• The Journal of the Korean life insurance medical association
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• v.22
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• pp.139-169
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• 2003

국내 보험 산업은 경제발전에 따라 많은 성장을 이루어왔으나 단체보험은 보험 회사의 외부적 또는 내부적 환경으로 인해 활성화가 미흡한 상황이다. 개인보험시장의 포화, 해외시장에서 단체보험의 지속적인 성장, 사회보험 민영화 논의, 방카슈랑스와 보험시장의 개방 등 급격한 변화를 겪고 있는 보험영업환경을 고려한다면 향후 확대될 기업복지시장에서의 성공적 역할수행을 위해서는 단체보험 영업과 지원시스템의 보완이 시급한 과제라고 할 수 있다. 특히 언더라이팅 기법은 단체보험의 핵심역량이며 회사의 경쟁력 강화와 사차익 안정화를 위해서는 단체보험 인수기법의 선진화가 필수요건이다. 단체보험은 대수의 법칙, 수지상등의 원칙 등 보험의 기본원리라는 측면에서는 개인보험과 다른 점이 없지만 하나의 계약을 통해 집단의 피보험자에게 보장을 제공하기 때문에 가지게 되는 역선택 축소, 비용절감, 기업에 의한 1차선택 등 몇 가지 특성들은 인수기법에서의 차이를 필요로 한다. 하지만 국내의 단체보험 언더라이팅은 기본개념조차 제대로 정립되어 있지 못한 초기단계로 단체보험의 특성을 제대로 반영할 수 있는 위험평가를 위해서는 선진기법의 도입이 절실하다. 첫째, 자유보장한도(FREE COVER LIMIT)의 도입이다. 자유보장한도는 단체에 대한 위험과 피보험자 개인의 위험을 구분하는 기준으로 자유보장한도내의 피보험자에 대해서는 고지나 의적 검사를 요구하지 않고 개인별 언더라이팅을 하지 않으며 거절체나 표준하체이더라도 자유보장한도 금액까지는 나머지 정상 피보험자들과 동일한 보장을 제공하는 것을 말한다. 이는 피보험자별 위험을 중심으로 심사하고 있는 현재의 국내 단체보험 인수방법에서 발생되는 고객측 불만과 심사의 비효율성을 개선할 수 있는 방안이다. 둘째, 단체별 특성에 따른 보험요율 차등화이다 단체는 산업의 종류, 피보험자의 직무, 지역적 위치, 크기(피보험자수), 성별구성비 등 여러 가지 특성들을 가지고 있으며 이런 특성들은 보장급부에 따라 발생위험에 영향을 미칠 수 있다. 하지만 현재 나이와 성별에 따라서 피보험자별로 정해지는 요율체계만으로는 이런 위험들을 적절하게 반영하지 못하고 단체별 형평성에도 문제가 생긴다. 따라서 정확한 data 구축을 통해 단체 특성별로 어떤 보장에 어느 정도로 위험 발생에 영향을 미치는지를 분석하여 보험요율을 차등부과 할 수 있는 체계를 갖추어야 한다. 셋째, 경험을 활용한 보험료 산정기법이다. 이것은 개인보험과 구분되는 가장 큰 단체보험만의 특성이라 할 수 있는데 해당 단체의 과거 경험 data 즉 청구로 인한 지급금액을 토대로 당해 계약 보험료를 결정하는 방법이다. 이를 위해서는 과거 경험 data가 얼마나 신뢰할 수 있는 지의 정도(신뢰도)를 측정하는 것이 필요하다. 과학적이고 효율적인 단체보험 인수를 위해서 경험율의 활용은 반드시 이루어져야 할 선결과제이다. 넷째, 관련규정의 정비가 필요하다 단체보험의 특성을 갖기 위해서는 가입가능한 피보험자들의 자격규정(eligibility), 활동적근무 조건(actively at work)이 요구되어야 하며 참여비율(가입비율)과 보장수준의 구성방법에 대해서도 가이드라인 설정을 통해 역선택을 최소화 할 수 있는 제도적 보완이 마련되어야 한다. 이런 선진인수기법의 도입과 함께 단체보험 언더라이터의 필요역량을 개발하고 향상시키는 노력도 병행되어야만 종합금융화, 대형화가 진전되면서 대경쟁의 구도로 바뀌고 있는 국내 보험시장에서의 경쟁력 확보가 가능할 것이다.

