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The Underwriting of Cancer (악성종양의 언더라이팅)

  • Park, Ip-Sae;Park, Sung-Soo
    • The Journal of the Korean life insurance medical association
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    • v.25
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    • pp.9-24
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    • 2006
  • 지속적으로 증가 하고 있는 악성 종양 발병률의 증가, 생존률의 향상, 조기발견의 증가 등이 암 기왕자의 보험 수요 상승을 가져오고 있으며, 보험시장에서 더 이상 암 기왕자를 도외시하기 어렵게 만들고 있다. 그러나, 현재 국내에서는 암 기왕자를 인수할 수 있는 상품과 언더라이팅 인수 기법이 부족한 실정이다. 본 논문은 이러한 상황 하에서 기존에 거절체로 인식되었던 암 기왕자의 적극적인 인수를 위해 악성종양에 대한 보험 의학적인 고찰과 사망률, 위험도에 대해 분석하고, 국내에서 암 기왕자의 보험 인수 시 문제점과 그 해결방안을 모색해 보았다. 종양은 종양세포의 성장과 확산의 정도를 나타내는 병기와 조직학적 등급에 의해 그 예후와 경과가 예측 가능하며, 이 병기를 표준화하려는 국제적 시도로 1977년 American Joint Committee on Cancer(AJCC)는 TNM system 을 제시하였다. 병기를 기초로 치료의 결정도 함께 이루어지는데, 주요 치료법을 수술, 방사선치료, 항암치료, 면역요법이 있다. 이러한 치료법들은 후기 부작용을 일으키거나 이차성 암(Secondary malignant neoplasm)의 원인이 되기도 한다. 병기에 따른 암환자의 사망률을 살펴 보면, 암은 일정시기 동안 사망률이 급격히 증가하다가 이후에 점차 사망률이 감소하고, 그 이후에는 사망률에 영향을 미치지 않는다. 이러한 사망률 변화의 특성은 암 기왕자에게 평준식 정액 할증법(Per mille flat extra)의 적용이 적절함을 보여준다. 그러나, 현재 국내에서는 악성 종양 기왕자를 위한 상품이 전무한 상태이며, 암의 병리적 병기와 치료에 관련된 정보를 얻을 수 있는 도구도 부족하고, 명확한 인수 기법이 없다. 또한, 자체의 경험통계의 부족으로 위험에 대한 부담감이 큰 것이 현실이다. 하지만, 병기에 따른 사망률의 변화에서도 알 수 있듯이 평준식 정액 할증법의 도입이나, 악성종양의 병기(Stage)별 정액 할증률을 삭감법으로 전환하는 기준을 개발한다면, 종신보험은 충분히 인수가 가능하다. 또한, CI 보험도 암에 대한 부담보를 하는 선진사의 인수 기법을 도입하거나, 암 기왕자만을 위한 CI 상품을 개발하는 등 새로운 인수 기법을 모색한다면, 암기왕자 인수의 폭은 넓어질 것이다. 이와 같은 노력과 함께, 언더라이팅의 정보 획득을 위한 암 기왕자만의 고지서를 개발하고, 전문 언더라이터의 양성을 위한 노력을 게을리 하지 않는다면, 암기왕자를 적극적으로 인수할 수 있을 것이다. 앞으로 국내 보험사가 위와 같은 노력을 지속적으로 해 나가고, 비교적 예후와 경과가 양호한 0기와 1기 암 기왕자부터 단계적으로 종신보험의 인수를 시도한다면, 비교적 안전하게 경험치를 축적할 수 있을 것이다. 뿐만 아니라 국내 보험업계는 새로운 시장의 확보와 보험에 대한 대외 이미지 개선이라는 효과도 함께 얻게 될 것이다.

