• Journal of the Korean Data and Information Science Society
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• v.24 no.4
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• pp.723-736
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• 2013

The importance of lapse rate is highly increasing due to the introduction of Cash Flow Pricing system, non-refund-of-reserve insurance policy, and IFRS (International Financial Reporting System) to the Korean insurance market. Researches on lapse rate have mainly focused on simple data analysis and regression analysis, etc. However, lapse rate can be analyzed by survival analysis and can be well explained in terms of several covariates with Cox proportional hazard model. Guaranteed minimum benefits embedded in variable annuities require more elegant statistical analysis of lapse rate. Hence, this paper analyzes data of policyholders with variable annuities by using Cox proportional hazard model. The key variables of policy holder that influences the lapse rate are payment method, premium, lapse insured to term insured, reserve-GMXB ratio, and age.

• Journal of the Korean Society of Hazard Mitigation
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• v.9 no.2
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• pp.39-43
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• 2009

we studied and analyzed a tree mortality of 7 species(Pinus koraiensis etc) in surface forest fire area. In this results, the order of tree mortality was Cryptomeria japonica>Pinus koraiensis>Pinus densiflora>Pinus thunbergii>Larix leptolepis>Pinus rigida>Quercus. More damaged crown was higher tree mortality and more d.b.h was less tree mortality. Especially, oak trees in which a damage rate of crown was less 30% almost survived.

• Korea Real Estate Review
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• v.28 no.1
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• pp.115-130
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• 2018

This study investigated the factors influencing the termination of the JooTeakYeonKeum contract according to its rate increase, and aimed to identify the differences in the factors affecting the cancellation of the contract according to the collateralized house price range. The results showed that the higher the cumulative increase rate of the mortgage housing price at the time of subscription is, the higher the monthly payment, the larger the gap between the monthly payment and the minimal living expenses for aging, the lower the net population moving rate in the previous month, and the lower the cumulative mortgage. Moreover, the JooTeakYeonKeum contract is terminated. The factors affecting the termination of the contract are different in each interval of the price range of the mortgage housing. To confirm this, a mortgage price range model was constructed and analyzed. The results showed that 60% of the elderly participants in the JooTeakYeonKeum program subscribed thereto with a below-average subsidized housing price. It was confirmed that the factors affecting the termination of the contract differ by price range. Lowering the risk of increasing the JooTeakYeonKeum termination rate will be a significant way of boosting the welfare of elderly people aged 65 and older, and of easing the impact of population aging.

• Journal of Intelligence and Information Systems
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• v.23 no.3
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• pp.45-67
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• 2017

According to the Internet Usage Research performed in 2016, the number of internet users and the internet usage have been increasing. Smartphone, compared to the computer, is taking a more dominant role as an internet access device. As the number of smart devices have been increasing, some views that the demand on high-speed internet will decrease; however, Despite the increase in smart devices, the high-speed Internet market is expected to slightly increase for a while due to the speedup of Giga Internet and the growth of the IoT market. As the broadband Internet market saturates, telecom operators are over-competing to win new customers, but if they know the cause of customer exit, it is expected to reduce marketing costs by more effective marketing. In this study, we analyzed the relationship between the cancellation rates of telecommunication products and the factors affecting them by combining the data of 3 cities, Anyang, Gunpo, and Uiwang owned by a telecommunication company with the regional data from KOSIS(Korean Statistical Information Service). Especially, we focused on the assumption that the neighboring areas affect the distribution of the cancellation rates by coupling type, so we conducted spatial cluster analysis on the 3 types of cancellation rates of each region using the spatial analysis tool, SatScan, and analyzed the various relationships between the cancellation rates and the regional data. In the analysis phase, we first summarized the characteristics of the clusters derived by combining spatial information and the cancellation data. Next, based on the results of the cluster analysis, Variance analysis, Correlation analysis, and regression analysis were used to analyze the relationship between the cancellation rates data and regional data. Based on the results of analysis, we proposed appropriate marketing methods according to the region. Unlike previous studies on regional characteristics analysis, In this study has academic differentiation in that it performs clustering based on spatial information so that the regions with similar cancellation types on adjacent regions. In addition, there have been few studies considering the regional characteristics in the previous study on the determinants of subscription to high-speed Internet services, In this study, we tried to analyze the relationship between the clusters and the regional characteristics data, assuming that there are different factors depending on the region. In this study, we tried to get more efficient marketing method considering the characteristics of each region in the new subscription and customer management in high-speed internet. As a result of analysis of variance, it was confirmed that there were significant differences in regional characteristics among the clusters, Correlation analysis shows that there is a stronger correlation the clusters than all region. and Regression analysis was used to analyze the relationship between the cancellation rate and the regional characteristics. As a result, we found that there is a difference in the cancellation rate depending on the regional characteristics, and it is possible to target differentiated marketing each region. As the biggest limitation of this study and it was difficult to obtain enough data to carry out the analyze. In particular, it is difficult to find the variables that represent the regional characteristics in the Dong unit. In other words, most of the data was disclosed to the city rather than the Dong unit, so it was limited to analyze it in detail. The data such as income, card usage information and telecommunications company policies or characteristics that could affect its cause are not available at that time. The most urgent part for a more sophisticated analysis is to obtain the Dong unit data for the regional characteristics. Direction of the next studies be target marketing based on the results. It is also meaningful to analyze the effect of marketing by comparing and analyzing the difference of results before and after target marketing. It is also effective to use clusters based on new subscription data as well as cancellation data.