• Journal of the Korean Society of Marine Environment & Safety
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• v.23 no.4
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• pp.338-346
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• 2017

Natural seaweed beds and habitat environments were investigated using quantitative and qualitative methods from May to December 2015 at 3 sites in Gangneung, Uljin, and Busan along the eastern coast of Korea. In total, 9 green, 23 brown, and 64 red algal taxa were identified. The biomass of the seaweed at Gangneung was 173.2 to $613.8wet\;wt.g/m^2$ of Dictyota divaricata, 360.8 to $520.4wet\;wt.g/m^2$ of Symphyocladia linearis, and 25.9 to $470.8wet\;wt.g/m^2$ of Undaria pinnatifida. At Uljin, these numbers were 5.5 to $256.2wet\;wt.g/m^2$ of Plocamium telfarirae and 46.8 to $241.5wet\;wt.g/m^2$ of Agarum clathratum. The biomass of Sargassum coreanum and Ecklonia cava were 388.1 to $6,972.4wet\;wt.g/m^2$ and 194.9 to $958.5wet\;wt.g/m^2$, respectively, at Busan. S. coreanum and E. cava showed higher biomass compared to other seaweed at Busan. The biomass rate represented an average of 19.2 percent of the total population, ranging from 0.0 to 55.5 percent in Gangneung. In Uljin, the average was calculated as 63.8 percent, and this figure was 48.5 percent in Busan. The percentage of barren ground averaged 46.7 percent in Gangneung and 91.1 percent in Uljin. Uljin showed the highest percentage of barren ground compared to other regions. Sea urchin density appeared to be $6.0ind./m^2$ in Gangneung, $7.0ind./m^2$ in Uljin, and $2.0ind./m^2$ in Busan, with the lowest sea urchin density being that of Busan. In conclusion, the composition of species, appearance ratio, and abundance of vegetation found were similar to previous studies, but it is thought that continuous monitoring is needed due to concerns about physical and chemical pollution caused by global warming, climate change, and coastal development.

• Journal of Yeungnam Medical Science
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• v.6 no.2
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• pp.223-239
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• 1989

To observe the change in the status of stresses according to three different postural angulation of an intervertebral disc with or without nucleus pulposus, 6 specimens of a 3-dimensional photoelastic model of the s pine were made of epoxy. The nucleus pulposus portion was replaced with silicon in three models, and the three were made without silicon. Through axial application of a vertical compressive load of 8kg, the peculiar patterns of the isochromatic fringes were observed. Stresses on the intervertebral disc were analyzed according to three different postural angulations of the intervertebral disc with the nucleus pulposus and without the nucleus pulposus. The results of these study are as follow : 1. In an erect neutral posture with the nucleus pulposus, the stress concentration was much increased at the posterior portion rather than at the anterior portion. Also, the high stress was concentrated at the medial and central portion. In an erect neutral posture without the nucleus pulposus, the stress concentration was much increased at the anterior portion rather than at the posterior portion and the stress distribution seemed to be locally concentrated. 2. In a maximal flexed posture, the stress concentration was much increased at the posterior portion rather than at the anterior portion. Comparing the presence of the nucleus pulposus with the absence of the nucleus pulposus, the stress concentration was lower at the anterior portion in the presence of the nucleus pulposus than in the absence of the nucleus pulposus. However, the stress distribution at the posterior portion was nearly same in the two groups. According to the analysis of the stress distribution diagram, as a whole, the stress pattern around the disc was evenly distributed. 3. In a maximal extended posture, the higher concentration of the stress distribution at the anterior and medial portion rather than in the posterior and lateral portion was observed. The stress concentration was higher in the presence of the nucleus pulposus than in the absence of the nucleus pulposus. 4. Comparing the maximal flexed posture with the erect neutral posture, the stress concentration in the flexed posture was much decreased in the posterior portion rather than in the erect neutral posture, and an even distribution of the stress pattern in the flexed posture was observed. 5. In the presence of the nucleus pulposus, at the anterior and posterior portion, the stress concentration in the flexed posture was much decreased compared with the extended posture. In the absence of the nucleus pulposus, at the anterior and posterior portion, the stress concentration in the extended posture was much decreased compared with the flexed posture.

