• 제목/요약/키워드: self-insurance

검색결과 393건 처리시간 0.025초

FINANCIAL SYSTEM: INNOVATIONS AND PRINCING OF RISKS

  • Melnikov, A.V.
    • 대한수학회지
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    • 제38권5호
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    • pp.1031-1046
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    • 2001
  • The paper studies the evolution of the financial markets and pays the basic attention to the role of financial innovations (derivative securities) in this process. A characterization of both complete and incomplete markets is given through an identification of the sets of contingent claims and terminal wealths of self-financing portfolios. the dynamics of the financial system is described as a movement of incomplete markets to a complete one when the volume of financial innovations is growing up and the spread tends to zero (the Merton financial innovation spiral). Namely in this context the paper deals with the problem of pricing risks in both field: finance and insurance.

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우리나라 고혈압 환자와 당뇨병 환자의 미충족 의료 수준과 관련 요인 (Unmet Health Care Needs and Associated Factors among Patients with Hypertension and Those with Diabetes in Korea)

  • 허순임;이수형
    • 보건행정학회지
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    • 제21권1호
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    • pp.1-22
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    • 2011
  • This study investigated unmet health care needs and associated factors among patients with hypertension and those with diabetes. Patients were identified by medical professionals. Patients who did not take pharmaceuticals to treat their disease(s) were defined as those with unmet health care needs. Using data from 2005 National Health and Nutrition Examination Survey, 3,635 hypertension patients and 1,431 diabetes patients were analyzed. A multivariate logistic regression analysis was employed to examine factors associated with unmet needs. Overall, 16.6% of hypertension patients, 20.3% of those with diabetes presented unmet needs. Common factors associated unmet needs for both hypertension and diabetes were sex, insurance type, self-reported health status and length of disease. Study findings suggest that hypertension and diabetes should be treated in early stage and further study is needed to examine the reasons for unmet needs to improve patient's status effectively.

중소기업에 적합한 안전관리 모델 개발에 관한 연구 (A study on the development of safety management model suitable for small-to-medium enterprises)

  • 권희봉;이창호
    • 대한안전경영과학회지
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    • 제1권1호
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    • pp.19-28
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    • 1999
  • This paper presents the safety management model, which is appropriate for small-to-medium enterprises that rank the highest disaster rate. It is required for these companies to modify and improve the safety-related articles and it is peformed to compare and analyze the industrial disasters and safety management systems between large enterprises and small-to-medium enterprises. The basic direction of change of industrial safety healthy system must be classified to the dual direction. For large enterprises, it is focused on not pre-regulations but post-regulations based on the self-control safety management system. But for small-to-medium enterprises, it is required to intensify the safety management system and the safety responsibility for owners or administrators. Specially, the responsibility for disaster must be more strengthened by the penalty and the insurance method, and then it must be performed not only the financial support of government but also middle and long-term technical support by private safety organizations.

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중소기업에 적합한 안전관리 모델 개발에 관한 연구 (A study on the development of safety management model suitable for small-to-medium enterprises)

  • 이창호;권희봉;정재수
    • 대한안전경영과학회:학술대회논문집
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    • 대한안전경영과학회 1999년도 추계학술대회
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    • pp.73-82
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    • 1999
  • This paper presents the safety management model, which is appropriate for small-to-medium enterprises that rank the highest disaster rate. It is required for these companies to modify and improve the safety-related articles and it is performed to compare and analyze the industrial disasters and safety management systems between large enterprises and small-to-medium enterprises. The basic direction of change of industrial safety healthy system must be classified to the dual direction. For large enterprises, it is focused on not pre-regulations but post-regulations based on the self-control safety management system. But for small-to-medium enterprises, it is required to intensify the safety management system and the safety responsibility for owners or administrators. Specially, the responsibility for disaster must be more strengthened by the penalty and the insurance method, and then it must be performed not only the financial support of government but also middle and long-term technical support by private safety organizations.

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제4차 산업혁명 시대의 자율주행자동차 상용화를 위한 안정적 법적 기반을 위한 법정책적 연구 - 자율주행자동차 특별법 제정(안)을 중심으로 - (The Propose a Legislation Bill to Apply Autonomous Cars and the Study for Status of Legal and Political Issues)

