• 제목/요약/키워드: mutual insurance

검색결과 66건 처리시간 0.026초

민관협력을 통한 고혈압.당뇨병 등록.관리사업의 접근 전략: 홍천군 사례의 정책적 함의 (Accessible Strategy of the Registration & Management of Hypertension and Diabetes Mellitus Patients through the Public-Private Partnership: Policy Implications Fron the Hongcheon-gun Case)

  • 변도화;김은정;박명배;손효림;박혜경;김춘배
    • 보건교육건강증진학회지
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    • 제30권4호
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    • pp.111-123
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    • 2013
  • Objectives: This study aimed to share with experiences of a demonstration program based on a community for prevention and management of hypertension and diabetes mellitus, and to supply the evidence of accessible strategies within the community through the public-private partnershipin the near future. Methods: This study case was "the program of registration and management of hypertension and diabetes mellitus patients" which was conducted in Hogncheon-gun in Gangwon-province, 2012. Results: The infrastructure of this center was constructed with the public-private sector partnership according to the basic model of demonstration program since November, 2012. So, the total registered rate of hypertension and diabetes mellitus patients were 26.6% in comparison with suspected patients (to the result of 2011 Korea National Health and Nutrition Examination Survey), 37.8% in comparison with the real number of outpatient (to the claims data of 2011 Branch Honcheon-gun, National Health Insurance Corporation), and 107.8% in comparison with the project goal, sequentially. To the patients who were not treated for 30 and 60 days among the registered patients, a recall service was conducted. Through this intervention, it was monitored that this program has enhanced the consecutive treatment rate of the registered patients. Conclusions: To improve the continuous management of hypertension and diabetes mellitus patients, we are gotten to know that the community need the joint participation and mutual cooperation with public-private sector partnership.

베이비붐세대 가계의 자산.부채상태 분석: 2006년과 2011년 비교 (Asset-Liability Analysis of Baby-Boomer Households: Comparison of year 2006 and 2011)

  • 차경욱
    • 가족자원경영과 정책
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    • 제16권3호
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    • pp.153-176
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    • 2012
  • This study gives an account of the state of baby-boomer households in regard to assets and liabilities utilizing the 2006 Household Asset Survey and the 2011 Survey of Household Finances. Using the data gathered from each year, this study examined the proportion of households who had each type of asset and liability, and the amount of them. This study also compared the amount of assets and liabilities of baby-boomer households with those of non baby-boomer households in 2006 and 2011 respectively. Finally, this study examined the amount of change and composition ratio of assets and liabilities of baby-boomer households between 2006 and 2011. Selected financial ratios were also presented for both years. Major findings are as follows. The average asset amount for baby-boomer households was approximately 296 million in 2006 and 392 million in 2011. Of total assets, 78% and 76.5% were real assets in 2006 and 2011 respectively. The average financial assets of 2006 baby-boomer households were approximately 66 thousand and the average amount of debt was 42 thousand. For 2011 baby-boomer households, the average amount of financial assets was 92 thousand and the average amount of debt was 73 thousand. Results from the 2011 survey showed that baby-boomer households had a significantly higher proportion of total assets, total debt, and net worth than non baby-boomer households. The proportion of savings, saving insurance, stocks, and mutual funds were significantly higher for baby-boomer households than non baby-boomer households in 2011. In regard to financial ratios, the emergency fund index and debt burden index were appropriate to the guidelines of asset quality, although the propensity to investment indexes were not.

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TPO 시트재와 유도가열공법을 적용한 고내풍성 지붕마감 공법 (The Roofing System of High wind-Resistant Performance using Thermoplastic polyolefin and Electromagnetic Induction Technology)

