• 경영과학
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• 제19권2호
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• pp.205-220
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• 2002

As the business structure of many industries changes under IT progress and internet economy, the customer information has emerged a key factor in setting up the management policy. The customer has come to replace the product as a central figure in business competition. The domestic life insurance market has also experienced the rapid structural changes in IT time. The competition in the insurance industry to maintain the existing membership and to attract the new members gets stronger under such a new business circumstance. Accordingly, it is necessary for an individual insurance company to develop a systematic marketing plan, based on the customer information, to be competitive in the market. Unlike other studies in which customer characteristics are neglected, this study attempts to utilize the customer information by applying the data mining technique, and then suggests an efficient marketing strategy that could prevail in the competitive business environment.

• 보험의학회지
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• 제4권1호
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• pp.101-109
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• 1987

The present study was undertaken to establish the standard body weight by height in Korean adults by using the actually measured heights and weights of a total of 5,496 insured persons who were examined medically at the Honam Medical Room of Dong Bang Life Insurance Company, Ltd. from January, 1983 to January, 1986. The results were as follows: 1. The linear regression equations to establish the standard body weight of Korean adults were as follows: In male, for $18{\sim}19$ age group, $y=7.272{\times}10^{-6}{\times}x^3+23.560$ for $20{\sim}29$ age group, $y=8.187{\times}10^{-6}{\times}x^3+22.031$ for $30{\sim}39$ age group, $y=8.627{\times}10^{-6}{\times}x^3+23.169$ for $40{\sim}49$ age group, $y=9.561{\times}10^{-6}{\times}x^3+20.994$ and for $50{\sim}59$ age group, $y=8.604{\times}10^{-6}{\times}x^3+23.801$ In female, for $18{\sim}19$ age group, $y=8.252{\times}10^{-6}{\times}x^3+18.920$ for $20{\sim}29$ age group, $y=7.715{\times}10^{-6}{\times}x^3+22.409$ for $30{\sim}39$ age group, $y=8.808{\times}10^{-6}{\times}x^3+21.439$ for $40{\sim}49$ age group, $y=9.691{\times}10^{-6}{\times}x^3+21.940$ and for $50{\sim}59$ age group, $y=12.500{\times}10^{-6}{\times}x^3+11.031$ 2. The standard age, height, and weight tables by author were presented with the aid of linear regression equations. 3. The values of standard body weight by height established by author reveal to be a little higher than those of other Korean reports through all age groups of both sexes, and reveal to be considerably similar, compared with those of the reports in Japan for fourth and sixth decade of female group.

• 보험의학회지
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• 제3권1호
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• pp.103-141
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• 1986

The present study was undertaken to establish the decision standard of builds for the insured by using the ratio of weight-for-height as build index. Materials being examined were the ratio of weight-for-height being calculated from the actually measured heights and weights of a total of 15,838 insured persons who were examined medically at Honam Medical Department of Dong Bang Life Insurance Company, Ltd. from June, 1979 to September, 1985. The ratio of weight-for-height is calculated by the following formula. The ratio of weight-for-height(%)=$\frac{weight(kg){\times}100}{\{height(cm)-100\}{\times}0.9(kg)$ The results were as follows: 1. The distribution of the ratio of weight. for-height of the 15,838 insureds follows Log normal distribution being skewed to the left(the direction of underweight). 2. The ratio of weight-for-height were Log transformed to lead to a sym metrical pattern of distribution in which statistical rules are known to be applied more exactly. Thereafter, the establishment of dicision standard of builds was undertaken by using the log of the ratio of weight-for-height as build index. Through all ages in male, the ratio of weight-for-height indicating the range of standard lives including slight overweighted and underweighted lives besides normal lives is 80-130%, and corresponds to $"M-2{\delta}"-"M+1.5{\delta}"$ and to $M{\pm}20%$ ; in female, 85-135%, and corresponds to $"M-2{\delta}"-"M+1.5{\delta}"$ and to $M{\pm}20%$. Through all ages in male, the ratio of weight-for-height indicating the initial level of super-overweighted and super-underweighted lives is 130-150% and 75-80%,and corresponds to $M+3{\delta}\;and\;M-3{\delta}$ and to M+40% and M-25% respectively;in female, 140-160% and 75-80%, and corresponds to $M+3{\delta}\;and\;M-3{\delta}$ and to M+40%-+50% and M-25% respectively. 3. Author's rating table model for builds(a table of weight per height) is proposed. On the table, the ratings for builds, i. e. standard, super-weighted and super-underweighted lives, are listed.

