• Title/Summary/Keyword: General Health

검색결과 9,262건 처리시간 0.046초

한국 금융회사 마케팅 현황에 대한 탐색 연구 (An Exploratory Study on Marketing of Financial Services Companies in Korea)

  • 천성용
    • Asia Marketing Journal
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    • 제12권2호
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    • pp.111-133
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    • 2010
  • 투자상품의 확산, 고령화 등으로 인한 금융니즈 다양화와 자본시장법 시행으로 인한 금융회사간 치열한 경쟁으로 인해 금융산업 내에서 마케팅의 역할이 더욱 중요해지고 있다. 그러나, 지금까지 다른 산업에 비해 금융산업의 마케팅 연구는 상대적으로 부족하였다. 본 연구는 향후 구체적인 금융마케팅 연구들이 진행되기에 앞서 국내 금융마케팅 연구들을 정리하고, 국내 금융회사 마케팅 담당자를 In-depth 인터뷰하여 실제 국내 금융 마케팅 현황을 조사하였다. 이를 통해 향후 금융마케팅 연구에 필요한 시사점을 얻고자 하였다. 분석 결과, 다른 산업의 마케팅과 다른 금융 마케팅만의 고유 특징에 대한 이론적인 연구가 부족하였고, 금융산업 내에서 은행, 증권, 보험, 카드 산업 간의 마케팅 특징 차이에 대한 연구도 부족하였음을 알 수 있었다. 소비자행동 관점에서 금융고객의 의사결정 과정에 관한 연구도 부족하였다. 또한, 우리나라의 금융회사의 마케팅 현황은 외형적으로 어느 정도 성숙 단계에 접어들었다고 볼 수 있으나, 실제 업무는 여전히 과거의 영업지원, 혹은 프로모션 및 CRM 데이터 분석 등 단기적인 부분에 치중되어 있었다. 그리고, 은행, 증권, 보험, 카드 회사 등 각 세부 금융산업별 마케팅 담당자들이 중요하게 생각하는 금융마케팅의 키워드와 문제 인식 정도도 서로 다름을 알 수 있었다. 본 연구는 이러한 분석 결과를 바탕으로 향후 금융마케팅 연구를 위한 시사점과 함께 6가지의 연구명제를 제안하였다.

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병원 간호사의 선호근무시간대에 관한 연구 (A Study on Hoslital Nurses' Preferred Duty Shift and Duty Hours)

  • 이경식;정금희
    • 대한간호
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    • 제36권1호
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    • pp.77-96
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    • 1997
  • The duty shifts of hospital nurses not only affect nurses' physical and mental health but also present various personnel management problems which often result in high turnover rates. In this context a study was carried out from October to November 1995 for a period of two months to find out the status of hospital nurses' duty shift patterns, and preferred duty hours and fixed duty shifts. The study population was 867 RNs working in five general hospitals located in Seoul and its vicinity. The questionnaire developed by the writer was used for data collection. The response rate was 85.9 percent or 745 returns. The SAS program was used for data analysis with the computation of frequencies, percentages and Chi square test. The findings of the study are as follows: 1. General characteristics of the study population: 56 percent of respondents was (25 years group and 76.5 percent were "single": the predominant proportion of respondents was junior nursing college graduates(92.2%) and have less than 5 years nursing experience in hospitals(65.5%). For their future working plan in nursing profession, nearly 50% responded as uncertain The reasons given for their career plan was predominantly 'personal growth and development' rather than financial reasons. 2. The interval for rotations of duty stations was found to be mostly irregular(56.4%) while others reported as weekly(16.1%), monthly(12.9%), and fixed terms(4.6%). 3. The main problems related to duty shifts particularly the evening and night duty nurses reported were "not enough time for the family, " "afraid of security problems after the work when returning home late at night." and "lack of leisure time". "problems in physical and physiological adjustment." "problems in family life." "lack of time for interactions with fellow nurses" etc. 4. The forty percent of respondents reported to have '1-2 times' of duty shift rotations while all others reported that '0 time'. '2-3 times'. 'more than 3 times' etc. which suggest the irregularity in duty shift rotations. 5. The majority(62.8%) of study population found to favor the rotating system of duty stations. The reasons for favoring the rotation system were: the opportunity for "learning new things and personal development." "better human relations are possible. "better understanding in various duty stations." "changes in monotonous routine job" etc. The proportion of those disfavor the rotating 'system was 34.7 percent. giving the reasons of"it impedes development of specialization." "poor job performances." "stress factors" etc. Furthermore. respondents made the following comments in relation to the rotation of duty stations: the nurses should be given the opportunity to participate in the. decision making process: personal interest and aptitudes should be considered: regular intervals for the rotations or it should be planned in advance. etc. 6. For the future career plan. the older. married group with longer nursing experiences appeared to think the nursing as their lifetime career more likely than the younger. single group with shorter nursing experiences ($x^2=61.19.{\;}p=.000;{\;}x^2=41.55.{\;}p=.000$). The reason given for their future career plan regardless of length of future service, was predominantly "personal growth and development" rather than financial reasons. For further analysis, the group those with the shorter career plan appeared to claim "financial reasons" for their future career more readily than the group who consider the nursing job as their lifetime career$(x^2$= 11.73, p=.003) did. This finding suggests the need for careful .considerations in personnel management of nursing administration particularly when dealing with the nurses' career development. The majority of respondents preferred the fixed day shift. However, further analysis of those preferred evening shift by age and civil status, "< 25 years group"(15.1%) and "single group"(13.2) were more likely to favor the fixed evening shift than > 25 years(6.4%) and married(4.8%)groups. This differences were statistically significant ($x^2=14.54, {\;}p=.000;{\;}x^2=8.75, {\;}p=.003$). 7. A great majority of respondents(86.9% or n=647) found to prefer the day shifts. When the four different types of duty shifts(Types A. B. C, D) were presented, 55.0 percent of total respondents preferred the A type or the existing one followed by D type(22.7%). B type(12.4%) and C type(8.2%). 8. When the condition of monetary incentives for the evening(20% of salary) and night shifts(40% of. salary) of the existing duty type was presented. again the day shift appeared to be the most preferred one although the rate was slightly lower(66.4% against 86.9%). In the case of evening shift, with the same incentive, the preference rates for evening and night shifts increased from 11.0 to 22.4 percent and from 0.5 to 3.0 percent respectively. When the age variable was controlled. < 25 yrs group showed higher rates(31.6%. 4.8%) than those of > 25 yrs group(15.5%. 1.3%) respectively preferring the evening and night shifts(p=.000). The civil status also seemed to operate on the preferences of the duty shifts as the single group showed lower rate(69.0%) for day duty against 83. 6% of the married group. and higher rates for evening and night duties(27.2%. 15.1%) respectively against those of the married group(3.8%. 1.8%) while a higher proportion of the married group(83. 6%) preferred the day duties than the single group(69.0%). These differences were found to be statistically all significant(p=.001). 9. The findings on preferences of three different types of fixed duty hours namely, B, C. and D(with additional monetary incentives) are as follows in order of preference: B type(12hrs a day, 3days a wk): day shift(64.1%), evening shift(26.1%). night shift(6.5%) C type(12hrs a day. 4days a wk) : evening shift(49.2%). day shift(32.8%), night shift(11.5%) D type(10hrs a day. 4days a wk): showed the similar trend as B type. The findings of higher preferences on the evening and night duties when the incentives are given. as shown above, suggest the need for the introductions of different patterns of duty hours and incentive measures in order to overcome the difficulties in rostering the nursing duties. However, the interpretation of the above data, particularly the C type, needs cautions as the total number of respondents is very small(n=61). It requires further in-depth study. In conclusion. it seemed to suggest that the patterns of nurses duty hours and shifts in the most hospitals in the country have neither been tried for different duty types nor been flexible. The stereotype rostering system of three shifts and insensitiveness for personal life aspect of nurses seemed to be prevailing. This study seems to support that irregular and frequent rotations of duty shifts may be contributing factors for most nurses' maladjustment problems in physical and mental health. personal and family life which eventually may result in high turnover rates. In order to overcome the increasing problems in personnel management of hospital nurses particularly in rostering of evening and night duty shifts, which may related to eventual high turnover rates, the findings of this study strongly suggest the need for an introduction of new rostering systems including fixed duties and appropriate incentive measures for evenings and nights which the most nurses want to avoid, In considering the nursing care of inpatients is the round-the clock business. the practice of the nursing duty shift system is inevitable. In this context, based on the findings of this study. the following are recommended: 1. The further in-depth studies on duty shifts and hours need to be undertaken for the development of appropriate and effective rostering systems for hospital nurses. 2. An introduction of appropriate incentive measures for evening and night duty shifts along with organizational considerations such as the trials for preferred duty time bands, duty hours, and fixed duty shifts should be considered if good quality of care for the patients be maintained for the round the clock. This may require an initiation of systematic research and development activities in the field of hospital nursing administration as a part of permanent system in the hospital. 3. Planned and regular intervals, orientation and training, and professional and personal growth should be considered for the rotation of different duty stations or units. 4. In considering the higher degree of preferences in the duty type of "10hours a day, 4days a week" shown in this study, it would be worthwhile to undertake the R&D type studies in large hospital settings.

