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Fragmentation of the Body in Fashion (현대 패션에 표현된 몸의 파편화)

  • Yim, Eun-Hyuk
    • Journal of the Korean Society of Costume
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    • v.57 no.6 s.115
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    • pp.145-159
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    • 2007
  • Freed from its traditional confinement to the human body, postmodernism in fashion exposes the defectiveness of body and abstracts from the body under. As the 20th century art put premium on self-expression, the body itself became a powerful medium of expression in fashion. Using 'body' to analyze the clothing form, my study develops a framework by which to classify the fragmentation of the body in fashion. In order to inquire the formative style and aesthetic values expressed in fragmentation of the body in fashion, my study examines subjects from the discourse on the body to the fashion collections of the late 20th and 21st century, The results of the study are as follows. Fragmentation of the body in fashion means the break away from the idealized and standardized body for mass productions. It tends to experiment with extreme exaggeration in form, refusing to subscribe to the traditional values that build on the balance and symmetry of the body. The formative aspects of fragmentation are achieved through body casting, displacement, and deconstruction. The absence of physicality in fashion opposes the sartorial convention and symbolism that results in the discord between signifiant and $signifi{\tilde{e}}$ of clothing. Fashion continues to explore forms and images that transcend the traditional representations of the clothed body. As a type of intimate architecture, fashion always mediates the dialogue between clothes and body, or fashion and figure. My study suggests a framework to analyze fragmentation of the body in fashion, focusing on the relationship between the clothes and body.

Improvement Prioritization of Health and Medical Service Quality Attributes using PCSI Index - Focused on One Upper Level General Hospital - (잠재적 고객만족개선 지수를 이용한 의료서비스 품질 개선우선 순위 결정 - 일개 상급종합병원의 외래환자 및 근무자를 중심으로 -)

  • Kim, Jung-Hee;Park, Chun-Man
    • Korea Journal of Hospital Management
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    • v.20 no.2
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    • pp.39-56
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    • 2015
  • This study calculated the potential customer satisfaction improvement index (PCSI index) and average satisfaction coefficient (ASC) by categorizing quality attributes based on the Kano analysis for medical service quality. This study seeks to suggest ways to increase the efficiency of medical business management by determining priority to improve after applying the indexes to IPA. To achieve such purposes, this study conducted a survey on 150 outpatients of a premium general hospital and 200 workers in four different sections in the same hospital. As a result of the analysis, there was a difference in the awareness of service quality to improve patient satisfaction between the outpatients and workers. Therefore, the focus should be put on those items deemed important by the patients rather than those that the workers called attention to in order to effectively improve service quality. Along with efforts to alleviate or eliminate inconveniences experienced by patients, it is necessary to provide training programs for workers on customer reception and management such as delivering services with a kind manner and giving explanations in a proper and professional manner and exhibiting the right attitude.

A Study on the Textile Design utilizing Radial Grating for $Moir{\acute{e}}$ Patterns (방사형 격자패턴 무아레무늬 표현을 위한 직물 디자인 연구)

  • Kim, Beong-Mee;Lee, Mi-Ja
    • Journal of the Korea Fashion and Costume Design Association
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    • v.10 no.1
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    • pp.117-123
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    • 2008
  • When it comes to clothing design, after the mid 20th century some internationally renowned designers began to recognize the pivotal role clothing materials play in attracting the hearts of customers. Accordingly, they started to take advantage of new clothing materials in the sector of clothing design. While the theme of fashionable clothing products shifts from style and color to clothing materials, fashion designers place the quality of materials at the center of clothing designs. Fashion designers also realize that good quality of materials should be used to boost the value of products as well as to satisfy the conditions of creativity, practicality and aesthetics. In particular, as the non-apparel industry in which clothing materials are the most important aspect between fashionable color, silhouette and details is enhancing their attention to develop various materials in order to meet the needs of customers, the fashion industry places a high premium on textile design which is the pinnacle of expressing emotion on clothing materials. In addition, the industry raises awareness of developing more sophisticated and differentiated materials. Our thesis covers the way how to apply $moir{\acute{e}}$ pattern to clothing design on the basis of research. In order to put that research into practical use, we produced textiles which effectively display $moir{\acute{e}}$ pattern. Before this process, we tried to ensure that radial grating created $moir{\acute{e}}$ pattern effects. To this end, the weaving process was applied, depending on whether light can penetrate textiles or not. Then, we manufactured test-products using $moir{\acute{e}}$ pattern.

