• 제목/요약/키워드: Index Insurance

검색결과 310건 처리시간 0.026초

자본시장통합법 시행 전후의 손해보험산업의 효율성 및 생산성 변화 분석 (Analysis on the Efficiency and Productivity Change of Non-Life Insurance Industry between Pre-Execution and Post-Execution of Capital Market Law)

  • 강호정
    • 한국콘텐츠학회논문지
    • /
    • 제11권12호
    • /
    • pp.403-412
    • /
    • 2011
  • 2009년 2월 4일부터 시행된 자본시장통합법은 자본시장 관련 금융 산업의 구조조정을 촉진시켜 겸업화, 통합을 통한 대형화가 가속화 될 것으로 예상되어 손해보험을 둘러싼 경쟁이 가속화 되고 있다. 이러한 상황에서 본 연구의 목적은 DEA 모형과 맘퀴스트 지수를 이용하여 생보산업의 자본시장통합법 전후 2년간의 효율성과 생산성 변화를 분석하고 더 나아가 토빗 회귀분석을 이용하여 효율성을 결정하는 요인을 추가적으로 찾아내는데 있다. 본 연구결과는 다음과 같다. 첫째 자본시장법 시행 전후의 효율성은 자본시장법 시행 전에 비하여 시행 후에 기술효율성과 순수기술효율성 및 규모효율성 모두가 유의적으로 증가한 것으로 나타났다. 둘째, 자본시장법 시행 전후의 생산성은 자본시장법 시행 전에 비하여 시행 후에 유의적으로 증가한 것으로 나타났다. 셋째, 기술효율성에 유의적인 영향을 미치는 변수는 설계사 비중, 순수기술효율성에 유의적인 영향을 미치는 변수는 자산운용률, 규모효율성에 유의적인 영향을 미치는 변수는 기업규모, 자산운용률, 설계사 비중으로 나타났다.

자본시장법 시행 전·후 생명보험 산업의 상대적 효율성 및 생산성 (Relative Efficiency and Productivity of Life Insurance Industry to Pre and Post-execution of Capital Market Law)

  • 김미경;박희정;강호정
    • 한국콘텐츠학회논문지
    • /
    • 제14권8호
    • /
    • pp.394-405
    • /
    • 2014
  • 본 연구는 생명보험산업의 자본시장법 시행 전 2005년부터 2008년까지의 자료와 시행 후 2009년부터 2012년까지의 자료를 토대로 첫째, 자료포락분석을 이용하여 자본시장법 시행 전 후의 효율성 분석을 하고, 대응표본 t-검정을 통해 시행 전 후의 효율성 차이를 살펴보았다. 둘째, 맘퀴스트 지수를 이용하여 자본 시장법 시행 전 후의 생산성 변화를 분석하고 대응표본 t-검정을 통해 생산성 변화 차이를 파악하였다. 셋째, 토빗 회귀분석을 이용하여 자본시장법 시행 전 후 효율성 결정요인을 분석하였다. 본 연구결과는 첫째, 자본시장법 시행 전 후 효율성 평균의 차이가 통계적으로 유의적인 차이가 없는 것으로 나타났다. 둘째, 자본시장법 시행 전 후 생산성 변화의 차이가 5% 수준에서 통계적으로 유의적인 차이가 나타나 시행 후 생산성이 증가하였음을 보여주고 있다. 셋째, 토빗 회귀분석 결과를 보면 설계사 비중이 자본시장법 시행 전 후의 효율성에 통계적으로 유의적인 정의 영향을 미치는 것으로 나타났다.

우리나라 당뇨병 환자의 지료 지속성 및 이에 영향을 미치는 요인 (Continuity of Care of Patient with Diabetes and Its Affecting Factors in Korea)