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Progress in Regional Geographical Studies of America in the Age of Globalization (세계화시대의 아메리카지역 연구)

  • Hong, Keum-Soo
    • Journal of the Korean association of regional geographers
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    • v.10 no.2
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    • pp.267-285
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    • 2004
  • Globalization has been the buzzword during the past couple of decades, embroiling humankind into the inescapable maelstrom of homogenization. Some critics identify the globalization process undergoing in the realms of politics, economy, culture and ecology with Americanization which entails Neoconservatives' scheme to stretch out the hegemony of the United States. The top-down transcontinental movement, however, deems to confront localization or a reasoned resistance from the local driven by the spiritual attachment to places and, in that sense, regional identity. What is needed to cope with this complex circumstance of glocalization is to be acquainted with beth the global sense of the local and the localized sense of the global at once. For this, it seems indispensible to do justice to area studies. As far as American studies are concerned, this research field has so far been tainted by an overdose of politics, economics, business administration, law and sociology. Regional analysis which constitutes the reason d'etre of the discipline of geography has remained marginal to the political economic mainstream. It is the mounting concerns about America and enhanced research caliber that raises the regional geographical studies of America on the right track. Particularly, a number of articles have been published since the mid-1990s owing to the combined efforts of practitioners, institutions and periodicals. It is expected that systematic training of new generation of American specialists, advance in research infrastructure, and generous funding will stimulate geographical investigation of America in the coming future.

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The Comparison of Psycho-Social Behavior Characteristics between Girls with Precocious Puberty and Normal Girls (성조숙증 여아와 정상발달 여아의 심리사회적 행동특성 비교)

  • Moon, Woo-Jin;Kwon, Ho-Jang;Hwang, Man-Ki
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.19 no.2
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    • pp.357-369
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    • 2018
  • This study was conducted to provide data pertaining to precocious puberty by comparing the psycho-social behavior of girls with precocious puberty to those with normal development. This study was conducted from 1 June 2016 to 25 February 2017. The subjects were 104 female patients of A group with precocious puberty visiting H Oriental medicine clinic and S clinic in Seoul, and 104 girls in control group A and 104 girls in control group B attending elementary school in gun. The psycho-social behavioral characteristics of girls with precocious puberty and those with normal development were compared among 312 girls matched for gender and age using a t-test, ${\chi}^2test$, and ANOVA. In addition, the factors influencing precocious puberty were analyzed through multinomial logistic regression. The results revealed that the primary influence factors were frequency of meat intake (p<0.01) and eating-out (p<0.05). These were followed by watching TV (p<0.001), hours of using smart phone (p<0.01) and number of private institutes attended (p<0.05). Additionally, emotional and physical indexes were lower in the precocious puberty group than the control group, indicating that they have more pathology.Finally, girls in the precocious puberty group have lower family and friendship indexes than those in the control group, which means they have more pathology. Overall, the results indicate that extensive research on the causes and frequency of precocious puberty is necessary.

The Comparison of Physical Parent Characteristics and Behavior Characteristic between Girls of Precocious Puberty and Girls of Normal Development (성조숙증 여아와 정상 발달 여아의 신체상 부모특성 및 행동특성 비교)

  • Moon, Woo-Jin;Hwang, Man-Ki;Shim, Jung-Yeun;Kim, Hee-Tae
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.18 no.11
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    • pp.653-662
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    • 2017
  • This study was conducted to provide basic data for the prevention and management of precocious puberty by investigating the relevance of physical parents characteristics and behavioral characteristics of girls with precocious puberty. The research period was June 1, 2016 to February 25, 2017. The subjects were 312 girls matched depending on gender and age which were composed of 104 female patients of precocious puberty visiting H oriental medicine clinic and S one in Seoul, 104 girls of A control group and 104 girls of B control group attending elementary school in gun. A total of 312 of each group were compared though t-test, $X^2$-test, and ANOVA to examine the physical parent characteristics and behavioral characteristics between girls with precocious puberty and normal girls, after which influence factors for precocious puberty were analyzed through multinomial logistic regression. The main influencing factor was found to be the height of their own and mothers' menarcheal age in terms of body and parent characteristics. Other factors influencing behavioral characteristics included the frequency of meat intake and eating-out in terms of eating habits. Additionally, watching TV, hours of using smart phone and number of private institute girls attending were also found to be influencing factors. Thus, interest in school and society in increasing precocious puberty in girls is important and extensive investigation of the causes and frequency of precocious puberty is necessary.