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The nail store's store attributes on revisit intensity - focus on independent stores - (네일매장의 점포속성이 재방문의도에 미치는 영향 - 단독 매장을 중심으로 -)

  • Lim, Yun-Kyoung;Kwak, Tai-Gi
    • Journal of the Korea Fashion and Costume Design Association
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    • v.22 no.2
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    • pp.45-59
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    • 2020
  • The purpose of this study was to clarify that the effect of consumer's perception of nail store attributes has on intent to revisit (focus on independent stores) by performing quantitative research. The importance of nail stores is increasing with sales amounts and the number of workers, however, previous research in this area is not complete. The reason that this qualitative research should be done before the quantitative research is due to the scant theoretical background in this matter. As the nail market is steadily increasing, determining the factors to make a successful and influential store leading to revisits is very meaningful both academically and in business. For the quantitative study, consumers from 20 years old to less 60 years old who had purchased nail service at independent nail stores were included in the survey. Quota sampling was adopted in the areas where the independent nail stores were located from May 10th to May 30th, 2019, and 262 questionnaires were collected, and those containing insincere respondences were excluded. The most important nail store attribute was reliability (store name value, relationship with workers and A/S) and then the physical environment, economics, product, and promptness. The result depended on demographic factors- younger and lower-income respondents put a premium on the physical environment, promptness, and economics, on the other hand, older and higher-income respondents placed a priority on reliability. The correlation analysis result is that all store attributes (reliability, physical environment, economics, promptness, product) show a statistical significance. A multiple regression analysis was conducted to determine the effects of nail store attribute importance on revisit intention. Promptness, economics, and the physical environment have a statistically significant effect on the consumer's revisit intention.

Analysis of the Important Herb Medications Corresponded with Neuropsychiatry of "Bang-Yak-Hap-Pyun" (방약합편(方藥合編)에 수재된 신경정신과(神經精神科) 관련 주요 처방(處方)에 대한 연구(硏究))

  • Kim, Jee-Hoon;Koo, Byung-Soo;Kim, Geun-Woo
    • Journal of Oriental Neuropsychiatry
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    • v.20 no.1
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    • pp.89-106
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    • 2009
  • Objectives : The purpose of this study is to analysis of the herb medications corresponded with neuropsychiatry of "Bang-Yak-Hap-Pyun". Methods : The herb medications of "Bang-Yak-Hap-Pyun" Sang.Jung.Ha-Tong(上.中.下統) and "Enlargement side prescriptions" (增補方) are selected by comment on the chief virtue including reference word of corresponded with neuropsychiatry. Results and Conclusion : "Bang-Yak-Hap-Pyun" is a book most people who have a background or career in Han Medicine(韓醫學) would pore over. They corresponded with neuropsychiatry among the herb medications of "Bang-Yak-Hap-Pyun" Sang.Jung.Ha-Tong(上.中.下統) are 55 prescriptions that Sang-Tong(上統) is 8 prescriptions, Jung-Tong(中.統) is 23 prescriptions and Ha-Tong(下統) is 24 prescriptions. And the herb medications corresponded with neuropsychiatry of "Enlargement side prescriptions" (增補方) are 40 prescriptions. And then the herb medications corresponded with neuropsychiatry of "Bang-Yak-Hap-Pyun" received much influence from "Dong-Eui-Bo-Gam". Incidentally the herb medications corresponded with neuropsychiatry of "Bang-Yak-Hap-Pyun" Sang.Jung.Ha-Tong showed the high percentage in Neurosis. And the herb medications corresponded with neuropsychiatry of "Enlargement side prescriptions" showed the high percentage in Psychosis. Besides not only put "Enlargement side prescriptions a premium on "Dong-Eui-Bo-Gam", but also made it the herb medications which were recorded on books flowed after "Dong-Eui-Bo-Gam" known. It was entered up books quoted from "Bang-Yak-Hap-Pyun" Sang.Jung.Ha-Tong but the herb medications were that were not succeeded from "Bang-Yak-Hap-Pyun" Sang.Jung.Ha-Tong. Therefore "Enlargement side prescriptions" shows the efforts for supplement of "Bang-Yak-Hap-Pyun" Sang.Jung.Ha-Tong.

