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Analysis of Success Cases of InsurTech and Digital Insurance Platform Based on Artificial Intelligence Technologies: Focused on Ping An Insurance Group Ltd. in China (인공지능 기술 기반 인슈어테크와 디지털보험플랫폼 성공사례 분석: 중국 평안보험그룹을 중심으로)

  • Lee, JaeWon;Oh, SangJin
    • Journal of Intelligence and Information Systems
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    • v.26 no.3
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    • pp.71-90
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    • 2020
  • Recently, the global insurance industry is rapidly developing digital transformation through the use of artificial intelligence technologies such as machine learning, natural language processing, and deep learning. As a result, more and more foreign insurers have achieved the success of artificial intelligence technology-based InsurTech and platform business, and Ping An Insurance Group Ltd., China's largest private company, is leading China's global fourth industrial revolution with remarkable achievements in InsurTech and Digital Platform as a result of its constant innovation, using 'finance and technology' and 'finance and ecosystem' as keywords for companies. In response, this study analyzed the InsurTech and platform business activities of Ping An Insurance Group Ltd. through the ser-M analysis model to provide strategic implications for revitalizing AI technology-based businesses of domestic insurers. The ser-M analysis model has been studied so that the vision and leadership of the CEO, the historical environment of the enterprise, the utilization of various resources, and the unique mechanism relationships can be interpreted in an integrated manner as a frame that can be interpreted in terms of the subject, environment, resource and mechanism. As a result of the case analysis, Ping An Insurance Group Ltd. has achieved cost reduction and customer service development by digitally innovating its entire business area such as sales, underwriting, claims, and loan service by utilizing core artificial intelligence technologies such as facial, voice, and facial expression recognition. In addition, "online data in China" and "the vast offline data and insights accumulated by the company" were combined with new technologies such as artificial intelligence and big data analysis to build a digital platform that integrates financial services and digital service businesses. Ping An Insurance Group Ltd. challenged constant innovation, and as of 2019, sales reached $155 billion, ranking seventh among all companies in the Global 2000 rankings selected by Forbes Magazine. Analyzing the background of the success of Ping An Insurance Group Ltd. from the perspective of ser-M, founder Mammingz quickly captured the development of digital technology, market competition and changes in population structure in the era of the fourth industrial revolution, and established a new vision and displayed an agile leadership of digital technology-focused. Based on the strong leadership led by the founder in response to environmental changes, the company has successfully led InsurTech and Platform Business through innovation of internal resources such as investment in artificial intelligence technology, securing excellent professionals, and strengthening big data capabilities, combining external absorption capabilities, and strategic alliances among various industries. Through this success story analysis of Ping An Insurance Group Ltd., the following implications can be given to domestic insurance companies that are preparing for digital transformation. First, CEOs of domestic companies also need to recognize the paradigm shift in industry due to the change in digital technology and quickly arm themselves with digital technology-oriented leadership to spearhead the digital transformation of enterprises. Second, the Korean government should urgently overhaul related laws and systems to further promote the use of data between different industries and provide drastic support such as deregulation, tax benefits and platform provision to help the domestic insurance industry secure global competitiveness. Third, Korean companies also need to make bolder investments in the development of artificial intelligence technology so that systematic securing of internal and external data, training of technical personnel, and patent applications can be expanded, and digital platforms should be quickly established so that diverse customer experiences can be integrated through learned artificial intelligence technology. Finally, since there may be limitations to generalization through a single case of an overseas insurance company, I hope that in the future, more extensive research will be conducted on various management strategies related to artificial intelligence technology by analyzing cases of multiple industries or multiple companies or conducting empirical research.

