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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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The Effect of Chemical Composition and Sintering Temperature on the Experiment of Physical Properties of Ni-Zn Ferrite (Ni-Zn Ferrite의 조성성분 및 소결온도에 따른 물리적 특성의 실험적 연구)

  • Koh, Jae-Gui
    • Journal of the Korean Magnetics Society
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    • v.16 no.5
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    • pp.255-260
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    • 2006
  • The basic composition of Ni-Zn ferrite was $(Ni_{0.35}Cu_{0.2}Zn_{0.45})_{1.02}(Fe_2O_3)_{0.98}$ (group A) and $(Ni_{0.4}Cu_{0.2}Zn_{0.4})_{1.02}(Fe_2O_3)_{0.98}$(group B) with additional 0.1 mol% $CaCO_3$ and 0.03 mol% $V_2O_5$. For high permeability and acceleration of grain growth, $CaCO_3$ and $V_2O_5$ was added. The mixture of the law materials was calcinated at $600^{\circ}C$ for 2 hours and then milled. The compacts of toroidal type were sintered at different temperature ($1,050^{\circ}C,\;1,070^{\circ}C,\;1,100^{\circ}C$) for 2 hours in air followed by an air cooling. Then, effects of various composition and sintering temperatures on the microstructure and physical properties such as density, resistivity, magnetic induction, coercive force, initial permeability, quality factor, and curie temperature of the Ni-Zn ferrite were investigated. The density of the Ni-Zn ferrite was $4.90{\sim}5.10g/cm^3$, resistivity revealed $10^8{\sim}10^{12}{\Omega}-cm$. The average grain size increased with the increase of sintering temperatures. The magnetic properties obtained from the aforementioned Ni-Zn ferrite specimens were 4,000 gauss for the maximum induction, 0.25 oersted for the coercive force, 2,997 for the initial permeability, 208 for the quality factor, and $202^{\circ}C$ for the curie temperature. The physical properties indicated that the specimens could be utilized as the core of microwave communication and high permeability deflection yoke of high permeability.

A Cohort Study of Mental, Physical and Behavioral Impacts of Early(at Age 55) Compulsory Retirement in Korea (조기 정년퇴직자의 정신. 육체. 행위적 경향연구)

  • Duk-Sung Kim;Sae-Kwon Kong;Kong-Kyun Ro
    • Korea journal of population studies
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    • v.11 no.1
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    • pp.204-229
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    • 1988
  • This paper documents and discusses trends and differentials in youth's participation in the labor force and employment. Youth in this study is defined asthe young aged 15-29. Youth passes through a series of life-course transitions,which include school completion own family formation(marriage and childbirth) .mandatory service in the army (by males) , and their economic activities are affectedby those life-course events. Accordingly we show how and to what extent youth'slabor force participation and employment varies with age and how the age patternhas changed over time.Throughout the 1980's and 1990's, youth's labor force participation showeddifferent trends by age group Labor fDrce participation rate of the 15-19 agedsteeply decreased, while that of the 25-29 steadily increased during the twodecades, the rate fsr the 20-24 aged showing not much variation. The former is dueto the increased rate of school enrollment among the age group, while the lattercould be attributed, in part, to the young women s increased and more steadyparticipation in the labor force over time.While labor force participation could be considered as a result of one's choicesand preferences, employment opportunities are more or less restricted by labormarket structure and institutions . This study documents how the structuralconstraints have interacted with individual and group attributes to differentiateemployment opportunities between individuals (educational background) and groups(especially sex diffrences) . One of the most salient feature of youth's em[ploymentstructure is the recent high unemployment rate of the college graduates. We discusshow that is related to the'credential society'in which one's educational credentials and it's social status play major role in determining who gets what in terms of job opportunities. Also is discussed the discordance between school and labor marketsupply and demand system, which is apparent in the prolonged oversupply of thecollege graduates, which is due to the consistently high rate of college entranceobserved since the early 1980's. Theoretically the job market for college graduates isviewed not as the'neoclassical'wage competition market but as job competition market in which one's (good) job opportunity is determined by one s position in thejob queue, which is in turn heavily dependent on from which college one get shis/her college degree as well as one's sex.

