• Title/Summary/Keyword: Risk adjustment

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Climate Change-Induced Physical Risks' Impact on Korean Commercial Banks and Property Insurance Companies in the Long Run (기후변화의 위험이 시중은행과 손해보험에 장기적으로 미치는 영향)

  • Seiwan Kim
    • Atmosphere
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    • v.34 no.2
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    • pp.107-121
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    • 2024
  • In this study, we empirically analyzed the impact of physical risks due to climate change on the soundness and operational performance of the financial industry by combining economics and climatology. Particularly, unlike previous studies, we employed the Seasonal-Trend decomposition using LOESS (STL) method to extract trends of climate-related risk variables and economic-financial variables, conducting a two-stage empirical analysis. In the first stage estimation, we found that the delinquency rate and the Bank for International Settlement (BIS) ratio of commercial banks have significant negative effects on the damage caused by natural disasters, frequency of heavy rainfall, average temperature, and number of typhoons. On the other hand, for insurance companies, the damage from natural disasters, frequency of heavy rainfall, frequency of heavy snowfall, and annual average temperature have significant negative effects on return on assets (ROA) and the risk-based capital ratio (RBC). In the second stage estimation, based on the first stage results, we predicted the soundness and operational performance indicators of commercial banks and insurance companies until 2035. According to the forecast results, the delinquency rate of commercial banks is expected to increase steadily until 2035 under assumption that recent years' trend continues until 2035. It indicates that banks' managerial risk can be seriously worsened from climate change. Also the BIS ratio is expected to decrease which also indicates weakening safety buffer against climate risks over time. Additionally, the ROA of insurance companies is expected to decrease, followed by an increase in the RBC, and then a subsequent decrease.

An explanatory model of quality of life in high-risk pregnant women in Korea: a structural equation model

  • Mihyeon Park;Sukhee Ahn
    • Women's Health Nursing
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    • v.29 no.4
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    • pp.302-316
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    • 2023
  • Purpose: This study aimed to develop and validate a structural model for the quality of life (QoL) among high-risk pregnant women, based on Roy's adaptation model. Methods: This cross-sectional study collected data from 333 first-time mothers diagnosed with a high-risk pregnancy in two obstetrics and gynecology clinics in Cheonan, Korea, or participating in an online community, between October 20, 2021 and February 20, 2022. Structured questionnaires measured QoL, contextual stimuli (uncertainty), coping (adaptive or maladaptive), and adaptation mode (fatigue, state anxiety, antenatal depression, maternal identity, and marital adjustment). Results: The mean age of the respondents was 35.29±3.72 years, ranging from 26 to 45 years. The most common high-risk pregnancy diagnosis was gestational diabetes (26.1%). followed by preterm labor (21.6%). QoL was higher than average (18.63±3.80). Above-moderate mean scores were obtained for all domains (psychological/baby, 19.03; socioeconomic, 19.00; relational/spouse-partner, 20.99; relational/family-friends, 19.18; and health and functioning, 16.18). The final model explained 51% of variance in QoL in high-risk pregnant women, with acceptable overall model fit. Adaptation mode (β=-.81, p=.034) and maladaptive coping (β=.46 p=.043) directly affected QoL, and uncertainty (β=-. 21, p=.004), adaptive coping (β=.36 p=.026), and maladaptive coping (β=-.56 p=.023) indirectly affected QoL. Conclusion: It is essential to develop nursing interventions aimed at enhancing appropriate coping strategies to improve QoL in high-risk pregnant women. By reinforcing adaptive coping strategies and mitigating maladaptive coping, these interventions can contribute to better maternal and fetal outcomes and improve the overall well-being of high-risk pregnant women.

The Relationship between Serum Vitamin D Levels and Lifestyle Risk Factors in Office Workers (사무직 근로자의 혈청 Vitamin D 수준과 생활습관위험인자와의 연관성)