• Proceedings of the Korean Quaternary Association Conference
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• 2002.06a
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• pp.6-7
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• 2002

• Korean Journal of Agricultural and Forest Meteorology
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• v.14 no.4
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• pp.222-228
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• 2012

This study was conducted to determine the natural succession process after forest fire by comparing height, relative growth rates in height (RGH), and tree density of pine seedlings with different fire severity. In the area damaged by surface fire, tree density was highest during the first 5 years after fire. However, in the area damaged by crown fire, tree density rapidly increased during first 5 years after fire. Pine seedlings were found only on the place with ridges, barren soil, and the aspect of north. Annual height growth of pine seedlings was decreased with time in all study sites. The empty space in pine stands gradually decreased by the invasion of Quercus species. The forest fire altered the pine forest into oak forest rapidly. In contrast, pine seedlings invaded steadily on the oak forest in the rocky area or the area with ridges.

• Journal of the Korean Society of Hazard Mitigation
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• v.8 no.1
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• pp.71-79
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• 2008

To find out the effect of the vegetation recovery and the problems of forest land, the researches of the mortality in pine stand and vegetation recovery have been carried out from the burned site. In area which is damaged by fire scar on crown and stem, rate of dead is higher. Where stand growing stocks were totally damaged by crown forest fire, most of vegetation was recovered by sprouts and planted seeds. Vegetation recovery power were depending on the condition of soil depth condition. For the artificial recovery, the damage happened by insects in the planted birches plantation. Rate of growth was somewhat different between Pinus densiflora and Pinus thunbergii in the plantation, because of individual growth rate.

• Korean Journal of Soil Science and Fertilizer
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• v.42 no.6
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• pp.409-414
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• 2009

In 1970's Black locust(Robinia pseudoacacia) had been widely planted Korea as an important forest greening species for erosion control afforestation. Since 2000, however, the tree's leaf-yellowing symptom has often been observed at a limited region and then spreaded out over the country in 2006. This study was conducted to study soil physiochemical properties of black locust stands with and without the leaf-yellowing symptom in Osan, Gyeonggi province. Most of soils in sampling sites were mostly slightly eroded, dry, and moderately dry. Available soil depth(16cm) and total soil depth(26cm) in leaf-yellowing (LY) site were significantly lower than in non leaf-yellowing (Non-LY) site's soil depths which were 30cm and 56cm, respectively. And solid phase proportion and bulk density in soils were lower in LY site than in non-LY site soils, while soil liquid phase proportion was also low. It could reflect that LY site soils might have a lower air and moisture movement in the rhizosphere of black locust stand compared with non-LY site soils. Soil acidity in both sites was very strong acid, soil pH (4.42) of LY site was slightly lower than non-LY site's (pH 4.54). Content of available phosphorous, exchangeable $Ca^{2+}$ and $Mg^{2+}$ and percent base saturation were less than LY site. These results indicated that soil physiochemical condition in LY site, more deteriorated than non-LY site, should adversely affect the retention and supply capacity of soil nutrients and moisture. Therefore the black locust may be more sensitive to other environmental stresses.

• Communications for Statistical Applications and Methods
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• v.18 no.6
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• pp.687-696
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• 2011

Customer Lifetime or Customer Lifetime Value is a essential metric of differentiated CRM marketing and differentiated marketing strategy as a company core competency. However, customer lifetime used in companies is easily obtained from a confined simple customer attrition rate at some specific time point regardless of customer characteristics. In this study, in order to overcome the constraints of previous simple methods and to make practical use of it in industries, we suggest a method that estimates a customer lifetime using a customer segment based survival analysis with the censored data of customers; in addition, we apply this method to A mobile telecom company data. A method using customer segment based survival analysis is suggested in this study 1) includes all customers having different subscription dates, 2) reduces individual error, 3) can reflect trends after the observed time point and is more realistic.

• Journal of the Korean Data and Information Science Society
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• v.24 no.4
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• pp.737-753
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• 2013

Interest rate options embedded in life insurance products provide policyholders with minimum guaranteed rates credited to the corresponding surrender values. This paper discusses current low-interest environment and several types of interest rate options embedded in life insurance products. In addition, this paper shows profit structures of the life insurance products and calculates values of the interest rate options under stochastic interest model and the corresponding VaR (value at risk). Finally, some implications are discussed.