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일부(一部) 중학생(中學生)의 성(性)에 대한 의식행태조사(意識行態調査) (A study on the Awareness and Behavior about Sex of Middle School Students -from middle school students in Taegu area-)

  • 김상옥;남철현
    • 한국학교보건학회지
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    • 제5권2호
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    • pp.42-65
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    • 1992
  • A survey was made of 976 students who were selected among students of 5 middle schools at Taegu so that it could furnish basic knowledge about sex education of adolescents by analyzing students recognition of sex, acquaintance with the opposite-sex, sex-education, The survery took a month from Nov. 1, to Nov 30, 1991. The results of this study are summarized as follows. 1. The general characteristics of the surveyed students. The survey consisted of 332 boys middle school student & 325 girls middle school students, 157 male & 162 female students of coeducational middle schools. 32.9% of them were from the first grade, 33.2% from the second grade & 33.9% from the third grade. 35.7% of them believed in Buddhism, 19% Christianism and the mode of their living standard, 86.7%, fell on 34.7% of their parents engaged in commerce and they were followed by salary man and public officals, 93.1 % of the students, parents were alive. 44.9% of their fathers were graduates of high school and 42.2% of their mothers middle school. 2. Sexual maturity 89.1 % of the surveyed girls had experienced menstruation. The mode of first menstruation, 48.2%, was at the age of 13 and the mean of it was 12.9, 3.7% the surveyed boys had exprienced a wet drem before. The mode of the first wet dream, 40.0%, was at the age of 14 and the mean was 13.4. 21.3% of surveyed students had the experience of masturbation but the number of girls fell far short of that boys. The mode of the first masturbation, 37.0%, was at the age of 14 and the mean was 13.4. 3. The acquaintance and sexual relations with the opposite sex 1) Analyzing the students actual conditions with the opposite, I found out that 52.3% of them wanted to have any kind of relations with the opposite and that 30.25 had already had some kind of relations. 73.2% of the students having relations with the opposite thought the other sex merely as a friend and the number of students who were thinking that way was distributed evenly among schools. 28.8% of the students had got acquainted with the other sex through their frieds and there were not much difference between boys and girls in the method of getting acquainated with the opposite. About 35.2% of the students having relations with the opposite came from the third grade. 47.8% of them answered that the meeting place was not fixed and 26.4% answered that they were meeting their parthers outdoors. 60.7% replyed that they were not disturbed in their studies by the relations with the other sex. 2) Most of the students 79.4%, answered that they had never had sexual relations and 16.3% of the rest said that thery were expressing their feelings by grasping each other's hand. 3) 16.6% of the surveyed students asid that they had the exprience of smoking, 1.1 % of an illusion caused by inhaling chemical addhesives, 44.0% of drinking and 41.4% of warching pornographic films. 4. The knowledge and attitude about the sex 1) The distribution and analysis according to schools and grades : 64.8% of the surveyed students answered correctly to the questions about mensturation, 49.3 % did so about wet dreams, 94.3 % did so about conception, 60.6% did so about child birth, 73.9% did so about AIDS and 50.1 % did so about sexual diseases. Roughly speaking, they had not much knowledge of sexual diseases. 2) The recognition of sex according to schools and grades : 39.0% of the students said that they had worries about sex. 33.1 % of what they worried was concerned with their bodies and 26.8% was about the acqaintance and relationship with the opposite sex. The girls were much more concerned about the former and the boys the latter. 51.1 % of the students asid that they had no specific opinion of masturbation but 19.2% said that's alright if self-restrained. About the sexual intercourse before marriage, 75.7% said negatively. 5. The need for sex education most of the students, 99.4% said they needed sex education and there was not much difference in that thought among schools. And 49.7% answered that schools, families, and societies were equlally important in sex education. About half of the students, exactly 50.2%. considered it as the main reason of sex education to prevent accidents cauesd by ignorance of sex. 81.4% said that they had had some kind of sex education. Most of the educations, 87.0%, had taken place at schools but 5.2% said they were getting most of the knowledge about sex from therir friednds, juniors and seniors. 59.5% of the students who had ever had a sex education said "Just so, so" when asked of the level of their contentment but the number of students who said "satisfied" was only a few, 16.1 %. 20.7% of the survered answered that thery wanted sex education to be made in the course of home life, and 26.6 % of the students most wanted to know about the acquaintance and relationship with the oppostie sex, 29.0% preferred nurse teachers as proper councellors of sex education. The mode of their present councellors, 42.0%, was friends but only 7.6% answered they dicussed with teachers. 6. The correlation analysis between general characteristcs and sexual behaviors of the surveyed students revealed that sex had a signigicant(P<0.001) positive correlation with parents' love toward students(P<0.01), the experience of masturbation, smoking, an illusion caused by inhaling chemical adhesives and the experience of watching pornographic films. And the standard of living had a significant(P<0.01) positive correlation(P<0.01) with grade point average, parents' existence(P<0.01) and parents' love, but a significant(P<0.01) negative correlation with sexual worries. grade point average had a significant(P<0.01)negative correlation with the experience of an illusion caused by chemical adhesives(P<0.01) and smoking. Parents' existence had significant(P<0.01) positive correlations with parents' love and smoking but a significant(P<0.01) negative correlation with the experience of an illusion by chemical adhesives. There was a significant(P<0.01) negative correlations between parents' love and the experience of an illusion by chemical adhesives, and a significant(P<0.001) positive correlation among masturbation and sexual worries, smoking, an illusion by chemical adhesives and the experience of watching pornographic films. There was a significant(P<0.001) positive correlation among acquaintance with the opposite sex, smoking, the experience of an illusion by chemical adhesives and watching pornographic films. Sexual worries had significant(P<0.01) positive correlations with smoking, the experience of an illusion by chemical adhesives and watching pornographic films. smoking had a significant positive correlation with drinking the experirence of, an illusion by chemical adhesives and watching pornographic films. Finally, there was a significant(P<0.01) positive correlation between the drinking experience and the illusion experience by chemical adhesives. According to the results mentioned above, the fact is certain that there is a great need for sex education of adolescents. Therefore, it is desirable that the schools teach sexual physiology and normal positively and that sex education including hygien education be an independant course in the curriculums. Furthermore, it is essential that the schools should have enough nurse teachers to take up sex education, expand training opportunities for them and that they develop educational materials. Considering the unbalance of the level of sex educations between boys and girls, I want to suggest that all boys and girls have sex education evenly and lead happy lives by correction irrational thought about sex, that is to say, sex discrimination, Sex education programs, especially of middle school students, should be reexamined if it is to give the students effective and profitable knowledge about sex. In addition, the government should establish a policy of adolescents' sex education to have healthy opinions of sex settled nationwide.