  • 윤채현;이신재;주수영;문옥륜;박재현
    • Journal of Preventive Medicine and Public Health
    • /
    • 제40권1호
    • /
    • pp.51-58
    • /
    • 2007
  • Objectives : The objectives of this study were to estimate the continuity of care for all Koreans with diabetes and to identify factors affecting the continuity of care. Methods : We obtained National Health Insurance claims data for patients with diabetes who visited health-care providers during the year 2004. A total of 1,498,327 patients were included as study subjects. Most Frequent Provider Continuity (MFPC) and Modified, Modified Continuity Index (MMCI) were used as indexes of continuity of care. A multiple linear regression analysis was used to identify factors affecting continuity of care. Results : The average continuity of care in the entire population of 1,498,327 patients was $0.89{\pm}0.17$ as calculated by MFPC and $0.92{\pm}0.16$ by MMCI. In a multiple linear regression analysis, both MFPC and MMCI were lower for females than males, disabled than non-disabled, Medicaid beneficiaries than health insurance beneficiaries, patients with low monthly insurance contributions, patients in rural residential areas, and patients whose most frequently visited provider is the hospital. Conclusions : The continuity of care for patients with diabetes is high in Korea. However, women, the disabled and people of low socio-economic status have relatively low continuity of care. Therefore, our first priority is to promote a diabetes management program for these patients.

사회경제적 위치와 유방암 수술 후 총 사망위험과의 관련성 (Association Between Socioeconomic Status and All-Cause Mortality After Breast Cancer Surgery: Nationwide Retrospective Cohort Study)

  • 박미진;정우진;이선미;박종혁;장후선
    • Journal of Preventive Medicine and Public Health
    • /
    • 제43권4호
    • /
    • pp.330-340
    • /
    • 2010
  • Objectives: This study aims to evaluate and explain the socioeconomic inequalities of all-cause mortality after breast cancer surgery in South Korea. Methods: This population based study included all 8868 females who underwent radical mastectomy for breast cancer between January 2002 and June 2003. Follow-up for mortality continued from January 2002 to June 2006. The patients were divided into 4 socioeconomic classes according to their socioeconomic status as defined by the National Health Insurance contribution rate. The relationship between socioeconomic status and all-cause mortality after breast cancer surgery was assessed using the Cox proportional hazards model with adjusting for age, the Charlson’s index score, emergency hospitalization, the type of hospital and the hospital ownership. Results: Those in the lowest socioeconomic status group had a significantly higher hazard ratio of 2.09 (95% CI =1.50 - 2.91) compared with those in the highest socioeconomic group after controlling for all the identifiable confounding variables. For allcause mortality after radical mastectomy, all the other income groups showed significantly higher 3-year mortality rates than did the highest income group. Conclusions: The socioeconomic status of breast cancer patients should be considered as an independent prognostic factor that affects all-cause mortality after radical mastectomy, and this is possibly due to a delayed diagnosis, limited access or minimal treatment leading to higher mortality. This study may provide tangible support to intensify surveillance and treatment for breast cancer among low socioeconomic class women.

만성질환자의 상용치료원 이용과 복약순응도 간의 관계 (The Association between having a Usual Source of Care and Adherence to Medicines in Patients with Chronic Diseases)

  • 정연;변진옥
    • 한국임상약학회지
    • /
    • 제26권2호
    • /
    • pp.128-136
    • /
    • 2016
  • Objective: This study was to explore the association between having a usual source of care and adherence to medicines in patient with chronic diseases. Methods: The 2012 Korea Health Panel was used as a data source. We analyzed 4,418 respondents that were diagnosed with chronic diseases and utilized health care services. Non-adherence to medication, a dependent variable, was defined as "not taking the medicines that were prescribed for treating chronic disease" or "not following the direction for medication". Whether having a usual source of care or not was used as a key independent variable, which was defined as having a regular site or a regular doctor for medical test, treatment, and consultation. Sex, age, education level, marital status, income, the type of health insurance, the number of chronic disease and CCI (Charlson Comorbidity Index) were included as covariates in the analysis. We conducted a multivariate logistic regression. Results: Totally, 30 percent of respondents reported to experience non-adherence to medication. Having a usual source of care was significantly associated with lower non-adherence to medication regardless its type, which is a regular doctor (OR=0.61, 95% CI=0.53-0.70) or a regular site (OR=0.67, 95% CI=0.58-0.78). Furthermore, having a usual source of care was associated with both of medication persistence (OR=0.66, 95% CI=0.54-0.81) and compliance (OR=0.65, 95% CI=0.56-0.76). Conclusion: Our results showed the possibility that usual source of care is able to conduct a positive role in improving adherence to medication with better management of chronic disease.