Consideration on Shielding Effect Based on Apron Wearing During Low-dose I-131 Administration (저용량 I-131 투여시 Apron 착용여부에 따른 차폐효과에 대한 고찰)

  • Kim, Ilsu;Kim, Hosin;Ryu, Hyeonggi;Kang, Yeongjik;Park, Suyoung;Kim, Seungchan;Lee, Guiwon
    • The Korean Journal of Nuclear Medicine Technology
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    • v.20 no.1
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    • pp.32-36
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    • 2016
  • Purpose In nuclear medicine examination, $^{131}I$ is widely used in nuclear medicine examination such as diagnosis, treatment, and others of thyroid cancer and other diseases. $^{131}I$ conducts examination and treatment through emission of ${\gamma}$ ray and ${\beta}^-$ ray. Since $^{131}I$ (364 keV) contains more energy compared to $^{99m}Tc$ (140 keV) although it displays high integrated rate and enables quick discharge through kidney, the objective of this study lies in comparing the difference in exposure dose of $^{131}I$ before and after wearing apron when handling $^{131}I$ with focus on 3 elements of external exposure protection that are distance, time, and shield in order to reduce the exposure to technicians in comparison with $^{99m}Tc$ during the handling and administration process. When wearing apron (in general, Pb 0.5 mm), $^{99m}Tc$ presents shield of over 90% but shielding effect of $^{131}I$ is relatively low as it is of high energy and there may be even more exposure due to influence of scattered ray (secondary) and bremsstrahlung in case of high dose. However, there is no special report or guideline for low dose (74 MBq) high energy thus quantitative analysis on exposure dose of technicians will be conducted based on apron wearing during the handling of $^{131}I$. Materials and Methods With patients who visited Department of Nuclear Medicine of our hospital for low dose $^{131}I$ administration for thyroid cancer and diagnosis for 7 months from Jun 2014 to Dec 2014 as its subject, total 6 pieces of TLD was attached to interior and exterior of apron placed on thyroid, chest, and testicle from preparation to administration. Then, radiation exposure dose from $^{131}I$ examination to administration was measured. Total procedure time was set as within 5 min per person including 3 min of explanation, 1 min of distribution, and 1 min of administration. In regards to TLD location selection, chest at which exposure dose is generally measured and thyroid and testicle with high sensitivity were selected. For preparation, 74 MBq of $^{131}I$ shall be distributed with the use of $2m{\ell}$ syringe and then it shall be distributed after making it into dose of $2m{\ell}$ though dilution with normal saline. When distributing $^{131}I$ and administering it to the patient, $100m{\ell}$ of water shall be put into a cup, distributed $^{131}I$ shall be diluted, and then oral administration to patients shall be conducted with the distance of 1m from the patient. The process of withdrawing $2m{\ell}$ syringe and cup used for oral administration was conducted while wearing apron and TLD. Apron and TLD were stored at storage room without influence of radiation exposure and the exposure dose was measured with request to Seoul Radiology Services. Results With the result of monthly accumulated exposure dose of TLD worn inside and outside of apron placed on thyroid, chest, and testicle during low dose $^{131}I$ examination during the research period divided by number of people, statistics processing was conducted with Wilcoxon Signed Rank Test using SPSS Version. 12.0K. As a result, it was revealed that there was no significant difference since all of thyroid (p = 0.345), chest (p = 0.686), and testicle (p = 0.715) were presented to be p > 0.05. Also, when converting the change in total exposure dose during research period into percentage, it was revealed to be -23.5%, -8.3%, and 19.0% for thyroid, chest, and testicle respectively. Conclusion As a result of conducting Wilcoxon Signed Rank Test, it was revealed that there is no statistically significant difference (p > 0.05). Also, in case of calculating shielding rate with accumulate exposure dose during 7 months, it was revealed that there is irregular change in exposure dose for inside and outside of apron. Although the degree of change seems to be high when it is expressed in percentage, it cannot be considered a big change since the unit of accumulated exposure dose is in decimal points. Therefore, regardless of wearing apron during high energy low dose $^{131}I$ administration, placing certain distance and terminating the administration as soon as possible would be of great assistance in reducing the exposure dose. Although this study restricted $^{131}I$ administration time to be within 5 min per person and distance for oral administration to be 1m, there was a shortcoming to acquire accurate result as there was insufficient number of N for statistics and it could be processed only through non-parametric method. Also, exposure dose per person during lose dose $^{131}I$ administration was measured with accumulated exposure dose using TLD rather than through direct-reading exposure dose thus more accurate result could be acquired when measurement is conducted using electronic dosimeter and pocket dosimeter.