• 한국산학기술학회논문지
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• 제12권7호
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• pp.2982-2990
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• 2011

본 연구는 파생상품사용이 국내생명보험회사의 기업가치에 미치는 영향을 분석하였다. 국내에서 영업중인 20개 생명보험회의 2002년부터 2009년까지 자료를 사용하여 전체표본에 대한 횡단면분석법으로 접근하였으며 다중회귀 분석모형을 사용하였다. 분석 결과로 파생상품사용액은 기업가치에 미치는 영향이 유의하지 않았으며 레버리지, 대출 수익률, 저축성상품 구성비율, 사업비용 비율이 감소할 수록 기업가치가 증대하는 것으로 나타났다.

• 재무관리연구
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• 제25권4호
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• pp.183-212
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• 2008

본 논문은 $2001{\sim}2005$사업 연도까지 5년간 패널자료로 국내 10개 손해보험회사를 대상으로 비모수적 방법인 DEA-CCR, BCC 모형과 DEA/Window 모형을 이용하여 정태적, 동태적 효율성 변화를 살펴보고, 효율성 결정요인과 관련 다양한 방법으로 비교하기 위해 가중최소자승추정법(GLS), 토빗 모형(Tobit model), 고정효과 모형(Fixed effect model), 확률효과 모형(Random effect model)을 이용한 정태적 패널 모형, 일반화적률추정법(GMM)을 이용한 동태적 패널모형으로 살펴 보았다. 첫째, 정태적 효율성 분석결과 평균 기술효율성은 15.5%의 비효율성을 가지고 있는 것으로 나타났으며, 이러한 비효율성은 규모비효율성에 더 큰 원인이 있는 것으로 나타났다. 둘째, 안정성 여부를 판단하기위한 동태적 효율성 분석결과 기간에 따라 각 손해보험회사별로 표준편차, LDP, LDY 값이 차이를 나타내고 있었다. 셋째, 기술효율성 결정요인 분석 결과 고정효과 모형의 설명력이 다른 모형들보다 높았고, GMM은 모든 결정요인들에 대해 유의적으로 나타났다. 그리고 기술효율성 증대를 위해서는 토지, 건물같은 부동산 비중 축소를 통한 수입보험료 증대가 가장 중요한 것으로 나타났다.

• 산업경영시스템학회지
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• 제22권51호
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• pp.199-210
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• 1999

The number of car accident is Recently on the increase in Korea because of the explosive increase of cars, the poor road condition, the lack of safety facility, and others. The insurant with a accident has to decide whether receiving a insurance or not. In this paper, we represent a reasonable decision support material by calculating the approximate insurance fee based on the discount rate and premium additive rate, which is changed by the accident type and the accident expenditure. Practically, there is difference in the standard insurance rate and premium additive rate according to the accident type and the accident expenditure in Korea. The premium additive rate is assessed considering the number of accident, the pattern of accident, and the reason of accident for 3 years. In this paper, we represent a decision making method considering not only the first-time car accident but also the future car accident. For considering the repeated accident, we analyzed the real data accumulated until the year of 1996 from S Insurance Company, and estimated the probability density function between the first and the second-time accident, and executed the goodness of fit test using ARENA and STATISTICA software. Using this conditional PDF, we can calculate the insurance fee next 3 years and compare the insurance fee with the equivalent present value of cash flows. The program performing this analysis is represented, and written in VISUAL BASIC Language. We tried to suggest an accurate guideline for the insurant to decide the insurance coverage rationally, and tried to correct a wrong idea of dependence on the car insurance only by the amount of the accident expenditure. And we expect this study can generally be applied to many different accident types under the uncertain circumstances in our daily life.

