• Title/Summary/Keyword: rate and ratio

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Development of a Business Model for Korean Insurance Companies with the Analysis of Fiduciary Relationship Persistency Rate (신뢰관계 유지율 분석을 통한 보험회사의 비즈니스 모델 개발)

  • 최인수;홍복안
    • Journal of the Korea Society of Computer and Information
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    • v.6 no.4
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    • pp.188-205
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    • 2001
  • Insurer's duty of declaration is based on reciprocity of principle of the highest good, and recently it is widely recognized in the British and American insurance circles. The conception of fiduciary relationship is no longer equity or the legal theory which is only confined to the nations with Anglo-American laws. Therefore, recognizing the fiduciary relationship as the essence of insurance contract, which is more closely related to public interest than any other fields. will serve an efficient measure to seek fair and reasonable relationship with contractor, and provide legal foundation which permits contractor to bring an action for damage against violation of insurer's duty of declaration. In the future, only when the fiduciary relationship is approved as the essence of insurance contract, the business performance and quality of insurance industry is expected to increase. Therefore, to keep well this fiduciary relationship, or increase the fiduciary relationship persistency rates seems to be the bottom line in the insurance industry. In this paper, we developed a fiduciary relationship maintenance ratio based on comparison by case, which is represented with usually maintained contract months to paid months, based on each contract of the basis point. In this paper we have developed a new business model seeking the maximum profit with low cost and high efficiency, management policy of putting its priority on its substantiality, as an improvement measure to break away from the vicious circle of high cost and low efficiency, and management policy of putting its priority on its external growth(expansion of market share).

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Effects of Phenolic Compounds of Persimmon Leaves on Antioxidative System and Miscellaneous Enzyme Activities Related to Liver Function in Ethanol-Induced Hepatotoxicity of Rats (감잎의 Phenolic Compounds가 에탄올을 투여한 흰쥐의 항산화계 및 기타 효소활성에 미치는 영향)

  • 정창주;윤준식;이명렬
    • Food Science and Preservation
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    • v.11 no.1
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    • pp.79-87
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    • 2004
  • To investigate antioxidative effects of phenolic compounds separated from persimmon leaves(PL)(Diospyros kaki Thunb.) on the ethanol-induced hepatotoxicity in rat, Sprague-Dawley rats weighing 100-150 g were divided into 5 groups; control group(CON), PL(70 mg/kg) administered group(PEl), ethanol(5 mL/kg, 25%) administered group(ETH), PL(70 mg/kg) and ethanol administered group (PE2), and PL(140 mg/kg) and ethanol administered group(PE3), respectively. The antioxidative activity of persimmon leaves decreased in order of ethylacetate>interphase materials>n-butanol>chloroform>n-hexane>water fraction. The growth rate and feed efficiency ratio decreased by ethanol were gradually increased to the adjacent level of CON by administering PL. The serum activities of ALT, alkaline phosphatase and lactic acid dehydrogenase elevated by ethanol were decreased significantly. It was also observed that the activities of SOD, catalase, and GSH-Px of rat liver increased by ethanol were markedly decreased in PL administered group as compared to ETH. The GSH content of liver was decreased by ethanol, but that was increased in PE1 and PE2 compared with ETH as a dose-dependant manner. These results suggested that phenolic compounds separated from persimmon leaves have a possible protective and relievable effect on the ethanol-induced hepatotoxicity in rats.

Air Gasification Characteristics of Unused Woody Biomass in a Lab-scale Bubbling Fluidized Bed Gasifier (미이용 산림바이오매스 및 폐목재의 기포 유동층 Air 가스화 특성 연구)

  • Han, Si Woo;Seo, Myung Won;Park, Sung Jin;Son, Seong Hye;Yoon, Sang Jun;Ra, Ho Won;Mun, Tae-Young;Moon, Ji Hong;Yoon, Sung Min;Kim, Jae Ho;Lee, Uen Do;Jeong, Su Hwa;Yang, Chang Won;Rhee, Young Woo
    • Korean Chemical Engineering Research
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    • v.57 no.6
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    • pp.874-882
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    • 2019
  • In this study, the gasification characteristics of four types of unused woody biomass and one waste wood in a lab-scale bubbling fluidized bed gasifier (Diameter: 0.11 m, Height: 0.42 m) were investigated. Effect of equivalence ratio (ER) of 0.15-0.3 and gas velocity of $2.5-5U_0/U_{mf}$ are determined at the constant temperature of $800^{\circ}C$ and fuel feeding rate of 1 kg/h. The silica sand particle having an average particle size of $287{\mu}m$ and olivine with an average particle size of $500{\mu}m$ were used as the bed material, respectively. The average product gas composition of samples is as follows; $H_2$ 3-4 vol.%, CO 15-16 vol.%, $CH_4$ 4 vol.% and $CO_2$ 18-19 vol.% with a lower heating value (LHV) of $1193-1301kcal/Nm^3$ and higher heating value (HHV) of $1262-1377kcal/Nm^3$. In addition, it was found that olivine reduced most of C2 components and increased $H_2$ content compared to silica sand, resulting in cracking reaction of tar. The non-condensable tar decreases by 72% ($1.24{\rightarrow}0.35g/Nm^3$) and the condensable tar decreases by 27% ($4.4{\rightarrow}3.2g/Nm^3$).