  • 최희복;신윤석;최진철;이보형;강경인
    • 한국건축시공학회지
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    • 제9권1호
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    • pp.103-109
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    • 2009
  • Strong winds according to global warming cause the increase of the frequency and the repair cost of damaged roofs. In the United States, Factory Mutual Insurance Company(FMIC) promotes the roofing design that resists heavy wind-load, as the means of strict criteria. This fact reveals that more durable roofing system will be also required in Korea. Therefore, this study aims at developing such a system with high wind-resistance performance using Thermoplastic polyolefin(TPO) and Electromagnetic induction technology(EIT) than the previous systems. The system presented in this study consists of 4 main devices as follow; 1) a disc to fix sheets for TPO & EIT method, which can conduct structural design according to site condition, such as region, building height, and wind load. 2) a nail to have about 30% stronger lifting-up capacity than that of the previous nail. 3) a disc to fix sheets, which has triangle protuberance not to damage sheets in the repeatable wind load, and 4) a electromagnetic induction device to combine a disc and a sheet by heating uniformly and quickly adhesive agent on the disc. The results of mock-up test illustrate that the system provides wind-resistant performance to achieve satisfactorily the structural design criteria of FMIC. In addition, the system is faster, chipper, and easier than the existing system, and is expected that this roofing system can be applied to the rehabilitations of an existing as well as a new building.

일제강점기 농민복리 -사회사 관점 중심으로- (A Social Historical Study on the Farmer's Welfare under the Rule of Japanese Imperialism)

  • 최옥채
    • 한국사회복지학
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    • 제65권2호
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    • pp.287-311
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    • 2013
  • 이 연구의 목적은 일제강점기에 이루어진 농민복리의 실상을 체계적으로 자료화하고, 당시 농민복리를 정치 경제 사회 문화적 작용을 바탕으로 사회사 관점에서 해석하는 데 있다. 1차 자료 중심으로 일제강점기에 이루어진 농민복리를 공공부조, 사회복지서비스, 농민복리운동, 농장의 사회사업, 상부상조, 기타로 분류 자료화했다. 이 자료를 사회사 관점에서 혼란한 사회에서의 표적화, 음모론적 시혜, 독점자본과 차별 속의 수혜, 소외된 자의 저항적 자구책, 문명적 삶의 부분적 개량화, 구조적 이중고 속의 종교적 은혜, 농민의 국부적 생활 향상이라는 일곱 주제를 추출하여 해석하고, 이 내용에 근거하여 농촌사회복지에의 함의를 제시하였다.

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유아교사의 안전인식과 유아교육기관의 안전교육 실태 (A Study of the Actual Condition of Safety Education in Early-childhood Educational Institutions and Teacher's Safety Recognition)

  • 이영환;임옥희;원은실
    • 한국가정과학회지
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    • 제7권3호
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    • pp.59-71
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    • 2004
  • The purpose of this study is to emboss the importance of safety education by recognizing the instructor's thoughts on safety and the prevention of safety accidents of early-childhood through the examination, analysis of the education site of safety at early-childhood education facilities. The subject of this were 120 early-childhood teachers in the Jeonbuk areas. The data were collected using questionaries and analyzed by the statistical methods of frequencies. ANOVA with SPSS pc program. The research questions were as follows; 1. What is the understanding of early-childhood teachers on safety recognition? 2. Is there a difference in the understanding of the teacher on safety and the management of the education curriculum on safety education that is being taught at early-childhood education facilities? The main results and solutions of this study were as follows: 1. In order for early-childhood teachers to teach safety education in early-childhood education facilities, they must join a safety mutual aid association or join an insurance policy to furnish an appropriate compensation system. Also, safety education must be systematically taught at a $social{\cdot}national$ level so that teachers and young children can have an understanding on safety under the support and concern of early-childhood education facilities and administration authorities. 2. Results on the comparison of the understanding of safety education and management of actual education of teachers on the actual conditions of the education curriculum of safety education show that although teachers are aware of most items of safety education but the actual education was not being taught. This means that although the teachers are aware of the importance of safety education, the actual education is not being taught.