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신생아 중환자실에 입원한 환아 어머니의 스트레스 (A Study on the Perceived Stress of Mothers in Neonatal Intensive Care Unit)

  • 최성희
    • Child Health Nursing Research
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    • 제4권1호
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    • pp.60-75
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    • 1998
  • The parents have much expectation upon the pregnancy and child birth, and in most cases, they expect the healthy parturient child. However, we can be placed on the high-risk conditions which have the physical, social and immature infant, due to the unexpected results, among the new-born. Accordingly, these high-risk newborn and premature infants will be mostly in NICU, which the concentrated medical treatment can be given, upon their conditions. After their birth and during these periods, they will be divided from the parents, and the nurse will accomplish the bringing-up activities which they can take care of the infant, expected by the parents after their birth. The hospitalization of high-risk newborn including these premature infants is the shocking experience to the parents of family, and thus they can feel the fear and uneasiness, and these reactions of parents are troubled in the behavior at the usual days, and cause the disorder and spiritless status, and these results break the supporting ability of parents, and cause the obstruction. Also, the unavoidable division between the parents and the children as like hospitalization of children can make the parents to feel the alienation emotionally, and this causes the results which the pride on the bringing-up ability of baby gets to be lost. These problems can cause the difficulties on the bonding or the parenting in the further days, and can be related to the neglect and abuse of children. Also, it is gradually increased to study and report which the emotional division by the physical division between the mother and the baby obstructs the normal affection course between the parent and the infant. The stress caused by the birth and the hospitalization of high-risk newborn, as like this, is important in the points which it can uncertainly affect the potential energy for the relationship of parent-child who are finally healthy. Accordingly, the significance and purpose of this study are to understand the contents and degree of stress which the parents of high-risk newborn including the immature child can be experienced from the hospitalization of ICU for their new borns, and thus to offer the basic program to the nursing intervention program for these. The subject of this study is the mother of newborn in NICU of 10 General Hospitals located at the 3one of Pusan, Korea from September 1997 to October 1997, and thus makes the subject of 95 person of parents who agreed to take part in the study and it is descriptive study related to the stress of mother having the newborn in NICU. The method is based on the preceding study related to the stress of mother having the experience of child hospitalization and chronic disease child, and then acquires the advice of specialists group as like 5 nursing professors, and then is amended and supplemented. Total number of questions is 43 items and consists of 5 factors as like medical treatment &nursing procedures, disease status & prognosis, role of parents, communication & inter-personal relationships, hospital environment, and is 5 point Likert Scale. The reliability of this study method is very highly shown to be Cronbach α=0.95. The collected data is analysed as Average, Frequency, Standard Deviation, T-test, ANOVA, Pearson Correlation Coefficient, Duncan multifulrange test by use of SPSS /PC (V7.5). The results of this study is summarized as under. 1. Every characteristics of subject is which the party of mother is 28.70age(±7.48) in the average ages, 51% in the high-school graduate, 38.5% in the christianity, total monthly income is 212.55 thousand won(±1.971), 74.5% in the housewife, 72.9% in the parents and children together living and the number of children to be 1.48person(± 0.6) in average, the recognition on the prognosis of baby is 74.0% in 'Don't know', the relationship with the husband after the hospitalization of babyis 37.3% in 'More Intimate', the relationship with the family of husband to be 48% in 'No-change', and the degree which is consulted with the husband about the baby is 55% in 'very frequently' and the visiting number per week is 4.59(±1.63) in average and the accompanying person in the time of visiting is which the number of husband is 56.3% and thus is the highest. The characteristics of baby is which the age is 21.88days(±16.47) after the birth in average, the sex to be 50 person in the female 52.1% and the order of birth to be 54.2% in the first chid, and the weight in the birth to be 2770gm(±610) and the height in the birth to be 46.26cm(±7.62) in aver age. The medical diagnosis is 37.5% in the premature infant, the career of hospitalization is 96.9% in 'None', and the operation plan is 90.6% in 'None' and the execution of operation is 88% in 'None' and the nursing of incubator is 55.2% in 'Yes', and the method of feeding is 50.5% in 'Oral' and the contents of feeding is 46.9% in the 'Milk'. 2. The total stress degree of subject is almost highly shown to be as 3.36(±0.86). If it is compared upon each cause, 'stress on disease status & prognosis' is highest 3.79(±1.28), and it is in the order of 'stress on medical treatment & nursing procedures' 3.70(±0.93), 'stress on hospital environment' 3.14(±0.86), 'stress on role of parents' 3.18(±0.92) and 'stress on communication & inter personal relationship' 2.62(± 0.77) 3. As the results of checking the notworthiness of stress degree upon each variable of subject, the variable showing the noted difference was the birth weight(γ=-0.16, P=0.04), birth height(γ=-0.23, P=0.03), nursing in the incubator(F=8.93, P=0.04), feed method(F=2.94, P=0.04). That is to say, it is shown which the smaller the birth weight is, the higher the stress degree of mother is noteworthily. Also, the smaller the birth height baby is, the higher the stress of mother is. In the incubator, it os shown which the mother whose baby is nursing in the incubator is higher in the stress degree than other mothers. Upon the feeding method of baby, that is to say, TPNis the highest, and it is shown in the order of NPO, Tube feeding, and P.O. feeding. When we review the above-mentioned results, as the status is serious, it is thought which we include the supporting nursing for coping with the stress of parents in the setting-up od nursing plan for the baby in the NICU.

