• The Journal of the Korea Contents Association
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• v.18 no.5
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• pp.167-174
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• 2018

Japanese state has continuously tried to adapt itself to the social demands coming from rapidly greying population. Japanese government introduced the new social insurance system of elderly care, i.e. Long term Care Insurance with epoch-making changes in the Japanese welfare system. The most important aspects of the new system can be summarised as follows: 1) social insurance system of obligatory entry with paying premiums and co-payment 2) emphasis on the customer choice, competition, flexibility, free-market, relaxation of the regulation. This characteristics brought unexpected results of the emergence of ethnicity-centred contents of welfare services. As a selling point in freemarket and as a countermeasures against expected ethnic disadvantages, the Korean ethnic organisations brought the ethnic elements resulting in the diversified Japanese welfare services.

• Fire Science and Engineering
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• v.15 no.1
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• pp.55-65
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• 2001

This paper's purpose is three-folded: modeling the self-regulating fire prevention system, developing a packet of practical fire prevention measures and regulations, and reviewing the applicability of fire insurance system in Korea as a main components of the self-regulating fore prevention system. The so called self-regulating fire prevention system is defined as a grand national fire prevention framework based on and promoted by the vitality and creativeness of the market (or private sector). This drastically contrasts with the existing government-led fire prevention system in Korea. The self-regulating fire prevention system has three grounds: the principle of self-responsibility, the redefinition of the fire service as a public goods, and the principle of self-selection. It seems natural that the self-regulating fire prevention system requires the function of fire insurance institution as a pivoting mechanism providing individual decision makers with a system of incentives, resulting in rational behaviors in the part of each individuals and in the well-balanced fire prevention network in the part of the overall public. In this regard, this pilfer examines the institutions and performance of the fire insurance industry in Korea and reviews the limitation of the industry as an instant replacement mechanism of the current government-led fire prevention system in Korea.

• 방재와보험
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• s.109
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• pp.46-49
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• 2005

1996년 일반손해보험에 일부자유요율제도가 도입됨에 따라 각 보험회사가 자사의 실정에 맞게 개별적으로 요율을 산출, 적용할 수 있는 보험회사별 경쟁요율체계로 전환되게 되었다. 금년에는 특히 화재보험종목의 요율규정 중 많은 부분에 조정이 발생하게 되었는 데 주요 변경내용에 관해 간단히 알아본다.

• Journal of the Korea Convergence Society
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• v.10 no.9
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• pp.343-349
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• 2019

This study used data from the 3rd and 11th year of the Korean Welfare Panel to evaluate the effects of the Long-Term Care Insurance(LTCI) system on the consumption and expenditure of LTCI users' households. The study consisted of program group using LTCI and control group not using. Chi-square and t-test were used for the characteristic differences among the groups, and the difference of consumption expenditure was identified by multiple regression analysis. As a result, LTCI had a statistically significant effect on the health care costs of LTCI users' households, resulting in an increase in health care costs(${\beta}=3.06$). However, there was no statistically significant effect on the total cost of living, basic cost, education cost, and recreation/entertainment cost. Therefore, in order to show the effect of LTC system, we should try to reduce of self-pay and improve the contents and quality of the service of the LTC system.

• The Korean Journal of Financial Management
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• v.15 no.2
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• pp.235-254
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• 1998

본 연구의 목적은 1993년에 미국에서 도입된 변동요율제도(risk-based deposit insurance system)의 도입으로 인한 미국은행들의 위험.이윤추구행동의 변화와 이러한 변화에 대한 주식시장 투자가들의 평가에 대한 실증적분석에 있다. 1989-1995년간 82개 미국 상장은행들을 대상으로 한 분석 결과 변동요율제도의 도입이후에 고(高)위험수준 은행, 즉 비싼 보험료를 부과받게 될 은행들의 위험추구는 저(低)위험수준 은행, 즉 낮은 보험료를 부과받게 될 은행들의 위험추구에 비하여 유의적으로 낮아졌음을 발견하였으며 이러한 결과는 은행산업의 안정을 도모하기 위하여 도입된 변동요율제도의 유효성을 뒷받침하여 주는 결과라고 할 수 있을것이다. 한편 변동요율제도하에서 고(高)위험.고(高)보험료로 인하여 위험추구가 많이 감소된 은행들은 위험추구의 감소로 인한 기대이윤(expected profit)의 감소를 이자율마진의 유리한 조정을 통해 은행고객 즉 예금자와 대출자들에게 집합적으로 전가함으로써 다소 만회할 수 있었다. 그러나 이러한 이자율마진의 유리한 조정은 위험추구의 감소로 인한 기대이윤의 감소를 완전히 상쇄하지는 못하였으며 따라서 주식시장 투자가들의 일반적인 평가는 변동요율제도하에서 위험추구가 많이 감소된 은행 즉 고(高)위험.고(高)보험료 은행의 주가수익율이 저(低)위험 저(低)보험료 은행의 주가수익을 보다 대체로 많이 하락하는 것으로 나타났다.

• 방재와보험
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• s.136
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• pp.15-17
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• 2010

• 방재와보험
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• s.48
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• pp.96-97
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• 1990

• 방재와보험
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• s.120
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• pp.18-22
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• 2007

대학 및 연구소 실험실의 체계를 확립하고, 재해발생 시 적절한 보상을 위한 제도적인 기준이 마련되었다. 그 일환으로 부상.장애 등 상황에 따라 대처할 수 있는 보험가입이 의무화되었다.

• 한국사회정책
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• v.20 no.3
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• pp.171-195
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• 2013

One of the current issues in Workers' Compensation Insurance is about the coverage range. Korea uses the definition of worker under the Labor Standards Act in Workers' Compensation Act and solved the problems associated with the coverage range of insurance group by the exceptional clause only for the groups which was raised about the need for the social protection. The purpose of this paper is to draw implications for solving problems which are associated with the coverage range of insurance group by reviewing the German literature. We focus on volunteers and persons in special types of employment. German government supports the activity of volunteers by providing with the protection service against the accidents. This paper shows how the coverage range is extended from the dependent employees in the introduction of the Workers' Compensation Insurance to the people who need social protection focusing on the volunteers. The implications of this research are following. First, German system shows that Workers' Compensation Insurance can be extended to the groups which do not belong to the dependent employee but are worthy of protection. Second, it is necessary to provide volunteers in the social welfare system with the protection service against the accidents and the statutory accident scheme is recommendable to use. Third, volunteers in the social welfare system need to be compulsory insured. Fourth, Korea should find their own way in solving problems associated with persons in special types of employment.

• 방재와보험
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• s.34
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• pp.24-25
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• 1987