• 재무관리연구
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• 제22권2호
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• pp.213-226
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• 2005

역선택은 금융 산업에서 많이 연구되는 주제이다. 은행 대출 이자율에 대해서는 이자율과 역 선택의 관계에 대해서 공감을 형성하고 있지만, 신용카드 이자율에 있어서 이자율의 변화와 역선택이 발생하는 방향에 대해서 아직 논쟁 중이다. 그러므로 이 논문에서는 신용카드 이자율에 있어서 역선택이 어떻게 발생하는 지를 밝히고, 균형 이자율이 결정되는 과정을 보이려 한다. 신용카드 이용자들과 공급자 사이의 상호 작용이 이자율을 결정하게 되는 중요한 요소이다. 신용카드 이용자들은 거래수단으로서 혹은 자금 조달 수단으로 신용카드와 현금을 이용할 수 있는데, 단위 화폐가치당 소용 비용을 최소화하려는 선택을 하는 합리적인 소비자로 가정하고 있다. 반면에 신용카드 공급자들은 그들의 이익을 최대화하려는 노력을 기울이는데, 현금보다 신용카드가 널리 쓰일수록 유리하다. 이런 가정하에서 신용카드 이자율과 역선택의 관계를 이론적 모형을 통해서 분석하였고, 은행 대출 이자율에서 발생하는 역선택과 같은 역선택이 발생함을 보였다. 즉 증가하는 신용카드 이자율은 역선택을 유발하는 것이다.

• 무역상무연구
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• 제66권
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• pp.149-170
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• 2015

State's compensation obligation accompanied in case of indirect expropriation of foreign investor's investment asset has been established definite principle under international investment law. But the concrete and unified application criterion regarding valuation methods for measuring compensation have not been established yet. The World Bank investment guideline is adopting the Hull's Formula, which is understood as the full compensation standard with prompt adequate effective compensation and Fair Market Value method. It is a general principle that compensation should be equal to the fair market value of investment asset just before indirect expropriation date. However, there is a problem of the valuation method of fair market value of investment asset. In general, discounted cash flow, liquidation value, replacement value, book value, etc. can be the applicable standards. Arbitral tribunals determine compensation by adopting proper valuation method on a case-by-case basis according to the discretion based on the arbitration parties' experts' review on the presented opinion and by considering fact relevance of the issued dispute. This compensation includes also interest, recently it tends to award according to compound interest rather than simple interest. Beginning of the period to generate interest is the next day of the indirect expropriation occurrence date. And it should be considered that interest until the payment of compensation is also included. In addition, it should be considered that mental damages is available only when there's a basis to prove this or special case. Therefore, this study suggests to review of precedents related to indirect expropriation and concretely specify compensation valuation standard and method of indirect expropriation on investment agreements through enough consultation beforehand.

• 대한예방한의학회지
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• 제21권2호
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• pp.15-22
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• 2017

Objectives : This study was conducted to identify awareness and satisfaction of herbal medicine preparations in Korean medicine doctor(KMD). Methods : The questionnaire consisted of three professors of Korean medicine based on previous researches and reports. The pilot survey was conducted to five KMDs who work in local clinic to get face validity. Based on the results of the pilot survey, three professors of Korean medicine completed the final version. Online surveys was conducted to member of the association of Korean medicine from march 25 to april 6 in 2016. Results : The proportion of patients who prescribe herbal medicine was not significantly correlated to gender (p=0.346), but significantly correlated to age(p<0.01), specialty(p=0.017), monthly income(0.022), and clinical experience(p<0.001). The most common reason for using the herbal preparations which is covered by NHI (National Health Insurance) was due to patient's payment(39.3%). Likewise, the most common reason for using the herbal preparations which is not covered by NHI was various kind of prescription(34.1%). Conclusions : The utilization of herbal preparations could be enhanced by expansion of NHI cover range of herbal preparations.

• 보건행정학회지
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• 제24권3호
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• pp.228-241
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• 2014

Background: The purpose of this study is to evaluate the effect of health insurance coverage expansion for cancer patients on equity in health care utilization and catastrophic expenditure. Methods: To analyze the causal relationship between the policy to expand benefit coverage and the change in health care utilization and out-of-pocket payments of cancer patients, this study employed a difference-in-differences (DID) method. In the DID model, the change in health care utilization, such as health care expenditure, visit days and length of stay, of cancer patients was compared with that of liver disease patients, using Korea Health Panel Data in 2009 and 2010. Results: The policy of reducing cost sharing from 10% to 5% for cancer patients did not have significant effects on equity in health care utilization. The results of this study were different from those of the previous study that showed that the reduction of cost sharing from 20% to 10% significantly improved the equity in health care utilization of cancer patients. In addition, the result of catastrophic expenditures analysis showed the policy did not change the probability of catastrophic expenditures. Conclusion: The results of this study imply that payment for non-covered services account for high out-of-pocket payments, and the reduction in cost sharing for covered services alone may have a limited effect on total financial burden on patients.