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산욕기 초산모의 간호요구와 만족도에 관한 연구 (A student on the Nursing Needs and Satisfaction of Primipara During the Early Postpartum Period)

  • 전영자
    • 여성건강간호학회지
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    • 제3권1호
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    • pp.5-27
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    • 1997
  • This study was carried out to identify the difference between nursing needs and levels of satisfaction of primiparae during the early postpartum period. The goal of the study was to obtain data needed to develope maternal education programs and to improve the nursing quality for primipara. The subjects were 111 primiparae who had normal delivery at 2 general hospitals in the Seoul area. The data was gathered using an 81 items questionnaire which was developed by the researcher from Nov. 30, 1995 to Feb. 5, 1996. Results found are as follows : 1. The characteristics of subjects : The majority of subjects were aged 26-30yrs(60.4%), high school graduated(49.5%), jobless(52.3%), had no religion(49.5%), no antenatal(74.5%), and postnatal education on self and infant care(55.9%). A large proportion of primiparae intended to feed breast milk(49.5%) but in fact only 7.2% fed breast milk while in the hospital. Many subjects perceived that they had reasonable self confidence about self care(46.8%), and infant care(36%). 2. The level of nursing needs of overall nursing care was relatively high(Mn 3.98) but the level of satisfaction was of average level(Mn 3.09). Therefore, difference between the level of nursing needs and satisfaction was significant(p=0.0001). 3. The nursing needs by category of nursing care the highest need was on the education of infant care(4.29), the lowest was on physical care(3.80). The level of satisfaction was higher on environmental care(3.40) and physical care(3.32). But the category that showed the lowest satisfaction was education of infant care(2.67). Hence, difference of categories between the level of nursing needs and satisfaction was significant(p=0.0001). 4. Among items of physical care, observation of primiparas' conditions(4.21), accurate medication and treatment(4.18), care of breast engorgement(4.07) and control of postpartal hemorrage(4.01) showed high nursing needs. On the other hand, only the level of satisfaction was higher on accurate medication and treatment(3.82). The rest of items revealed only average level of satisfactions. Difference of items between the level of nursing needs and satisfaction was significant(p=0.0001) except items of dietary care. 5. Among items of psychological care, 8 items of nursing needs were high(3.72-4.29), expecially detailed explanation on which mothers want to know(4.29), treatment and nursing care they receive(4.23), kind and faithful care(4.22), early contacts with their baby(4.20), and adequate draping during the care and treatment(4.18). Among items of psychological care higher satisfactions were shown on items of kind and faithful care(3.80), personal treatment(3.70), and detailed explanation to mothers, but the least satisfied items was early contact with baby(2.13). Difference between the level of nursing needs and satisfaction was significant(p=0.0001). 6. Among items of environmental care, the highest level of need and satisfaction was on the items of neat bedding and pajamas(3.54). The difference was significant (p=0.0001). 7. Among the items of educational needs on self care, all of 22 items revealed higher educational needs(3.50-4.33) but the levels of satisfaction varied with a range of 2.63-3.42. Among the items the satisfactions were high on items of breast care including massages(3.42), perineal care(3.36) and expression of breast milk(3.32). Less satisfied items were drugs not be taken by breast milk feeder(2.63), maintenance of breast figure(2.76) and postpartum exercise(2.80) and so on. The difference was significant(p=0.0001). maintain 8. Among the items of educational needs on infant care, 19 items revealed higher educational needs(3.28-4.54). And the highest need were on the 3 items of normal growth and development of infant, safety and emergency care, symptoms of sick(4.45) and the meaning of crying of the baby(4.52). The level of satisfaction among items of education of infant care ranged from 2.47 to 3.16. Most satisfied items were buriping(3.16), bathing(3.11) and diapering(3.09). The items of which the mother's needs were high revealed the lowest satisfaction level. The difference was significant (p=0.0001). 9. Relationship between nursing needs and levels of satisfaction among primiparae of different characteristics were as follows : 1) Nursing needs of physical and psychological areas were significantly different among different age levels but no relationship was found on other categories regardless of the level of satisfaction. 2) With regard to different levels of education, some relationship was found in nursing needs of psychological area(p=0.007), educational needs on infant care(p=0.04) and environmental care(p=0.01). Also, the difference of satisfaction level was significant. 3) Working mothers had higher nursing needs and were more satisfied on items of physical care(p=0.05), education on self care and infant care. Difference were significant between nursing needs and level of satisfaction. 4) With regards to different religion a moderate relation was found between nursing needs of environmental care infant care education but no relationship was found on levels of satisfaction. 5) With regards to antenatal education, the mothers who have had no antenatal education revealed higher nursing needs on physical care but those who had antenatal education were more satisfied with education on self care and infant care. The difference was significant. (p=0.0001). 6) With regards to postpartum education, the mothers who have had some sort of postpartum education revealed higher nursing needs on physical and self care. And they were more satisfied with nursing of every category except infant care than mothers who had not any postpartum education. Differences was significant between the nursing needs and levels of satisfaction.(p=0.0001). 7) With regards to breast feeding experience during the hospitalization, those who had no experience of breast feeding revealed higher nursing needs on physical care in contrast to breast feeders, who had higher educational needs on infant care. And breast feeder were more satisfied with all categories. Differences was significant(p=0.0001). 8) With regards to perception of self confidence on self care and infant care, no relationship was found on nursing needs and level of satisfaction in every category of nursing.