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The Effect of Synchronous CMC Technology by Task Network: A Perspective of Media Synchronicity Theory (개인의 업무 네트워크 특성에 따른 동시적 CMC의 영향 : 매체 동시성 이론 관점)

  • Kim, Min-Soo;Park, Chul-Woo;Yang, Hee-Dong
    • Asia pacific journal of information systems
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    • v.18 no.3
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    • pp.21-43
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    • 2008
  • The task network which is formed of different individuals can be recognized as a social network. Therefore, the way to communicate with people inside or outside the network has considerable influence on their outcome. Moreover, the position on which a member stands in a network shows the different effects of the information systems supporting communication with others. In this paper, it is to be studied how personal CMC (computer-mediated communication) tools affect the mission that those who work for a network perform through diverse task networks. Especially, we focused on synchronicity of CMC. On this score, the perspective of Media Synchronicity Theory was taken that had been suggested by criticizing Media Richness Theory. It is the objective, from this perspective, to find which characteristics of networks make the value of IT supporting synchronicity high. In the research trends of social networks, there have been two traditional perspectives to explain the effect of network: embeddedness and diversity ones. These differ from the aspect which type of social network can provide much more economic benefits. As similar studies have been reported by various researchers, these are also divided into the bonding and bridging views which are based on internal and external tie, respectively, Size, density, and centrality were measured as the characteristics of personal task networks. Size means the level of relationship between members. It is the total number of other colleagues who work with a specific member for a certain project. It means, the larger the size of task network, the more the number of coworkers who interact each other through the job. Density is the ratio of the number of relationships arranged actually to the total number of available ones. In an ego-centered network, it is defined as the ratio of the number of relationship made really to the total number of possible ones between members who are actually involved each other. The higher the level of density, the larger the number of projects on which the members collaborate. Centrality means that his/her position is on the exact center of whole network. There are several methods to measure it. In this research, betweenness centrality was adopted among them. It is measured by the position on which one member stands between others in a network. The determinant to raise its level is the shortest geodesic that represents the shortest distance between members. Centrality also indicates the level of role as a broker among others. To verify the hypotheses, we interviewed and surveyed a group of employees of a nationwide financial organization in which a groupware system is used. They were questioned about two CMC applications: MSN with a higher level of synchronicity and email with a lower one. As a result, the larger the size of his/her own task network, the smaller its density and the higher the level of his/her centrality, the higher the level of the effect using the task network with CMC tools. Above all, this positive effect is verified to be much more produced while using CMC applications with higher-level synchronicity. Among the a variety of situations under which the use of CMC gives more benefits, this research is considered as one of rare cases regarding the characteristics of task network as moderators by focusing ITs for the operation of his/her own task network. It is another contribution of this research to prove empirically that the values of information system depend on the social, or comparative, characteristic of time. Though the same amount of time is shared, the social characteristics of users change its value. In addition, it is significant to examine empirically that the ITs with higher-level synchronicity have the positive effect on productivity. Many businesses are worried about the negative effect of synchronous ITs, for their employees are likely to use them for personal social activities. However. this research can help to dismiss the concern against CMC tools.

