• 제목/요약/키워드: financial burden

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랜덤포레스트 모델을 활용한 청년층 차입자의 채무 불이행 위험 연구 (Predicting Default Risk among Young Adults with Random Forest Algorithm)

  • 이종희
    • 가족자원경영과 정책
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    • 제26권3호
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    • pp.19-34
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    • 2022
  • 청년층 및 저소득층을 포함한 취약계층과 제2금융권을 중심으로 한 부채 불이행에 대한 우려가 증가하고 있다. 청년층의 가계부채 건전성은 최근 고용 부진, 학자금대출 부담 증가, 제2금융권에서 고금리 대출 증가 등이 복합적으로 작용하여 더욱 취약해졌다. 본 연구의 목적은 한국의 청년층 차입자를 대상으로 채무 불이행 가능성을 진단하고, 그 가능성에 영향을 주는 요인을 예측하는 것이다. 이러한 목적을 달성하기 위하여 본 연구는 2021년 「가계금융·복지조사」를 활용하고, 청년층의 채무 불이행 가능성과 관련된 요인들을 포괄적으로 분석하기 위하여 머신러닝 알고리즘의 랜덤포레스트 방법을 적용하였다. 청년층 차입자의 채무 불이행 위험을 예측하는 모형을 탐색한 뒤 중요도 지수를 산출하고, 중요도가 높은 설명변수들을 선별한 뒤, 주요 결정요인들의 부분 의존성 도표를 제시하고자 하였다. 최종적으로 자산대비부채비율(DTA), 의료비 비중, 가계부실위험지수(HDRI), 통신비 비중, 주거비 비중이 주요한 변인으로 나타났다.

A Study on Zero Pay Image Recognition Using Big Data Analysis

  • Kim, Myung-He;Ryu, Ki-Hwan
    • International Journal of Internet, Broadcasting and Communication
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    • 제14권3호
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    • pp.193-204
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    • 2022
  • The 2018 Seoul Zero Pay is a policy actively promoted by the government as an economic stimulus package for small business owners and the self-employed who are experiencing economic depression due to COVID-19. However, the controversy over the effectiveness of Zero Pay continues even after two years have passed since the implementation of the policy. Zero Pay is a joint QR code mobile payment service introduced by the government, Seoul city, financial companies, and private simple payment providers to reduce the burden of card merchant fees for small business owners and self-employed people who are experiencing economic difficulties due to the economic downturn., it was attempted in the direction of economic revitalization for the return of alleyways[1]. Therefore, this study intends to draw implications for improvement measures so that the ongoing zero-pay can be further activated and the economy can be settled normally. The analysis results of this study are as follows. First, it shows the effect of increasing the income of small business owners by inducing consumption in alleyways through the economic revitalization policy of Zero Pay. Second, the issuance and distribution of Zero Pay helps to revitalize the local economy and contribute to the establishment of a virtuous cycle system. Third, stable operation is being realized by the introduction of blockchain technology to the Zero Pay platform. In terms of academic significance, the direction of Zero Pay's policies and systems was able to identify changes in the use of Zero Pay through big data analysis. The implementation of the zero-pay policy is in its infancy, and there are limitations in factors for examining the consumer image perception of zero-pay as there are insufficient prior studies. Therefore, continuous follow-up research on Zero Pay should be conducted.

한국 내 공공보건의료 개념의 문제점과 재설정 (Problems and Reconsideration of the Concept of Public Health Care (Public Health and Medical Services) in South Korea)

  • 성종호;김정하
    • 의학교육논단
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    • 제24권1호
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    • pp.3-9
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    • 2022
  • The concept of "public health care (public health and medical services)" as discussed in South Korea is used in an unclear sense, with a meaning unlike the terminology used worldwide. The terms "public health care (public health and medical services)" and "health care (health and medical services)" have the same legal definition in Korea. Globally, "public health care (public health and medical services)" refers to medical services provided to the public that are operated as publicly funded resources, but in Korea, this term is confined to limited medical services prescribed by the government. The following considerations regarding "public health care (public health and medical services)" in Korea are proposed: All medical services performed by the state, regional governments, health care institutions, or health care workers to protect and promote the health of the people should be clearly established as "public health care (public health and medical services)" by definition. The financial burden borne by the state through national health insurance should be increased to an appropriate level to clarify the state's responsibility. Improving public health is an urgent priority in Korea, and this goal can be achieved by improving regional public health through systematic relationships between the state and regional governments, establishing a Ministry of Health, and efficiently allocating public health doctors who are important for providing regional medical care in rural and remote areas. It will be possible to actively deal with infectious diseases at the national level through establishment of a Ministry of Disease Control and Prevention.