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물리치료과 학생들의 임상실습에 대한 태도조사 (A Survey on Attitude Related to Physical Therapy Students's Clinical Practice)

  • 이승주;박윤기
    • The Journal of Korean Physical Therapy
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    • 제5권1호
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    • pp.25-37
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    • 1993
  • 물리치료과 학생들의 임상실습에 대한 태도를 조사하기 위해 1993년 1월 11일부터 3월 22일까지 10주 동안 대구보건전문대학 물리치료과 3학년 66명과 안동전문대학 3학년 35명의 총 101명을 대상으로 분석하였으며 그 내용은 다음과 같다. A. 각 영역별 빈도수 1. 임상실습에 대한 선입견 및 불안감 중 '지식부족'이 $83.2\%$로 가장 높았다. 2. 임상실습에 대한 기대감 중 '환자를 직접 대할 수 있는 기회'가 $94.1\%$로 가장 높았다. 3. 임상실습 경험 후 불안감 중 '지식부족'이 $82.2\%$로 가장 높았다. 4. 임상실습 경험 후 만족감 중 '졸업후 물리치료사 생활유지'가 $71.3\%$로 가장 높았다. 8. 각 영역별 변수와 일반적 특성과의 관련성이 유의하게 나온 변수 1. 성별과 임상실습 경험 후 실습에 대한 불안감 중 '지식부족'은 여학생의 $86.7\%$가 남학생의 $61.1\%$보다 높았다(P<0.01). 2. 종교유무와 임상실습에 대한 기대감 중 '인류에의 실천기회'는 종교를 가진 학생의 $65.1\%$가 종교를 가지지 않은 학생의 $44.8\%$보다 높았다(P<0.05). 3. 종교유무와 임상실습 경험 후 실습에 대한 불안감중 '환자와 대화미숙'은 종교를 가진 학생의 $65.1\%$가 그렇지 않다고 응답하여 종교를 가지지 않은 학생의 $56.9\%$보다 높게 나와 종교를 가지지 않은 학생의 불안감이 놓았다(P<0.05). 4. 종교유무와 임상실습 경험 후 실습에 대한 만족감 중 '전공선택의 궁지'는 종교인 학생의 $81.4\%$가 비종교인 학생의 $68.3\%$보다 높았다(P<0.01). 5. 가족중 입원치료 경험유무와 임상실습에 대한 기대감 중 '이론지식의 활용기회'는 유경험 학생의 $79.7\%$는 무경험 학생의 $62.2\%$ 보다 높았다(P<0.05). 6. 본인의 입원치료 경험유무와 임상실습 경험 후 실습에 대한 만족감 증 '불안감의 해소'는 유경험 학생의 $68.4\%$가 무경험 학생의 $45.1\%$보다 높았다(P<0.05). 7. 물리치료과 선택등기와 임상실습에 대한 기대감 중 '치료참여의 기쁨'은 자의로 선택한 학생의 성적 $80.5\%$는 타의로 선택한 학생의 $66.7\%$ 보다 높았다(P<0.01). 8. 물리치료과 선택동기별 임상실습 경험 후 실습에 대한 불안감 중 '졸업 후 물리치료사로 직장생활을 하고 싶지 않다'에서 그렇지 않다고 응답한 자의의 학생이 $74.0\%$ 타의의 학생 $58.3\%$보다 높았다(P<0.05). 9. 물리치료과 선택동기별 임상실습 경험 후 실습에 대한 만족감 중 '물리치료학을 전공하는데에 대한 후회가 된다'에서 그렇지 않다고 응답한 경우 자의로 선택한 학생의 $75.3\%$가 타의로 선택한 학생의 $58.3\%$보다 높았다(P<0.05). 이상의 본 조사성적 결과에 의하면 실습 후 불안감은 여학생이 남학생보다 높고, 물리치료과를 타의로 선택한 학생이 자의로 선택한 학생보다 만족감이 낮고 불안감이 높아 이를 고려한 실습교육계획과 실시가 뒤따라야 할 것으로 생각된다.

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북미지역주민(北美地域住民)의 사상체질(四象體質) 분포(分布)에 관(關)한 연구(硏究) (A Study on the Sasang Constitutional Distribution Among the People in the United States of America)