  • 강선준;원유형;김민지
    • 기술혁신학회지
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    • 제21권1호
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    • pp.151-200
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    • 2018
  • 2016년 다보스포럼에서 클라우드 슈밥이 언급한 '제4차 산업혁명'은 우리의 삶을 획기적으로 바꾸고 있으며, 그 정점에 자율주행자동차가 이 시대의 화두로 떠오르고 있다. 그러나 우리나라에서 자율주행자동차가 성공적으로 도입 및 정착되기까지는 아직 극복해야 할 과제들이 많이 있다. 특히 '인간' 중심의 법제도를 '인공지능'이 포함된 법제도로 패러다임을 변화해야 할 것이다. 자율주행자동차 시대의 안정적 운용을 위해서는 사람중심의 입법체계에 대한 획기적인 변화가 필요하다. 즉, 자율주행자동차를 운행하는 운행주체가 누구인지(무엇인지)와 일반도로에서 일반 자동차와 운행이 가능한지 여부, 교통사고 발생 시 민형사상 책임 문제, 자율주행자동차 관련 보험 문제, 개인정보수집과 이용에 관한 문제, 제3자에 의한 오남용 문제 등을 종합적이고 포괄적으로 검토해야 한다. 본 연구에서는 도로교통 관련 국내 법률, 해외 법제현황, 자율주행자동차 관련 법적 쟁점 등을 검토하여 입법론적 관점에서 자율주행자동차 운행 시 발생하는 제반 법적 문제 해결을 위한 별도의 법안 신설을 제안하며 그 법안에 대한 내용을 제시하였다.

여성의 다중역할에 따른 건강 차이 (Multiple Roles and Health among Korean Women)

  • 조수진;장숙랑;조성일
    • Journal of Preventive Medicine and Public Health
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    • 제41권5호
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    • pp.355-363
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    • 2008
  • Objectives : Most studies about multiple roles and women's health suggested that combining with paid job, being married and having children was more likely to improve health status than in case of single or traditional roles. We investigated whether there was better health outcome in multiple roles among Korean women coinciding with previous studies of other nations. Methods : Data were from the 2005 Korea National Health & Nutritional Examination Survey, a subsample of women aged 25-59 years (N=2,943). Health status was assessed for self-rated poor health, perceived stress and depression, respectively based on one questionnaire item. The age-standardized prevalence of all health outcomes were calculated by role categories and socioeconomic status. Multiple logistic regression was used to assess the association of self rated health, perceived stress, and depression with multiple roles adjusted for age, education, household income, number of children and age of children. Results : Having multiple roles with working role was not associated with better health and psychological wellbeing. Compared to those with traditional roles, employed women more frequently experienced perceived stress, with marital and/or parental roles. Non-working single mothers suffered depression more often than women with traditional roles or other role occupancy. Socioeconomic status indicators were potent independent correlates of self-rated health and perceived stress. Conclusions : Employment of women with other roles did not confer additional health benefit to traditional family responsibility. Juggling of work and family responsibility appeared more stressful than traditional unemployed parental and marital role in Korean women.

Serum 2,3,7,8-Tetrachlorodibenzo-p-dioxin Levels and Their Association With Age, Body Mass Index, Smoking, Military Record-based Variables, and Estimated Exposure to Agent Orange in Korean Vietnam Veterans

  • Yi, Sang-Wook;Ohrr, Heechoul;Won, Jong-Uk;Song, Jae-Seok;Hong, Jae-Seok
    • Journal of Preventive Medicine and Public Health
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    • 제46권5호
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    • pp.226-236
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    • 2013
  • Objectives: The aim of this study was to examine the levels of serum 2,3,7,8-tetrachlorodibenzo-p-dioxin (TCDD) and evaluate their association with age, body mass index, smoking, military record-based variables, and estimated exposure to Agent Orange in Korean Vietnam veterans. Methods: Serum levels of TCDD were analyzed in 102 Vietnam veterans. Information on age, body mass index, and smoking status were obtained from a self-reported questionnaire. The perceived exposure was assessed by a 6-item questionnaire. Two proximitybased exposures were constructed by division/brigade level and battalion/company level unit information using the Stellman exposure opportunity index model. Results: The mean and median of serum TCDD levels was 1.2 parts per trillion (ppt) and 0.9 ppt, respectively. Only 2 Vietnam veterans had elevated levels of TCDD (>10 ppt). The levels of TCDD did not tend to increase with the likelihood of exposure to Agent Orange, as estimated from either proximity-based exposure or perceived self-reported exposure. The serum TCDD levels were not significantly different according to military unit, year of first deployment, duration of deployment, military rank, age, body mass index, and smoking status. Conclusions: The average serum TCDD levels in the Korean Vietnam veterans were lower than those reported for other occupationally or environmentally exposed groups and US Vietnam veterans, and their use as an objective marker of Agent Orange exposure may have some limitations. The unit of deployment, duration of deployment, year of first deployment, military rank, perceived self-reported exposure, and proximity-based exposure to Agent Orange were not associated with TCDD levels in Korean Vietnam veterans. Age, body mass index and smoking also were not associated with TCDD levels.