Investigation of conservation state on the waxed volumes of annals of the Joseon Dynasty (조선왕조실록 밀납본의 보존상태 조사)

  • Jeong, So-Young;Lee, Hye-Yun;Chung, Yong-Jae;Hong, Jung-Ki;Eom, Doo-Sung
    • 보존과학연구
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    • s.25
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    • pp.119-132
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    • 2004
  • Annals of the Joseon Dynasty is the authentic record of the historical facts and events taken place throughout the entire period of 472 years(25 generations, 1392~1863)described in a chronological order. The tremendous volume of the records contains the factual events taken place in almost all the fields of the Joseon Dynasty ranging from politics, economy to history of the dynasty. Not only because of its affluent contents but also with the precision of its records, it was designated as the National Treasure No. 151 in1973 by the Korean government and also registered as the Memory of the World by UNESCO in October 1997.This study is to report a exhaustive investigation results on the conservation state of annals of the Joseon Dynasty, especially Mt. Jeongjoksan edition, under the storage of the Kyujanggak in order to obtain the current condition, and thereby to estimate the any deterioration of the waxed volumes in the future. According to results of the investigation, we are going to verify damage causes of annals of the Joseon Dynasty, and to consider scientific conservation methods for the permanent preservation of invaluable cultural heritage. The major problem with the preservation of annals has arisen particularly from the deterioration of the waxed volumes of the Mt. Jeongjoksan edition. In order to provide for the counter measures for this problem, we have conducted twice investigations(first :1998~1999, second : 2003) to the internal and external conditions of waxed volumes(Annals of King Taejo~Annals of King Myeongjong).The result of the investigation has indicated that the paper quality of the some of the waxed volumes (Annals of King Taejong~Annals of King Sejong) is cracked and folded and the pages are imbedded to each other due to the hardened or congealed wax on the paper. Some of the pages are even getting moldy. And in order to detect as to whether“ there has been any deterioration progressed to the waxed books in the modern storage facility of the Kyujanggak equipped with constant temperature and humidity condition, the first investigation(1998~1999) and the second investigation(2003) have recorded the values of acidity, whiteness and moisture rate of the waxed paper, reporting an observation that there has been no difference on the measuring items. This indicates that no virtual deterioration has been progressed so far to the waxed volumes preserved in the Kyujanggak. Also, except for the causes of deterioration to the paper by insects and microorganisms, the major cause for the paper damage seems to the change of moisture of the paper caused from the alteration of the temperature and humidity of the storage environment. With this understanding in mind, we have conducted an environmental investigation on the three selected points of the storage in the aspects of the temperature, humidity, air current, $CO_2$,HCHO, and $SO_2$.It has been observed that the temperature stood at $16.9^{\circ}C~20.2^{\circ}C$ and the humidity was stable between 53%~56% during the period of the investigation. The concentration of the carbon monoxide and carbon dioxide of the storage were very similar to those in the air. These data lead to presume that there is no problem in the aspect of carbon oxidization. But the concentration of sulfur dioxide, hydrogen sulfide and formaldehyde of the storage were detected a little higher than those of standard. Therefore, we consider that it is necessary to ventilate the internal air of the store room by means of operating air purification devices.

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Study on the Improvement of a Grain Harvester (I) -Threshing Force of Rice- (수확기(收穫機)의 성능향상(性能向上)에 관(關)한 연구(硏究)(I) - 수도(水稻)의 탈립저항력(脫粒抵抗力)에 관(關)하여)