  • 고병희;김선호;박병관
    • 사상체질의학회지
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    • 제11권2호
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    • pp.119-150
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    • 1999
  • 동(東) 서양의학(西洋醫學)이 여러 방면(方面)으로 눈부시게 발전(發展)해 왔음에도 불구(不拘)하고 동일질병(同一疾病)에 대한 약(藥) 효과(效果)의 개인별(個人別) 차이(差異)나 질병(疾病)에 대한 개인별(個人別) 감수성(感受性)의 차이(差異)에 따른 여러 가지 면역관계(免疫關係) 질환(疾患)의 다양성(多樣性)이나 난치병(難治病)의 다양(多樣)한 예후(豫後) 등(等)의 이유(理由)를 정확(正確)히 이해(理解)하지 못하고 따라서 적절(適切)한 대처(對處)를 하지 못하고 있는 것이 현실(現實)이다. 그런데 사상의학(四象醫學)의 네 체질(體質)에 따른 질병(疾病) 관리(管理), 치료(治療) 및 예방법(豫防法)은 현대(現代)의 난치병(難治病)이라고 할 수 있는 성인병(成人病), 면역계(免疫係) 질환(疾患), 스트레스성(性) 질환(疾患)의 관리(管理)에 효과적(效果的)으로 적용(適用)할 수 있으므로 현재(現在) 한방임상의학(韓方臨床醫學)에서 많이 응용(應用)되고 있다. 이러한 사상의학(四象醫學)을 세계(世界)에 폭넓게 적용하기 위해서는 국제적(國際的)으로 응용(應用)할 수 있는 체질진단(體質診斷)의 기준(基準)이 마련되어야 한다. 우선(于先) 본(本) 연구(硏究)는 외국인(外國人)에게도 과연(果然) 체질(體質)이 존재(存在)할까 하는 의문점(疑問点)을 해결(解決)하기 위(爲)하여 미국인(美國人)을 대상(對象)으로 체질(體質) 분류(分類)를 시도하여 체질(體質) 존재(存在) 여부(與否)를 확인(確認)하는 작업(作業)부터 시작(始作)하였다. 또 체질(體質)이 존재(存在)한다면 체질(體質) 진단(診斷) 도구(道具)로는 어떤 것이 좋을까를 알아보기 위(爲)한 연구(硏究)를 병행(竝行)하였다. 선택(選擇)된 체질(體質) 진단(診斷) 도구(道具)로는 경희대학교(慶熙大學校) 사상의학(四象醫學) 교실(敎室)에서 개발(開發)되어 학회(學會)에서 공인후(公認後) 임상(臨床)에서 널리 사용(使用)되는 체질(體質) 진단(診斷) 도구(道具)인 QSCCII를 바탕으로 이를 영문(英文)으로 번역(飜譯)하고 채점(採點) 방법(方法)을 보완(補完)하여 새롭게 제작(製作)된 new QSCCII + 사용(使用)하였다. 본(本) 연구(硏究)는 국내(國內)에서 표준화(標準化)되어 사용(使用)하고 있는 체질진단진단도구(體質診斷診斷道具)인 QSCCII를 보완하여 미국(美國)에서 응용(應用)할 수 있는 새로운 진단(診斷) 도구(道具)를 마련하고자 처음으로 시도(試圖)된 연구(硏究)이다. 조사(調査) 대상(對象)은 University of Bridgeport. Connecticut. U.S.A의 학생(學生), 교직원(敎職員)그리고 Health Science Center의 Clinic을 방문(訪問)한 사람중(中) 본(本) 조사(調査)에 협력(協力)한 사람이 주(主)로 그 대상(對象)이 되었으며 기타(其他) 주변(周邊)의 현지인(現地人)들이 대상(對象)이 되었다. 년(年) 조사대상인원(調査對象人員) 344명(名)이었고 전체(全體) 조사(調査) 대상(對象)에서 재검사(再檢査)를 할 수 있었던 인원(人員)은 240명(名)이었다. 연구기간(硏究期間)은 1998년(年) 9월(月)부터 1999년(年) 8월(月)까지 약(約) 1년(年) 여(餘)에 걸쳐 실시(實施)되었다. 이러한 연구결과(硏究結果)를 고찰(考察)해 볼 때 아래와 같은 결론(結論)을 얻었다. 1. 미국(美國) 사람에게도 사상체질(四象體質)은 존재(存在)한다. 추론(推論)컨데 미국(美國)에는 다양(多樣)한 인종(人種)이 섞여 살고 있으므로 외국인(外國人) 모두에게 역시(亦是) 체질(體質)이 존재(存在)한다고 볼 수 있다. 2. 미국인(美國人)에게 특(特)히 백인(白人)에게선 소양인(少陽人)으로 진단(診斷)되는 경향(傾向)이 높았다. 이 결과(結果)는 미국(美國)사람에게도 사상체질(四象體質)은 존재(存在)한다는 가설(假說)과 다소(多少) 부합(附合)된다 사료(思料)된다. 3. 검사재검사(檢査再檢査)를 통하여 분석(分析)된 결과(結果)를 볼 때 그 결과(結果)가 일관(一貫)되게 나오는 것으로 보아 new QSCCII +가 외국인(外國人)의 체질(體質)을 진단(診斷)할 때 일관(一貫)된 결과(結果)를 얻을 수 있는 진단방법(診斷方法)일 가능성(可能性)을 시사(示唆)한다. 4. 표준(標準) 집단(集團)의 체질(體質) 분류(分類)에서는 인종(人種)에 관계(關係)없이 체질(體質)이 존재(存在)하고 있었다. 5. 반응(反應) 빈도(頻度)가 낮은 문항(問項)은 미국인(美國人)을 위(爲)한 표준화(標準化) 연구(硏究)를 할 때 미국인(美國人)에게 이해(理解)가 될 수 있는 또다른 표현(表現)으로 바꾸어 적용(適用)해 볼 필요(必要)가 있을 것으로 추정(推定)된다. 6. 미국인(美國人)의 체질(體質)을 정확(正確)하게 하기 위(爲)해서는 표준화(標準化) 작업(作業)을 함으로써 QSCCII라는 진단도구(診斷道具)를 이용(利用)하여 측정(測定) 진단(診斷) 데이터를 평가(評價)할 수 있는 진단(診斷) 기준(基準)이 만들어져야 한다. 7. 체질(體質)이 불투명(不透明)하다고 나온 71명(名) 중(中)에는 잠재적(潛在的) 태양인체질(太陽人體質)이 포함(包含)되어 있을 것으로 추정(推程)되나 태양인(太陽人)의 희소성(稀少性)에서 기인(起因)하는 new QSCCII+의 변별력저하(辨別力低下)에 대한 해결방안(解決方案)에 대(對)한 연구(硏究)가 추후(追後)에 진행(進行)되어야 할 것으로 사료(思料)된다. 8. 연구결과(硏究結果) 북미지역(北美地域)의 체질분포(體質分布)는 다음과 같다. 연인원(年人員)을 대상(對象)으로한 분포(分布)에서는 소양인(少陽人) 36.25 %(87명), 태음인(太陰人) 13.75 %(33명(名)), 소음인(少陰人) 20.41%(49 명(名)), 분류(分類)가 안되거나 태양인(太陽人)인 경우(境遇)가 29.58%(71 명(名))이었다.

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병원 간호행정 개선을 위한 연구 (A Study for Improvement of Nursing Service Administration)

