• 보건의료산업학회지
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• 제9권4호
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• pp.131-144
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• 2015

Objectives : This study investigated the health care utilization patterns and length of stay (LOS) determinants of fracture patients with workers' compensation insurance (WCI) and national health insurance (NHI). Methods : The discharge summary data of 4,394 WCI fracture patients were compared to 28,874 NHI patients. Health care utilization characteristics were compared with a logistic regression analysis, and the LOS determinants were identified with linear regression analysis. Results : The average LOS of the WCI fracture patients was 2.4 times higher than that of the NHI patients. WCI patients used more small or medium sized hospitals, and were more frequently admitted through the emergency room. Females, older patients and patients admitted through emergency room had a significant positive impact on LOS. Conclusions : Healthcare utilization by the WCI fracture patients may include medically unnecessary hospital stays. Therefore, policy makers need to respond appropriately to the inefficient use of health resources by WCI patients.

• 보건행정학회지
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• 제9권4호
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• pp.65-86
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• 1999

In this study, we investigate the welfare effect of mandatory prescription(MP) in Korea. An immediate effect of MP is the increase in the implicit price of prescribed medicine, which could be obtained easily from drug stores before MP. This will lower the quantity demanded. which will in turn reduce the abuse of drugs. The key to the cost-benefit analysis of MP, therefore, should be focused on this point; price increase in the cost side and quantity decrease in the benefit side. Since we do not have as much information as needed for the analysis, however, we made strong assumptions for the clarity of numbers; the severity of moral hazard of medical doctors related to the sales of hospital drugs, constant demand elasticity, constant benefit multiplier of reduced drug usage, and so on, With these rather strong assumptions, we find that i) the benefit side is much more sensitive to demand elasticity than the cost side effect ii) the larger the demand elasticity, the greater the size of net gain of MP, though the result depends on the size of the benefit multiplier. This analysis shows that we need to have more information on the specific institutional path of health benefit diffusion caused by the reduction of drug usage, which was the major target of MP.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.707-715
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• 2020

Globalization has led to an increase in foreign banks' penetration. It is argued that the presence of foreign banks may affect the banking sector of the host countries in several ways including their competition level. It is mentioned that the presence of the foreign banks could heightened the level of competition in the banking sector. Nonetheless, the impact of the foreign banks on competition could be influenced by the degree of information sharing in the banking industry. This study investigates the role of information sharing in moderating the impact of foreign bank penetration on host banking sector competition in selected developing countries. We employ panel data samples of 54 developing countries during the period from 1998 to 2016. The estimation is carried out using the two-step system of the Generalized Method of Moments (GMM) regression technique. This technique is adopted due to its robustness to all forms of endogeneity. The findings of this study show that the presence of information sharing could affect the relationship between foreign banks' penetration and competition. They suggest that improvement in information sharing by a host country may help foreign banks to improve monitoring and reduce the moral hazard and adverse selection problem.

• 융합보안논문지
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• 제8권4호
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• pp.9-19
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• 2008

2007년 1월 시행된 전자금융거래법에서는 전자금융거래의 안전성과 금융소비자 보호를 위하여 전자금융사고 발생시 금융회사에 무과실책임을 부여하였다. 그러나 금융범죄자에 의한 무권한 금융거래 또는 금융소비자의 도덕적 해이에 따른 금융거래가 발생하였을 경우, 사고 원인을 파악하거나 금융소비자의 고의 중과실 여부를 판단하기 어려운 정보의 비대칭 현상이 발생한다. 이와 같은 금융사고 위험을 예방 또는 차단하기 위하여 금융거래정보 통보제도의 개선과 금융거래 장소정보를 활용한 IT 컴플라이언스 기능을 강화함으로써 금융소비자를 보호할 수 있는 방안을 제시하고자 한다.

• The Journal of Asian Finance, Economics and Business
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• 제6권1호
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• pp.83-89
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• 2019

The purpose of this paper is to examine how the social system of deposit insurance affected the financial market in Korea. Specifically, we want to know how much the risk-seeking behavior of financial institutions has increased or decreased. The most important feature of the deposit insurance system is to prevent the insolvency of financial institutions and to properly protect depositors. In recent studies, it has been argued that characteristics of deposit insurance bring moral hazard of financial institutions and that financial institutions make unreasonably risky investments. Therefore, in this study, we will first examine whether such previous research can be applied to the Korean financial market. Next, we will examine the appropriateness of the differential premium rate that is currently used for each financial institution in the Korean financial market. In order to test the first hypothesis, we used the Capital Asset Pricing Model (CAPM) to calculate the total risk for each financial institution. As a result, significant changes were found in all regions before and after the introduction of the deposit insurance system. As for testing the second hypothesis, we conducted a variance analysis of financial institutions' indexes before and after the introduction of the deposit insurance and we discovered significance of the total risk difference.

