• 한국지능정보시스템학회:학술대회논문집
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• 한국지능정보시스템학회 2000년도 춘계정기학술대회 e-Business를 위한 지능형 정보기술 / 한국지능정보시스템학회
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• pp.365-373
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• 2000

Data Envelopment Analysis (DEA), a non-parametric productivity analysis tool, has become an accepted approach for assessing efficiency in a wide range of fields. Despite of its extensive applications and merits, some features of DEA remain bothersome. DEA offers no guideline about to which direction relatively inefficient DMUs improve since a reference set of an inefficient DMU, several efficient DMUs, hardly provides a stepwise path for improving the efficiency of the inefficient DMU.In this paper, we aim to show that DEA can be used to evaluate the efficiency of life insurance companies while overcoming its limitation with the aids of machine learning methods.

• 보험의학회지
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• 제29권1호
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• pp.16-21
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• 2010

The measurement of prostate specific antigen (PSA) in screening for prostate cancer is recently performed as a routine check-up in clinical medicine and insurance medicine. Several factors may affect serum PSA levels. As prostate size increases with increasing age, the PSA concentration also rises. Increasing body mass index (BMI) is associated with a lower mean PSA concentration. Inhibitors of 5-alpha-reductase such as finasteride and dutasteride produce a 50 percent or greater decrease in serum PSA during the first three months of therapy, which persists as long as the drug is continued. Men who are regularly taking non-steroidal antiinflammatory drugs (NSAIDs) or acetaminophen have lower PSA levels. Emerging concepts regarding PSA testing that may help refine the interpretation of an elevated concentration include: PSA density, PSA velocity, and Free versus complexed or bound PSA. With many insurance companies, PSA level has become part of a standard battery of blood tests, along with HIV, cholesterol, liver enzymes, and other predictors of premature death. But, there is no clear proof of benefit, so we have to monitor the value of PSA test as a prostate cancer screening test in insurance medicine.

• 통상정보연구
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• 제9권2호
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• pp.41-64
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• 2007

A life insurance industry's market is reaching a state of saturation recently, and the competition is as time goes by intense among the non-life insurance industry. Consequently, the insurance companies must grope a new source of revenue and develop a new business model for a stability growth. At the forked road, the insurance companies must group the existing and new customers in order to find the royal customers, and develop a new service with them. Accordingly, it is the time to study the advance of PB field and the royal customer management that will maintain and expand the new relations with them. Besides, the PB was the service to begin in needs of the specific group, but now it is regarded as a new source of high profit in the age of universal financial service among the financial circles. As a consequence, the PB marketing is introduced in haste, and such trend seems to be continued. Therefore, the plans that help the domestic insurance company reflect the characteristic of the insurance and expand the scope of business into the scope of property management according to the needs of customers under a universal financial service trend will be studied.

• The Journal of Asian Finance, Economics and Business
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• 제9권7호
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• pp.261-271
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• 2022

Over the last 20 years, the insurance industry in Vietnam has been rapidly growing with an average annual growth rate of 21%, one of the most active markets in Southeast Asia, raising the question of efficiency to managers, investors, and regulators. This article is one of the first research works using Data Envelopment Analysis combined with the Malmquist index over the period from 2016 to 2020 for 37 insurance firms in Vietnam to investigate the efficiency of this sector. The value-added approach is employed with total equity and operating expenses as inputs, finance income, and gross written premium as outputs. The findings reveal that most of Vietnam's insurance companies are operating quite effectively, and the non-life sector is more efficient than the life sector. There is also a regression in efficiency change, while there is a progression in technological change and total factor productivity change during the period examined. The goal of this research is to give a fundamental understanding of the overall efficiency of insurance firms in Vietnam, and help managers, investors, policyholders, and government agencies make better decisions regarding self-assessment, M&A activities, deregulation... Consequently, the insurance sector could improve in terms of efficiency and develop sustainably over time.