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배리어 옵션이 내재된 지수연동형 보험상품의 가격결정 (Pricing an Outside Barrier Equity-Indexed Annuity with Flexible Monitoring Period)

  • 신승희;이항석
    • Communications for Statistical Applications and Methods
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    • 제16권2호
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    • pp.249-264
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    • 2009
  • 지수연동형 보험상품(EIA: Equity-indexed annuities)은 주식시장의 수익률과 연계하여 보험상품의 수익률이 결정되며 주식시장의 수익률이 낮은 경우에도 최소보장 수익률이 제공되는 상품이다 EIA의 수익률은 주가 수익률에 일정 비율을 곱하고 이 값과 최소보장수익률과 비교하여 높은 값을 수익률로 정의한다. 여기서 주가수익률에 곱하는 일정비율을 참여율(Participation rate)이라고 부른다. 본 논문에서는 수익률을 결정하는 주가지수와 일정수준을 넘는 여부를 결정하는 주가지수를 다른 지수로 사용하는 Outside Barrier가 내재된 보험 상품을 제안하고자 한다. 특히 Outside Barrier조건의 결정을 계약기간 전체가 아닌 계약기간의 일부분으로 선정한 것이 특징이다. 이러한 수익률 구조를 반영하는 가격 공식을 기댓값 계산을 통하여 유도하고 수치해석 기법을 이용하여 최소보장이율, Rebate, barrier 수준, 주가 변동성, 상관계수 및 관측기간 등의 변수가 참여율의 결정 에 어떤 영향을 미치는지를 알아보고자 한다.

서비스무역통계를 활용한 업종별 경쟁력 분석 (Analysing Competitiveness by Service Classifications using EBOPS)

  • 강효원
    • 무역학회지
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    • 제41권5호
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    • pp.163-185
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    • 2016
  • 2015년 우리나라는 약 9,632억 달러의 무역규모와 약 902억 달러의 상품무역흑자를 달성한 반면, 서비스무역은 약 152억 달러의 적자를 기록하였다. WTO에 따르면 서비스무역은 부가가치 및 고용 창출효과가 높고, 국민의 소득수준, 삶의 질 등과 밀접하게 연결되는 특성을 가지고 있다. 본 연구는 2006년부터 2015년까지 12개 항목의 서비스무역 세분류통계 정보를 분석하고 지난 10년간 업종별 서비스무역의 대외경쟁력을 측정해 보았다. 분석결과 첫째, 상품무역규모대비 서비스무역규모는 점차 증가하고 있다. 둘째, 서비스무역 업종별 경쟁력분석을 통해 정책의 수립 및 지원의 우선순위를 고려할 수 있다. 마지막으로 서비스무역 내 업종 간 연계성과 서비스무역과 상품무역 간 연계성을 고려한 정책과제 수립이 필요하다고 할 수 있다.

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해양사고에 따른 해원(海員)의 과실책임에 대한 형사실무적 고찰 (A Study on Seaman's Criminal Responsibility of Marine Accidents)

  • 송용섭;서거석;박용욱
    • 해양환경안전학회지
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    • 제11권2호
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    • pp.41-49
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    • 2005
  • 해양사고가 발생하게 되면 총론적으로는 해원의 형사책임은 자기부죄의 원칙상 해원이 직접 부담하지 아니할 수 없다. 그러므로 해원의 형사책임에 대한 대책은 형사상의 절차(영장실질심사제도, 구속적부심제도 등)를 최대한 이용하여 자신의 형사책임을 줄이는 방법 밖에는 없을 것이다. 기존법률의 개정을 통해 형벌을 낮추는 것도 하나의 방법이 될 것이다. 각론적으로 벌금 관련한 예로서 현행 해양오염방지법상의 과실로 인한 기름유출사고의 벌금인 3천만원은 유출량에 관계없이 최고액수가 벌금으로 나오는 경향이 있으므로 이를 유출량에 따라 차등화 시키는 것도 고려해볼 가치가 있을 것으로 판단된다. P&I의 벌금납부는 일반의 인식과는 달리 P&I가 법적의무를 부담하거나 P&I납부를 인정하는 경우에만 전보가 가능하다. 이러한 문제를 해결하기 위해서는 새로운 집단적 보험이나 공제제도를 신설하는 것도 하나의 대안이 될 것이다. 또한 해원들은 법률적인 문제에 대하여 전문가가 아니므로 법률적인 문제에 연루되게 되면 변호사 등 법률전문가의 조력을 체계적으로 받을 수 있도록 선주협회나 해기사협회 등에서 대안을 마련할 필요가 있다. (예 농어민무료법률구조지원사업 등). 끝으로 별도의 법률을 제정하든지 그렇지 않으면 기존의 교통사고처리특례법을 개정하여 해양사고부분을 삽입하는 것도 대안일 수 있을 것이다.