• Journal of Yeungnam Medical Science
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• v.14 no.2
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• pp.383-392
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• 1997

To study the differences of bone mineral density according to the gestational ages and the birth weight and get a reference data for the diagnosis of metabolic bone diseases in the newborn infants, bone mineral densities of the lumbar vertebrae were measured in fifty-three newborn infants born at Yeungnam University Hospital from March 1, 1995 to February 28, 1997, whore gestational ages were between $28^{+3}$ and $41^{+3}$ weeks and who had no intrauterine growth retardation, using dual energy X-ray absorptiometry (X-R 26, Norland, USA) within seven days of life. 1. There was no sexual difference in bone mineral density. The bone density increased significantly as gestational age increased from $0.149{\pm}0.009g/cm^2$ at 28-30wks to $0.229{\pm}0.034g/cm^2$ at 39-41wks of gestational age (p<0.05), but there was no significant difference between bone mineral densities at 33-34 wks and 35-36wks. There was positive linear correlation between gestational age and bone mineral density ($Y=7.5{\times}10^{-3}X-0.082$, r=0.7018, p<0.001). 2. The bone mineral density increased significantly as the birth weight increased from $0.158{\pm}0.020g/cm^2$ in 1,000-1,499 g to $0.251{\pm}0.021g/cm^2$ in 3,500-4,000 g of the birth weight (p<0.05), but there was no significant difference between bone mineral densities in 1,000-1,499 g and 1,500-1,999 g of the birth weight. There was positive linear correlation between the birth weight and the bone mineral density ($Y=3.9{\times}10^{-5}X+0.093$, r=0.7296, p<0.001). There were positive correlations between the bone mineral density and gestational age, and between the bone mineral density and the birth weight. It can be used as a reference data for the further study on the bone mineral metabolism in the newborn infants including preterm babies.

• Journal of Yeungnam Medical Science
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• v.11 no.2
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• pp.262-269
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• 1994

Glutathione (GSH) is a well-known antioxidative cellular component which is ubiquitous in nature. Several enzymes involved in GSH metabolism and recycling have been found to play important roles in detoxification of xenobiotics and free radicals. In this study, total GSH content, activity of GSH peroxidase and GSH reductase were measured in liver and kidney of cisplatin treated rats. Total GSH content (mM/g protein) of liver was higher in cisplatin treated rats ($1.51{\pm}0.28$) than of nontreated control ($0.95{\pm}0.28$), and in kidney, it was also higher in cisplatin treated rats ($0.87{\pm}0.20$) than that of control ($0.68{\pm}0.14$). The activity of GSH peroxidase (${\mu}M/mg$ protein/min) was lower in liver of cisplatin treated rats ($348.0{\pm}18.54$) than that of control ($415.5{\pm}53.15$), in kidney it was increase din cisplatin treated rats ($380.5{\pm}51.86$) compared to control ($327.3{\pm}20.36$). The activity of GSH reductase (${\mu}M/mg$ protein/min) was higher in liver of cisplatin treated rats ($3.09{\pm}0.88$) than that of control ($2.28{\pm}0.61$), in kidney it was also higher in cisplatin treated rats ($8.50{\pm}2.62$) than that of control ($3.30{\pm}1.10$). In summary, detoxification of ciplatin was revealed lesser effect in kidney as show increasion of GSH peroxidase and reductase and detoxification of cisplatin was expressed effectively in liver by increasing of GSH content and decreasing GSH peroxidase.