  • 박정호
    • 대한간호학회지
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    • 제3권1호
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    • pp.13-40
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    • 1972
  • Much has teed changed in the field of hospital administration in the It wake of the rapid development of sciences, techniques ana systematic hospital management. However, we still have a long way to go in organization, in the quality of hospital employees and hospital equipment and facilities, and in financial support in order to achieve proper hospital management. The above factors greatly effect the ability of hospitals to fulfill their obligation in patient care and nursing services. The purpose of this study is to determine the optimal methods of standardization and quality nursing so as to improve present nursing services through investigations and analyses of various problems concerning nursing administration. This study has been undertaken during the six month period from October 1971 to March 1972. The 41 comprehensive hospitals have been selected iron amongst the 139 in the whole country. These have been categorized according-to the specific purposes of their establishment, such as 7 university hospitals, 18 national or public hospitals, 12 religious hospitals and 4 enterprise ones. The following conclusions have been acquired thus far from information obtained through interviews with nursing directors who are in charge of the nursing administration in each hospital, and further investigations concerning the purposes of establishment, the organization, personnel arrangements, working conditions, practices of service, and budgets of the nursing service department. 1. The nursing administration along with its activities in this country has been uncritical1y adopted from that of the developed countries. It is necessary for us to re-establish a new medical and nursing system which is adequate for our social environments through continuous study and research. 2. The survey shows that the 7 university hospitals were chiefly concerned with education, medical care and research; the 18 national or public hospitals with medical care, public health and charity work; the 2 religious hospitals with medical care, charity and missionary works; and the 4 enterprise hospitals with public health, medical care and charity works. In general, the main purposes of the hospitals were those of charity organizations in the pursuit of medical care, education and public benefits. 3. The survey shows that in general hospital facilities rate 64 per cent and medical care 60 per-cent against a 100 per cent optimum basis in accordance with the medical treatment law and approved criteria for training hospitals. In these respects, university hospitals have achieved the highest standards, followed by religious ones, enterprise ones, and national or public ones in that order. 4. The ages of nursing directors range from 30 to 50. The level of education achieved by most of the directors is that of graduation from a nursing technical high school and a three year nursing junior college; a very few have graduated from college or have taken graduate courses. 5. As for the career tenure of nurses in the hospitals: one-third of the nurses, or 38 per cent, have worked less than one year; those in the category of one year to two represent 24 pet cent. This means that a total of 62 per cent of the career nurses have been practicing their profession for less than two years. Career nurses with over 5 years experience number only 16 per cent: therefore the efficiency of nursing services has been rated very low. 6. As for the standard of education of the nurses: 62 per cent of them have taken a three year course of nursing in junior colleges, and 22 per cent in nursing technical high schools. College graduate nurses come up to only 15 per cent; and those with graduate course only 0.4 per cent. This indicates that most of the nurses are front nursing technical high schools and three year nursing junior colleges. Accordingly, it is advisable that nursing services be divided according to their functions, such as professional, technical nurses and nurse's aides. 7. The survey also shows that the purpose of nursing service administration in the hospitals has been regulated in writing in 74 per cent of the hospitals and not regulated in writing in 26 per cent of the hospitals. The general purposes of nursing are as follows: patient care, assistance in medical care and education. The main purpose of these nursing services is to establish proper operational and personnel management which focus on in-service education. 8. The nursing service departments belong to the medical departments in almost 60 per cent of the hospitals. Even though the nursing service department is formally separated, about 24 per cent of the hospitals regard it as a functional unit in the medical department. Only 5 per cent of the hospitals keep the department as a separate one. To the contrary, approximately 12 per cent of the hospitals have not established a nursing service department at all but surbodinate it to the other department. In this respect, it is required that a new hospital organization be made to acknowledge the independent function of the nursing department. In 76 per cent of the hospitals they have advisory committees under the nursing department, such as a dormitory self·regulating committee, an in-service education committee and a nursing procedure and policy committee. 9. Personnel arrangement and working conditions of nurses 1) The ratio of nurses to patients is as follows: In university hospitals, 1 to 2.9 for hospitalized patients and 1 to 4.0 for out-patients; in religious hospitals, 1 to 2.3 for hospitalized patients and 1 to 5.4 for out-patients. Grouped together this indicates that one nurse covers 2.2 hospitalized patients and 4.3 out-patients on a daily basis. The current medical treatment law stipulates that one nurse should care for 2.5 hospitalized patients or 30.0 out-patients. Therefore the statistics indicate that nursing services are being peformed with an insufficient number of nurses to cover out-patients. The current law concerns the minimum number of nurses and disregards the required number of nurses for operation rooms, recovery rooms, delivery rooms, new-born baby rooms, central supply rooms and emergency rooms. Accordingly, tile medical treatment law has been requested to be amended. 2) The ratio of doctors to nurses: In university hospitals, the ratio is 1 to 1.1; in national of public hospitals, 1 to 0.8; in religious hospitals 1 to 0.5; and in private hospitals 1 to 0.7. The average ratio is 1 to 0.8; generally the ideal ratio is 3 to 1. Since the number of doctors working in hospitals has been recently increasing, the nursing services have consequently teen overloaded, sacrificing the services to the patients. 3) The ratio of nurses to clerical staff is 1 to 0.4. However, the ideal ratio is 5 to 1, that is, 1 to 0.2. This means that clerical personnel far outnumber the nursing staff. 4) The ratio of nurses to nurse's-aides; The average 2.5 to 1 indicates that most of the nursing service are delegated to nurse's-aides owing to the shortage of registered nurses. This is the main cause of the deterioration in the quality of nursing services. It is a real problem in the guest for better nursing services that certain hospitals employ a disproportionate number of nurse's-aides in order to meet financial requirements. 5) As for the working conditions, most of hospitals employ a three-shift day with 8 hours of duty each. However, certain hospitals still use two shifts a day. 6) As for the working environment, most of the hospitals lack welfare and hygienic facilities. 7) The salary basis is the highest in the private university hospitals, with enterprise hospitals next and religious hospitals and national or public ones lowest. 8) Method of employment is made through paper screening, and further that the appointment of nurses is conditional upon the favorable opinion of the nursing directors. 9) The unemployment ratio for one year in 1971 averaged 29 per cent. The reasons for unemployment indicate that the highest is because of marriage up to 40 per cent, and next is because of overseas employment. This high unemployment ratio further causes the deterioration of efficiency in nursing services and supplementary activities. The hospital authorities concerned should take this matter into a jeep consideration in order to reduce unemployment. 10) The importance of in-service education is well recognized and established. 1% has been noted that on the-job nurses. training has been most active, with nursing directors taking charge of the orientation programs of newly employed nurses. However, it is most necessary that a comprehensive study be made of instructors, contents and methods of education with a separate section for in-service education. 10. Nursing services'activities 1) Division of services and job descriptions are urgently required. 81 per rent of the hospitals keep written regulations of services in accordance with nursing service manuals. 19 per cent of the hospitals do not keep written regulations. Most of hospitals delegate to the nursing directors or certain supervisors the power of stipulating service regulations. In 21 per cent of the total hospitals they have policy committees, standardization committees and advisory committees to proceed with the stipulation of regulations. 2) Approximately 81 per cent of the hospitals have service channels in which directors, supervisors, head nurses and staff nurses perform their appropriate services according to the service plans and make up the service reports. In approximately 19 per cent of the hospitals the staff perform their nursing services without utilizing the above channels. 3) In the performance of nursing services, a ward manual is considered the most important one to be utilized in about 32 percent of hospitals. 25 per cent of hospitals indicate they use a kardex; 17 per cent use ward-rounding, and others take advantage of work sheets or coordination with other departments through conferences. 4) In about 78 per cent of hospitals they have records which indicate the status of personnel, and in 22 per cent they have not. 5) It has been advised that morale among nurses may be increased, ensuring more efficient services, by their being able to exchange opinions and views with each other. 6) The satisfactory performance of nursing services rely on the following factors to the degree indicated: approximately 32 per cent to the systematic nursing activities and services; 27 per cent to the head nurses ability for nursing diagnosis; 22 per cent to an effective supervisory system; 16 per cent to the hospital facilities and proper supply, and 3 per cent to effective in·service education. This means that nurses, supervisors, head nurses and directors play the most important roles in the performance of nursing services. 11. About 87 per cent of the hospitals do not have separate budgets for their nursing departments, and only 13 per cent of the hospitals have separate budgets. It is recommended that the planning and execution of the nursing administration be delegated to the pertinent administrators in order to bring about improved proved performances and activities in nursing services.

