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Study of Usage of Underwriting under Shared Policy Contract (계약정보 공유에 따른 언더라이팅 활용에 대한 고찰)

  • Bae, Young-Hie
    • The Journal of the Korean life insurance medical association
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    • v.22
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    • pp.121-137
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    • 2003
  • 현행 생명보험업계는 중복가입계약에 대한 정보교환제도를 시행함으로써 잠재적 위험에 대한 위험평가를 하고는 있으나 실제 언더라이팅 과정에서는 효율적인 활용을 못하고 있다. 따라서 언더라이팅 실무 입장에서 현행 정보교환제도의 문제점을 파악하고 각 보험회사가 취할 수 있는 효율적인 대응방안을 제시할 필요성이 대두되고 있다. 현행 정보교환제도의 문제점을 크게 몇가지로 나눌 수 있다. - 교환기준에 미달하는 다수의 계약건을 가입한 경우 위험평가 불가 - 위험평가상 고지의무에 충실한 계약자의 상대적 불리 - 정해진 기준과 다른 임의적 기준적용 등 선별적 자료교환으로 위험선택에서 배제된 잠재적 위험들의 계속적인 계약 및 지급 등 역선택 방조기능 - 실시간 반영된 정보부재 및 교환된 자료만으로 one-stop 위험평가를 할 수 없는 어려움 내재 - 정보교환에 대한 전체적 참여노력 부족 및 자기정보에 대한 방어와 자체 활용 이런 문제점들을 인식하고 이에 대한 효율적 대응방안을 제시해 본다. - 언더라이팅 측면에서 판매채널 다변화, 업무겸업화 둥 대외 환경변화에 따른 위험분석 및 평가, 위험분산을 위한 multi-player로서의 언더라이터 양성 필요 - 지급, 조사건의 분석 및 통계화 등 feed back 기능 강화통한 언더라이팅 활용 - 방문진단 통한 적부기능 활용 또는 모집자 사정평점제 등 언더라이팅 과정에서 활용할 수 있는 위험평가 자료축적 - 영업환경적 측면에서 고보장 상품의 경쟁적인 개발제한 - 정보교환제도 측면에서 정보교환 기준 변경 및 교환내용 추가 및 공동의 계약인수 guideline 필요 - 진단거절체, 표준미달체, 사절체 등 새로운 정보교환의 추진 필요 - 종합적인 피보험자의 정보를 획득할 수 있는 피보험자 종합정보의 데이터 구축 및 활용 효율적인 위험관리 외에도 각 보험회사별로 역선택 위험에 대한 심각성을 인식하고 업계간 정보교환에 적극적인 참여와 노력이 필요하며 잠재적 위험평가를 하는데 있어 계약자에게는 객관적 근거없이 불편을 갖지 않도록 언더라이팅 서비스하는 것 또한 중요하다. 지속적인 피보험자의 위험통계축적으로 잠재위험에 대한 보다 객관화된 위험평가를 할 수 있는 언더라이팅 기법을 체득함으로써 언더라이팅 경쟁력을 갖을 수 있다.

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The relationship of Achievement Goal and Academic Achievement in Department of Occupational Therapy Students for Learner Centered Education Approach (학습자중심 교육 접근을 위한 작업치료학과 학생의 성취목표 지향성과 학업성취의 관계)

  • Hwang, Ki-Cheol;Ro, Hyo-Lyun
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.11 no.6
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    • pp.2138-2143
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    • 2010
  • The purpose of this study was to investigate the relationship of academic achievement and the achievement goal of students of Department of occupational therapy in Gyeongnam Province. 106 students in the department of occupational therapy filled out a questionnaire. For this study, Elliot & Church's Achievement Goal and GPA were used. The achievement goal was subdivided into the mastery goal, the performance approach goal, and the performance avoidance goal. The GPA from the previous semester was used. The results of this study were as follows. Female students received higher grades on all of the Achievement Goals than male. The results of the performance approach goal decreased as the students' class seniority increased. The performance approach goal showed academic achievement correlated positively with performance approach, but correlated negatively with the performance avoidance goal. The negative achievement goal got lower as the seniority of students increased. On the basis of these results, an educational approach is necessary for the positive achievement goal where an understanding of the students' individual characteristics are account for in the achievement goal.

A Study on Clinical Reasoning Ability and Academic Achievements in Nursing Students (간호대학생의 임상추론 능력과 학업성취도)

  • Kim, Jeong Ah;Ko, Ja-Kyung
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.16 no.3
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    • pp.1874-1883
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    • 2015
  • The purpose of this study was to verify clinical reasoning of nursing students as well as clarify the relevance between clinical reasoning and academic achievement. 87 students broke into 30 groups of two or three. The students performed post operative care for adult patients in the simulation practicum course of their final semester. Data were collected by evaluating the video-recorded nursing practicum using the clinical reasoning rubric. Clinical reasoning of 61(70.1%) students was limited to the beginning level and that of 6(6.9%) students of the highest scoring was at the third level among the four levels of ability. There was no significant correlation between clinical reasoning and the final cumulative GPA, while there was low level of significant correlation between clinical reasoning and GPA of adult health nursing course or adult health nursing practicum course. Therefore, it is necessary to improve the nursing curriculum to enhance nursing students' clinical reasoning.