• Applied Biological Chemistry
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• v.29 no.2
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• pp.138-147
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• 1986

Barley koji was made in order to investigate the lipid contents of barely koji during preparation. Diethyl ether extracts and 85% methanol extracts were extracted and purified. The lipid components were classified. The individual neutral lipids, glycolipids and phospholipids were fractionted, quantified and fatty acid compositions of the three lipids were determined. Total lipid contents of diethyl ether and 85% methanol extract of barley koji increased during preparation. Neutral lipid, glycolipid and phospholipid contents in diethyl ether extract increased, however, neutral lipid, glycolipid and phospholipid contents in 85% methanol extract decreased during koji preparation. TG content of the neutral lipid in diethyl ether extract decreased. Conversely, DG, FS, FFA and ES contents increased. But TG, DG and FS contents of the neutral lipid in 85% methanol extract decreased. LPC, (PC+PS), PI, PG and PE contents of the phospholipid on diethyl ether extract increased. But LPC, (PC+PS), PE and PI contents in 85% methanol extract decreased during koji preparation. Palmitic acid, linoleic acid and linolenic acid of neutral lipid in diethyl ether extract decreased, however, palmitic, stearic, oleic, linoleic acid in 85% methanol extract decreased. Palmitic acid, stearic acid, oleic acid and linoleic acid of glycolipid in diethyl ether extract increased, but in 85% methanol extract they decreased except oleic acid. Palmitic, stearic, oleic, linoeic and linolenic acid of phospholipid in diethyl ether extract increased during koji preparation. On the other hand palmitic, oleic and linoleic acid in 85% methanol extract decreased but stearic and linoleic acid increased.

• Clinical and Experimental Pediatrics
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• v.48 no.10
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• pp.1096-1101
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• 2005

Purpose : Recently, early surfactant replacement and tidal volume based gentle ventilation has been a fundamental treatment of respiratory distress syndrome(RDS). The aims of this study were to survey the changes in ventilator care duration and rate of complication in RDS groups. Methods : We performed a retrospective study of 255 newborn infants less than 1,500 g admitted to the neonatal intensive care unit(NICU) and discharged from January 1999 to December 2003. 141 of 255 newborn infants were RDS groups that required invasive management, such as endotracheal intubation, surfactant replacement and assisted ventilation. We analyzed epidemiologic data to study the changes in ventilator care duration and outcome of RDS groups. Results : Of 141 RDS groups, 135 were mild to moderate RDS groups and only 6 were severe RDS groups. 24(17.8%) of 135 mild to moderate RDS groups and 3(50%) of 6 severe RDS groups were antenatal no use of maternal dexamethasone. 127(90.1%) of 141 RDS groups underwent replacement of surfactant during 3 hours after birth. 121(85.9%) weaned within 48 hours. Conclusion : Our study shows a decreased frequency of severe RDS by a antenatal use of maternal dexamethasone and decreased duration of ventilator care by early surfactant replacement and gentle ventilation.

• The Korean Journal of Pesticide Science
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• v.10 no.1
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• pp.15-21
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• 2006