Numerical analysis of morphological changes by opening gates of Sejong Weir (보 개방에 의한 하도의 지형변화 과정 수치모의 분석(세종보를 중심으로))

  • Jang, Chang-Lae;Baek, Tae Hyo;Kang, Taeun;Ock, Giyoung
    • Journal of Korea Water Resources Association
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    • v.54 no.8
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    • pp.629-641
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    • 2021
  • In this study, a two-dimensional numerical model (Nays2DH) was applied to analyze the process of morphological changes in the river channel bed depending on the changes in the amount of flooding after fully opening the Sejong weir, which was constructed upstream of the Geum River. For this, numerical simulations were performed by assuming the flow conditions, such as a non-uniform flow (NF), unsteady flows (single flood event, SF), and a continuous flood event (CF). Here, in the cases of the SF and CF, the normalized hydrograph was calculated from real flood events, and then the hydrograph was reconfigured by the peak flow discharge according to the scenario, and then it was employed as the flow discharge at the upstream boundary condition. In this study, to quantitatively evaluate the morphological changes, we analyzed the time changes in the bed deformation the bed relief index (BRI), and we compared the aerial photographs of the study area and the numerical simulation results. As simulation results of the NF, when the steady flow discharge increases, the ratio of lower width to depth decreases and the speed of bar migration increases. The BRI initially increases, but the amount of change decreased with time. In addition, when the steady flow discharge increases, the BRI increased. In the case of SF, the speed of bar migration decreased with the change of the flow discharge. In terms of the morphological response to the peak flood discharge, the time lag also indicated. In other words, in the SF, the change of channel bed indicates a phase lag with respect to the hydraulic condition. In the result of numerical simulation of CF, the speed of bar migration depending on the peak flood discharges decreased exponentially despite the repeated flood occurrences. In addition, as in the result of SF, the phase lag indicated, and the speed of bar migration decreased exponentially. The BRI increased with time changes, but the rate of increase in the BRI was modest despite the continuous peak flooding. Through this study, the morphological changes based on the hydrological characteristics of the river were analyzed numerically, and the methodology suggested that a quantitative prediction for the river bed change according to the flow characteristic can be applied to the field.

Dry Etching of Flexible Polycarbonate and PMMA in O2/SF6/CH4 Discharges (O2/SF6/CH4 플라즈마를 이용한 플렉시블 Polycarbonate와 PMMA의 건식 식각)

  • Joo, Y.W.;Park, Y.H.;Noh, H.S.;Kim, J.K.;Lee, J.W.
    • Journal of the Korean Vacuum Society
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    • v.18 no.2
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    • pp.85-91
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    • 2009
  • There has been a rapid progress for flexible polymer-based MEMS(Microelectromechanical Systems) technology. Polycarbonate (PC) and Poly Methyl Methacrylate (PMMA), so-called acrylic, have many advantages for optical, non-toxic and micro-device application. We studied dry etching of PC and PMMA as a function of % gas ratio in the $O_2/SF_6/CH_4$ temary plasma. A photoresist pattern was defined on the polymer samples with a mask using a conventional lithography. Plasma etching was done at 100 W RIE chuck power and 10 sccm total gas flow rate. The etch rates of PMMA were typically 2 times higher than those of PC in the whole experimental range. The result would be related to higher melting point of PC compared to that of PMMA. The highest etch rates of PMMA and PC were found in the $O_2/SF_6$ discharges among $O_2/SF_6$, $O_2/CH_4$ and $SF_6/CH_4$ and $O_2/SF_6/CH_4$ plasma composition (PC: ${\sim}350\;nm/min$ at 5 sccm $O_2/5$ sccm $SF_6$, PMMA: ${\sim}570\;nm/min$ at 2.5 sccm $O_2/7.5$ sccm $SF_6$). PC has smoother surface morphology than PMMA after etching in the $O_2/SF_6/CH_4$ discharges. The surface roughness of PC was in the range of 1.9$\sim$3.88 nm. However, that of PMMA was 17.3$\sim$26.1 nm.

