• 방재와보험
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• s.125
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• pp.16-23
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• 2008

• 방재와보험
• /
• s.25
• /
• pp.26-28
• /
• 1985

• 방재와보험
• /
• s.123
• /
• pp.30-34
• /
• 2008

• 방재와보험
• /
• s.60
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• pp.52-53
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• 1994

• The Journal of the Korea institute of electronic communication sciences
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• v.10 no.4
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• pp.483-490
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• 2015

In this paper, The UBI(: Usage Based Insurance) insurance products for existing and analyze a variety of data pertaining to the operation or disposition or utilization of advanced telematics devices, such as digital recording device operates as a means to identify the insured or the insurer operates in real time recording (monitoring). Therefore, this study performs a city in wireless communication infrastructure functions Traffic Information System : leverage(UTIS : Urban Traffic Information System) and to develop a system that linked insurance products, such as PAYD, PHYD and MHYD. Utilizing the UTIS systems and analyze the driver's vehicle driving recorder tendencies.

• 한국데이터정보과학회:학술대회논문집
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• 2003.05a
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• pp.15-17
• /
• 2003

부품 및 소재산업의 육성을 위하여 2003년 4월부터 운영되는 신뢰성보험사업과 관련된 각종 제도를 검토하며, 신뢰성보험의 개념, 담보하는 위험의 분류, 운영체계 및 상품의 설계내용에 대하여 알아본다.

• 방재와보험
• /
• s.144
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• pp.52-53
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• 2012

• 방재와보험
• /
• s.145
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• pp.50-51
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• 2012

• 방재와보험
• /
• s.107
• /
• pp.16-20
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• 2005

풍수해 사고의 경우 보험사의 위험 분산이 곤란해 심한 재정적 타격을 입을 수 있으며 자율적인 손해율 관리가 어려워 개선방안이 논의되고 있다. 이에 국내 풍수재 관련 보험상품 및 외국의 풍수재 보험 운영사례를 통해 향후 지향해야 할 운영방안을 모색해보도록 하자.

• The Journal of the Korea Contents Association
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• v.21 no.6
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• pp.588-597
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• 2021

In Korea, the standard for calculating the profit of a general insurance, which constitutes the loading in the premium, is not specified, and most of the non-life insurance companies reflect 2~5% of the premium as profit margin. Although the transparency of pricing is required due to the nature of insurance products, there are insufficient standards and empirical studies on the determination of insurance price factors in the domestic insurance industry. In this study, we propose a method of calculating the expected profit margin of general insurance. A way for calculating the expected profit margin of the general insurance is to reflect the shareholder demand on the capital that the insurance company should secure against the risk of loss due to the profit/loss volatility, as a ratio to the insurance premium. Shareholders should be compensated for the risks associated with their insurance operations, and the opportunity cost of these shareholders is to be reflected in premiums. In this study, we calculate the amount of capital that the company should accumulate to prepare insurance risk for each product, and insurance risk is defined as the volatility of insurance operating profit/loss. And insurance risk is calculated using stochastic simulation based on Dynamic Financial Analysis (DFA) methodology. Finally, we calculate the expected profit margins for 25 products and analyzed the difference between those and the profit ratio of domestic general insurance.