• The Journal of the Korean life insurance medical association
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• v.24
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• pp.79-96
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• 2005

1. 연구배경과 문제제기 - 보험시장의 환경변화 : 보험업법 개정, 방카슈랑스 도입, 고(高)보장성 생존급부(CI, LTC)상품의 등장, 통신판매 전문보험회사의 설립 허용 - 현행 언더라이팅 시스템의 문제점 : 위험난이도와 판매 채널별 특성이 고려되지 않고 언더라이터에 전건 배정 되어 업무의 효율성이 낮음 - 보험시장의 환경변화에 맞는 EUS(Expert Underwriting System) 도입으로 언더라이팅의 효율성을 증대하고자함 2. 국내/외 생보사 언더라이팅 시스템 현황 비교 및 개선방안 - 국내 언더라이팅 시스템 현황 : 청약서 입력/스캔 후 진단 및 적부 유무(有無)에 따라 자동으로 언더라이터에게 심사가 배정됨 - 미국 언더라이팅 시스템 현황 : EUS에 의한 1차 전산승낙여부 결정 후(後)언더라이터에게 심사가 배정됨 - 위험난이도의 고저(高低)와 관계없이 언더라이터에 배정되는 심사시스템의 문제점을 극복하고 체계적인 위험평가를 위해 EUS도입이 필요함 3. EUS 선행요건 - 고객정보의 확보 - 국내 생보사의 고객정보 수집원 : 청약서, 모집인 보고서, 건강진단서,적부조사, 보험사고정보조회시스템 (ICPS), 고액보험 및 상해보험 중복가입자에 대한 정보 교환제도 - 북미 생보사의 고객정보 수집원 : 청약서, 모집인 보고서, 의사소견서 및 진료기록서, 건강검진, 적부조사, 정보교환제도( 북미보험사간 의료정보 공유-MIB) - 정확한 고객정보의 확보방안 : 법률/제도의 정비, 청약서 질문 내용의 세분화, 의료정보교환제도의 구축 4. EUS 개요 및 현황 - EUS의 정의: 고객의 정보를 입력하여 청약부터 보험증권 발행 단계까지 One-Stop 서비스를 제공하는 것으로 언더라이터가 청약서를 가지고 언더라이팅 하는 것과 동일한 업무를 할 수 있는 전문가 시스템 - EUS의 장점: (1) 비용절감 및 인력의 효율적 활용 (2) 업무별 시스템화 되는 조직속성에 적합함. (3) 언더라이팅 정책이 경영 환경 변화에 대처하는데 신속함 - 국외 EUS 현황 (예: Cologne Re) 및 사례연구 5. 위험분류 및 EUS 개요현황 (언더라이팅 시스템 도입) - 위험관리 선행요건으로 위험요소별 분류가 체계적으로 수립되어야 함. - 데이터웨어하우스 (의사결정을 목적으로 설계된 조회와 분석이 가능한 통합된 정보저장소) 시스템 사용 - EUS 도입을 통한 언더라이팅 프로세스: 데이터마이닝 과정을 통해 "자동승낙, 언더라이터에게 심사배정, 적부의뢰, 진단의뢰, 텔레 언더라이터, 보완지시"등이 결정됨. 6. 판매채널별 EUS 활용방안 - 대면채널: 효용성 높은 정보제공과 정확한 위험분석이 가능한 시스템으로 고(高)보장, 고(高)위험 상품에 대해 언더라이터가 집중 심사 할 수 있게 함. - 방카슈랑스: 3S(간결, 신속, 서비스)의 특성에 맞는 전과정 무인자동심사시스템 - 비대면채널: 판매상품과 타겟시장을 명확히 한 후 도덕적 위험과 재무적 위험에 대한 평가시스템 및 의사결정 시스템을 도입 7. 결론 - EUS 도입의 기대효과 (1) 심사기일의 단축으로 고객만족 실현 (2) 체계적 과학적 리스크 관리로 위험률차익 증대에 기여 (3) 업무효율의 증대와 언더라이터의 역량강화 (4) CRM 활용증대와 모바일 청약시스템 구축의 근간 - EUS 도입시 경제적 법률적 제도적 문제 극복과 생보 업계 공동의 관심과 노력이 필요함 - EUS를 활용하여 종합적.체계적 리스크 관리가 가능한 금융회사로의 경쟁력 향상에 기여함.