우리나라 20세 이상 장애인 건강검진 수검률 추이 및 관련 요인분석 (Trends and Factors Affecting Participation Rate in Korean National Health Screening among People with Disabilities)

  • 윤지은;임보라미;호승희
    • 보건행정학회지
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    • 제24권2호
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    • pp.172-180
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    • 2014
  • Background: People with disabilities have higher prevalence rates and earlier onset of chronic disease than the non-disabled; therefore, their participation in health screening is important. This study evaluates the participation rate and trends in health screening of people with disabilities, and examines the association between their participation rate and disability characteristics, and socioeconomic status. Methods: Data on disability-related characteristics were collected from the National Disability Registry, and participants' corresponding health examination data were taken from the Korean National Health Insurance Corporation between 2002 and 2011. A total of 873,819 participants aged ${\geq}20$ years were analyzed in this study. Results: The rate of participation of people with disabilities in health screening has increased each year, but their participation rate is lower than that of the total population. The participation rate was lower in females than in males; the elderly group than in the younger group; those who live in city areas than rural areas; self-employed for health insurance than employees; those with an internal organ disability than those with an external physical disability; those with a severe disability than those with a mild disability; and those with a short-term disability than for those with a long-term disability. Conclusion: The factors associated with participation rate are age, sex, socioeconomic status, and disability characteristics. These findings indicate that health check-ups of people with disabilities should be promoted using an approach that takes into account the large individual differences in socioeconomic status and disability characteristics in this population.

대면채널사원 인적네트워크 및 지식수준이 영업성과에 미치는 영향에 관한 연구 (The Study on the Influence Salesperson's Human Network and Knowledge in Its Performance)

  • 김창기;이보영
    • 벤처창업연구
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    • 제11권3호
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    • pp.177-187
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    • 2016
  • 연구의 목적은 동일 조직에서 대면채널사원의 영업성과 차이의 이유와 인적네트워크 및 지식수준이 영업성과에 미치는 영향에 대해 살펴보고 회사가 대면채널조직을 어떻게 관리하고 양성해야 하는지 알아보고자 하였다. 연구문제로는 대면채널사원의 인적네트워크와 지식수준이 영업성과에 미치는 영향과 역량개발 태도의 조절효과를 분석했다. 그 결과 인적네트워크 및 지식수준은 영업성과에 정의 영향을 미치며 일에 대한 태도의 조절효과 측면에서 인적네트워크 조직화노력은 기각되었지만 유지에 관한 태도는 영업성과에 양(+)의 조절효과가 있는 것으로 나타났다. 분석결과, 대면채널사원의 지식수준과 인적네크워크 수준이 높을수록 영업성과가 좋아지는 결과를 보인 만큼 보험사의 경쟁력 강화를 위해 핵심 대면채널사원에 대한 교육과 인적네트워크 형성을 지원하여 그들이 고능률화 될 수 있도록 해야 함을 있음을 알 수 있었다. 본 연구는 같은 조직 내에서 유사한 인프라 자원을 공유함에도 대면채널사원의 영업성과의 성과 차이가 왜 나는지 연구하였으며 향후 조직성과 향상을 연구하는데 참고자료가 되고자 하였다.

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사전심사제도 도입에 다른 의사의 진료행태 변화 (A study on changes in physician behavior after enforcing pre-review system)

  • 김세라;김진희
    • 보건행정학회지
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    • 제14권4호
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    • pp.88-113
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    • 2004
  • Starting from April, 2003, new pre-review system has been introduced and implemented to reduce unnecessary conflict with medical care organizations caused by current retrospective claim review system and to enhance efficiency of review system. The main purpose of pre-review system is to educate doctors to contrive adequacy of medical services. This research mainly focuses on effectiveness of pre-review system's influence on physicians' behavior changes. The analysis-participants were drawn from 1,449 clinics which implemented pre-review system, since April of 2003. The research results are as followings. First, the amount per claim has reduced by $\\3,154$, days of visit per claim by 0.1 day, and amount per visit by $\\412$, which were statistically significant. Second, anesthesiologists have decreased in three indicators the most, and the internists had least of changes. Third, the amount per claim and days of visit per claims has dropped significantly on physicians with less periods of practice and physicians with more ages. Fourth, the clinics without the expensive medical equipments, the city clinics showed significant decrease on days of visit per claim. Fifth, in intervention methods, the one-to-one education showed more significant decrease on amount per visit rather than information feedback by paper. In conclusion, the pre-review system have an impact on self-imposed physician behavioral change. The outcome of this research may be utilized for future extension implementation of pre-review system. Furthermore, it is showed that ability of transitions in medical services review system according to the future transition of payment system and context of health service policy.