인과지도 분석을 통한 코로나-19의 소상공인 정책지원 연구 (A Study on Policy Support for Emergency Relief Grant for COVID-19 through Causal Loop Analyses)

  • 서경도;최정일;최판암;정재림
    • 한국융합학회논문지
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    • 제13권5호
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    • pp.531-539
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    • 2022
  • 정부는 COVID-19 확산을 방지하기 위해 사회적 거리두기 및 영업시간 제한 등의 정책을 시행하였고, COVID-19 장기 유행에 따라 소상공인들의 피해는 커지고 있다. 정부는 긴급재난지원금을 편성해 소상공인들의 경영압박을 해소하고자 하였다. 긴급재난지원금은 소상공인들에게 일시적인 도움이 되었지만, COVID-19 장기유행에 따라 경영 어려움은 커져갔다. 따라서 본 논문은 시스템 사고의 원형 중(Systme Archetype) 처방의 실패와 짐떠넘기기 원형을 활용하여 소상공인들의 회복력을 효과적으로 높일 수 있는 정책 지렛대로서의 정책 대안들을 탐색적으로 도출하고자 하였다. 소상공인들의 회복력을 높이기 위해 소상공인들의 긴급재정지원과 함께 소상공인들의 자생력을 높일 수 있는 지원이 필요하다.

Meshed Acellular Dermal Matrix for Two-Staged Prepectoral Breast Reconstruction: An Institutional Experience

  • Luo, Jessica;Willis, Rhett N. Jr;Ohlsen, Suzanna M.;Piccinin, Meghan;Moores, Neal;Kwok, Alvin C.;Agarwal, Jayant P.
    • Archives of Plastic Surgery
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    • 제49권2호
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    • pp.166-173
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    • 2022
  • The introduction of acellular dermal matrix (ADM) to breast reconstruction has allowed surgeons to reexplore the prepectoral implant placement technique in postmastectomy breast reconstruction. Our institution adopted a novel approach using meshed ADM to lessen the financial burden of increased ADM utilization with the prepectoral breast reconstruction. This is a retrospective, single-center review of two-stage prepectoral breast reconstruction using meshed human-derived ADM for anterior prosthesis coverage. Patient demographics, oncologic data, perioperative characteristics, and complications were examined and reported as means with standard deviations. Cost-saving with the meshed technique was evaluated. Forty-eight patients (72 breasts) with a mean age of 48.5 ± 15.0 years (range 26-70 years) were included in the study. The mean follow-up time was 13.2 ± 4.4 months (range 4.1-25.8 months). Nineteen breasts (24.6%) experienced complications, with seromas being the most common complication (12.5%, n = 9). Expander removal and reoperation occurred at a rate of 8.3 and 9.7%, respectively. The average time to drain removal was 18.8 ± 6.6 days (range 8-32 days). Meshed ADM provided an average cost savings of $6,601 for unilateral and $13,202 for bilateral reconstructions. Our study found that human-derived meshed ADM can be safely used in two-staged prepectoral tissue expander-based breast reconstruction and can result in significant cost savings.

손목터널증후군의 한의표준임상경로 개발 (Development of Korean Medicine Clinical Pathways for Carpal Tunnel Syndrome)

  • 박혜진;김현태;박선영;허인;황만석;신병철;황의형
    • 한방재활의학과학회지
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    • 제33권2호
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    • pp.57-76
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    • 2023
  • Objectives This study aims to develop Korean Medicine Clinical Pathway (CP) based on Clinical Practice Guideline of carpal tunnel syndrome to improve quality of treatment and reduce medical cost to maximize the quality of patient management. Methods A draft version of CP for carpal tunnel syndrome is developed by expert agreement and a prospective case study was carried out based on the draft CP. Twenty experts working at various medical institution answered validity verification survey of developed CP. Fifteen patients enrolled in the prospective case study answered survey on demand and satisfaction. Qualification and adjustment process of the draft CP was conducted based on results of both surveys. Results Final version of CP for carpal tunnel syndrome is confirmed after qualification and adjustment on the draft version. Conclusions CP for carpal tunnel syndrome will provide patients with standardized, high-quality Korean medicine treatment and also reduce financial burden of health insurance by reducing medical cost.

간호대학생의 임상 실습 전 예방접종 의도에 영향을 미치는 요인 (Factors related to the intention of pre-clinical vaccination among nursing students)

  • 안가형;장민수;강지현;김유리;신아현;박연환
    • 한국간호교육학회지
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    • 제29권3호
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    • pp.225-233
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    • 2023
  • Purpose: The aim of this study was to identify factors related to the vaccination intentions of nursing students before clinical practice. Methods: A descriptive correlational study design was used. The participants were 129 nursing students who were enrolled in one college of nursing in Seoul and were scheduled for clinical training. Data collection was conducted from February 28 to March 7, 2022. The data were analyzed using descriptive statistics, a t-test, ANOVA, Pearson's correlation coefficient, and a latitudinal regression analysis using the IBM SPSS statistics version 26.0 program. Results: The intention to vaccinate showed a significant correlation with vaccination attitude (r=.72, p<.001), subjective norms (r=.68, p<.001), and perceived behavioral control (r=.63, p<.001). The influencing factors on three intent to vaccinate were vaccination attitude (β=.36 p<.001), subjective norms (β=.31, p<.001), and perceived behavioral control (β=.36, p<.001). The explanatory power of these variables was 69.6%. Conclusion: The vaccination rate before the clinical training of nursing students was related to economic burden, a lack of time, and transportation problems that nursing college students experienced during the vaccination process. Therefore, administrative and financial support is needed for improving the vaccination rates of nursing students.