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Thermal history of the Jecheon granite pluton in the Ogcheon Fold Belt, South Korea (남한의 옥천습곡대에 분포되어 있는 제천화강암체의 열역사)

  • Jin Myung-Shik;Kim Seong-Jae;Shin Seong-Cheon;Choo Seung-Hwan;Chi Se-Jung
    • The Journal of the Petrological Society of Korea
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    • v.1 no.1
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    • pp.49-57
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    • 1992
  • Whole rock and mineral ages for the Jecheon Granite distributed in the Ogcheon Fold Belt were dated by three radiometric methods, and its thermal history was elucidated as follows, on the basis of isotopic age data. Rb and Sr isotopic compositions of three whole rock and seven mineral concentrates made an isochron of 202.7${\pm}$ 1.9 Ma with a strontium initial ratio of 0.7140. Different age data of twelve mineral concentrates agree closely with the retention temperature of each mineral in K-Ar and Fission Track methods. The Jecheon granitic magma was generated by partial melting of crustal materials (S-type), or by mixins between mantle and crustal materials, intruded into the katazone or mesozone (7∼9 km) of the Ogcheon Fold Belt, at least in the Early Jurassic (about 203 Ma), and then crystallized and cooled down rapidly from about 600$^{\circ}C$ to 300$^{\circ}C$ (more than 20$^{\circ}C$/Ma), owing to thermal differences between the magma and the wall-rock. During the Middle to Late Jurassic (190∼140 Ma), the cooling of the granite was likely to stop and keep thermal equilibrium with the wall-rock. The severe tectonism associated with igneous activities and active weathering on the surface in Early to Late Cretaceous time (140∼70 Ma) might have accelerated the granite pluton to uplift rapidly (40∼60 m/Ma in average) up to 3∼4 km and cooled down from 300$^{\circ}C$ to 200$^{\circ}C$ (1.4 $^{\circ}C$/Ma). The granite pluton was likely to keep different uplifting and cooling rate of about 120 m/Ma and 5$^{\circ}C$/Ma in average from the Late Cretaceous to Early Tertiary (70∼50 Ma), and about 60 m/Ma and 2$^{\circ}C$/Ma in average from about 50 Ma up to the present, respectively.

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Storage Period of Milled Rice by Packaging Materials and Storage Temperature (온도와 포장재에 따른 백미의 저장가능기간)

  • Choi Yoon-Hee;Choung Jin-Il;Cheong Young-Keun;Kim Young-Doo;Ha Ki-Yong;Ko Jae-Kwon;Kim Chung-Kon
    • Food Science and Preservation
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    • v.12 no.4
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    • pp.310-316
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    • 2005
  • This study was carried out to investigate the quality characteristics by packaging materials and storage temperature to predict safe storage period for milled rice. Mechanical taste value and whiteness of milled rices stored at room temperature were severely decreased than those of the stored at low temperature, but fat acidity and b value of those at room temperature was rapidly increased than those of stored at low temperature. Milled rice packed in LDPE film bag were smelled stale flavor after 4 months storage at room temperature, Hojinbyeo was not produced flour in the rice grain surface but Dongjinbyeo was showed production of flour. pH of milled rice of Dongjinbyeo and Hojinbyeo packed in LDPE film bag were the lowest showing 5.3 and 5.6, respectively after 6 months at mom temperature. Safe storage period of Dongjinbyeo and Hojinbyeo packed in craft paper bag were 1 month at room temperature, those of packed in LDPE film bag were 2 months. At low temperature safe storage period of Dongjinbyeo and Hojinbyeo packed in craft paper bag were 2 months, those of packed in LDPE film bag were 5 and 4 months, respectively.

Effects of Chitosan, Grain Amino Acid and Wood Vinegar Foliar Spray on the Quality and Storability of Grapes(Campbell Early) (키토산, 곡물아미노산, 목초액의 엽면살포가 포도(Campbell Early)의 품질 및 저장성에 미치는 영향)