• 보건행정학회지
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• 제26권4호
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• pp.289-304
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• 2016

Background: Rehabilitations in subacute phase are different from acute treatments regarding the characteristics and required resource consumption of the treatments. Lack of accuracy and validity of the Korean Diagnosis Related Group and Korean Out-Patient Group for the acute patients as the case-mix and payment tool for rehabilitation inpatients have been problematic issues. The objective of the study was to develop the Korean Rehabilitation Patient Group (KRPG) reflecting the characteristics of rehabilitation inpatients. Methods: As a retrospective medical record survey regarding rehabilitation inpatients, 4,207 episodes were collected through 42 hospitals. Considering the opinions of clinical experts and the decision-tree analysis, the variables for the KRPG system demonstrating the characteristics of rehabilitation inpatients were derived, and the splitting standards of the relevant variables were also set. Using the derived variables, we have drawn the rehabilitation inpatient classification model reflecting the clinical situation of Korea. The performance evaluation was conducted on the KRPG system. Results: The KRPG was targeted at the inpatients with brain or spinal cord injury. The etiologic disease, functional status (cognitive function, activity of daily living, muscle strength, spasticity, level and grade of spinal cord injury), and the patient's age were the variables in the rehabilitation patients. The algorithm of KRPG system after applying the derived variables and total 204 rehabilitation patient groups were developed. The KRPG explained 11.8% of variance in charge for rehabilitation inpatients. It also explained 13.8% of variance in length of stay for them. Conclusion: The KRPG version 1.0 reflecting the clinical characteristics of rehabilitation inpatients was classified as 204 groups.

• 한국통신학회논문지
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• 제37권2C호
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• pp.140-156
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• 2012

최근 NFC(Near Field Communcation) 기반 통신 기능을 채용한 스마트기기 및 OS 등이 확산됨에 따라 기존 RFID를 이용하던 다양한 응용 분야에 대하여 NFC로의 대체가 진행되고 있다. 대표적으로 출입 통제나, e-ticket, 전자 결제 등의 분야에서 NFC가 RFID를 대체하고 있다. 기존의 RFID는 수동적 통신 기능만 제공하여 충분히 안전한 인증 및 권한 검증 방법을 제시하지 못하였으나, 능동형 통신기능을 제공하는 NFC를 활용하면 보다 안전한 인증 방식을 제공하여 다양한 응용에서 요구하는 보안 요구사항을 만족시킬 수 있다. 그러므로 본 논문은 NFC의 능동형 통신 기능을 활용하여 신용카드 결제, 출입통제 시스템 등에 활용될 수 있는 능동형 인증 방식을 제공할 수 있는 방법으로 EAP(Extensible Authentication Protocol)과 AAA(Authentication. Authorization and Accounting) 규약을 활용하는 방법을 제안한다.

• 한국콘텐츠학회논문지
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• 제15권5호
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• pp.550-559
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• 2015

한국의 만화산업은 오랜 역사에도 불구하고 뿌리 깊숙이 박혀 있는 불법복제물 시장으로 인해 아직까지 자생적인 건강한 생태계를 이루지 못하고 있다. 그간 불법복제물 시장 근절을 위한 다양한 연구가 있어왔으나 아직까지 이렇다 할 실효성을 인정받지 못하고 있는 상황이다. 이에 본 논문에서는 만화복제물 시장에 관한 연구를 이용자 관점에서 분석해 보고자 한다. 특히 불법복제물이지만 유료인 파일공유 사이트를 이용하는 이용자들을 대상으로 설문조사와 서면인터뷰를 통해 파악해 보았다. 이를 통해 이용자들의 도덕성과 사이트 이용 간의 상관관계는 어떠한지, 이용자들이 느끼는 파일공유 사이트의 인지된 편의성은 무엇인지 그리고 그들을 합법적인 만화 포털 사이트로 유인하기 위한 요인은 무엇인지를 중심으로 연구하였다. 그 결과, 만화 포털 사이트는 이용자들의 양성화를 위해 양질의 콘텐츠 확보, 결제 수단 등의 불편함 개선, 콘텐츠에 관한 자세한 정보 제공, 콘텐츠 구매 대여 방식 다양화 등의 구매 요인들을 개선할 필요가 있음을 알 수 있었다.