• 시큐리티연구
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• 제32호
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• pp.151-176
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• 2012

현재 보험범죄는 해마다 증가하고 있으나 정부차원에서 보험범죄를 적발하거나 방지하기 위한 전문조직은 미비한 실정이다. 이러한 보험범죄로 인한 피해는 인명과 국민경제 측면에서 매우 심각한 실정이다. 보험범죄는 보험회사의 경영수지를 악화시키는 것은 물론이고, 보험금의 부정유출로 인해 보험사의 손해율을 악화시킴으로써 보험사 부실의 원인이 될 수 있다. 이는 결국 보험사의 보험료 인상으로 이어져 결국, 보험가입자의 보험료 인상이라는 문제를 야기시킨다. 이러한 이유로 1996년부터 보험회사들은 보상조직 내에 보험사기를 전문적으로 조사하기 위한 보험범죄특별조사팀(Special Investigation Unit, SIU)을 구성하기 시작하였다. 하지만 현재의 SIU는 보험범죄의 예방을 위한 다양한 업무를 효율적으로 수행하기에는 아직 그 인력과 재원이 부족한 수준이다. 따라서 본 연구는 갈수록 심각한 사회문제로 주목받고 있는 보험범죄를 실제 현장에서 담당하고 있는 SIU 구성원을 대상으로 현재의 근무환경과 보험범죄에 대한 일반적 인식이 그들의 직무만족에 미치는 영향에 대하여 알아보았다. 본 연구는 이러한 현장조사 분석을 바탕으로 현재 SIU 구성원들의 보험범죄 인식 및 근무 환경을 분석하고, 직무만족 향상을 통하여 구축할 수 있는 효과적인 보험범죄 대응 방안을 마련하는 데에 목적이 있다.

• 보험의학회지
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• 제2권1호
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• pp.152-181
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• 1985

A statistical analysis on the cardiothoracic ratio in insurance medicine was carried out for 5,200 insured persons who were medically examined including photofluorography of the chest at the Honam medical department, Dong Bang life insurance Company, Ltd from November, 1979 to August, 1984. The results were as follows: 1. The mean value of the cardiothoracic ratio in all of the insured was $44.2{\pm}4.3%$. The mean value of the cardiothoracic ratio was $43.1{\pm}4.1%$ in all males and $45.2{\pm}4.2%$ in all females, and the difference of the values between males and females showed statistical significance(P<0.001). In each age group, the mean value of the cardiothoracic ratios of female was higher than that of male without exception and the difference of the values between males and females showed statistical significance(P<0.001). The mean value of the cardiothoracic ratio showed gradual increase with age from the second to sixth decade in male(P<0.05 or 0.001 after fourth decade) and from the second to seventh decade in female(P<0.05 or 0.001 from the second to sixth decade). 2. Correlation between both sexes and among age groups relating to the cardiothoracic ratios of the insureds seen to be a physiological phenomenon of the cardiac size and should be considered on the rating of the cardiothoracic ratio. Based on the correlation above mentioned and an author's assumption that the incidence of normal and abnormal cardiothoracic ratios in each age group would show the same rate in male and female, author prepared a modified rating table from the existing table; in male group the existing rating table is used and in female group the ratings of 0, 30-50, 50-100 and 100-D are to calculate by the cardiothoracic ratio of 51%or under, 52-56%, 57-61% and 62% or over respectively in the age group below 39, by the cardiothoracic ratio of 52% or under, 53-57%, 58%-62% and 63% or over respectively in the age group of 40-49, by the cardiothoracic ratio of 53% or under, 54-58%, 59-63% and 64% or over respectively in the age group over 60. 3. The relative frequency distribution polygons of the cardiothoracic ratio of both sexes drawn in a pair on one coordinate plane revealed lying in juxtaposition each other horizontally and showed the shifting of females polygon to male's one toward the direction of greater value of the cardiothoracic ratio at a short distance which increased gradually with age. 4. The minimum cardiothoracic ratio was 31.2% and the maximum cardiothoracic ratio was 63.6% in all of the insured. 5. In each age group, no significant sex difference was found in the relative frequency distribution of ratings by the cardiothoracic ratios of 5,200 insureds by using the rating table modified by author, while significant sex difference was found by using the existing rating table.