  • Jin, Young-Yun;Kang, Hyun-Sik
    • 한국체육학회지인문사회과학편
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    • v.54 no.5
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    • pp.727-737
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    • 2015
  • The study investigated the relationship between vitamin D status and lifestyle risk factors in office workers. A total of 515 office workers(336 men and 179 women) aged 30 years or older were voluntarily recruited from S-city. Along with serum vitamin D levels, lifestyle risk factors including obesity index, physical fitness, metabolic risk factors, lipids profile and sedentary behavior were measured using standardized protocols. Subjects were classified as deficiency (<20ng/mL), insufficiency (20-29ng/mL), and sufficiency (≥30ng/mL) based on serum vitamin D levels. Linear contrast analysis using one-way ANOVA showed significant linear decreases in mean body fat (p=.030) and sedentary behavior (p<.001) and significant linear increases in skeletal muscle (p=.037), cardiorespiratory fitness (p<.001) and HDL-C (p=.013) across incremental serum vitamin D levels. Compared with the low cardiorespiratory fitness group, the high cardiorespiratory fitness group had a significantly higher odds ratio (men OR=2.144, p=.042, women OR=1.971, p=.045) for having vitamin D insufficiency or deficiency even adjustment after age. Compared to the shortest sitting time group, the longest sitting time group had a significantly higher odds-ratio in a group of female office workers (OR=1.262, p=.043) for having vitamin D insufficiency or deficiency even adjustment after age. The current findings of the study showed that poor physical fitness and sedentary behavior were the risk factors of low serum vitamin D levels, implying the urgent need for a healthy lifestyle modification along with vitamin D supplementation.

Association of Urinary Cesium with Breast Cancer Risk

  • Qin, Ya-Chao;Tang, Lu-Ying;Su, Yi;Chen, Li-Juan;Su, Feng-Xi;Lin, Ying;Zhang, Ai-Hua;Ren, Ze-Fang
    • Asian Pacific Journal of Cancer Prevention
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    • v.15 no.22
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    • pp.9785-9790
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    • 2014
  • Background: The aim of this study is to examine the association of urinary cesium with breast cancer risk. Materials and Methods: We collected survey data and urine specimens from 240 women with incident invasive breast cancer before their treatment and 246 age-matched female controls between October 2009 and July 2010. Urinary concentrations of cesium were determined by inductively coupled plasma mass spectrometry. Interviews were conducted by face-to-face to obtain information on potential breast cancer risk factors. Logistic regression analysis was used to estimate the associations. Results: Creatinine-adjusted levels [median ($25^{th}$, $75^{th}$) ug/g] of cesium in cases and controls were 17.6 (13.1, 24.0) and 19.3 (15.3, 25.7), respectively. After adjustment for potential risk factors, women in the second and highest tertile of cesium showed a decreased risk of breast cancer in a dose-dependent manner as compared with those in the lowest tertile [ORs and 95% CIs: 0.75 (0.46-1.22) and 0.50 (0.30-0.82), respectively]. This decrease was more evident in women with ER positive or localized clinical stage in an exploratory stratification analysis. Conclusions: These findings suggest that cesium may have anticancer efficacy and urinary cesium has potential as a biomarker for breast cancer risk assessment.

Body Mass Index, Self-recognized Body-type, Eating Habits, and Eating Disorders of College Students (일부 대학생의 인식체형, 식행동, 체질량지수 및 섭식장애 경향)

  • Rhie, Seung Gyo;Song, Jin
    • The Korean Journal of Community Living Science
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    • v.27 no.3
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    • pp.495-508
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    • 2016
  • This study was conducted to recognize the need for diet and nutrition education to correct body-shape and eating habits that lead to eating disorders in college students. The relationship between diet and obesity was confirmed. Approximately 405 (male 46.4%, female 53.6%) students were evaluated by questionnaire in September 2014. The statistical program SAS (ver. 4.3) was used to evaluate the Chi-squared, F and T-value. The correlation between eating disorder risk and eating habits was evaluated by Pearson's correlation. Body type recognition was classified into nine steps up the body fatty (9) to skinny (1) to show their body. Eating disorder risk (KEAT-26) was composed of F1 (attachment factors for weight loss), F2 (attachment factors for binge eating, and food), and F3 (adjustment factor to eating their will. The risk of eating disorders in male 73.4% of low risk, in female 61.3% (p<0.05). According to body mass index, underweight groups recognized in the normal weight (53.7%), normal weight group was in overweight (29.1%) (p<0.001). According to body-type, the overweight group had a higher risk of eating disorders (68.2%). The KEAT-26 showed that the overweight and obese group were high-risk in F1 & F2, while the underweight group was high-risk in F3 (p<0.001). Recognized overweight showed the dangers of eating disorders, proper recognition of body-type and body mass index required. Tendency to seek a balanced diet was associated with eating disorders, no-imposed adequate diet for nutritional education would be made. Proper nutrition education for males is needed depending on the increased incidence of male eating disorders.