• 간호행정학회지
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• 제21권5호
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• pp.519-529
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• 2015

Purpose: This study was performed to identify perceptions on fixed night shift system and turnover intention of general hospital nurses and to explore a desirable application plan for a fixed night shift system. Methods: This study was a cross-sectional survey. Participants were 300 nurses working at one general hospital in GyeongGi-Do, Korea. Data were collected from November 3 to 7, 2014, with a structured questionnaires and analyzed using SPSS/PC ver 20.0 programs. Results: Of the participants 73.5% had thought about turnover because of night shifts and the preconditions for desirable fixed night shift system were a payment plan differentiated according to work conditions and an adequate number of nursing staff. Economic and administrative supports like 'raising extra-pay for night shift' and 'increasing the number of paid holidays' were very important for a desirable fixed night shift system. Conclusion: The results indicate that the most important factor for a desirable fixed night shift system to decrease nurses' turnover intention is economic and administrative support according to the needs of the nurses. So nursing managers need to find a desirable fixed night shift system considering nurses' demographic characteristics and organizational characteristics.

• 간호행정학회지
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• 제19권4호
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• pp.437-448
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• 2013

Purpose: This study was a retrospective survey to examine economic feasibility of home care services for patients with diabetic foot. Methods: The participants were 33 patients in the home care services (HC) group and 27 in the non-home care services (non-HC) group, all of whom were discharged early after inpatient treatment. Data were collected from medical records. Direct medical costs were calculated using medical fee payment data. Cost-effectiveness ratio was calculated using direct medical costs paid by the patient and the insurer until complete cure of the diabetic foot. Effectiveness was the time required for a complete cure. Direct medical costs included fees for hospitalization, emergency care, home care, ambulatory fees, and hospitalization or ambulatory fees at other medical institutions. Results: Mean for direct medical costs was 11,118,773 won per person in the HC group, and 16,005,883 won in the non-HC group. The difference between the groups was statistically significant (p=.042). Analysis of the results for cost-effectiveness ratio showed 91,891 won per day in the HC patients, and 109,629 won per day in the non-HC patients. Conclusion: Result shows that the cost-effectiveness ratio is lower HC patients than non-HC patients, that indicates home care services are economically feasible.

• 보건교육건강증진학회지
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• 제15권1호
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• pp.151-163
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• 1998

The purpose of this study is to find options which reduce the job stress and to enhance morale through a variable analysis, and also apply this data in the legal and administration fields. The data for the research was obtained from 217 dental hygienists working in the dental clinics, dental hospitals and university's dental hospitals' in Seoul. The tool used by this study was a Questionnaire measuring on-the-job stress of dental hygienists, was a modified and revised. The Questionnaire version used to measure bank's job stress and used to suggest options by Dae-ha Yoon(1991). Classification of items for measuring job stress was based on Theoretical Study on Job Stress by Dae-hyon Song(1986). The scale used in study was the two points (yes or no in the job stress) scale measuring for variables. The period of data collection was 30 days from December 4, 1995 to January 5, 1996. The methods of data collection were self-writing, direct visit, and postal Questionnaire answering, 224 copies of Questionnaire data were collected, but only 217 copies were used. 7 copies could not be analyzed, were not used for this study. The data analysis was conducted by SPSS after coding the collected raw data. The general characteristics was obtained from real digits and percentages. In order to analyze the difference of sub-variables against the job stress based on general characteristics. Mean, Standard Deviation, and F test (ANDVA) were conducted. The following were the results of job stress variables: 1. Meaningful variable affecting the working organization, is compensation system(p〈0.03). 2. Meaningful variable affecting the working period, is work overload(p〈0.02). 3. Meaningful variable affecting average patients per day, is the career management and payment(p〈0.04, p〈0.01). 4. Meaningful variable affecting number of staff, is the comrade relationship, role conflict among patients, work overload, and job overload(p〈0.000, p〈0.05, p〈0.04, p〈0.01). The comrade relationship is most affected to the number of staffs aides. 5. Meaningful variables affecting job diversion, are the desire and value, the non-role play, and the environment(p〈0.003, p〈0.02, p〈0.005).