  • Lee, Sang Woo;Hur, Yun Kun
    • Korean Journal of Agricultural Science
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    • v.8 no.2
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    • pp.224-230
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    • 1981
  • Threshing forces of seven varieties, that is, three Japonica type varieties-Irri 348, Irri 345, and Milyang 15, and four Indica type varieties-Milyang 23, Irri 342, Suweon 294 and Suweon 287-, which have been cultivated in the standard fertilization field being at Chungnam Provincial Office of Rural Development, Youseong, Chungnam-do, they were measured every other day in the period from September 28 to October 20 which were included the proper harves ting time. Also the threshing forces were checked in three-dimensional directions. Relationships between threshing forces and moisture contents of the unthreshed rice were examined in the laboratory as dried in the natural condition. The results of this study were as follows; 1. The mean threshing force of Japonica type varieties was about 1969r. and that of Indica type varieties was about 113gr. when external force was loaded in the direction parallel to the grain. 2. The threshing force bent to the grain was about 9.8through 28.2gr. equal to 7 through 21 percent to the threshing force parallel to the grain in Indica type varieties meanwhile about 59.8 through 115.0gr equal to 33 through 50 percent in Japonica type varieties. 3. Under the warmer temperature than $0^{\circ}C$, the change of threshing forces was not great in this experimental period on the harvesting dates. 4. The threshing force decreased s lightly as moisture content decreased in natural drying under the shade after cutting. 5. The threshing force of the lower portion was a little biger than that of the upper portion in an ear.

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Transformation of Asbestos-Containing Slate Using Exothermic Reaction Catalysts and Heat Treatment (발열반응 촉매제와 열처리를 이용한 석면함유 슬레이트의 무해화 연구)

  • Yoon, Sungjun;Jeong, Hyeonyi;Park, Byungno;Kim, Yongun;Kim, Hyesu;Park, Jaebong;Roh, Yul
    • Economic and Environmental Geology
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    • v.52 no.6
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    • pp.627-635
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    • 2019
  • Cement-asbestos slate is the main asbestos containing material. It is a product made by combining 10~20% of asbestos and cement components. Man- and weathering-induced degradation of the cement-asbestos slates makes them a source of dispersion of asbestos fibres and represents a priority cause of concern. When the asbestos enters the human body, it causes cellular damage or deformation, and is not discharged well in vitro, and has been proven to cause diseases such as lung cancer, asbestos, malignant mesothelioma and pleural thickening. The International Agency for Research on Cancer (IARC) has designated asbestos as a group 1 carcinogen. Currently, most of these slats are disposed in a designated landfill, but the landfill capacity is approaching its limit, and there is a potential risk of exposure to the external environment even if it is land-filled. Therefore, this study aimed to exam the possibility of detoxification of asbestos-containing slate by using exothermic reaction and heat treatment. Cement-asbestos slate from the asbestos removal site was used for this experiment. Exothermic catalysts such as calcium chloride(CaCl2), magnesium chloride(MgCl2), sodium hydroxide(NaOH), sodium silicate(Na2SiO3), kaolin[Al2Si2O5(OH)4)], and talc[Mg3Si4O10(OH)2] were used. Six catalysts were applied to the cement-asbestos slate, respectively and then analyzed using TG-DTA. Based on the TG-DTA results, the heat treatment temperature for cement-asbestos slate transformation was determined at 750℃. XRD, SEM-EDS and TEM-EDS analyses were performed on the samples after the six catalysts applied to the slate and heat-treated at 750℃ for 2 hours. It was confirmed that chrysotile[Mg3Si2O5(OH5)] in the cement-asbestos slate was transformed into forsterite (Mg2SiO4) by catalysts and heat treatment. In addition, the change in the shape of minerals was observed by applying a physical force to the slate and the heat treated slate after coating catalysts. As a result, the chrysotile in the cement-asbestos slate maintained fibrous form, but the cement-asbestos slate after heat treatment of applying catalyst was broken into non-fibrous form. Therefore, this study shows the possibility to safely verify the complete transformation of asbestos minerals in this catalyst- and temperature-induced process.