The Influence of Comorbidities on Reoperations Following Primary Surgery of Lumbar Degenerative Diseases : A Nationwide Population-Based Retrospective Cohort Study from 2009-2016

  • Park, Hyung-Ki;Park, Su-Yeon;Lee, Poong-Hhoon;Park, Hye-Ran;Park, Sukh-Que;Cho, Sung-Jin;Chang, Jae-Chil
    • Journal of Korean Neurosurgical Society
    • /
    • 제63권6호
    • /
    • pp.730-737
    • /
    • 2020
  • Objective : Spinal degeneration is a progressive disease, worsening over time. Lumbar degenerative disease (LDD) is a major spinal disease in elderly patients. Surgical treatment is considered for medically intractable patients with LDD and reoperation after primary surgery is not uncommon. The surgical outcome is occasionally unpredictable because of comorbidities. In the present study, the relationship between comorbidities and the incidence of reoperation for LDD over time was determined. Methods : The claims data of the health insurance national database were used to identify a cohort of patients who underwent spinal surgery for LDD in 2009. The patients were followed up until 2016. Medical comorbidity was assessed according to the Charlson comorbidity index (CCI). Cox proportional hazard regression modeling was used to identify significant differences in sex, surgery, age, causative disease, and comorbidity. Results : The study cohort included 78241 patients; 10328 patients (13.2%) underwent reoperation during the observation period. The reoperation rate was statistically higher (p<0.01) in males, patients 55-74 years and 65-74 years of age, and patients with decompression or discectomy. Significant association was found between increasing reoperation rate and CCI score (p<0.01). Based on multivariate analysis of comorbidities, the significantly higher reoperation rates were observed in patients with peripheral vascular disease, pulmonary lung disease, peptic ulcer, diabetes, and diabetes complications (p<0.01). Conclusion : The study results indicate the reoperation rate for LDD is associated with patient comorbidities. The comorbidities identified in this study could be helpful in future LDD studies.

Comparison of bond strengths of ceramic brackets bonded to zirconia surfaces using different zirconia primers and a universal adhesive

  • Lee, Ji-Yeon;Ahn, Jaechan;An, Sang In;Park, Jeong-won
    • Restorative Dentistry and Endodontics
    • /
    • 제43권1호
    • /
    • pp.7.1-7.7
    • /
    • 2018
  • Objectives: The aim of this study is to compare the shear bond strengths of ceramic brackets bonded to zirconia surfaces using different zirconia primers and universal adhesive. Materials and Methods: Fifty zirconia blocks ($15{\times}15{\times}10mm$, Zpex, Tosoh Corporation) were polished with 1,000 grit sand paper and air-abraded with $50{\mu}m$ $Al_2O_3$ for 10 seconds (40 psi). They were divided into 5 groups: control (CO), Metal/Zirconia primer (MZ, Ivoclar Vivadent), Z-PRIME Plus (ZP, Bisco), Zirconia Liner (ZL, Sun Medical), and Scotchbond Universal adhesive (SU, 3M ESPE). Transbond XT Primer (used for CO, MZ, ZP, and ZL) and Transbond XT Paste was used for bracket bonding (Gemini clear ceramic brackets, 3M Unitek). After 24 hours at $37^{\circ}C$ storage, specimens underwent 2,000 thermocycles, and then, shear bond strengths were measured (1 mm/min). An adhesive remnant index (ARI) score was calculated. The data were analyzed using one-way analysis of variance and the Bonferroni test (p = 0.05). Results: Surface treatment with primers resulted in increased shear bond strength. The SU group showed the highest shear bond strength followed by the ZP, ZL, MZ, and CO groups, in that order. The median ARI scores were as follows: CO = 0, MZ = 0, ZP = 0, ZL = 0, and SU = 3 (p < 0.05). Conclusions: Within this experiment, zirconia primer can increase the shear bond strength of bracket bonding. The highest shear bond strength is observed in SU group, even when no primer is used.