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젊은 성인 흡연자에게 흡연이 운동능에 미치는 즉시효과 (Immediate effects of cigarette smoking on exercise in young adult smokers)

  • 박인원;고형기;강윤정;최재선;유지훈;신종욱;임성용;최병휘;서승천;나문준;허성호
    • Tuberculosis and Respiratory Diseases
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    • 제44권1호
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    • pp.154-161
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    • 1997
  • 배경 : 장기적인 흡연에 의한 영향은 잘 알려져 있으나 흡연 후 운동시 심폐기능에 미치는 효과에 대해서는 아직 많은 연구가 없다. 따라서 운동시 흡연이 심폐기능에 미치는 즉시 효과를 보기 위하여 본 연구를 시행하였다. 방법 : 심폐질환이 없는 건강한 성인 흡연남자 21명을 대상으로 하였으며 운동부하검사 전에 폐기능검사 등 기본검사를 시행하였다. 검사 첫날에는 흡연을 하지않고 산소만을 흡입한 뒤 운동부하 검사를 시행하였고 다음날에는 2시간에 걸쳐 10개를 피운 뒤 운동부하검사를 하여 양군간에 운동검사 지표를 비교분석하였다. 결과 : 1. 대상군의 기저 폐기능 검사상 모두 정상이었으며 운동 전후 양군 간에 유의한 차이는 없었다. 2 최대 운동 부하 검사 후 최대산소섭취량은 $2.479{\pm}0.338$ L/min 에서 $2.289{\pm}0.344$ L/min로 유의하게 감소하였으며 무산소 역치는 통계학적 유의성은 없었으나 $1.391{\pm}0.297$ L/min에서 $1.363{\pm}0.302$ L/min으로 감소하는 경향을 보였다. 3. 호흡예비력과 최대운동부하시 MVmax는 통계적 유의성은 없으나 최대운동 부하후 증가하는 경향을 나타냈으며 $V_D/V_R$, $V_EV_{CO2}$, 및 호흡수는 운동 전후 양군 간에 유의한 차이가 없었다. 4. $O_2$ pulse는 $14.76{\pm}2.46$ ml/min/beat에서 $13.25{\pm}2.03$ ml/min/beat로 유의하게 감소하였다 HRmax는 $170.4{\pm}10.9$ beats/min에서 $172.4{\pm}12.9$ beats/min로 통계적 유의성은 없으나 증가하는 경향을 보였으며 심박수예비력은 운동 전후에 양군 간에 유의한 차이가 없었다. 결론 : 흡연은 운동능에 즉시효과를 나타내며 이는 폐환기능보다는 체내 혈중 HbCO치의 상승 혹은 운동에 따른 혈류 장애에 의한 심장기능의 영향에 기인하는 것으로 사료된다.

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대학생의 경제이해력 측정 -대구 D대학을 중심으로- (Measure of economic literacy of college students -Focused on D college in Daegu city-)

  • 이상경;박수용
    • 한국정보컨버전스학회논문지
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    • 제5권2호
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    • pp.3-24
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    • 2012
  • 본 연구는 대구광역시에 소재하고 있는 D대학 대학생 494명을 대상으로 경제이해력을 측정하고 측정된 결과를 통해서, 일반 사회적 특성, 금융경험, 경제생활 경험, 경제교육 경험 등이 경제이해력에 어떠한 영향을 미치는지 알아보고자 했다. 일반사회학적 특성에 따른 경제이해력을 먼저 살펴보면, 성별로는 여학생이 평균 48.33, 남학생의 평균이 46.76으로 대체로 낮게 나타났다. 대학생의 전공계열별로는 간호계열 대학생의 경제이해력 평균이 58.67로 가장 높게 나타났으며, 인문 사회계열평균 53.56, 다음으로 공학계열 49.00, 보건계열 45.78, 예 체능계열 평균 39.64로 경제이해력 평균이 가장 낮게 나타났다. 부의 학력에 따른 대학생의 경제이해력 평균에 차이가 나타났다. 부의 학력이 중학교졸업 이하인 대학생의 이해력 평균이 50.11로 가장 높게 나타났으며, 다음으로 고등학교 졸업 학력을 둔 대학생의 이해력 평균은 49.57로 나타났으며, 대학원 졸업 학력을 둔 대학생의 이해력 평균이 35.13으로 가장 낮게 나타났다. 모의 학력에 있어서도 고등학교 졸업 학력을 둔 대학생의 이해력이 49.35로 가장 높게 나타났으며, 대학원 졸업 학력을 가진 대학생의 이해력 평균이 40.00으로 가장 낮게 나타났다. 다음으로 금융 경험적 특성에 따른 이해력에서는 통장을 개설한 경험이 있는 대학생의 평균이해력은 48.47로 나타났으며, 개설한 경험이 없는 대학생의 이해력 평균은 30.20으로 낮게 나타났다. 경제생활 변수에 따른 이해력을 살펴보면 용돈의 수령형태에 있어서 용돈을 거의 받지 않는 대학생의 이해력 평균이 50.88로 가장 높게 나타났으며, 필요할 때 마다 수령하는 대학생의 이해력 평균은 44.23으로 가장 낮게 나타났다. 경제 교육적 변수에 따른 이해력을 살펴보면 경제 교육을 받았는가의 질문에 교육을 받은 적이 있다라고 답한 대학생의 평균이 50.09로 나타났고, 경제교육을 받은 적이 없다라고 답한 대학생의 평균은 45.23으로 나타났다. 경제교육이 필요하다라고 답한 대학생의 이해력 평균은 50.24로 나타났고, 경제교육이 필요치 않다라고 답한 대학생의 이해력 평균은 44.29로 나타났다.

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