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The Recognition of Groups between the Korean National Health Insurance and the Private Health Insurance (국민건강보험과 민영의료보험에 대한 집단 간의 인식도 분석)

  • Im, Bock-Hee;Lim, Jeong-Do
    • The Korean Journal of Health Service Management
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    • v.5 no.2
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    • pp.157-172
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    • 2011
  • The purpose of this study is to provide basic information for improving medical security between the Korean National Health Insurance Corporation and the private health insurance in Pusan Metropolitan area by investigating of the recognition with the benefit groups. Questionnaires of 431 were taken between Feb. 11th and Feb. 25th 2008. The survey was carried out to gather information about SES and contents of insurance and recognition between the benefit group of the Korean National Health Insurance and the private health insurance on the financial conditions and the stability. The result of survey is as follows. First, there is a difference between the National Health Insurance and the private health insurance on the financial conditions and the stability of the Korean National Health Insurance. Second, there is a high score at the private health insurance on the financial conditions and the stability of the private health insurance. Third, privatizing of a National Health Insurance is high score at increase of the premium, medical payments of the National Health Insurance group and is high score at enhance of quality of medical service and decrease of loss of medical payment of the private health insurance group. Therefore, to provides more information and improved medical security with the benefit group. it is necessary for concerns to put more efforts in creating Conflicting vs. Complementing of systemic base.

A Study on the Determinant Factors of Newspaper Headlines : Focused on News Influence Variables, Editor's Role Orientation and Professionalism (신문기사 제목의 결정요인에 관한 연구 : 뉴스 영향변인.편집자의 역할지향성과 전문직업관을 중심으로)

  • Kang, Hyun-Jig
    • Journal of Digital Convergence
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    • v.10 no.8
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    • pp.347-365
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    • 2012
  • This study was carried out to enlighten on the factors by which newspaper headlines are determined and to empirically explore how news influence variables, editor's role orientation and professionalism have impact on deciding headlines. It turned out from the survey of 345 journalists working in the editorial departments of 17 major national daily and economic newspapers that 7 determinant factors have impact on editors deciding headlines: creativity, standardized expression, fairness, consideration for a readers, reflection of company policy, summarization and intriguer. In addition, the determinant factors of headlines were analyzed to have correlation with news influence variables such as the government-sponsors, readers and colleagues, and company policy and the management. In the awareness of role, also, it was shown that the editors who considered social integration as important place weighted on the reflection of company policy, fairness and creativity; those editors who placed power monitoring on priority took fairness and creativity seriously; and the editors who believed that delivering information was important thought of fairness, consideration for a readers and summarization as important. In addition, the organization-oriented editors turned out compliant to a system, positive on the governmental policies and sought for social stability; those editors who put a premium on a sense of objective balance and neutrality showed a strong aspect of a professional in social reform, check against government and the social governance by the privileged.

A Study on the Rule of Warranty in the English Law of Marine Insurance (영국 해상보험법상 담보(warranty)에 관한 연구)

  • Shin, Gun-Hoon
    • THE INTERNATIONAL COMMERCE & LAW REVIEW
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    • v.42
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    • pp.275-305
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    • 2009
  • Marine insurance contracts, which intended to provide indemnity against marine risks upon the payment of price, known as a premium, originated in Northern Italy in the late 12th and early 13th centuries. The law and practice were later introduced into England through the Continent. It is, therefore, quite exact that English and European marine insurance law have common roots. Nevertheless, significant divergences between English and European insurance systems occurred since the late 17th century, mainly due to different approaches adopted by English courts. The rule of warranty in English marine insurance was developed and clarified in the second part of the 18th century by Lord Mansfield, who laid the foundations of the modern English law of marine insurance, and developed different approaches, especially in the field of warranty in marine insurance law. Since the age of Lord Mansfield, English marine insurance law has a unique rule on warranty. This article is, therefore, designed to analyse the overall rule of the rule of warranty in English marine insurance law. The result of analysis are as following. First, warranties are incorporated to serve a very significant function in the law of insurance, that is, confining or determining the scope of the cover agreed by the insurer. From the insurer's point of view, such the function of warranties is crucial, because his liability, agreed on the contract of insurance, largely depend on in, and the warranties, incorporated in the contract play an essential role in assessing the risk. If the warranty is breached, the risk initially agreed is altered and that serves the reason why the insurer is allowed to discharge automatically further liability from the date of breach. Secondly, the term 'warranty' is used to describe a term of the contract in general and insurance contract law, but the breach of which affords different remedies between general contract law and insurance contract law. Thirdly, a express warranty may be in any form of words from which the intention to warrant is to be inferred. An express warranty must be included in, or written upon, the policy, or must be contained in some document incorporated by reference into the policy. It does not matter how this is done. Fourthly, a warranty is a condition precedent to the insurer's liability on the contract, and, therefore, once broken, the insurer automatically ceases to be liable. If the breach pre-dates the attachment of risk, the insurer will never put on risk, whereas if the breach occurs after inception of risk, the insurer remains liable for any losses within the scope of the policy, but has no liability for any subsequent losses. Finally, the requirements on the warranty must be determined in according to the rule of strict construction. As results, it is irrelevant: the reason that a certain warranty is introduced into the contract, whether the warranty is material to the insurer's decision to accept the contract, whether or not the warranty is irrelevant to the risk or a loss, the extent of compliance, that is, whether the requirements on the warranty is complied exactly or substantially, the unreasonableness or hardship of the rule of strict construction, and whether a breach of warranty has been remedied, and the warranty complied with, before loss.