Open Market Sales Trend Analysis System Using Online Shopping Mall Data (온라인 쇼핑몰 데이터를 활용한 판매동향 분석 시스템)

  • Cha, Seung-yeon;Kim, Kang-ryeol;Shrestha, Labina;Kim, Yeong-ju;Choi, Jongmyung
    • Journal of Internet of Things and Convergence
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    • v.5 no.2
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    • pp.7-13
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    • 2019
  • As online shopping is activated by the development of the Internet, consumers' purchase form is changing from the traditional face-to-face purchase method to online purchase method. Many sellers have flowed into shopping malls, and competition among sellers is very intense. Therefore, sellers in shopping malls need to establish rational marketing strategies by analyzing consumer purchase patterns and product sales trends. In this paper, we analyzed the purchase price of consumers by analyzing the product price, rating, and sales quantity of competitors who sell the same product in open shopping malls by time zone. In addition, the collected information was visualized in a chart so that the company's and competitors' sales trends could be easily compared. Using the above system, it is possible to predict the sales volume through the analyzed purchasing pattern and to select the reasonable price of the product by grasping the sales trend.

Knowledge and Performance of Cancer Pain Management of Nurses and Nurses' aides in Long-term Care Hospitals (요양병원 간호사와 간호조무사의 암성 통증관리에 대한 지식 및 수행)

  • Jeong, Sunjin;Kim, Kyeha
    • The Journal of the Korea Contents Association
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    • v.14 no.10
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    • pp.649-660
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    • 2014
  • The purpose of this study was to assess knowledge and performance of cancer pain management of nurses and nurses' aides in long-term care hospitals. Subjects were 84 nurses and 72 nurses' aides recruited from seven long-term care hospitals in Gwangju city and Jeonranam-do. SPSS/WIN 21.0 was used for data analysis by descriptive statistics, independent t-test, one-way ANOVA, Pearson's correlation coefficients, and stepwise multiple regression. The mean scores of knowledge of cancer pain management were 16.84, and the score for performance was 2.88. There were significant differences in the knowledge of cancer pain management according to education level, job, and cancer pain management guidelines. Significant differences in performance of cancer pain management were observed according to education level, job, number of beds, cognition of cancer pain management guidelines, and clinical practice guideline for cancer pain management. Knowledge, number of beds, and clinical practice guideline for cancer pain management affected in performance of cancer pain management. Education program for cancer pain management and clinical practice guideline for cancer pain management are needed to improve performance of cancer pain management of nurses and nurses' aides in long-term care hospitals.

A Feasibility Study on the Research Infrastructure Project of System Semi-Conductor Industry (시스템 반도체산업 기반조성사업의 타당성 분석 연구)

  • Kim, Dae Ho
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.9 no.2
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    • pp.87-95
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    • 2014
  • The High-price development & testing tools and IP infratstructures are required for the development of system semi-conductors, but SMEs have not ability to prepare for them. Recently in terms of the miniaturization and the advancement of semiconductor process, the cost of the semi-conductor development have shown the rising tendency and the market-based design tools used are requied to be upgraded due to the advancement in the environment and technology. On the contray, many other contries such as Taiwan, Japan, China, and User are supporting this system semi-conductor industry. Korean government is trying to build the research infrastructure for system semi-conductor industry that aims to reduce the costs of the design infrastructure investment, to support the companies of system semi-conductor development and to incubate the fab-less start-ups. This study analyzes the feasibility of the project, by using the AHP analysis and the results shows that this project is considered feasible because the AHP overall score is evaluated as 0.840, the overall score is greater than or equal to 0.55.

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A Study on Radiologists' Awareness and Performance of Hospital Infection Prevention (방사선사의 병원감염예방에 대한 인지도와 수행도에 관한 연구)

  • Yeo, Jin-Dong;Jeon, Byeong-Kyu
    • Journal of the Korean Society of Radiology
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    • v.6 no.5
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    • pp.321-333
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    • 2012
  • The purpose of this study is to examine radiologists' awareness and performance of hospital infection control, providing basic information needed to improve and educate how to control hospital infection. The subjects' awareness and performance of hospital infection control were respectively 141.05 and 138.15 points in average score on a 150-point scale. In all sub-areas of the control, the higher the awareness was, the higher the performance was, but the latter was relatively lower than the former. Factors that were having statistically significant effects on that awareness included the necessity of infection control education, participation or non-participation in infection prevention education and recognition or non-recognition of patients' disease state. And factors that were having statistically significant influences on that performance included participation or non-participation in infection prevention education, recognition or non-recognition of patients' disease state and the foresaid awareness itself.