Military Life Pattern of Maladjusted Soldiers (복무부적응 병사의 군생활 패턴)

  • Lee, Eun-Joo
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.21 no.8
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    • pp.501-511
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    • 2020
  • This qualitative research examined the experiences and patterns of military life of service maladaptive soldiers. The research site was the place where the soldiers of the A-adaptive soldiers' healing program were conducted, and the study period was conducted from September 2016 to December 2017. Maladaptive soldiers' military life experience pattern was analyzed, and their experience consisted of three domains (early domain after joining the army, middle domain after joining the army, and last domain where they failed to adapt themselves), five cultural themes, 12 categories, and 29 attributes. The cultural themes of maladaptive soldiers in their military life experiences were as follows: facing unfamiliar military culture, hardship, being left alone in a group, pain becoming unbearable, and the last choice of leaving a painful military life. Maladaptive soldiers attempted suicide after they failed to overcome the psychological pain, but they needed help during their early period of adaptation. Moreover, during their middle period of adaptation, they needed guidance for their immature coping strategies, and ultimately they had misperceptions about their death together with a pessimistic view about their life. These results are expected to be used as basic data for the development of mental nursing arbitration programs and suicide prevention projects to help service maladaptive soldiers.

Kinematic Analysis of a Mastication Model Employing the 6-DOF Parallel Mechanism (6자유도의 병렬기구를 사용한 저작 모델의 기구학적 분석)

  • Khang, G.;Tsutsumi, Sadami
    • Journal of Biomedical Engineering Research
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    • v.20 no.4
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    • pp.479-484
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    • 1999
  • 본 연구에서는 사람의 턱 운동과 턱 사이에 작용하는 힘(혹은 압력)을 그대로 나타낼 수 있는 저작로봇을 개발하는 것을 궁극적인 목표로 한다. 이러한 저작로봇이 개발되면, 치과의사가 환자의 턱운동에 나타나는 병변을 진단하고 치료하는데 큰 도움이 될 것으로 사료된다. 또한 , 본 연구에 채택한 병렬기구(parallel mechanism)에대한 순기구학적( forward kinematics)분석은 일반적인 병렬기구의 실계에도 응용될 것으로 기대된다. 본 연구진이 1차적으로 설계한 모델은 베이스와 플랫폼(platform), 그리고 이 둘을 연결하는 3개의 다리로 구성되어 있다. 다리와 플랫폼은 3자유도의 관절로 다리와 베이스는 1자유도의 경첩 관절로 연결되어 있으며, 이 3개의 경첩 관절은 베이스 위의 수평면에서 직선을 따라 움직인다. 경첩 관절의 수평 변위와 세 다리의 길이가 주어졌을 때 플랫폼의 위치와 오리엔테이션을 구하는 순기구학의 해( 解)를 계산해내는 알고리즘을 개발하였다. 이 알고리즘의 특징은 매 순간 오차를 계산하여 이 오차가 줄어드는 방향으로 나아가도록 시간간격(time step)을 조절하는 것이다. 본 알고리즘은 현재 가장 보편적으로 사용되고 있는 뉴튼-렙슨 방법에 비하여 3가지 장점을 나타내고 있다. 우선 , 초기치(initial guess)에 관계없이 수렴한다는 것이다. 또한, 본 알고리즘은 뉴튼-렙슨 방법에 비하여 수렴속도가 훨씬 빠르며, 연산 시간이 매우 짧아져 실제적인 실시간 적용에 적합하다. 마지막으로, 뉴튼-렙슨 방법에서는 여러 개의 해 가운데 어느 곳으로 수렴할 지 예측 할수 없으나 본 알고리즘에서는 초기치에 가장 가까운 해로 수렴한다. 이러한 순기구학의 다중성(multiplicity)문제를 해결하기 위하여 두 개의 조건을 제시하였으며, 이를 적용한 시뮬레이션 결과에 의하면 항상 원하는 해(true solution)에 수렴할 수 있었다.발생량의 감소를 기대 할 수 있는 친환경기술로 유지관리비를 최소화할 수 있는 장점이 있었다. 않은 사람들 중 미래의 검진실행의지에 건강소식지가 영향을 미친 경우는 48.7%였다. 보건교육을 받은 후 유방암 자가검진 실천율은 사업군에서 53.9%로 받기 전의 27.3%보다 증가하였으나 대조군의 경우는 별 차이가 없었다. 연령별로는 60대가 가장 높았고 사업군에서 검진율의 증가분은 30대가 가장 컸다. 교육수준별로는 사업군은 고졸이, 대조군은 전문대졸이 가장 높았고 사업군에서 검진율의 증가분은 고졸에서 가장 컸다. 보건교육 후 유방암과 관련된 건강지식의 정도는 사업군이 3.7점으로 대조군보다 유의하게 높았으며, 유방암 자가검진법을 실천하는 사람들의 동기는 ‘일반 대중매체의 영향’이 가장 많았으며 건강소식지가 동기인 경우도 20.4%였다. 사업군에서 건강소식지가 유방암 자가검진법 실천에 영향을 미친 경우가 79.6%였으며 유방암 자가검진법에 관한 보건교육을 받고 실천하지 않은 사람들 중 미래의 실천의지에 건강소식지가 영향을 미친 경우는 43.6%였다. 이상의 소견에서 지역주민을 대상으로 인쇄매체를 통한 보건교육은 인쇄물만으로도 쉽게 실천 할 수 있는 유방암 자가검진법이 가장 효과적이었으며, 자궁암검진에 관해서도 검진을 받을 수 있도록 지역사회의 보건의료의 하부구조를 정비하여 제도적 장치를 마련하고 정보를 제공한다면 자궁암검진 실천율도 증가할 것이다.고 12.9% 의 발달율을 보여 유의적인 차이를 보이지 않았다. 이상의 결과로 보아 핵이식 수정란을 효율적으로 생산하기 위하여 수핵난자의 세포질에 ionomycin 과 DMAP 의 혼합처리로 탈핵난자의 활성화를 유도하는 것이 효율을 증진시킬 수 있었다고 본다. 또한 공핵수정란을 수정 후 90시간과 114시간 개별 배양하여 할구를 공핵체로 핵이식에 이용하였을 때도 그룹배양에 비하여 효율이 떨어지지 않음을 알 수 있었으며, 수정란의 할구