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VKOSPI Forecasting and Option Trading Application Using SVM (SVM을 이용한 VKOSPI 일 중 변화 예측과 실제 옵션 매매에의 적용)

  • Ra, Yun Seon;Choi, Heung Sik;Kim, Sun Woong
    • Journal of Intelligence and Information Systems
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    • v.22 no.4
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    • pp.177-192
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    • 2016
  • Machine learning is a field of artificial intelligence. It refers to an area of computer science related to providing machines the ability to perform their own data analysis, decision making and forecasting. For example, one of the representative machine learning models is artificial neural network, which is a statistical learning algorithm inspired by the neural network structure of biology. In addition, there are other machine learning models such as decision tree model, naive bayes model and SVM(support vector machine) model. Among the machine learning models, we use SVM model in this study because it is mainly used for classification and regression analysis that fits well to our study. The core principle of SVM is to find a reasonable hyperplane that distinguishes different group in the data space. Given information about the data in any two groups, the SVM model judges to which group the new data belongs based on the hyperplane obtained from the given data set. Thus, the more the amount of meaningful data, the better the machine learning ability. In recent years, many financial experts have focused on machine learning, seeing the possibility of combining with machine learning and the financial field where vast amounts of financial data exist. Machine learning techniques have been proved to be powerful in describing the non-stationary and chaotic stock price dynamics. A lot of researches have been successfully conducted on forecasting of stock prices using machine learning algorithms. Recently, financial companies have begun to provide Robo-Advisor service, a compound word of Robot and Advisor, which can perform various financial tasks through advanced algorithms using rapidly changing huge amount of data. Robo-Adviser's main task is to advise the investors about the investor's personal investment propensity and to provide the service to manage the portfolio automatically. In this study, we propose a method of forecasting the Korean volatility index, VKOSPI, using the SVM model, which is one of the machine learning methods, and applying it to real option trading to increase the trading performance. VKOSPI is a measure of the future volatility of the KOSPI 200 index based on KOSPI 200 index option prices. VKOSPI is similar to the VIX index, which is based on S&P 500 option price in the United States. The Korea Exchange(KRX) calculates and announce the real-time VKOSPI index. VKOSPI is the same as the usual volatility and affects the option prices. The direction of VKOSPI and option prices show positive relation regardless of the option type (call and put options with various striking prices). If the volatility increases, all of the call and put option premium increases because the probability of the option's exercise possibility increases. The investor can know the rising value of the option price with respect to the volatility rising value in real time through Vega, a Black-Scholes's measurement index of an option's sensitivity to changes in the volatility. Therefore, accurate forecasting of VKOSPI movements is one of the important factors that can generate profit in option trading. In this study, we verified through real option data that the accurate forecast of VKOSPI is able to make a big profit in real option trading. To the best of our knowledge, there have been no studies on the idea of predicting the direction of VKOSPI based on machine learning and introducing the idea of applying it to actual option trading. In this study predicted daily VKOSPI changes through SVM model and then made intraday option strangle position, which gives profit as option prices reduce, only when VKOSPI is expected to decline during daytime. We analyzed the results and tested whether it is applicable to real option trading based on SVM's prediction. The results showed the prediction accuracy of VKOSPI was 57.83% on average, and the number of position entry times was 43.2 times, which is less than half of the benchmark (100 times). A small number of trading is an indicator of trading efficiency. In addition, the experiment proved that the trading performance was significantly higher than the benchmark.