Patinets' Perception and Satisfaction with Nursing Care in Korea (일 종합병원의 간호행위에 대한 입원환자의 지각도와 만족도의 관계연구)

  • Eom, Ae-Yong
    • Korean Journal of Adult Nursing
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    • v.13 no.4
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    • pp.581-590
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    • 2001
  • 목적: 의료수준의 발전과 더불어 대중들의 건강요구와 건강증진에 대한 기대 수준도 점점 높아지므로 간호사는 대상자의 요구를 이해하고 양질의 간호를 제공하여 환자의 건강상태를 바람직한 방향으로 변화시켜야 한다. 따라서 이 연구는 환자가 인지한 간호에 대한 경험과 대상자가 경험한 간호에 대한 만족도를 파악하고, 그 관계를 규명함으로써 환자 간호의 질향상과 간호 만족도 향상을 위한 기초 자료를 제공하고자 한다. 연구방법: 본 연구는 일 종합병원의 127명의 입원 환자가 간호 경험정도와 제공받은 간호에 대한 환자 만족도 정도를 규명하기 위한 서술적 상관관계 연구이다. 연구결과: 첫째, 입원환자의 간호 행위에 대한 간호 지각도의 정도는 각 항목별 비교 분석한 결과 신체적 간호행위에 대한 지각도가 평균평점은 2.74로 가장 높았으며, 또한 환자가 지각한 간호행위에 대한 만족도는 기술-전문적 간호행위(M= 3.55)의 만족도가 가장 높았다. 둘째, 일반적 제특성과 전체 간호행위의 지각도와 차이가 있는지 분석한 결과 연령(p< 0.1)에 따라 유의한 차가 있는 것으로 나타났다. 즉 연령이 높을수록 간호행위에 대한 지각도가 높게 나타났다. 그리고, 간호행위에 대 한 지각도의 하부영역 분류중 신체적간호행위에 대한 지각도는 입원과(p< 0.05)에 따라 유의한 차가 있는 것으로 보였다. 또한 일반적 제특성과 전체 간호행위의 만족도와의 관계에서는 입원과(p< 0.05)에 따라 유의한 차가 있었다. 일반외과 환자가 내과 환자보다 만족도가 높은 것으로 나타났다. 셋째, 입원환자의 간호 행위에 대한 환자의 지각도와 만족도간의 관계(r= 0.39, p= 0.00)는 서로 상관성이 있는 것으로 나타났다. 결론: 본 연구의 대상은 1개 종합병원에 국한된 것이므로 연구결과를 일반화 할 때는 신중을 기해야 한다. 연구결과에서 보여주듯이 정신적 간호행위가 가장낮은 지각도로 나타났듯이 간호사는 환자들의 정신적 지지의 간호가 잘 이루어 지도록 노력해야 할 것이며, 또한 교육적 간호행위의 만족도가 가장 낮게 나타났으므로 보다 더 환자와 간호사간의 정보교환이 잘 이루어지도록 해야 한다. 연구결과를 기초로 하여 전 진료과 병동으로 확대 반복 연구를 제언하며, 환자의 간호 만족도를 향상시키기 위해 전문적 지식 및 긍정적 의사표현등을 포괄하여 간호사의 적극적 간호행위가 수행되어야 할 필요가 있다.

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A Study on the Satisfaction of the Elderly with Mild Dementia using the Dementia Care Center (경증치매노인의 치매안심센터 이용만족도에 관한 연구)

  • Kim, In-Ok
    • Journal of Digital Convergence
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    • v.18 no.5
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    • pp.505-512
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    • 2020
  • This study is done to provide basic data on the effective operation of the new policies by examining the satisfaction level of the elderly with dementia visiting dementia care centers located in 25 autonomous districts of S city. Self-administered questionnaires were distributed to 217 elderly with dementia who visited the above dementia care center from July 1 to September 30, 2019. The satisfaction tool is a chart score scale that displays negative-positive expressions at both ends of a straight line. The result shows that satisfaction level is significantly higher in the group with trust in the visiting institutions than in the group with distrust (t=9.74, p<.001), higher in cognitive impairment group than in dementia group (t=0.13, p=.034), and higher in mild depression group than in more severe depression group (t=2.31, p=.022). Satisfaction ratios analyzed by logistic regression shows significant differences in factors like gender, age, education, and walking pattern. In conclusion, it is important to run health support programs that consider user characteristics to improve the satisfaction of newly introduced dementia care centers.

Factors Influencing dietary Behavior in Nursing Students (간호대학생의 식행동에 영향을 미치는 요인)

  • Oh, Yun-Jung
    • Journal of Convergence for Information Technology
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    • v.10 no.5
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    • pp.83-91
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    • 2020
  • This study was conducted in order to identify the level of dietary behavior and investigate factors that influence dietary behavior in nursing students. This study was a descriptive survey including 304 students in D city. Data were analyzed using descriptive statistics, t-test, ANOVA, pearson's correlation coefficient and stepwise multiple regression with SPSS 18. The average score of the subject's dietary behavior was 2.72. In the correlation of dietary behavior, there was a significant positive correlation with health concern and dietary attitude, and there was no correlation with nutrition knowledge. Models including the variables, health concern, perceived health status, exercise, dietary attitude and residential type explained 24.4% of the variance for dietary behavior. Health concern was the most influential factor. A practical intervention program which includes these significant variables of subjects is essential to improve of good dietary behavior.