  • Ju, In-Ok;Jung, Gi-Tai;Cheong, Seong-Soo;Moon, Young-Hun;Ryu, Jeong;Choi, Joung-Sik
    • Food Science and Preservation
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    • v.14 no.2
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    • pp.119-123
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    • 2007
  • Sprays containing chitosan, grain amino acids, or wood vinegar, were applied to vine leaves of the Campbell Early grape variety, and effects on the quality and storability of grapes were investigated. Weights of grape clusters and individual bemies did not differ significantly from the values seen when traditional agnicultural chemical treatment was used. The percentage of clusters over 300g in weight was, however, higher after spraying with chitosan, grain amino acids, or wood vinegar, than after agricultural chemical treatment, Grape moisture contents, levels of soluble solids, and reducing sugar concentrations, did not differ when the traditional treatment and the newer sparys were compared. Among minerals, the levels of potassium, iron and zinc measured in fresh grapes were increased by the clitosan, grain amino acids, and wood vinegar spray. After 8 weeks of MA storage, reducing sugar levels decreased, and titratable acidities increased, compared to levels measured at the beginning of storage. This was true regardless of the method of vine treatment the hardness of berries decreased slightly over 4-6 weeks of storage, and increased thereafter. The weight losses of grapes were relatively low(0.28-0.35%) on storage after any vine treatment tested. Grapes from vines sprayed with chitosan or grain amino acids showed a lower decay rate than did fruit from vines that had received a traditional agricultural chemical treatment. Sensory evaluation results indicated that the marketability of grapes from vines treated with traditional agricultural chemicals was better than that of grapes from vines sprayed with chitosan, grain amino acids, or wood vinegar.

Effects of Freezing and/or Thawing Conditions on the Quality of Mashed Red Pepper (냉동 및 해동 방법에 따른 마쇄 홍고추의 품질특성 변화)

  • Lim, Jeong-Ho;Seong, Jeong-Min;Park, Kee-Jai;Jeong, Jin-Woong
    • Food Science and Preservation
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    • v.15 no.5
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    • pp.675-681
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    • 2008
  • This study investigatedthe quality of mashed red pepper after application of various freezing and thawing conditions. Two freezing temperatures ($-70^{\circ}C$, $-10^{\circ}C$), two thawing temperatures ($0^{\circ}C$, $40^{\circ}C$), and two thawing methods (water-thawing, air-thawing), were employed. Changes in levels of capsaicinoids, vitamin C, free sugars, organic acids, and capsanthin were measured. Capsaicinoids, vitamin C,and free sugar contents were lowest in pepper treated at $-10^{\circ}C/40^{\circ}C$ (freezing/thawing), and the loss rates were 38.0, 79.4 and 24.6%, respectively. When thawing methods were compared, chemical contents were higher in air-thawed samples than in water-thawed peppers, but there was a statistically significant difference only in vitamin C content. Free sugar content after $-70^{\circ}C$ freezing were higher than after $-10^{\circ}C$ freezing, irrespective of the thawing method used. Initial citric acid, malic acid, and succinic acid contents were 44.90, 30.76 and 20.65 mg/100 g, and there was no significant difference between peppers treated with different freezing and thawing conditions. It is recommended that the best method for preserving the overall quality of mashed red pepper is freezing at $-70^{\circ}C$ and thawing at $0^{\circ}C$ in air.

Physicochemical Comparison of Two Different Shark Meats Used for Preparation of Dombaeki (돔배기용 상어육의 이화학적 성분 비교)

  • Kim, Eun-Ok;Yu, Myeong-Hwa;Lee, Ki-Teak;Kim, Seon-Bong;Choi, Sang-Won
    • Food Science and Preservation
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    • v.15 no.5
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    • pp.711-718
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    • 2008
  • Dombaeki, a traditional salted shark meat, has been widely used as a customary religious food in the Daegu-Gyeongbuk area of Korea. Two different sharks, Sphyrna zygaena (SZ) and Isurus oxyrinchus (IO) are traditionally used to prepare Dombaeki. Chemical components, lipid classes, fatty acid levels, and sterol compositions of meats prepared from the two sharks were investigated. There were no significant differences in chemical composition between the two dried shark meats. Major amino acids in shark meat were leucine, lysine, arginine, proline, isoleucine, valine, phenylalanine, glutamic acid, and asparagine, which together accounted for about 40% of total amino acids. Levels of amino acids in IO meat were higher than in SZ meat. Major fatty acids in the two shark meats were palmitic ($C_{16:0}$), stearic ($C_{18:0}$), oleic ($C_{18:1}$), arachidonic ($C_{20:4}$), and docosahexanoic (DHA, $C_{22:6}$) acids, which accounted for about 80% of total fatty acids. Notably, IO meat showed higher amounts of DHA (31.8%) and eicosapentanoic acid (EPA, 1.8%) than did SZ meat. The two shark meats showed similar dry weight levels of total lipids, with triacylglycerols, free fatty acids, sterols, and phospholipidscomprising on average 5.0, 2.0, 13.0 and 63.0% of total lipids, respectively. The dominant classes of phospholipids were mainly phosphatidylcholine (PC) and phosphatidylethanolamine (PE). PC content in the two shark meats was higher than that of PE, although the differencewas not great. The major fatty acids in phospholipids were myristic, palmitoleic, stearic, and docosanoic acids. Total volatile basic nitrogen content and the pH of SZ meat were lower than those of IO meat, whereas the Hunter's 'a' and 'b' values of SZ meat were higher than those of IO meat. These results suggest that shark meat may be useful as a functional food to prevent several degenerative diseases.