• Korean Journal of Soil Science and Fertilizer
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• v.44 no.2
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• pp.206-214
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• 2011

Fifteen clones of poplars, 2 clones of willows, and yellow poplar were used to evaluate the effects of 5 treatments such as SCBLF (slurry composting and biofiltration liquid fertilizer), general slurry liquid fertilizer, chemical fertilizer, groundwater, and control (no treatment) on vitality, growth performance, and biomass production. Five cuttings for each tree species were planted in 3 replications. After planting cuttings, a coppice was induced by cutting off stems at 10cm above the ground. Data were collected for first growing season and trees were harvested at the end of October. Maximum mortality rate i.e. 96% was recorded in the cuttings treated with groundwater and minimum 92% with control (no treatment). In all tree species, sprouting of stump was not differ significantly among the treatments. Total nitrogen concentrations of leaves and stump sprouts were higher in the treatment of SCBLF than the control, 26.6% and 22.9%, respectively. Biomass production was highest in the stumps treated with chemical fertilizer, $1.98Mg\;ha^{-1}\;year^{-1}$, and lowest in control ($1.34Mg\;ha^{-1}\;year^{-1}$).

• Journal of Cadastre & Land InformatiX
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• v.48 no.1
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• pp.229-244
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• 2018

The purpose of this study is to analyze the factors affecting the influence of the size and composition of the floating population on goodwill and Rent. First, the conceptual difference between location value and rent is clearly distinguished. Second, the value of land price is divided into fixed land value and floating land value. The empirical analysis utilized consulting data from 188 shops in Seocho and Gangnam-gu in 2013 ( restaurants, resting restaurants, drinking places, general stores, entertainment and sports). The results using linear regression analysis are as follows. Goodwill and rent have a positive correlation, but the evaluation system and factors are different. Especially the influence of the floating location factor is larger than the rent. And the fixed location factors such as building deterioration bus stops, were found to be significant influencing factors in the rents, but they did not affect goodwill. This result implies that the value of location of goodwill should be taken into consideration of a temporal and spatial concept. Since, in order to resolve disputes between the landlord and the tenant, it is necessary to accumulate data continuously and to study the objective evaluation system in the future.

• Journal of the Korean Association of Geographic Information Studies
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• v.9 no.2
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• pp.194-205
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• 2006

The purpose of this study is to develop a pedestrian multi-agent model and simulation system using multi-agent theory, which may be utilized as a planning support system for building a comfort and safe environment of pedestrian street. Differing from existing pedestrian models, however, every single pedestrian was regarded as an individual agent in the model. Multiple agents like multiple pedestrians in the street then maintain their own characteristics and respond to surrounding environment. In addition their moving behavior are made by their own decision rules that they have or had acquired through the interactive communications or learning between agents like real world. After verifying the model validation, as the $R^2$ between the predicted value and observed value was up to 0.781, the developed model was applied to Gazwa district within Gyeongsang university village. The simulation system was developed by Flash MX action scripts and the physical environment of the streets was configured with the digital map and ArcGis within computer virtual space. The attribute data of buildings such as type and size of commercial business were collected through the field survey and combined with physical features. Then the effect of the variation of building attractiveness and the occurrence of street events to pedestrian environment were simulated. Through the experiments this study could make suggestions to improve pedestrian environment.

• Journal of The Korean Association For Science Education
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• v.37 no.3
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• pp.417-427
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• 2017

Media is the medium that impart information beyond time and space. They refer to characters or images that serve as means to convey information. From old media such as newspapers and television to new media such as the internet and smart phones, media has developed cumulatively with the development of technology. The goal of media education is to develop the understanding of the properties of media, the ability of critical interpretation of media and selective acceptance. Furthermore it is to cultivate the ability to express meaning creatively and communicate through media. I carried out 'the research of Korean classroom instruction models based on media' with Korean language and social studies education researchers from July 2016 to December 2016. This study is a fundamental study of the project. Based on 58 research papers published between 2006 and 2016, research trends and factors were extracted through literature studies related to media-based science learning. The Result has shown that the studies related to media-based science learning is on the rise, and more than half of all researchers studied about elementary school students. The studies were divided into research on students, research on teachers and pre-service teachers, research on smart devices or media contents, and research on the development of digital textbooks. Among the four variables, there were many researches related to students' cognitive and affective development, and the development and application of media contents.