Risk of Fracture Prevalence and Glycemic Control in Korean Older and Middle-aged Patients with Diabetes: A Retrospective Analysis of a Cohort Derived from the Korean National Health Insurance Sharing Service Database, 2009-2013 (노인과 중년 당뇨병 환자의 골절의 발생 빈도 위험과 혈당조절의 관계)

  • Sin, Hye Yeon
    • Korean Journal of Clinical Pharmacy
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    • v.28 no.3
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    • pp.194-203
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    • 2018
  • Background: Bone fractures are high in elderly patients with type 2 diabetes mellitus (T2DM). Hyperglycemia and chronic kidney disease may increase the risk of fracture prevalence via altered bone metabolism, but whether glycemic control and kidney function are associated with the risk of fracture prevalence remains unclear. This study evaluated the relationship between glycemic control and baseline estimated glomerular filtration rate (eGFR) and risk of fracture prevalence in older and middle-aged patients with T2DM. Methods: Patients who underwent a general medical check-up between 2009 and 2013 were selected from the Korean National Health Insurance Sharing Service records. Chi-square test and multiple logistic regression analysis were used to assess the relationship between glycemic control and eGFR and risk of fracture prevalence. Results: Cumulative fracture prevalence were higher in patients with T2DM, irrespective of whether they had tight or less stringent glycemic control (fasting blood glucose [FBG] ${\geq}110mg/dL$). After adjustment for baseline age and FBG, tight and less stringent glycemic control was significantly associated with increased adjusted risk of fracture prevalence in middle-aged patients with T2DM (OR=1.13, 95% CI, 1.05-1.21, p=0.0005 vs OR=1.13, 95% CI, 1.06-1.20, p=0.0001), but not in older patients. Baseline eGFR was not significantly related to fracture prevalence in either older or middle-aged patients. Conclusion: Less stringent glycemic control significantly increased the adjusted risk of fracture prevalence in middle-aged patients with T2DM. Further studies are needed to confirm the effect of tight glycemic control on fracture prevalence.

Risk Factors for Delayed Hinge Fracture after Plate-Augmented Cervical Open-Door Laminoplasty

  • Hur, Junseok W.;Park, Youn-Kwan;Kim, Bum-Joon;Moon, Hong-Joo;Kim, Joo-Han
    • Journal of Korean Neurosurgical Society
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    • v.59 no.4
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    • pp.368-373
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    • 2016
  • Objective : Delayed hinge fracture (HF) that develops after cervical open door laminoplasty can be a source of postoperative complications such as axial pain. However, risk factors related to this complication remain unclear. We performed a retrospective clinical series to determine risk factors for delayed HF following plate-only open-door cervical laminoplasty. Methods : Patients who underwent plate-only open-door laminoplasty and had available postoperative computed tomography (CT) scans (80 patients with 270 laminae) were enrolled. Hinge status, hinge gutter location, open location, hinge width, number of screws used, operation level, and open angle were observed in the CT to determine radiographic outcome. Demographic data were collected as well. Radiographic and clinical parameters were analyzed using univariate and multivariate logistic regression analysis to determine the risk factors for HF. Results : Univariate logistic regression analysis results indicated poor initial hinge status, medially placed hinge gutter, double screw fixation on the elevated lamina, upper surgical level, and wide open angle as predictors for HF (p<0.05). Initial hinge status seemed to be the most powerful risk factor for HF (p=0.000) and thus was collinear with other variables. Therefore, multivariate logistic regression analysis was performed excluding initial hinge status, and the results indicated that medially placed hinge gutter, double screw fixation on the elevated lamina, and upper surgical level were risk factors for HF after adjustment for other confounding factors. Conclusion : To prevent HF and to draw a successful postoperative outcome after cervical laminoplasty, surgical and clinical precautions should be considered.