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기준연도 조정에 따른 환산지수 민감도 분석 연구 (A Study on the Sensitivity of Conversion Factor According to Change of Base Year)

  • 오동일
    • 한국산학기술학회논문지
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    • 제21권4호
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    • pp.201-209
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    • 2020
  • 본 연구에서는 최근 수가계약 과정에서 논란이 되고 있는 기준연도 변경과 관련된 이슈를 살펴보았다. 이와 관련하여 기준연도 변경이 유형별 환산지수에 미치는 영향과 관련해 민감도분석을 실시하였다. 그리고 기준연도변경이 특정유형에 미치는 유리하거나 불리한 상황을 분석하였다. 또한 단일 환산지수 체계라고 가정하는 경우 기준연도 변경에 따른 환산지수 변동도 고찰하였다. 본 연구의 주요한 결론은 다음과 같다. 첫째, 기준연도를 현재시점에 가깝게 변경하는 경우 병원의 환산지수에는 유리한 효과가 발생한다. 둘째, 기준연도를 현재 시점에 가깝게 변경하는 경우 약국과 의원의 환산지수에는 불리한 효과가 발생하며 의원의 경우 불리한 효과가 크다. 셋째, 유형 전체에 단일 환산지수를 일괄적으로 적용한다고 가정하면 기준연도를 현재 시점에 가깝게 변경하는 경우 모든 유형에 유리한 효과가 발생한다. 기준연도 변동은 보험자와 의료공급자, 의료공급자 사이에 이해충돌을 가지고 올 수 있다. 따라서 자원 배분의 합리적인 근거를 바탕으로 상호 합의에 추진되어야 하며 손실이 초래되는 유형에 대해서는 한시적 보상을 위한 인센티브를 제시할 필요가 있다.

만성질환노인 및 가족의 사회복지적 욕구에 대한 연구 (A Study on the Social Welfare Needs of the Aged Chronic Patients and Their Family)

  • 왕경희
    • 보건의료산업학회지
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    • 제1권1호
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    • pp.59-74
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    • 2007
  • Considering the characteristics of the Korean family which maintain a close connection with their patients from the moment of their falling sick to hospitalization to discharge, the family is the most important environmental factor of the social supporting system, and is the important object of the client as well as activity system. The medical social work intends to meet the practical needs of aged chronic patients, providing them and their family with a professional human service. The end of this study is to find out the hardships of both the aged chronic patients and their family as well as their needs for the social welfare service, and to search out the way of comprehensive social work service. The summary of the analysis of the survey is as follows: 1. The needs of aged chronic patients are divided into those of the solution of the problems of falling ill, social welfare program and discharge. Those needs arc affected by the various factors of the types of hospitals, the patients' age, the kinds of insurance, and the supporting systems, etc. Accordingly, the assessment of the needs of the patients are asked to be done comprehensively in accordance with the kinds of diseases and social environments. 2. The importance of the family to the aged chronic patients is evident. The family plays a decisive role in the patients' hospitalization and discharge, the family being an important supporting system and making it necessary to take an approach to client system. The family has difficulty in getting connection of community resources, in adapting to social life after the patient's discharge, and in paying the treatment. The family suffers the secondary hardships more than the burden of the treatment expenses. 3. For this reason various interventions are needed to reduce the stress caused by supporting and nursing patients. Thus the social welfare service for the aged chronic patients and their family needs the following prepositions: 1. It is the characteristics of the aged chronic patients that they need continuous care and that the strengths of the patients and their family cannot be too much emphasized, and that comprehensive assessment based on the connection 'with the community and the mutual interchange 'with the environment, is much emphasized. 2. The family of the aged chronic patient is a resources system as well as a client one. 3. Another characteristic of the aged chronic patients is that with the resources connection in mind, it needs an active intervention of social workers in the community. With these prepositions considered, the development of practical social work service for the aged chronic patients is thought urgently needed.

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