고용량 다공성 주석후막 음극)

  • Kim, Hae Been;Lee, Pyung Woo;Lee, Dong Geun;Oh, Ji Seon;Ryu, Ji Heon
    • Journal of the Korean Electrochemical Society
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    • v.22 no.1
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    • pp.36-42
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    • 2019
  • A macroporous Sn thick film as a high capacity negative electrode for a lithium ion secondary battery was prepared by using a chemical etching method using nitric acid for a Sn film having a thickness of $52{\mu}m$. The porous Sn thick film greatly reduced the over-voltage for the alloying reaction with lithium by the increased reaction area. At the same time. The porous structure of active Sn film plays a part in the buffer and reduces the damage by the volume change during cycles. Since the porous Sn thick film electrode does not require the use of the binder and the conductive carbon black, it has substantially larger energy density. As the concentration of nitric acid in etching solution increased, the degree of the etching increased. The etching of the Sn film effectively proceeded with nitric acid of 3 M concentration or more. The porous Sn film could not be recovered because the most of Sn was eluted within 60 seconds by the rapid etching rate in the 5 M nitric acid. In the case of etching with 4 M nitric acid for 60 seconds, the appropriate porous Sn film was formed with 48.9% of weight loss and 40.3% of thickness change during chemical acid etching process. As the degree of etching of Sn film increased, the electrochemical activity and the reversible capacity for the lithium storage of the Sn film electrode were increased. The highest reversible specific capacity of 650 mAh/g was achieved at the etching condition with 4 M nitric acid. The porous Sn film electrode showed better cycle performance than the conventional electrode using a Sn powder.

Efficient virus elimination for apple dwarfing rootstock M.9 and M.26 via thermotherapy, ribavirin and apical meristem culture (사과 왜성대목 M.9 및 M.26의 고온, ribavirin, 생장점 배양을 통한 바이러스 제거)

  • Kwon, Young Hee;Lee, Joung Kwan;Kim, Hee Kyu;Kim, Kyung Ok;Park, Jae Seong;Huh, Yoon Sun;Park, Eui Kwang;Yoon, Yeo Joong
    • Journal of Plant Biotechnology
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    • v.46 no.3
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    • pp.228-235
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    • 2019
  • Apple (Malus pumila) is one of the most economically important fruits in Korea. but virus infection has decreased the sustainable production of apples and caused serious problems such as yield loss and poor fruit quality. Virus or viroid infection including apple chlorotic leaf spot virus (ACLSV), apple stem pitting virus (ASPV), apple stem grooving virus (ASGV), apple mosaic virus (ApMV) and apple scar skin viroid (ASSVd) have been also reported in Korea. In many cases, as apple gets infected with virus and viroid with no specific symptoms, the damage and symptoms caused by the viruses are not detected. In our research, viruses in the rootstock were eliminated for a virus-free apple dwarfing rootstock of M.9 and M.26. The virus elimination methods were apical meristem culture, thermotherapy ($37^{\circ}C$, 6 weeks) and chemotherapy($Ribavirin^{(R)}$). The detection of apple viruses was accomplished by Enzyme-linked Immuno-Sorbent Assay (ELlSA) and reverse transcription-polymerase chain reaction (RT-PCR). RT- PCR method was 10 ~ 30% more sensitive than the ELISA method. The efficiency of virus elimination was enhanced in apical meristem culture method. The acquisition rate of virus-free apple dwarfing rootstocks was 30 ~ 40% higher in apical meristem culture. After the meristem culturing of M.9, the infection ratio of ACLSV, ASPV and ASGV was 45%, 60% and 50%, respectively. In the apple dwarfing rootstock of M.26, the infection ratio of ACLSV, ASPV and ASGV was 40%, 55% and 55%, respectively. Based on this study, the best method for the production of virus-free apple dwarfing rootstocks was the apical meristem culture.

Growth and Useful Component of Angelica gigas Nakai under High Temperature Stress (고온 스트레스에 따른 참당귀의 생육 및 유용성분 특성)