한국 농수산물 수출업체의 무역보험상품 이용에 관한 실증분석 (An Empirical Study on the Use of Trade Insurance by Korea Agricultural and Marine Products Trading Companies)

  • 박명섭;박영현
    • 무역상무연구
    • /
    • 제66권
    • /
    • pp.285-312
    • /
    • 2015
  • Export and import of food, agriculture, forestry, fishery products are suffering from low growth rate due to the European financial crisis, global recession, and Japan's 2012 export expansion following the aftermath of 2011 earthquake. Upon the signing and enactment of Free Trade Agreement with the U.S. and the EU, agriculture and fishery product have become the center of attention. Agriculture and fishery was reported to be 80million dollars, 1.46% of total national export, in 2012. Starting from2000, South Korea's government began its effort to expand agriculture and fishery export and as a result, export has steadily increased despite decreased consumption led by global recession. K-Sure has started an insurance program with the purpose of promoting SME business's export. It protects SME business against risk arising from credit, emergency, bad debt, and domestic price increase. This study aims to evaluate the service quality of K-Sure's insurance program via surveying SME businesses in the agriculture and fishery industry. Also this study will identify key service factors for SME businesses and explore ways to expand SME exports of agriculture and fishery by analyzing consumer satisfaction index. Results indicated service product quality factor, service communication quality factor, and social quality factor was key to improving consumer satisfaction for SME businesses in agriculture and fishery industry. Service product quality factor had a negative effect on consumer satisfaction in term of variety and results indicated that service communication quality factor's responsiveness element had minimal impact on consumer satisfaction. Conversely, all elements for social quality factor had positive effects on consumer satisfaction. Thus, leading to the conclusion that improvements in service product quality factor and service communication quality factor will indeed increase consumer satisfaction.

  • PDF

우리나라 치과 외래의료비 지출규모와 치과 외래의료비 지출에 미치는 요인 (Expenditure in ambulatory dental care and factors related to its spending)

  • 김혜성;김명기;신호성
    • 보건행정학회지
    • /
    • 제22권2호
    • /
    • pp.207-224
    • /
    • 2012
  • This study estimates the total health expenditure of ambulatory dental care and explores the factors related to disbursements. The study used two waves of a 2008 Korea Health Panel (KHP) survey, of which each wave is composed of 7866 households and 24,659 persons. The KHP includes missing expanses of reimbursement data of the National Health Insurance (NHI), such as out-of-pocket, drugs, and private health insurance. The study estimates total monthly ambulatory dental expenditure and the sub-special categories of dental care. For influential factors analyses, the study exploits log-linear model with age, gender, education, job, equivalence income, the status of chronic diseases, means-tested benefit recipients, private insurance, and the composite deprivation index as independent variables. The total monthly outpatient health spending is estimated to be 102,468 won per household, and for dental, each household spends 31,115 won per month. Older age, means-test recipients, non-regular workers are more likely to spend less money on dental care, whereas private insurers, high income, and those who live in less deprived areas are more likely to spend more money for dental services. From the study we found that the KHP data are more suitable to estimate the total amount of health care markets, especially when the NHI coverage is low, such as for dental care in Korea.

국민건강보험 12년 표본코호트자료를 이용한 프로톤펌프억제제 사용과 골절 위험의 연관성 (Association of Proton Pump Inhibitor Use and Risk of Fracture Based on the National Health Insurance Sample Cohort Database (2002~2013))

  • 김종주;장은진;조준우;손현순
    • 한국임상약학회지
    • /
    • 제29권3호
    • /
    • pp.147-155
    • /
    • 2019
  • Objectives: The purpose of this study was to investigate the association between fracture risk and proton pump inhibitor (PPI) use to establish evidence for defining high-risk groups of fracture among PPI users. Methods: A case-control study was performed using the National Health Insurance Sample Cohort Database from January 2002 to December 2013. The cases included all incidences of major fractures identified from January 2011 to December 2013, and up to four controls were matched to each case by age, gender, osteoporosis, and Charlson comorbidity index. Conditional logistic regression was used to calculate the adjusted odds ratio (aOR) and associated 95% confidence interval (CI). Results: Overall, 14,295 cases were identified, and 63,435 controls were matched to the cases. The aOR of fractures related to the use of PPIs was 1.06 (95% CI: 1.01-1.11). There was a statistically significant association between fracture and PPI use within 3 months of the last dose, and a trend of increasing fracture risk with increasing cumulative PPI dose. The risk of fracture was significantly higher in patients who took PPIs for more than 1 year during the 2-year observation period. Conclusion: Patients who have been using PPIs for more than 1 year should be warned about the risk of fracture during or at least 3 months after discontinuing the PPI.