• 보험의학회지
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• 제1권1호
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• pp.88-95
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• 1984

In Korea, life insurance policies are sold to the policy holders by insuring either the insureds undergo a medical examination at a clinic or the insureds' report their history of diseases ever experienced that replaces the medical examination. This study aimed to measure the level of death rates for the insureds between those who received medical examination and those who did not receive medical examination, and to examine differences of the rates in terms of the insureds' characteristics such as age, sex, cause of death and duration. A total number of 32,358 insureds were selected for the population of this study from the D. Life Insurance Company located in Seoul City. Out of the 32,358 insureds, 2,997 received medical examination and the rest of 29,381 did not received any medical examination. Results of analysis are summarized as follows: 1. Death rate per 100,000 insureds for the all was 19.3 in the first year, 96.3 in the second year, 143.8 in the third year 93.4 in the fourth year. For the group of medical examination received, the rate was zero in the first year, 41.3 in the second year, 55.4 in the third year and 268.8 in the fourth year, and for the group of non-medically examined the rate was 21.3 in the first year, 101.9 in the second year, 152.2 in the third year and 76.8 in the fourth year. The levels of death rates between the insureds with medical examsination and the inureds without medical examination were non-significant in the differences by duration except the levels of the third year, which indicated the death rate of non-medically examined group was higher than that of the medically examined group. 2. 73.0 per cent of the total deaths observed during the insured period were caused by various diseases and the rest of 27.0 per cent deaths were due to accidents. For the group of medical examination received, 55.6 per cent deaths were caused by diseases, and for the group of nonmedically examined, 74.7 per cent of deaths were due to diseases. 3. cancer was the most frequent cause which accounted for 22.0 per cent of the total deaths. Proportion of deaths due to cancer from the group of medical examination received was 22.2 per cent, and the corresponding rate for the group of non-medically examined also showed high rate of 22.0 per cent.

• 응용통계연구
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• 제22권3호
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• pp.489-498
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• 2009

언더라이팅은 보험자가 청약자에 대한 인수여부를 결정하는 보험계약 운영의 초기단계로서, 그 기준의 정교성 여부에 따라 회사에 안정적인 수익을 가져올 수도 있고 예기치 못한 큰 손실을 야기할 수도 있다. 일반적으로, 각 청약자의 위험요소를 파악, 평가하여 위험정도를 평가할 수 있는 점수를 이용하는 스코어링 시스템을 언더라이팅 기준으로 이용하는데, 점수를 산출하기 위한 방법은 각 위험요소별 점수 기준을 설정하고 위험요소별 점수를 합산하는 형태가 보편적이다. 최근 위험율차 이익의 중요성이 강조됨에 따라 기존의 방법에 비해 보다 효과적인 언더라이팅 기법이 요구되고 있다. 본 연구에서는 일반화 선형모형을 이용하여 보다 합리적으로 보험 계약자에 대한 위험도를 추정하는 방법을 제시하였다. 실증분석을 통해 위험집단의 위험도를 평가하고 점수화하는 구체적인 언더라이팅 모형을 설계하였고, 제시된 언더라이팅 모형의 적용효과를 반영하여 언더라이팅 기준을 설정하는 방법에 대해서도 설명하였다.