• Title/Summary/Keyword: Individual Risk Model

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불확실성하에서의 국가간의 통화정책 조정

  • Kim, Hun-Yong
    • The Korean Journal of Financial Studies
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    • v.2 no.1
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    • pp.159-187
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    • 1995
  • A two-country overlapping generations model with fiat monies is used to study international coordination of monetary policies under the flexible exchange rate system. The optimal monetary policy and the welfare of individual countries are investigated for: coordination and non-coordination cases. It is shown that the coordination is Pareto superior to the non-coordination. The countries choose more inflationary policies in the non-coordination case; the world output decreases, which depends on the degree of risk aversion.

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Health Risk Assessment due to 137Cs Released into Ocean from the Severe Accident of the Fukushima Dai-ichi Nuclear Power Plants (후쿠시마 사고로 해양으로 누출된 137Cs에 의한 인체 위해도 평가)

  • Min, Byung Il;Lee, Baek Gun;Suh, Kyung Suk;Park, Kihyun
    • Journal of Radiation Industry
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    • v.8 no.2
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    • pp.123-132
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    • 2014
  • After the nuclear accident of the Fukushima Dai-ichi Nuclear Power Plants (FDNPPs) on 11 March 2011, a large amount of radioactive materials has been released into the atmosphere and the ocean. A compartment model is used to evaluate the circulation characteristics and the spatiotemporal concentration distributions of radionuclides in the ocean. In the comparison with observed concentrations of $^{137}Cs$ in seawater, calculated concentrations by the compartment model were well agreed with them. On the basis of these results, we performed evaluation of the effective dose and the cancer risk. In the early stage of the accident, the effective doses from ingestion of the seafood near the Fukushima region were much higher than 1 mSv which is the value of the annual effective dose limit to individual recommended by the International Commission on Radiological Protection (ICRP). However, the effective doses by ingestion of the seafood decreased below 1 mSv as distance from the FDNPPs increased and time passed. In addition, it was estimated that the cancer risks by intake of the contaminated marine products were less than natural occurrence probability of cancer. Consequently, it was inferred that the health risk due to the $^{137}Cs$ was low after since mid-term period of the accident.

Factors Influencing Depression in low-income Elderly living at home based on ICF model (ICF 모델에 근거한 저소득 재가노인의 우울에 영향을 미치는 요인에 대한 연구)

  • Han, Suk Jung;Kim, Hyo Sun
    • Journal of Korean Public Health Nursing
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    • v.28 no.2
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    • pp.333-346
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    • 2014
  • Purpose: This study was conducted in order to identify factors that influence depression for low-income elderly who live at home from the International Classification of Functioning model (ICF). Methods: The subjects were 205 elderly people living at home in two public health centers located in metropolitan cities. Subjects were divided according to their depression scores, which were measured using the GDS-short form, including normal, risk, and depression groups. Each variable was consistent with factors of the ICF model, including health condition, individual factors, environmental factors, body function, activities, and participation. Data were collected using structured questionnaires. ANOVA, $x^2$, Pearson's correlation coefficient, and Multinomial logistic regression with IBM SPSS 21.0 were used for analysis of the data. Results: Statistically significant differences were observed among normal, risk, and depression groups regarding personal factors. Gender, education level, numbers of diseases, perceived health, life satisfaction, and social support were identified as the variables that had a significant impact on depression of low-income elderly living at home. Conclusion: Results of this study indicate that there is a need for construction and implementation of strategies that strengthen life satisfaction and social support in order to lower depression of low-income elderly.