Parameters on Physiological Responses of Soybean (Glycine max Merr.) to Salinity (염분에 대한 콩의 생리학적 반응지표 연구)

  • Chon, Sang-Uk;Park, Jong-Hwan
    • Korean Journal of Environmental Agriculture
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    • v.22 no.3
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    • pp.185-191
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    • 2003
  • The mechanism imparting salt tolerance to crop plants remains still unsolved, although soybean has been classified as a susceptible plant to NaCl. To determine optimum parameters on physiological responses for improving sensitivity of salinity in breeding program, soybean (Glycine max Merr., cv. "Gwan-gan") plants were grown in a greenhouse, treated 20 days after emergence for 7 days with NaCl at 0, 30, 60, and 90mM, corresponding to electric conductivity of 1.2, 4.4, 7.3, and 10.4 dS/m, respectively, and assessed 30 days after treatment. Chlorophyll contents were significantly decreased by NaCl ($0.4{\sim}1.0\;mg/g$) compared to control (1.2 mg/g). Photosynthesis rate by NaCl treatment at $0{\sim}90\;mM$ at flowering stage was ranged from 5.0 (control) to $9.6\;{\mu}mol/m^2/s$. Oxygen for respiration was consumed from 5.4 to $9.7\;{\mu}mol/m^2/s$ so that the ratio of $O_2$ (evolution:consumption) was increased with the increase of NaCl, indicating that $O_2$ consumption seems to go beyond $O_2$ evolution. Water potential of leaf at vegetative stage II was ranged from -0.6 to -1.8 MPa and the highest level was observed at mid-day. Water potential by salt stress was decreased with range of $-2.1{\sim}-2.7MPa$ compared to control. Transpiration was decreased from 17% to 20% by NaCl stress. Water vapor diffusing resistance of intercellular air space was affected significantly, increasing up to $16{\sim}24%$ compared to control by NaCl treatment. Salt-treated soybean tended to accumulate $Na^+$, specially in root, with reduced absorption of N, P, $K^+$, $Ca^{2+}$, and $Mg^{2+}$ contents. Free proline content of soybean leaf as affected by different NaCl concentrations was increased 4.2 times ($184{\sim}434\;{\mu}g/g$) more than control. NaCl also increased activities of nitrate reductase and peroxidase by $28{\sim}161%$ and $3{\sim}22%$, respectively. The results show that physiological characteristics of soybean plants during assay were useful as the best parameters of salt stress or salt tolerance test to improve sensitivity in screening and breeding program among cultivars or germplasms.

Mineralization of soil nitrogen and some characteristics of acid hydrolizable organic nitrogen of Korean paddy soils (한국답토양(韓國畓土壤)에서 토양질소(土壤窒素)의 유효화(有効化) 및 산가수분해성유기태질소(酸加水分解性有機態窒素)에 관(關)한 특징(特徵))

  • An, Sang-Bai;Kono, Mitsiyoshi
    • Korean Journal of Soil Science and Fertilizer
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    • v.10 no.1
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    • pp.29-37
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    • 1977
  • The mineralization of soil nitrogen, amino acid composition of acid hydrolizable organic nitrogen of four Korean soils were investigated in comparison with four Japanese (Hokuriku district) soils which is similar in nitrogen content but different in characteristics of clay minerals. The mineralization rate and pattern were quite different between Korean and Japanese soils; Korean soils were low in amount of mineralized nitrogen but porduced much ammonium nitrogen during the later stage of incubation. In Korean soils the ratio of acid hydrolizable nitrogen to total; especially ${\alpha}$-amino nitrogen and hydrolizable ammonium nitrogen were low while hexosamine content was considerablly high (greater than 10%) In all soils the amount of mineralized nitrogen showed significant positive correlation with ammonium nitrogen and ${\alpha}$-amino nitrogen in acid hydrolizate. The amino acid composition of acid hydrolizate of paddy soils showed higher in basic amino acids and lower in acidic amino acids than those of up land soils (humic volcanic ash soil) from both countries. Alanine content was low in Korean soils. Proline showed increasing trend with nitrogen content but aspartic acid decreasing.

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Composting of Livestock Waste and Development of Operating Parameters I. Development of Optimum Process Parameters in Cow Manure Composting (축산 폐기물의 퇴비화 및 운용지표 개발 I. 우분의 퇴비화에 있어서 최적 공정운용지표의 개발)