Effects of Salts and Acid Solutions on the Weathering of Granite (화강암의 풍화에 미치는 염분과 산성용액의 영향)

  • Shon, Byung-Hyun;Jung, Jong-Hyeon;Kim, Hyun-Gyu;Yoo, Jeong-Gun;Lee, Hyung-Kun
    • Journal of Korean Society of Environmental Engineers
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    • v.27 no.1
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    • pp.101-108
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    • 2005
  • Because the stone cultural properties located outdoors, they have been altered and deteriorated in external appearance due to environmental factors such as acid rain, extreme change in temperature, and salts. Damage to stone cultural properties is accelerated particularly due to recent industrial development and environmental pollution. An experimental study was conducted to evaluate the effect of environmental contaminants on the weathering of granite. And as part of the developing of conservation method, $TiO_2$ catalyst was prepared and tested. When fresh granite was dipped into the salt and acid solutions, dissolution rate of eight minerals (Si, Mg, Ca, Na, K, Fe, Mn, Al) are abruptly increased at initial stage of reaction and then increased steadily until 100 cycles. After salt and acid solution experiments, the mineral compositions of the granite surface were lower then that of the fresh granite and density of the weathered granite was steadily decreased from $2.60\;g/cm^3$ to $2.56\;g/cm^3$, but Poissions ratio and absorption ratio were slightly increased. It was expected at stone cultural assets could be weathered by salts and acid rain. In the case of $TiO_2$ was coated to the granite, the dissolution rate of minerals and absorption ratio of $TiO_2$ coated granite were decreased. Therefore, the $TiO_2$ coating method tested in this study considered to be a viable method to assist in the conservation of stone cultural properties from environmental contaminants.

Effects of Total Sleep Deprivation on Mood States of Normal Adults (전수면박탈이 정상성인의 기분상태에 미치는 영향)

  • Kim, Hyun;Kim, Leen;Suh, Kwang-Yoon
    • Sleep Medicine and Psychophysiology
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    • v.7 no.2
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    • pp.88-95
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    • 2000
  • Objectives: The object of this experiment was to evaluate the effect of sleep deprivation on mood states of normal adults using a subjective scale and an objective scale, minimizing the effect of other factors other than that of sleep deprivation. Methods: Seventy volunteers were first participated in this sleep deprivation schedule, and 36 of them completed this experiment. The subjects and the control group members were all in their early 20's (mean $age=20.8{\pm}1.35$ vs $20.6{\pm}1.10$) and in good health. A log was checked by these subjects from a week before the laboratory study started. Drugs, alcohol and beverages containing any caffeine had been prohibited for a week before and during sleep deprivation periods. The study was performed only in summer to control other factors like sunlight, temperature and moisture. Before this experiment, the subjects had slept adequately for a week at least. On day 1 of the experiment the subjects got up at 6 a.m. and stayed in a sleep laboratory without sunlight or external noises. They could only go about their daily routines. They were forbidden to have a nap and be drowsy. GVA (Global Vigor and Affect) and MADRS (Montgomery-Asberg Depression Rating Scale) were checked 11 times. The data was analysed focusing on the changing mood states. Results: The mood during sleep deprivation became worse as the sleep deprivation time progressed. Especially 20 hours ($GA=59.25{\pm}8.06$, $MADRS=3.43{\pm}1.25$) and 40 hours ($GA=38.83{\pm}9.22$, $MADRS=6.08{\pm}1.46$) after sleep deprivation, there were significant changes compared to the control group ($MADRS=6.08{\pm}1.46$ vs $1.07{\pm}1.18$, p<0.001). Conclusions: While controlling factors other than sleep deprivation might have had some influence on mood changes, significant mood changes during sleep deprivation were observed. The mood states became worse as the sleep deprivation progressed.

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Characteristics of Fish Fauna and Community Structure in Yongdam Reservoir by Inhabiting Environment Changes (서식환경이 변화된 용담호의 어류상 및 어류군집 특성)