In order to monitor the pesticide residues in/on peppers and pepper powder and to assess their risk, pesticides in/on green pepper from 10 farmgates and fresh red pepper from 9 farmgates in Chungbuk area and pepper powder from 6 wholesale markets in Cheongju city were analyzed with a GLC and an HPLC. Also, pepper powder made by pulverization of the dried red pepper was analyzed to elucidate the change of pesticide residues in fresh red pepper by oven-drying. The number of pesticides detected from peen pepper, fresh red pepper, dried red pepper and pepper powder were 9, 12, 12, and 17, respectively, including 10 pesticides (one fungicide and nine insecticides) which were exceeded the maximum residue limits (MRLs). The exceeding rate of the MRL were higher in dried red pepper and pepper powder than in green pepper and fresh red pepper. Although some pesticides in peppers and pepper powder exceeded the MRLs, their estimated daily intake(EDI) were less than 1.6% of their acceptable daily intakes(ADIs), suggesting that it would be estimated to safe. By oven-drying of fresh red pepper at $65^{\circ}C$ for 72 hours, the weight of dried red pepper was from 1/5.9 from 1/7.8 of fresh red pepper, while the concentration of pesticide residue in dried red pepper increased from 1.7 to 8.2 times, suggesting that further reconsideration was required for the MRL of pepper powder.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.15 no.6
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• pp.3734-3740
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• 2014

The aim of this study was provide basic information and establish the criteria in radiation therapy planning by measuring the absorbed neutron dose of normal tissues and lesions according to the number of portals. From September 2013 to January 2014, 20 patients who were diagnosed with prostate cancer and were previously treated with radiation therapy were replanned retrospectively to measure the absorbed neutron dose distribution according to the number of portals. The absorbed neutron dose was measured in each of the 5, 7 and 9 portals using a 15 MV energy, which meant a therapeutic dose of 220 cGy. The optical stimulation luminescence dosimeter was separated by 20cm and 60cm away from the center of the field of view. As a result, the average radiation dose in the abdomen appeared to have a positive relationship with the number of portals, which was statistically significant (p<.05). The average radiation dose was $4.34{\pm}1.08$. The average radiation dose in the thyroid was $2.71{\pm}.37$. Although it showed a positive relationship with the number of portals, it did not have statistical significance. The number of portals and the neutron dose depending on the position showed a significant positive relationship, particularly in the abdomen. As a result of linear regression analysis, as the number of the portal increased in steps, the average volume of the neutrons increased significantly (0.416 times). In conclusion, efficient selection of the number of portals is needed considering the difference in the absorbed neutron dose in the normal tissues depending on the number of the portals.

• Journal of Nutrition and Health
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• v.50 no.6
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• pp.664-678
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• 2017

Purpose: To identify the effectiveness of policy evaluation, consistent monitoring is necessary. This study aimed to carry out mid-term evaluation of objectives and programs related to comprehensive plans for sodium intake reduction by 2020 for Seoul city and then reestablish the objectives of the sodium intake reduction plans. Methods: Literature reviews, data analysis, and reviews of expert focus-groups were performed to evaluate objectives, to develop a new goal, and to identify the priority subjects of the sodium intake reduction programs. In order to examine target populations for the programs, awareness and behaviors related to sodium intakes among Seoul citizens were examined by sex, age, and income level using the 2008~2013 Korea National Health and Nutrition Examination Survey data. Results: Current objectives of the sodium intake reduction plan by 2020 for Seoul city were not appropriate, so objectives were reset to 3,600 mg of sodium intake by 2020 among Seoul citizens with 2% reduction per year. Although sodium intake showed a decreasing trend by year, it was still high, especially in men. The sodium intake reduction programs currently in progress have not been assessed at multiple levels across multiple sectors and have only been assessed fragmentarily. For dietary behavior related to sodium intakes by sex, age, and income level, sodium intake was higher in the group with less than 100 g of fruit intake compared to the group with 100 g or more. Subjects aged 30~59 years and the low household income group showed relatively higher sodium intakes. Based on the data analysis and the expert review, the priority subject of the sodium intake reduction programs was determined to be adult men. In terms of a program strategy for sodium intake reduction, multi-level and setting approaches, including work sites, home, and restaurants, were suggested to reduce sodium intakes of the target subject. Conclusion: The suggested objectives should be consistently monitored by data analysis, and the determined programs need to be phased in over 5 years.