• Journal of Venture Innovation
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• v.3 no.1
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• pp.101-115
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• 2020

In the era of the 4th Industrial Revolution customers living began to come out, not inside the purchase funnel. Due to the diversity of product selection and the increase in digital channels, the way customers search for information and purchase it is changing innovatively. So, the customer journey in the digital age is much more complicated than the traditional funnel model suggests. Unlike many previous studies, this study was conducted for 1,200 customers in four product groups of fashion, automobile, cosmetics, and online shopping malls. As a result of the study, we investigated how digital self-efficacy plays a role in purchasing in a series of processes in which digital experience affects customer satisfaction and finally affects purchase. As a theoretical implication, as a result of introducing and testing digital self efficacy as moderated mediation effect. the digital self-efficacy between customer satisfaction and customer loyalty were determined to play a moderated mediation effect role. As a practical implication, it was necessary to actively utilize digital marketing for customers with high digital self-efficacy, but it was suggested that customers with low digital self-efficacy need to be careful about digital marketing fatigue.

• Journal of The Korean Association For Science Education
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• v.31 no.2
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• pp.256-270
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• 2011

This study was designed to explore how learners' participation develop if provided with opportunities for various scientific practices and experiences in writing science magazine articles as an extra-curricular club activity and what factors facilitate these participation development. Data from participant observations, in-depth interviews with students, and documents were used to extract the common characteristics of the practices. The learners' development was categorized into 3 stages in terms of participation in the community of practice: peripheral participation, transitional participation, and full participation. As participation develops, situational interest developed to individual interests and value attachment. Students sought to get ideas from every day life, and finally, in the stage of full participation, advances in writing showed the characteristics of knowledge transformation. Best of all, the participants enjoyed and valued their participation showing identities as journalists. The nature of science magazine article, external scaffolding, and internalization through enjoyment and value attachment appeared to be decisive factors that facilitate the development of participation. Student's enculturation of writing for learning offers a possibility that continue to do so, even after they have left formal schooling and make a basis for lifelong learning.

• Culinary science and hospitality research
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• v.18 no.3
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• pp.1-17
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• 2012

This study was planned for an empirical review of foodservice operation in expressway rest areas for a menu strategy targeting staff and customers. The results were as follows. Main foodservice category included 10-30 items of Korean dishes. The needs for having branded foodservice menu in rest areas were high in fusion/fast foods, snack/ready-made and beverages. Employment of professional cooks in rest areas was low (10-30%), and the most important factor was 'taste' when cooking Korean foods. Foreigners preferred fusion/fast foods and snack/ready-made foods to Korean food, beverages and Japanese/Chinese foods, and most of the foreigners ordered food with 'no question'(55.5%) or 'some questions'(34.8%). Rest area staff prepared some photos/pictures of foods (80-100%) for menu comprehension, but the accuracy of menu transcription was very low. Customers used a rest area once or twice, stayed for 10-20 min(43.6%)/20-30 min(38.6%), visited by car(77.7%) to relax and use toilets(61.6%) on average. Favorite food and snacks were Korean(32.7%) and ready made/snacks(33.0%), and they spent 5,000-10,000 won(51.3%), 3,000-5,000 won(25.8%) on them. Customer satisfaction with rest areas was 'average' regardless of gender, age, education levels and jobs. With this analysis, we should prepare an efficient menu strategy for customer satisfaction and plans for analyzing problems along with alternatives.

• Proceedings of the Korean Association of Geographic Inforamtion Studies Conference
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• 2010.06a
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• pp.183-183
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• 2010