Fruit and Wine Quality on Maturing Time of Korea New Grape Cultivar 'Doonuri' (국내 육성 포도 '두누리' 품종의 성숙 시기별 과실특성과 포도주 품질특성)

  • Chang, Eun Ha;Jeong, Sung Min;Noh, Jung Ho;Park, Kyo Sun;Lim, Byung Sun
    • Food Science and Preservation
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    • v.19 no.6
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    • pp.882-892
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    • 2012
  • This study was conducted to investigate several indicators of fruit maturity, and expert sensory evaluation was done to determine the most appropriate maturity time for the new Korea grape cultivar 'doonuri' for high quality winemaking. The grape component changed dramatically during ripening, after veraison. Considerable drops in berry firmness (<0.60 kgf/$cm^2$) and titratable acidity (<0.66%) were found at the ripening stage while the soluble solid content significantly increased in the ripening process. Most of the organic acids contained were tartaric and malic acid. The malic acid content was about twice the tartaric acid content in the fruit-growing period but was less than the tartaric acid content in the maturity period. The total anthocyanin and polyphenol contents increased sharply after veraison. In particular, the total anthocyanin and polyphenol contents reached their maximum levels when the acidity was 0.55%, and after that, there was almost no change. Correlations between anthocyanin accumulation and several factors were found in sugar 0.7811 (p<0.05), pH 0.9315 (p<0.05), and Brix/acid ratio 0.9409 (p<0.05). $Brix{\times}pH^2$ and brix/acid ratio were used as indicators of the proper maturation of the grapes when the acidity was 0.53 to 0.55%, and at sugar 17 Brix. When surveyed, the quality characteristics and sensory evaluation of the wine made using the latest harvested grapes showed the most reliable sourness. The color, aroma, and overall harmony of the wine, however, were evaluated to be the best when the wine acidity was about 0.60% or when the grape acidity was below 0.55%.

The effect of superheated steam drying on physicochemical and microbial characteristics of Korean traditional actinidia (Actinidia arguta) leaves (과열증기 건조가 토종 다래순의 이화학적 및 미생물학적 특성에 미치는 영향)

  • Kim, Ah-Na;Ko, Hee-Suk;Lee, Kyo-Yeon;Rahman, M. Shafiur;Heo, Ho Jin;Choi, Sung-Gil
    • Food Science and Preservation
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    • v.24 no.3
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    • pp.464-471
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    • 2017
  • The purpose of this study was to evaluate the effect of superheated steam drying on physicochemical and microbial characteristics of Korean traditional actinidia (Actinidia arguta) leaves. Actinidia leaves were dried at steam temperature of $350^{\circ}C$ and oven temperature of $150^{\circ}C$ for 40-200 sec. Moisture content and water activity decreased with increasing the drying time, while color values including L, a, and b values and total color difference (${\Delta}E$) increased as drying time increased. The relationship between moisture content and water activity showed an exponential fit with high correlation vlaue ($R^2=0.9909$). Total phenolics and flavonoids content and antioxidant activity such as DPPH radical scavenging activity, ABTS radical scavenging activity, and FRAP assay of dried actinidia leaves increased with increasing the drying time up to 160 sec, but dramatically decreased at drying of 200 sec. The numbers of total areobic bacteria of leaves was not detected at drying time over 120 sec and coliform of all the samples was not detected. As a results, the superheated steam was an very effective drying method of increase to the nutritional and sanitary quality of dried Korean traditional actinidia leaves.