Developing a Hospital-Wide All-Cause Risk-Standardized Readmission Measure Using Administrative Claims Data in Korea: Methodological Explorations and Implications (건강보험 청구자료를 이용한 일반 질 지표로서의 위험도 표준화 재입원율 산출: 방법론적 탐색과 시사점)

  • Kim, Myunghwa;Kim, Hongsoo;Hwang, Soo-Hee
    • Health Policy and Management
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    • v.25 no.3
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    • pp.197-206
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    • 2015
  • Background: The purpose of this study was to propose a method for developing a measure of hospital-wide all-cause risk-standardized readmissions using administrative claims data in Korea and to discuss further considerations in the refinement and implementation of the readmission measure. Methods: By adapting the methodology of the United States Center for Medicare & Medicaid Services for creating a 30-day readmission measure, we developed a 6-step approach for generating a comparable measure using Korean datasets. Using the 2010 Korean National Health Insurance (NHI) claims data as the development dataset, hierarchical regression models were fitted to calculate a hospital-wide all-cause risk-standardized readmission measure. Six regression models were fitted to calculate the readmission rates of six clinical condition groups, respectively and a single, weighted, overall readmission rate was calculated from the readmission rates of these subgroups. Lastly, the case mix differences among hospitals were risk-adjusted using patient-level comorbidity variables. The model was validated using the 2009 NHI claims data as the validation dataset. Results: The unadjusted, hospital-wide all-cause readmission rate was 13.37%, and the adjusted risk-standardized rate was 10.90%, varying by hospital type. The highest risk-standardized readmission rate was in hospitals (11.43%), followed by general hospitals (9.40%) and tertiary hospitals (7.04%). Conclusion: The newly developed, hospital-wide all-cause readmission measure can be used in quality and performance evaluations of hospitals in Korea. Needed are further methodological refinements of the readmission measures and also strategies to implement the measure as a hospital performance indicator.

The Association between Food Group Consumption Patterns and Early Metabolic Syndrome Risk in Non-Diabetic Healthy People

  • Yeo, Rimkyo;Yoon, So Ra;Kim, Oh Yoen
    • Clinical Nutrition Research
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    • v.6 no.3
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    • pp.172-182
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    • 2017
  • We investigated the association between dietary habits/food group consumption patterns and early risk of metabolic syndrome (MetS), a main cause for metabolic disease. Study participants were recruited from the health promotion center in Dong-A University Hospital and public advertisement. Study subjects (n = 243, 21-80 years) were categorized into three groups: Super-healthy (MetS risk factor [MetS RF] = 0, n = 111), MetS-risk carriers (MetS RF = 1-2, n = 96), and MetS (MetS $RF{\geq}3$, n = 27). Higher regularity in dietary habits (breakfast-everyday, regular eating time, non-frequent overeating, and non-frequent eating-out) was observed in the Super-healthy group than in the MetS-risk carriers, and particularly in the MetS subjects. The relationship between food group consumption patterns and MetS-risk related parameters were investigated with adjustment for confounding factors. Fruit consumption was positively associated with HDL-cholesterol, and tended to be negatively associated with waist circumference, triglyceride, LDL-cholesterol, and insulin resistance (IR). The consumption of low-fat meats and fish, and vegetables was negatively associated with hs-CRP. Specifically, the consumption of seafoods belonging to the low-fat fish was negatively associated with fasting glucose, hs-CRP, and interleukin (IL)-6. Anchovy/dried white baits consumption was negatively associated with fasting insulin and IR. Green-yellow vegetables consumption was negatively associated with fasting insulin, IR, and hs-CRP. On the other hand, sugars and fast-foods were positively associated with LDL-cholesterol. Additionally, fast-foods consumption was positively associated with hs-CRP and IL-6 levels. In conclusion, dietary habits/food group consumption patterns are closely associated with MetS-risk related parameters in Koreans. It may suggest useful information to educate people to properly select healthy foods for early prevention of MetS.

Risk Factors Analysis of Prehypertension in Adults: The Korean National Health and Nutrition Examination Survey 2018 (성인 고혈압 전기 발생의 위험요인 분석: 국민건강영양 조사 제7기 3차 년도(2018년도) 자료 활용)

  • Lee, Ju-Ry
    • The Journal of the Korea Contents Association
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    • v.21 no.1
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    • pp.456-464
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    • 2021
  • The purpose of this study was to identify the risk factors related to prehypertension in Korean adults. The data were collected from the Korean National Health and Nutrition Examination Survey 2018. The subjects of this study were 3,286 adults aged over 30 years of old. We analyzed risk factors of prehypertension using multiple logistic regression based on complex sample design. The prevalence of prehypertension was 60.8%. As the result, the risk of prehypertension in elderly, current smoking persons, overweight, obesity, hyperlipidemia in triglyceride and HDL cholesterol. And the risk of decreased in health check-up, aerobic physical activity. Therefore, in order to reduce the incidence of prehypertension, it is required to prepare interventions to prevent prehypertension through the adjustment of lifestyle for subjects with risk factors for developing prehypertension.