위치기반서비스(Location Based Service)는 갈수록 고도화 되어 가고 있다. 특히 최근의 대형 포털을 중심으로 지오웹 서비스가 활성화 되어 있고 이를 스마트폰과 같은 개인용 이용기기를 통해 연속적으로 제공하려는 경향이 뚜렷하다. 이와 같은 시점에서 정부와 민간에서 구축 중이거나 보유 중인 전국적 규모의 데이터 간 상호 연동과 융합을 도모하려는 시도 또한 불가결하다. 이는 고도화된 LBS를 위하여 반드시 필요한 과정이기 때문이다. 이에 따라 몇 가지 주요한 전국 데이터를 대상으로 상호 연동과 융합을 위한 기술개발을 시도하였다. 우선 도로명주소기본도와 수치지형도 간 POI의 연계를 위한 연구를 수행하고 있다. 이 연구에서는 두도면 내의 POI를 대상으로 다양한 매칭과 이에 기반 한 의사결정 방법론을 이용하여 자동으로 상호 인식 및 연계가 될 수 있도록 하고 있다. 다음으로 지적도와 수치지형도 간의 객체 매칭에 관한 연구이다. 수치지형도와 지적도의 불부합으로 인하여 그 동안 지적도를 수치지형도에 맞춘 형태의 편집지적도를 지속적으로 생산하여 왔고 앞으로도 그럴 것이다. 문제는 여기에 필요한 많은 예산이다. 만일 수치지형도와 지적도를 자동으로 매칭하여 편집지적도를 자동으로 생산할 수 있게 된다면 많은 예산 절감과 함께 편집지적도의 현시성을 확보할 수 있게 될 것이다. 다음으로 항공사진과 도로망도의 매칭이다. 현재 주요 포털에서 제공하고 있는 항공사진 기반의 도로망도는 기복변위와 같은 문제로 인하여 시각적으로 많은 위치오차를 보이고 있다. 만일 항공사진의 도로영역을 자동으로 추출하여 벡터 도로망도와 매칭을 할 수 있다면 보다 시각적으로 안정된 항공사진 상의 도로망도를 제공할 수 있게 되고 나아가 이는 차량이나 보행자 네비게이션에 매우 요긴하게 이용될 수 있을 것이다. 다음으로 서로 LOD가 다른 도로망도의 매칭 문제이다. 많은 기관에서 독자적으로 생산한 도로망도는 LOD의 상이에 기인한 문제가 많아 서로 연계 활용되지 않는다. 이를 자동으로 매칭하여 서로 연계할 수 있다면 두 도로망도가 보유하고 있는 속성정보를 공동으로 이용할 수 있는 이익을 얻게 된다. 다음으로 지도 일반화 기술이다. 지도일반화는 지적도내 수치지형도와 같은 대규모 데이터를 스마트폰과 같은 저용량 사양의 기기에 서비스 할 때 불가결한 기술이다. 지도상 객체들의 기하학적 정보 손실을 최소화하면서 메모리 측면에서 경량의 지도를 자동으로 만들어 낸다면 이는 매우 요긴하게 이용될 것이다. 마지막으로 보행자 네트워크의 생성기술이다. 보행자 네트워크는 그 상세함과 정보용량에 있어서 차량용 네트워크에 견줄 수 없다. 이를 현행의 차량용 네트워크와 같이 수동으로 생성하는 데에는 경제적으로나 시간적으로 막대한 투자가 필요하다. 따라서 이를 기존의 공간정보들을 활용하여 자동으로 생성해 낼 수 있다면 그 파급효과는 매우 크리라 판단된다. 본 발표에서는 위와 같은 주제에 관하여 그간의 연구 성과를 개략적으로 소개해본다.

• Journal of the Economic Geographical Society of Korea
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• v.5 no.2
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• pp.293-302
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• 2002

China in the era of economic transition has conducted the housing reform policy over the past 20 years. Housing providing systems have changed from the free distributing housing system under the governmental planning to the monetary housing system for individual customers. The 1998 monetary housing distribution policy, which ended the 20-year Chinese housing reform, departed from the direct distribution system that had blocked housing commodification. The purpose of the housing reform was to provide and reproduce housing without the expenses of the Chinese government and work unit (danwei), which is different from Russia. In order to achieve the housing reform, the Chinese government introduced various policies, which enabled residents to purchase housing by themselves. However, it took long for residents, who had taken government's welfare system granted, to accept housing as goods. In addition, the Chinese government's efforts to reproduce housing by market systems failed because housing was closely linked to land and was expensive consumption goods, which differentiates housing from other goods that can be commodified through market prices and diverse ownerships. Accordingly, despite a political burden, the Chinese government waived the real distribution policy for housing. After the waiver, the housing commodification process excelled through the private housing markets.