Intension to Use Mobile Banking: An Integration of Theory of Planned Behaviour (TPB) and Technology Acceptance Model (TAM)

  • Amrutha Sasidharan;Santhi Venkatakrishnan
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.18 no.4
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    • pp.1059-1074
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    • 2024
  • The paper is an attempt to study the individual's intention to use mobile banking. In light of the results obtained from the study, the proposed model offers a better fit with the data and explains the intention of individuals to use mobile banking services. Government support, trust, and compatibility significantly contribute to the Perceived behavioral control of a bank customer to use mobile banking while Perceived ease of use, Perceived usefulness, Security and privacy, and risk have a significant positive impact on the attitude of the individuals to utilize mobile banking service. The study uses primary data and the final instrument was administered to 950 respondents, across the country of which 904 data were used for the analysis after editing to accommodate the missing values. The study has adopted structural equation modeling approach to analyze the relationships between the variables in the study. The proposed framework in this study can be utilized to identify the factors that promote the adoption of mobile banking practices and the study also has the potential to provide updated and comprehensive literature on mobile banking, which can accelerate future research in this field.

Factors Influencing Individual's Intention to Provide MyData: Focusing on the Moderating Effects of Individual Capabilities and Institutional Type (개인의 마이데이터 제공의도에 영향을 미치는 요인: 개인역량과 기관유형의 조절효과를 중심으로)

  • Dong Keun Park;Sung-Byung Yang;Sang-Hyeak Yoon
    • Knowledge Management Research
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    • v.24 no.1
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    • pp.73-97
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    • 2023
  • Recently, the MyData market has been growing as the importance of data and issues related to personal information protection have drawn much attention together. MyData refers to the concept of guaranteeing an individual's right to personal information and providing and utilizing one's data according to individual consent. MyData service providers can combine and analyze customer information to provide personalized services. In the early days, the MyData business was activated mainly by private companies and the financial industry, but recently, public institutions are also actively taking advantage of MyData. Meanwhile, the importance of an individual's intention to provide MyData for the success of MyData businesses continues to increase, but research related to this is lacking. Moreover, existing studies have been mainly conducted on individual benefits of MyData; there are not enough studies in which both public benefit and perceived risk factors are considered at the same time. In this regard, this study intends to derive factors affecting the intention to provide MyData based on the privacy calculus model, examine their influencing mechanism, and further verify the moderating effects of individual capabilities and institutional type. This study can find academic significance in that it expanded and demonstrated the privacy calculus model in the context of MyData providing intention. In addition, the results of this study are expected to offer practical guidelines for developing and managing new services in MyData businesses.

The Effect of Individual Risk Appraisal and Ability to Control on Information Privacy Concerns in Online Social Network (온라인 소셜네트워크에서 개인의 위험성평가와 자기통제력이 정보보안우려감에 미치는 영향)

  • Moon, Yun Ji
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.18 no.5
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    • pp.294-301
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    • 2017
  • Recently, online social networks have become one of the most representative Internet services and are being used increasingly, which allows people to share information and interact with other people. On the other hand, as the use of OSN is increased, there has been an increased incidence where illegally accessed personal information is used wrongfully. Accordingly, privacy has become a key concern by the users. Regarding the construct of information privacy concerns (IPC), this study explored the antecedents of IPC at the individual personal level - risk appraisal and perceived behavioral control - based on Protection Motivation Theory. Hence, the current paper investigated the moderating effect of gender in the relationship between individual characteristics and IPC. The hypothesized research model was examined with 233 questionnaires of OSN users. The results showed that the positive effects of risk appraisal and the negative effects of perceived behavioral control on IPC are supported. In addition, the moderate effects of gender between risk appraisal and IPC is only supported.

Designing a Supply Chain Coordinating Returns Policies for a Risk Sensitive Manufacturer

  • Lee, Chang-Hwan;Lim, Jay-Ick
    • Management Science and Financial Engineering
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    • v.11 no.2
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    • pp.1-17
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    • 2005
  • In this article we consider a supply chain consisting of a risk-sensitive manufacturer and a riskneutral retailer. The manufacturer maximizes her individual expected profit by designing a supply chain coordinating returns contract (SCRC) that consists of (i) a channel coordinating returns policy that maximizes the supply chain joint expected profit, and (ii) a profit sharing arrangement that gives the retailer an expected profit only slightly higher than that in the no returns case so that it is just enough to induce the retailer to accept the SCRC. Thus, the manufacturer captures as high a percentage as possible of the jointly maximum supply chain profit. However, this contract can sometimes lead to the manufacturer's resulting realized profit being lower than that in the no returns case when demand is lower than expected. In this context, even though profit is sufficiently attractive on average, will the risk-sensitive manufacturer ever consider applying a SCRC? Our research raises this question and focuses on designing a SCRC that can significantly increase the probability of the manufacturer's resulting realized profit being at least higher than that in the no returns case.