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The Effects of Value Innovation Culture on Individual Creativity : Focus on SMEs and Ventures Companies in Daejeon Region (가치혁신 문화가 개인창의성에 미치는 영향 : 대전 중소벤처기업을 중심으로)

  • Kwon, Ki-Hwan;Choi, Jong-In
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.9 no.2
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    • pp.129-146
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    • 2014
  • In order to be successful in the very changeable competitive environment, the organization has to creative not only on the research and development but also on the Value Chain. Especially for the middle and small venture companies, they have to be creative on the Value Chain to get new profit. For the value innovation, kinds of factors which initiate the value innovation such as Meaningful Work, Risk Taking, Customer Orientation, Agile Decision-Making, Business Intelligence, Open Communication, Empowerment, Business Planning, Learning Organization and other similar factors should be included in the organization culture. By focusing on the above 9 factors with value innovation culture, the study practically analysis the effect of the Value Innovation Culture on the Individual Creativity, and the followings are the result of the study. Firstly, meaningful work, empowerment and risk taking are positively associated with expert knowledge which is one component of individual creativity. Secondly, open organization is confirmed to be positively associated with creative thinking skills. Thirdly, learning organization, empowerment and innovativeness are the factors which is positively associated with Intrinsic Motivation. These results have showed the employees' individual recognized Value Innovation Culture is confirmed to be helpful on inducing Individual Creativity.