  • Jeong, Dae Hui;Kim, Ki Yoon;Park, Sung Hyuk;Jung, Chung Ryul;Jeon, Kwon Seok;Park, Hong Woo
    • Korean Journal of Plant Resources
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    • v.34 no.4
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    • pp.287-296
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    • 2021
  • Recently, the pace of global climate change has tremendously increased, causing extreme damage to crop production. Here, we aimed to examine the growth characteristics and useful components of Angelica gigas under extreme heat stress, providing fundamental data for its efficient cultivation. Plants were exposed to various experimental temperatures (28℃, 34℃, and 40℃), and their growth characteristics and content of useful components were analyzed. At the experimental site, the ambient and soil temperature were 19.38℃ and 21.34℃, ambient and soil humidity were 81.3 % and 0.18 m3/m3, solar radiation was 162.05 W/m2. Moreover, the soil was sandy-clay-loam (pH 6.65), with 2.66% organic matter, 868.52 mg/kg soil available phosphate, and 0.14% nitrogen. Values of most growth characteristics, including the survival rate (85%), plant height (38.66cm), and fresh and dry weight (41.3 g and 14.24 g), were the highest at 28℃. Although the highest content of useful components was observed at 34℃ (3.24%), there were no significant differences across temperatures. Growth characteristics varied across temperatures due to detrimental effects of heat stress, such as accelerated tissue aging, reduced photosynthesis, and delay of growth. Similar content of useful components across temperatures may be due to poor accumulation of anabolic products caused by impaired growth at extremely high temperatures.

Possibility of Using Non-selective Herbicides as Desiccants for Improving Soybean Harvest Efficiency (콩 수확 효율 증진을 위한 건조제로서 비선택성 제초제의 활용 가능성)

  • Won, Ok Jae;Hong, Seo yeon;Suh, Eun Ji;Park, Jae-Sung;Lee, Hong Seok;Park, Jin-Ki;Ryu, Jong-Soo;Han, Won-Young;Han, Kil Su;Song, Duk Young
    • KOREAN JOURNAL OF CROP SCIENCE
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    • v.66 no.4
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    • pp.358-364
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    • 2021
  • This study was conducted to select a desiccant and determine its concentration for safe usage to improve the harvesting efficiency of soybeans. Soybeans were treated with a desiccant (non-selective herbicide) before and after the maturation stage. The drying effect of the desiccant was higher at earlier treatment times than at the maturation stage, but the difference was not statistically significant. The higher efficacy might be related to the drying process of the leaves and stems, with most of the leaves and stems having already been dried by the time of hand harvesting. Desiccant treatments had no adverse effects on soybean yield, weight of 100 grains, seed quality, or seed germination rate compared with the untreated control. Pesticide residue analysis showed minimum residue concentration to be lower than the tolerance level of pesticide residues. In conclusion, it was confirmed that the desiccant was effective in drying soybean, and that there was no damage to the quality of soybean seeds. In addition to the drying effect, the dessicant treatment also facilitates the removal of weeds that interfere with the mechanical harvest and improves harvesting efficiency through the drying of the growth imbalanced individual. The desiccant treatment is expected to shorten the mechanical harvesting time by 1-2 weeks. It is thought that the selection of the proper cultivation period for other crops after soybean cultivation will be more advantageous.

Experimental Transplantation for the Restoration of Seagrass, Zostera marina L. Bed Around Sinyangseopji Beach in Bangdu Bay, Jeju Island (제주 신양섭지해수욕장 주변 방두만 거머리말 군락 복원을 위한 실험적 이식)

  • LEE, HYUNG WOO;KANG, JEONG CHAN;PARK, JUNG-IM;KIM, MYUNG SOOK
    • The Sea:JOURNAL OF THE KOREAN SOCIETY OF OCEANOGRAPHY
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    • v.26 no.4
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    • pp.343-355
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    • 2021
  • Eelgrass, Zostera marina L., was widely distributed around Sinyangseopji Beach in Bangdu Bay, on the eastern coast of Jeju Island, until breakwater construction in the late 1990s resulted in its complete loss. Six experimental sites were identified for restoration of the Z. marina bed in Bangdu Bay. Using the staple method, 500 Z. marina shoots were transplanted at each site in January 2019 and 2020. The transplants, along with environmental parameters, were monitored for 10 months following transplantation. There were significant differences in underwater irradiance, water temperature, and salinity among the sites, but all were suitable for Z. marina growth. The Ulva species, an opportunistic alga, appeared in spring and accumulated during summer at all sites; however, there was no significant effect of Ulva species on the survival and growth of the eelgrass transplants. Most of the transplanted Z. marina survived, and after 3 months, the density increased by 112.5-300% due to vegetative propagation, with a rapid rate of increase observed during spring and early summer at all sites. For 1-2 months after transplanting, the Z. marina shoots showed signs of transplant shock, after which the shoot density increased at all sites, confirming that all transplants adapted well to the new environment. However, in both 2019 and 2020, during late summer to early fall, the sites experienced heavy damage from typoons (twice in 2019 and three times in 2020) that hit Bangdu Bay. The transplants at two sites located in the center of Bangdu Bay were completely destroyed, but those at three sites located to the west of the bay showed a 192-312% increase in density. Thus, we confirmed that the Bangdu Bay Z. marina bed can be restored, with the highest probability of success for Z. marina restoration on the western side of Bangdu Bay, which is protected from typhoons.