• 보험의학회지
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• 제1권1호
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• pp.88-95
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• 1984

In Korea, life insurance policies are sold to the policy holders by insuring either the insureds undergo a medical examination at a clinic or the insureds' report their history of diseases ever experienced that replaces the medical examination. This study aimed to measure the level of death rates for the insureds between those who received medical examination and those who did not receive medical examination, and to examine differences of the rates in terms of the insureds' characteristics such as age, sex, cause of death and duration. A total number of 32,358 insureds were selected for the population of this study from the D. Life Insurance Company located in Seoul City. Out of the 32,358 insureds, 2,997 received medical examination and the rest of 29,381 did not received any medical examination. Results of analysis are summarized as follows: 1. Death rate per 100,000 insureds for the all was 19.3 in the first year, 96.3 in the second year, 143.8 in the third year 93.4 in the fourth year. For the group of medical examination received, the rate was zero in the first year, 41.3 in the second year, 55.4 in the third year and 268.8 in the fourth year, and for the group of non-medically examined the rate was 21.3 in the first year, 101.9 in the second year, 152.2 in the third year and 76.8 in the fourth year. The levels of death rates between the insureds with medical examsination and the inureds without medical examination were non-significant in the differences by duration except the levels of the third year, which indicated the death rate of non-medically examined group was higher than that of the medically examined group. 2. 73.0 per cent of the total deaths observed during the insured period were caused by various diseases and the rest of 27.0 per cent deaths were due to accidents. For the group of medical examination received, 55.6 per cent deaths were caused by diseases, and for the group of nonmedically examined, 74.7 per cent of deaths were due to diseases. 3. cancer was the most frequent cause which accounted for 22.0 per cent of the total deaths. Proportion of deaths due to cancer from the group of medical examination received was 22.2 per cent, and the corresponding rate for the group of non-medically examined also showed high rate of 22.0 per cent.

• 한국콘텐츠학회논문지
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• 제11권12호
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• pp.403-412
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• 2011

2009년 2월 4일부터 시행된 자본시장통합법은 자본시장 관련 금융 산업의 구조조정을 촉진시켜 겸업화, 통합을 통한 대형화가 가속화 될 것으로 예상되어 손해보험을 둘러싼 경쟁이 가속화 되고 있다. 이러한 상황에서 본 연구의 목적은 DEA 모형과 맘퀴스트 지수를 이용하여 생보산업의 자본시장통합법 전후 2년간의 효율성과 생산성 변화를 분석하고 더 나아가 토빗 회귀분석을 이용하여 효율성을 결정하는 요인을 추가적으로 찾아내는데 있다. 본 연구결과는 다음과 같다. 첫째 자본시장법 시행 전후의 효율성은 자본시장법 시행 전에 비하여 시행 후에 기술효율성과 순수기술효율성 및 규모효율성 모두가 유의적으로 증가한 것으로 나타났다. 둘째, 자본시장법 시행 전후의 생산성은 자본시장법 시행 전에 비하여 시행 후에 유의적으로 증가한 것으로 나타났다. 셋째, 기술효율성에 유의적인 영향을 미치는 변수는 설계사 비중, 순수기술효율성에 유의적인 영향을 미치는 변수는 자산운용률, 규모효율성에 유의적인 영향을 미치는 변수는 기업규모, 자산운용률, 설계사 비중으로 나타났다.

• Communications for Statistical Applications and Methods
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• 제18권1호
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• pp.119-130
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• 2011

본 연구의 목적은 한국 보험회사의 지속가능성과를 측정하고 분석하여 지속가능경영을 위한 전략적 시사점을 제공하는데 있다. 분석방법으로는 상관분석, 회귀분석, 분산분석, T-검정을사용한다. 분석결과 첫째, 생명보험에서는 사회지표가, 손해보험에서는 환경지표가 상대적으로 중요한 변수로 분석되었다. 둘째, 지속가능점수를 종속변수로 하고 기업의 규모와 재무건전성을 독립변수로 한 회귀분석 결과규모가 통계학적으로 유의하게 정(+)의 영향을 미치는 변수로 분석되었다. 이는 지속가능성장을 위한 필요조건으로 일정 수준 이상의 규모가 요구됨을 시사한다. 셋째, 분산분석 및 T-검정 결과 생명보험산업에서는 중소형사가 대형사에 비해 사회지표 및 명성지수에서 통계학적으로 유의하게 낮은 성과를 보여주는 것으로 나타났다. 손해보험산업에서는 중소형사가 대형사에 비해 사회지표를 제외한 모든 지표에서 통계학적으로 유의하게 낮은 성과를 보여주는 것으로 나타났다. 따라서 중소형사의 지속가능한 발전을 위해서는 생명보험의 경우 사회지표 및 명성지표 측면에서, 손해보험의 경우는 경제, 환경, 명성 등의 측면에서 노력이 요구되어진다고 볼 수 있다.