A Study on Forest Insurance (산림보험(山林保險)에 관한 연구(硏究))

  • Park, Tai Sik
    • Journal of Korean Society of Forest Science
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    • v.15 no.1
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    • pp.1-38
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    • 1972
  • 1. Objective of the Study The objective of the study was to make fundamental suggestions for drawing a forest insurance system applicable in Korea by investigating forest insurance systems undertaken in foreign countries, analyzing the forest hazards occurred in entire forests of Korea in the past, and hearing the opinions of people engaged in forestry. 2. Methods of the Study First, reference studies on insurance at large as well as on forest insurance were intensively made to draw the characteristics of forest insurance practiced in main forestry countries, Second, the investigations of forest hazards in Korea for the past ten years were made with the help of the Office of Forestry. Third, the questionnaires concerning forest insurance were prepared and delivered at random to 533 personnel who are working at different administrative offices of forestry, forest stations, forest cooperatives, colleges and universities, research institutes, and fire insurance companies. Fourth, fifty three representative forest owners in the area of three forest types (coniferous, hardwood, and mixed forest), a representative region in Kyonggi Province out of fourteen collective forest development programs in Korea, were directly interviewed with the writer. 3. Results of the Study The rate of response to the questionnaire was 74.40% as shown in the table 3, and the results of the questionaire were as follows: (% in the parenthes shows the rates of response; shortages in amount to 100% were due to the facts of excluding the rates of response of minor respondents). 1) Necessity of forest insurance The respondents expressed their opinions that forest insurance must be undertaken to assure forest financing (5.65%); for receiving the reimbursement of replanting costs in case of damages done (35.87%); and to protect silvicultural investments (46.74%). 2) Law of forest insurance Few respondents showed their views in favor of applying the general insurance regulations to forest insurance practice (9.35%), but the majority of respondents were in favor of passing a special forest insurance law in the light of forest characteristics (88.26%). 3) Sorts of institutes to undertake forest insurance A few respondents believed that insurance companies at large could take care of forest insurance (17.42%); forest owner's mutual associations would manage the forest insurance more effectively (23.53%); but the more than half of the respondents were in favor of establishing public or national forest insurance institutes (56.18%). 4) Kinds of risks to be undertaken in forest insurance It would be desirable that the risks to be undertaken in forest insurance be limited: To forest fire hazards only (23.38%); to forest fire hazards plus damages made by weather (14.32%); to forest fire hazards, weather damages, and insect damages (60.68%). 5) Objectives to be insured It was responded that the objectives to be included in forest insurance should be limited: (1) To artificial coniferous forest only (13.47%); (2) to both coniferous and broad-leaved artificial forests (23.74%); (3) but the more than half of the respondents showed their desire that all the forests regardless of species and the methods of establishment should be insured (61.64%). 6) Range of risks in age of trees to be included in forest insurance The opinions of the respondents showed that it might be enough to insure the trees less than ten years of age (15.23%); but it would be more desirous of taking up forest trees under twenty years of age (32.95%); nevertheless, a large number of respondents were in favor of underwriting all the forest trees less than fourty years of age (46.37%). 7) Term of a forest insurance contract Quite a few respondents favored a contract made on one year basis (31.74%), but the more than half of the respondents favored the contract made on five year bases (58.68%). 8) Limitation in a forest insurance contract The respondents indicated that it would be desirable in a forest insurance contract to exclude forests less than five hectars (20.78%), but more than half of the respondents expressed their opinions that forests above a minimum volume or number of trees per unit area should be included in a forest insurance contract regardless of the area of forest lands (63.77%). 9) Methods of contract Some responded that it would be good to let the forest owners choose their forests in making a forest insurance contract (32.13%); others inclined to think that it would be desirable to include all the forests that owners hold whenerver they decide to make a forest insurance contract (33.48%); the rest responded in favor of forcing the owners to buy insurance policy if they own the forests that were established with subsidy or own highly vauable growing stock (31.92%) 10) Rate of premium The responses were divided into three categories: (1) The rate of primium is to be decided according to the regional degree of risks(27.72%); (2) to be decided by taking consideration both regional degree of risks and insurable values(31.59%); (3) and to be decided according to the rate of risks for the entire country and the insurable values (39.55%). 11) Payment of Premium Although a few respondents wished to make a payment of premium at once for a short term forest insurance contract, and an annual payment for a long term contract (13.80%); the majority of the respondents wished to pay the premium annually regardless of the term of contract, by employing a high rate of premium on a short term contract, but a low rate on a long term contract (83.71%). 