Current Status of the Pediatric Palliative Care Pilot Project in South Korea Based on the Experience of a Single Center

  • Sun Hee Choi;Na Ri Yoon;Yeonhee Lee
    • Journal of Hospice and Palliative Care
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    • 제26권2호
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    • pp.51-59
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    • 2023
  • Purpose: We evaluated the status of patients enrolled in South Korea's pediatric palliative care pilot project based on the experience of a single center. This study examined factors related to end-of-life services and differences in medical costs. Methods: The medical records of 120 patients referred by a pediatric palliative care team were analyzed retrospectively. Data from July 1 to February 28, 2022 were collected and analyzed using the chi-square test and the Mann-Whitney U test. Results: Volunteer programs and psychological support (100%), family support and education (99.2%), and financial support through institutional linkage (62.5%) were provided to the participants. In the deceased group, there were no significant differences in general characteristics, which included age, gender, primary disease, religion, duration of hospitalization in an intensive care unit (ICU) and non-intensive care unit (non-ICU). However, the ICU group had fewer opportunities to access individual pain and physical symptom management than the non-ICU group and there were limitations in linking with external resources. Medical expenses were significantly different for the ICU group, with a 3-times higher average cost than the non-ICU group. Conclusion: Although an individualized approach is needed for each patient in pediatric palliative care, psychosocial care is essential. In addition, if early intervention for end-of-life pediatric patients is available from a palliative care team, the cost burden of medical care for patients and their families should be minimal.

국방비전 2050 구현을 위한 군(軍) 인사법 개정방향 연구 (A Study on the Direction of the Military Personnel Act Revisions for the Implementation of Defense Vision 2050)

  • 이창인;박상혁
    • 문화기술의 융합
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    • 제9권1호
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    • pp.401-405
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    • 2023
  • 본 연구는 정부정책 기조인 '국방비전 2050' 프로젝트를 수행할 군(軍) 인적자원에 대한 현상학 적인 관점에서군(軍) 인사법 8조의 연령 및 근속 정년제도와 군인사법 시행령 33조의 진급 기준과 더불어 군인연금에 대한 개정방향을 제시하는 연구이다. 즉, 지난 60년 전 만들어진 '군인사법'과 '군인사법' 시행령은 2022년 현재 상황에서 본 제도는 시대적 환경에 따른 형평성에 어긋나며 특히, 정부정책 기조인 '국방비전 2050' 프로젝트를 수행하는 군(軍) 인적자원들에 대한 내재적·외재적 측면에서 지속적으로 모순점이 도출되는 현상이기 때문이며 이는 군인연금 재정에 따른 국가재정 부담까지 연계되고 있다. 따라서 본 연구는 군(軍) 조직에 우수한 인재가 지속적으로 유입되고 더 나아가 우수한 인적자원들이 군(軍) 조직에서 계급정년이 아닌 정년보장 제도를 통해 국가 최후 보루인 군(軍) 조직에서 안정적인 임무를 수행할 수 있도록 군(軍) 인사법을 개정해야 하는 필요성에 출발한 연구이다.

REC 명목가치 하락으로 인한 양적 통제장치로서의 RPS 왜곡 (REC Distortion as a Quantitative Control Policy due to REC Depreciation)

  • 유종민;이재석
    • 자원ㆍ환경경제연구
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    • 제31권1호
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    • pp.51-83
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    • 2022
  • 2012년부터 재생에너지 확대 정책을 위한 주요 정책 수단으로서 채택하고 있는 신재생에너지 공급의무화 제도(RPS)는 발전원별 경쟁을 유도함과 동시에 정부의 재정부담을 줄일 수 있다는 명백한 장점을 가지고 있지만, 높은 가중치 및 국가 공급인증서(REC) 남용 등으로 양적 통제정책으로서의 정책 왜곡을 초래하였다. 이는, REC 인플레이션과 그에 상응하는 MWh 단위의 실질 신재생에너지발전 실적 하락으로 이어졌고, 그 결과 RPS 기간 전체 신재생 의무이행량의 27.8%가 실제로는 충족되지 못했음을 본고에서 최초로 밝힌다. 뿐만 아니라 현재의 REC 가치왜곡은 인접제도라고 할 수 있는 RE100과 온실가스 배출권거래제와의 상호호환이 불가능해지게 하는 문제도 초래한다.