An Empirical Study on the Influence Factors of the Mobile Cloud Storage Service Satisfaction (모바일 클라우드 스토리지 서비스 이용만족에 영향을 미치는 요인에 관한 실증연구)

  • Choi, Kwangdoo;Cho, Insu;Park, Heejun;Lee, Kiwon;Kang, Junmo
    • Journal of Korean Society for Quality Management
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    • v.41 no.3
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    • pp.381-394
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    • 2013
  • Purpose: Nowadays, Mobile Cloud Storage services are used widely. For sustainable use of this service, we need to determine what factors affect satisfaction. Therefore, the purpose of this study is to identify the factors that influence satisfaction. Methods: To analyze factors that influence satisfaction, this study sets the factors into three dimensions such as service quality, perceived risk, and individual characteristics and analyze the causal relationship between influence factors and satisfaction through Structural Equation Model. Results: The results of this study are as follows; among service quality, user interface and reliability influenced satisfaction, but adaptability did not have any influence. Perceived risk of illegal access had a negative influence on satisfaction, while perceived risk of privacy leakage did not have significant influence on satisfaction in perceived risk. At last, self-efficacy had a significant influence on satisfaction. Conclusion: We identified the influence factors that influence satisfaction. Our findings will be necessary for Mobile Cloud Storage service providers to strengthen their service.

Health education-communication approaches in health examinations for risk behavior modification

  • Yoo, Seung-Hyun
    • Korean Journal of Health Education and Promotion
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    • v.3 no.1
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    • pp.83-98
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    • 2001
  • Although periodic health examination has been one of the most common practices of preventive medicine, its effect on modification of risk behavior has been seldom assessed. Thus, this study attempted to demonstrate the influence of a health examination on modification of cardiovascular disease related health risk behaviors such as smoking, physical inactivity, and obesity. Data of 893 adults were derived from two types of a popular and highly acclaimed health examination program. With a conceptual model constructed using Persuasive Communication variables, McNemar tests examined Source-Outcome association, hypothesizing that different health examination programs would yield different levels of behavior change in smoking, physical inactivity, and obesity. No significant behavior change was found in any of the two health examination programs. Instead, previously established Receiver-Outcome relationship was reconfirmed by logistic regression modeling where gender was the most prominent predictor of all three behaviors. Men were more likely to be current smokers (OR=0.029), exercisers (OR=2.629), and obese (OR=0.237). The importance of followups after health examination is highly stressed as well as that of gender-specific health education strategies. This study recommends applying the social-ecological approaches in health examination, which emphasizes the support and collaboration at individual, family, organizations, community, and policy level to improve health. Long term and qualitative evaluation of health examination may provide more foundation for increasing the effectiveness of health education and communication in health examinations.

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Actuarial Analyses of Long Term Care Insurance for the Elderly in Korea (노인장기요양보험의 보험수리적 분석)

  • Kwon, Hyuk-Sung
    • The Korean Journal of Applied Statistics
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    • v.26 no.5
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    • pp.725-736
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    • 2013
  • Retirement income is an important personal and social issue. Problems associated with financial risk wil1 become more pronounced with the growth in the elderly population. Medical expenses in senescence is closely related to financial risk; in addition, some diseases that require long term care will increase financial risk which result in lower quality of life for the elderly. Therefore, it is necessary to understand expected long-term care costs and to manage financial risk from the perspective of an individual. This study evaluate the length of period in which a person is expected to need long term care and actuarial present values of the total cost which needs to be prepared for the care through the Korean public long term care system based on the experience data obtained from Long Term Care Insurance for the Elderly in Korea and a multi-state model.