• 보험의학회지
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• 제27권2호
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• pp.96-106
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• 2008

다음은 위의 모든 결과를 바탕으로 디스크 질환의 입원기간이 길어지고 재발이 일어날 수 있는 나쁜 조건 (NEGATIVE)과 그 반대인 좋은 조건(Positive)을 table로 정리하였다. 좋은 조건은 같은 추간판 탈출 기왕력자라고 하더라도 예후에 긍정적인 가능성을 주는 조건이다. 따라서 심사할 때 table를 토대로 고지내용이 좋은 조건인지, 나쁜 조건인지 판단 할 수 있고 추가 질문사항을 요청하는데 도움이 될 수 있을 것이다. 만약 입원을 했더라도 며칠을 입원했는지. 재수술을 하였다면 어떻게 했는지, 직장인의 경우 현재 어떤 조건인지, 수술을 했다면 구체적으로 수술명이 무엇인지, 수술 후 술, 담배를 하였는지, 수술 후 현재 상태가 어떤지에 따라 인수 여부를 결정하는데 도움이 될 것이라고 생각한다.

• 동서간호학연구지
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• 제16권2호
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• pp.172-178
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• 2010

Purpose: We examined the relationship between the health-related issues of elderly women and bone density and identified specific factors that affect the prevalence of osteoporosis to provide basic data for developing a health care program on osteoporosis prevention. Methods: This study is a secondary data analysis of 118,903 66-yr-old women who received a health examination conducted by the National Health Insurance Corporation in 2008. Multiple logistic regression analysis was used to identify factors affecting the prevalence of osteoporosis. Results: The prevalence of osteoporosis was 46.8%, whereas the prevalence of osteopenia was 38.4% among elderly women in this study. Statistically significant differences were observed between the osteoporosis and non-osteoporosis group in terms of smoking (p<.001), exercise (p<.001), obesity (p<.001), waist circumference (p<.001), depression (p<.001), falling experience (p<.05), and the cognitive function risk (p<.05). Based on the multiple logistic regression results, the risk for osteoporosis was high in those who were under-weight, smoked, or were depressed. In contrast, moderate or high level obesity showed a negative relationship with osteoporosis. Conclusion: The prevalence of osteopenia and osteoporosis was 85.2%. Therefore, there is a need to develop health care programs pertaining to osteoporosis intervention and prevention for elderly women. Because smoking, non-exercise, and obesity are main osteoporosis risk factors, it is highly recommended that some sound practical life programs and psychological support programs be considered for this population.

• 응용통계연구
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• 제27권6호
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• pp.1017-1028
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• 2014

잘 알려져 있는 것처럼 일반적인 베이즈 추정량(Bayes estimator)과 경험적 베이즈 추정량(empirical Bayes estimator)은 모수를 추정하는데 있어서 오차를 과다축소하는 단점을 가지고 있다. 따라서 이러한 단점을 극복하기 위하여 constrained 베이즈 추정량이 일차 적률과 이차 적률을 일치시키는 성질을 만족시키며 제안되었다. 또한 평균 제곱오차 함수와 같은 전통적인 손실함수에서는 추정의 정확성만을 고려하는 특징을 가지고 있기 때문에, 추정의 정확성과 정합성을 동시에 고려하는 균형 손실함수가 제안되었다. 이러한 이유로 인하여 균형손실 함수하에서의 제한적 베이즈 추정량의 활용이 손해 보험의 가격 산출에 제안되는 것은 타당하다. 그러나 대부분의 연구는 추정의 문제에만 집중하는 경향이 있으며. 이는 새롭게 제안되는 특정 손실함수하에서의 constrained 베이즈 추정량과 constrained empirical 베이즈 추정량의 베이즈 위험의 계산이 어렵다는 점에서 기인한다. 본 연구에서는 다양한 베이즈 추정량들에 대한 베이즈 위험을 서로 다른 두 손실함수하에서 비교하였으며, 그 대상은 자동차 보험 산업에서의 위험도 추정 분야이다. 또한 자동차 보험 산업의 실제 사고 데이터를 이용하여 새롭게 제안된 베이즈 추정량의 베이즈 위험을 비교함으로써 그 효용성을 입증하였다.