12) Institutes in charge of forest insurance business A few respondents showed their desire that forest insurance be taken care of at the government forest administrative offices (18.75%); others at insurance companies (35.76%); but the rest, the largest number of the respondents, favored forest associations in the county. They also wanted to pay a certain rate of premium to the forest associations that issue the insurance (44.22%). 13) Limitation on indemnity for damages done In limitation on indemnity for damages done, the respondents showed a quite different views. Some desired compesation to cover replanting costs when young stands suffered damages and to be paid at the rate of eighty percent to the losses received when matured timber stands suffered damages(29.70%); others desired to receive compensation of the actual total loss valued at present market prices (31.07%); but the rest responded in favor of compensation at the present value figured out by applying a certain rate of prolongation factors to the establishment costs(36.99%). 14) Raising of funds for forest insurance A few respondents hoped to raise the fund for forest insurance by setting aside certain amount of money from the indemnity paid (15.65%); others wished to raise the fund by levying new forest land taxes(33.79%); but the rest expressed their hope to raise the fund by reserving certain amount of money from the surplus money that was saved due to the non-risks (44.81%). 15) Causes of fires The main causes of forest fires 6gured out by the respondents experience turned out to be (1) an accidental fire, (2) cigarettes, (3) shifting cultivation. The reponses were coincided with the forest fire analysis made by the Office of Forestry. 16) Fire prevention The respondents suggested that the most important and practical three kinds of forest fire prevention measures would be (1) providing a fire-break, (2) keeping passers-by out during the drought seasons, (3) enlightenment through mass communication systems. 4. Suggestions The writer wishes to present some suggestions that seemed helpful in drawing up a forest insurance system by reviewing the findings in the questionaire analysis and the results of investigations on forest insurance undertaken in foreign countries. 1) A forest insurance system designed to compensate the loss figured out on the basis of replanting cost when young forest stands suffered damages, and to strengthen credit rating by relieving of risks of damages, must be put in practice as soon as possible with the enactment of a specifically drawn forest insurance law. And the committee of forest insurance should be organized to make a full study of forest insurance system. 2) Two kinds of forest insurance organizations furnishing forest insurance, publicly-owned insurance organizations and privately-owned, are desirable in order to handle forest risks properly. The privately-owned forest insurance organizations should take up forest fire insurance only, and the publicly-owned ought to write insurance for forest fires and insect damages. 3) The privately-owned organizations furnishing forest insurance are desired to take up all the forest stands older than twenty years; whereas, the publicly-owned should sell forest insurance on artificially planted stands younger than twenty years with emphasis on compensating replanting costs of forest stands when they suffer damages. 4) Small forest stands, less than one hectare holding volume or stocked at smaller than standard per unit area are not to be included in a forest insurance writing, and the minimum term of insuring should not be longer than one year in the privately-owned forest insurance organizations although insuring period could be extended more than one year; whereas, consecutive five year term of insurance periods should be set as a mimimum period of insuring forest in the publicly-owned forest insurance organizations. 5) The forest owners should be free in selecting their forests in insuring; whereas, forest owners of the stands that were established with subsidy should be required to insure their forests at publicly-owned forest insurance organizations. 6) Annual insurance premiums for both publicly-owned and privately-owned forest insurance organizations ought to be figured out in proportion to the amount of insurance in accordance with the degree of risks which are grouped into three categories on the basis of the rate of risks throughout the country. 7) Annual premium should be paid at the beginning of forest insurance contract, but reduction must be made if the insuring periods extend longer than a minimum period of forest insurance set by the law. 8) The compensation for damages, the reimbursement, should be figured out on the basis of the ratio between the amount of insurance and insurable value. In the publicly-owned forest insurance system, the standard amount of insurance should be set on the basis of establishment costs in order to prevent over-compensation. 9) Forest insurance business is to be taken care of at the window of insurance com pnies when forest owners buy the privately-owned forest insurance, but the business of writing the publicly-owned forest insurance should be done through the forest cooperatives and certain portions of the premium be reimbursed to the forest cooperatives. 10) Forest insurance funds ought to be reserved by levying a property tax on forest lands. 11) In order to prevent forest damages, the forest owners should be required to report forest hazards immediately to the forest insurance organizations and the latter should bear the responsibility of taking preventive measures.

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