• 유통과학연구
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• 제19권12호
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• pp.91-101
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• 2021

Purpose: This study aims to explore the effects of government's value intervention messages on the prevention and control of infectious disease in the risk communication process in terms of goveremnt policy response to COVID-19 from the mismatch message perspective, and draws the relevant implicaitons. Due to the infeciton spread, some people point out that depression caused by COVID-19 is because of wrong signals of the government and infectious disease prevention and control authorities, namely value intervention messsages. Research design, data and methodology: This study examined the epidcmic situation through message deails regarding the effects of government's mismatch messages on prevention and control of infectious disease and the resulting phenomena. Results: People's lives are under serious threat overall, so the declaration of the end of COVID-19 is almost impossible unlike MERS. Economic downturn due to foreced prevention and control regulaitons of COVID-19, mistruct of social distancing, fatigue on mismatch messages, and moral hazard on the awareness of prevention and control of infectious disease are negative phenomena to risk communiaiton on COVID-19. Conclusions: This study investigated the government authorities' policy sending wrong signals due to mismatching of the reality at this point in time for infectious disease prevention and control from the risk communicaiton perspectrive.

• 아태비즈니스연구
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• 제11권3호
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• pp.185-198
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• 2020

Purpose - The purpose of this study is to examine the effect of performance-related pay on gender labor productivity differences theoretically and empirically. Design/methodology/approach - This study analyzes the Principal-Agent model in which a firm employes many male and female workers under moral hazard, and uses large survey data from Survey of Business Activities of MDIS (MicroData Integrated Service) in Korea. The fixed-effect model is employed in order to analyze the data. Findings - The theoretical result is that, after performance-related pay is offered to workers, the effect of performance-related pay on gender productivity is determined by whether the female ratio within firm affects firm's performance(such as revenue and profit) per capita. The empirical result is that, before performance-related pay is provided for all workers, the firm's female ratio does not affect firm's revenue and profit per capita at all, but after it is offered, the female ratio positively affects firm's performance per capita. Research implications or Originality - Fixed pay does not bring about the difference between male and female productivity, but performance-related pay affects female productivity more positively than male productivity in Korean firms. It means that female workers are more sensitive to incentives than men in Korea.

• 수산경영론집
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• 제54권4호
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• pp.47-64
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• 2023

The development potential of the aquaculture industry is very high, but there is no financial support for investment except for the government, policy funds, fishery funds, etc. Therefore, we would like to propose a contract transaction in the aquaculture industry. This refers to a forward contract between a producer (fish farmer) and a buyer (mainly a processor or marketer) that stipulates the production and supply of fish products at a predetermined price, but it also refers to an "equity participation type" contract in which both producers and buyers can participate. In other words, it is a model in which part of the fish farm is produced in a way that meets the conditions of the buyer, and part is produced by the producer. This study aims to establish the basic contract trading process. It provides an academic approach to prevent adverse selection and moral hazard due to information asymmetry. It also provides an idea to converge the aquaculture industry with the financial industry using Pecking Order theory. By doing so, we have made it possible for venture capitalists to invest with confidence and provided a process for investors to resolve their concerns, paving the way for the aquaculture industry and the financial industry to develop together.

• 한국산학기술학회논문지
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• 제19권8호
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• pp.433-440
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• 2018

정부 연구개발사업은 미래지향적 성장동력창출, 예산확대 등 중요성이 높아짐에 따라 R&D의 효율성 투자방향 전략 등 패러다임 전환을 통해 구체적으로 미래 비전을 제시하고 있다. 반면에 제재조치에 대한 연구와 관심은 저조함으로 본 논고를 통해 법적근거, 법령 비교분석, 국외사례 등을 검토해 국내에 적용하는 시사점을 도출하고 연구자들의 이해를 도와 실무에 활용하는데 본 연구의 목적이 있다. 또한 제도시행을 알지 못하거나, 소홀함으로 겪는 피해를 사전에 방지하는 효과 및 연구비 집행의 투명성 제고에 기여하고자 한다. 본 연구는 정부R&D의 특성과 제재조치에 대한 기준을 중소기업관련 R&D 투자 상위 3개 부처의 제재조치를 비교 분석하는 방식으로 수행되었다. 우리나라는 2001년 제재조치 도입을 시작으로 누적위반 중과제, 참여제한 기간의 확대, 삼진아웃제도의 도입 등을 통해 연구개발의 도덕적 해이를 방지하고, 재정 건전화를 위한 방향으로 강력히 추진하고 있다. 그럼에도 불구하고 사업비 부정사용은 지속적으로 적발되고 있다. 따라서 강력한 제도보다는 연구자율을 최대한 보장하고, 책임이 강화될 수 있도록 연구수행 주체자 들의 투명한 사업비 집행 의지, 공공재원에 대한 도덕적 접근, 기술개발에 대한 사명감 등 인식전환의 선행이 중요하다.

• 한국전자통신학회논문지
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• 제9권2호
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• pp.203-209
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• 2014

본연구의 목적은 유비쿼터스 의료환경에서 경요추부 염좌 환자의 민영의료보험 가입이 재원기간에 미치는 영향을 조사하기 위하여 시행되었다. 연구의 대상자들은 2010년 7월1일 부터 2012년 2월 29일까지 신경학적 증상이 없는 경요추 염좌 진단받은 환자이다. 분석방법은 t-분석, 분산분석 그리고 다중회귀분석을 이용하였다. 재원기간과 관련된 요인을 통제한 후에 민영의료보험 관련 특성인 민영의료보험 개수를 독립변수로 투입하였을 때, 민영의료보험 개수가 '없음' 보다 1-2개(${\beta}$=2.731, P=0.013), 3개 이상(${\beta}$=4.991, P=0.000)에서 유의하게 입원기간이 길었다. 민영의료보험의 다수 가입이 도덕적 해이의 존재와 정도를 일정 부분 규명하였다.