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Factors Affecting on the Quality of Life of the Elderly with Mild Dementia Living in Some Rural Community in Korea (일 농촌지역 경증 치매노인의 삶의 질 영향요인)

  • Kim, Min kyoung;Kim, Hyunli
    • Journal of agricultural medicine and community health
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    • v.43 no.3
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    • pp.180-190
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    • 2018
  • Objectives: The purpose of this study is to investigate the influencing factor of the quality of life of the elderly with mild dementia in rural community. Methods: A total of 123 elderly who were managed by public health center participated. They were diagnosed as mild dementia by MMSE-DS and CDR. Data were collected during the period from May to September in 2017 by a structured questionnaire that included general characteristics, depression, dependence, comorbidity, sleep scale. Data were analyzed by t-test, ANOVA, Pearson's correlation analysis, and multiple regression analysis. Results: The quality of life was correlated significantly with depression. Depression was the factor affecting the quality of life of the elderly with mild dementia in rural community. Depression accounted for 54.0% as a variable of quality of life. Conclusion: This study was meaningful in that it directly measured the quality of life of the elderly with mild dementia is known to be difficult to measure and found meaningful results. it is necessary to identify the cause of depression and establish a linkage system between public health centers and health related organizations in the community. We suggest the need for individualized preventive intervention program and integrated psychological health service considering depression.

Supercomputing Performance Demand Forecasting Using Cross-sectional and Time Series Analysis (횡단면분석과 추세분석을 이용한 슈퍼컴퓨팅 성능수요 예측)

  • Park, Manhee
    • Journal of Technology Innovation
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    • v.23 no.2
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    • pp.33-54
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    • 2015
  • Supercomputing performance demand forecasting at the national level is an important information to the researchers in fields of the computational science field, the specialized agencies which establish and operate R&D infrastructure, and the government agencies which establish science and technology infrastructure. This study derived the factors affecting the scientific and technological capability through the analysis of supercomputing performance prediction research, and it proposed a hybrid forecasting model of applying the super-computer technology trends. In the cross-sectional analysis, multiple regression analysis was performed using factors with GDP, GERD, the number of researchers, and the number of SCI papers that could affect the supercomputing performance. In addition, the supercomputing performance was predicted by multiplying in the cross-section analysis with technical progress rate of time period which was calculated by time series analysis using performance(Rmax) of Top500 data. Korea's performance scale of supercomputing in 2016 was predicted using the proposed forecasting model based on data of the top500 supercomputer and supercomputing performance demand in Korea was predicted using a cross-sectional analysis and technical progress rate. The results of this study showed that the supercomputing performance is expected to require 15~30PF when it uses the current trend, and is expected to require 20~40PF when it uses the trend of the targeting national-level. These two results showed significant differences between the forecasting value(9.6PF) of regression analysis and the forecasting value(2.5PF) of cross-sectional analysis.

The Relationship Between Managerial System and Knowledge Management, and the Moderating Effects of Decentralization and Formalization in Small Business (중소기업의 관리시스템과 지식경영의 관계 및 분권화와 공식화의 조절효과)

  • Chang, Kyung-saeng;Ahn, Kwan-young
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.10 no.6
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    • pp.167-175
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    • 2015
  • The purpose of this study is to review the relationship between managerial system(CEO support, pay system, education & training) and knowledge management, and the moderating effect of decentralization and formalization in small business. In order to verify and achieve the purposes mentioned above, questionnaire data are gathered and analysed from 227 subjects in Kangwon-do province. Multiple regression and multiple hierarchical regression analysis were applied to test the proposed hypotheses: 1) the relationship between managerial system and knowledge acquisition, 2) the relationship between managerial system and knowledge transfer, 3) the moderating effects of decentralization on the relationship between managerial system and knowledge management, 4) the moderating effects of formalization on the relationship between managerial system and knowledge management. Empirical survey's findings are as follows; First, knowledge acquisition and transfer appeared to be positively related with CEO support and education & training. Second, education & training was verified to be more positively related with knowledge transfer in higher decentralization group than in lower group. Third, CEO support and education & training were more positively with knowledge acquisition in lower formalization group than in higher group. Fourth, pay system were more positively with knowledge transfer in lower formalization group than in higher group.

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