  • Chung, Jae-Chun
    • Journal of the Korea Organic Resources Recycling Association
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    • v.1 no.1
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    • pp.69-84
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    • 1993
  • In order to determine the optimum operational paramsters in cow manure composting, 4 laboratory scale composters were established. The cow manure was mixed with certain amount of saw dust to adjust the initial C/N ratio to 24, initial pH to 6.9 and composting was performed with varying operational conditions. It was found that the optimum aeration rate was 1000 ml/min kg. VS, the optimum moisture content 50% and no significant difference was found with different initial pH condition. Microorganisms were counted under the optimum conditions determined in this study. At the end of the experimental period, the number of bacteria, actinomycetes and fungi was $1.5{\times}10^9$ cells, $1.1{\times}10^8$ cells and $3.0{\times}10^8$ cells/g dry compost, respectively. At day 0, the number of coliforms, fecal coliforms and fecal streptococci was $3.1{\times}10^3$ cells, $7.5{\times}10^2$ cells and $5.6{\times}103$ cells/g dry composting material, respectively. Their population was decreased with time lapse, However, their survival time was longer than those reported by other researchers. Microorganisms were identified at the end of the experiment. Genus Bacillus was the most dominant comprising 89.3% of the total population. Among the Genus Bacillus, B. circulans compoex was the most abundant, followed by B. Stearothermophilus, B. Sphericus, B. licheniformis and B, brevis.

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Urinary Tract Infections in Febrile Infants under Three Months of Age (3개월 이하 영아기 열성 요로감염증에 대한 임상적 관찰)

  • Eun, Byung Wook;Chung, Yoo Mi;Kang, Hee Gyung;Ha, Il Soo;Cheong, Hae Il;Lee, Hoan Jong;Choi, Yong
    • Clinical and Experimental Pediatrics
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    • v.46 no.3
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    • pp.265-270
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    • 2003
  • Purpose : To characterize the infants under 3 months of age with urinary tract infections(UTIs), and especially patients with bacteremia or meningitis Methods : Hospital records of all the infants under 3 months of age discharged from our hospital for 69 consecutive months with the diagnosis of initial episode of UTI were reviewed. UTI was defined when patients had fever with pyuria, and had urine culture results of ${\geq}10^5$ colony forming units/mL from a bag specimen. Patients with previously known urologic abnormality or immunodeficiency were excluded. Nosocomial infections were also excluded from the study. Results : The male:female ratio was 35 : 6. Of the urine cultures, 40(97.6%) yielded single pathogen, one yielded two pathogens. Escherichia coli was the predominant isolate from the urine. Five patients(12%) also had bacteremia. Pathogens isolated from the blood cultures were E. coli(4) and Enterococcus faecalis(1). No patient had culture-positive meningitis or cerebrospinal fluid pleocytosis. Clinical or laboratory findings between patients with and without bacteremia were not different significantly. The rate of vesicoureteral reflux(VUR) was 44%. The sensitivity of ultrasound for detection of VUR was 38%; specificity was 50%. Conclusion : Clinical and laboratory data were not helpful for identifying patients with bacteremia at the time of presentation. Consequently, blood cultures need to be obtained from all febrile infants under 3 months of age with UTIs. A large-scale study including the indication of lumbar puncture for infants with a febrile UTI and study of evaluation and treatment of infants under 3 months of age with UTIs are required.

Enzymatic Hydrolysis of Yellowfin Sole Skin Gelatin in a Continuous Hollow Fiber Membrane Reactor (연속식 중공사막 반응기를 이용한 각시가자미피 젤라틴의 가수분해)

  • KIM Se-Kwon;BYUN Hee-Guk;KANG Tae-Jung;SONG Dae-Jin
    • Korean Journal of Fisheries and Aquatic Sciences
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    • v.26 no.2
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    • pp.120-132
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    • 1993
  • A continuous hollow fiber membrane reactor(CHFMR) was developed and optimized for the production of yellowfin sole(Limanda aspera) skin gelatin hydrolysates using trypsin. The results were summerized as follows: The $K_m$ value of the CHFMR was 2.4 times higher than that of the batch reactor, indicating reduced enzyme affinity for the substrate. The $K_2$ value of the CHFMR was 8.5 times lower than that of the batch process, showing a significant reduction in trypsin activity in the CHFMR. The optimum operating conditions for the CHFMR process were $55^{\circ}C$, pH 9.0, flux 7.79 ml/min, residence time 77min, and trypsin to substrate ratio, 0.01(w/w) After operating for 60min under the above conditions, $79\%$ of the total amount of initial gelatin was hydrolysed. Enzyme leakage was observed through the 10,000 MWCO membrane after the 20min of reactor operation, while none occurred after 5hr. Total enzyme leakage was about $12.95\%$ at $55^{\circ}C$ for 5hrs. However, there was no apparent correlation between enzyme leakage and substrate hydrolysis. The membrane has a significant effect on trypsin activity loss for 60min of the CHFMR operation. The CHFMR operating with the membrane lost $34\%$ of the initial activity versus a $23\%$ loss of activity after 3hr in the continuous reactor lacking the hollow fiber membrane. The measurement of fouling property showed that relative flux reduction was $91\%$ and flux recover rate was $92\%$ at $10\%$ substrate solution. The productivity(378.85mg product/mg enzyme) of the CHFMR was more than 4 times higher than that of the batch reactor at $55^{\circ}C$.

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