  • Yang, Sang-Geun;Cho, Yong-Chul;Yang, Hyun;Kang, Eon-Jong
    • Korean Journal of Environmental Biology
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    • v.30 no.1
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    • pp.15-25
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    • 2012
  • From April to November 2009, we performed field investigation to survey the characteristics of fish fauna and fish community structure inhabited in Yongdam reservoir in the upper Geumgang, which is changed into flat-water zone from flow-water zone by blocking the continuity by the gigantic submerged weir built in the upstream of Geumgang. 15 species belonging to 8 families were collected from natural habitat (St. 1) where its natural characteristics is well preserved, and 11 species were korean endemic fish species. 24 species belonging to 10 families were collected at the down region of Yongdam dam (St. 3), which might be affected by the change of water environment due to the dam, and 11 species were korean endemic fish species. On the other hand, 20 species belonging to 7 families were collected inside Yongdam reservoir (St. 2) which is changed into flat-water zone from flow-water zone by the dam reservoir, and 6 species were korean endemic fish species. In the dam reservoir, due to Yongdam dam built in the upper Geumgang, the original flow-water zone fish such as $Acheilognathus$ $koreensis$, $Pseudopungtungia$ $nigra$, $Coreoleuciscus$ $splendidus$, and $Gobiobotia$ $macrocephala$ were disappeared, and instead, the kinds of fish habitating in the flat-water zone tend to increase rapidly, such as $Carassius$ $auratus$, $Opsarichthys$ $uncirostris$ $amurensis$, $Hemiculter$ $eigenmanni$, $Zacco$ $platypus$, and $Lepomis$ $macrochirus$. Relative abundance of the insective fish was 66.7% at St. 1, 40.0% at St. 2, and 54.2% at St. 3. In order to preserve endemic fish species and aquatic ecosystem, it is desirable to minimize the artificial installation in the upper river, such as a large scale dam which can affect the habitat and if inevitable, it is required to prepare preservation measures when building facilities.

Evaluation of Ecosystem Service for Distribution of Korean fir using InVEST Model (InVEST모델을 이용한 생태계서비스의 가치 평가 - 구상나무 분포지를 대상으로 -)

  • Choi, Jiyoung;Lee, Sangdon
    • Journal of Environmental Impact Assessment
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    • v.27 no.2
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    • pp.181-193
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    • 2018
  • The present study was conducted to analyze the quality of the habitats of Abies koreana WILS. by using the InVEST model based on the analytic hierarchy process (AHP) technique and to evaluate the economic value by estimating the carbon fixation. Abies koreana WILS., an original biological species of South Korea, may be an essential element in establishing the national biological sovereignty in the future. The subjects of the present study were the national parks in Mt. Halla, Mt. Jiri, and Mt. Sobaek, which are the habitats of Abies koreana WILS. As suggested by previous studies as a limitation of the InVEST model, the utilization of the data from relevant international publications as the input data, due to the lack of the domestic input data, may decrease the accuracy of the modeling. Therefore, the AHP technique was applied for the input data. The modeling was performed with reference to the years of 1980, 1990, and 2000 for the scenario analysis. The result of the modeling showed that the habitat quality was changed most in the national park in Mt. Halla, as the habitat quality score was decreased from 0.96 in 1980 to 0.97 in 1990 and 0.94 in 2000. In the national part of Mt. Sobeak, the habitat quality was changed most in the sub-alpine zone, as the habitat quality score was decreased from 0.98 in 1980 and 0.98 in 1990 to 0.97 in 2000. The habitat quality was best conserved in the national part in Mt. Jiri, as the habitat quality score was 0.98 in 1980, 0.99 in 1990, and 0.99 in 2000. The estimated economic loss by the change of the habitat quality was 19,280,000 USD for Mt. Halla and 8,030,000 USD for Mt. Sobeak. In the present study, the habitat quality of the Abies koreana WILS, the original species of South Korea, was evaluated and the economic value of the ecological services provided by the habitats was estimated quantitatively. The result showed that the ecosystem service model may be used to qualitatively analyze the quality of a habitat located in a specific region and to estimate the economic value quantitatively. The objective evaluation of ecosystem services demonstrated in the present study may be applied to promote sustainable utilization of natural resources and conservation of the ecosystem by predicting the changes that may be caused by external factors including the development of preservation areas.