• 제목/요약/키워드: Trade Insurance

검색결과 161건 처리시간 0.023초

Economic Evaluation of Prostate Cancer Screening Test as a National Cancer Screening Program in South Korea

  • Shin, Sangjin;Kim, Youn Hee;Hwang, Jin Sub;Lee, Yoon Jae;Lee, Sang Moo;Ahn, Jeonghoon
    • Asian Pacific Journal of Cancer Prevention
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    • 제15권8호
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    • pp.3383-3389
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    • 2014
  • Background: Prostate cancer is rapidly increasing in Korea and professional societies have requested adding prostate specific antigen (PSA) testing to the National Cancer Screening Program (NCSP), but this started a controversy in Korea and neutral evidence on this issue is required more than ever. The purpose of this study was to provide economic evidence to the decision makers of the NCSP. Materials and Methods: A cost-utility analysis was performed on the adoption of PSA screening program among men aged 50-74-years in Korea from the healthcare system perspective. Several data sources were used for the cost-utility analysis, including general health screening data, the Korea Central Cancer Registry, national insurance claims data, and cause of mortality from the National Statistical Office. To solicit the utility index of prostate cancer, a face-to-face interview for typical men aged 40 to 69 was conducted using a Time-Trade Off method. Results: As a result, the increase of effectiveness was estimated to be very low, when adopting PSA screening, and the incremental cost effectiveness ratio (ICER) was analyzed as about 94 million KRW. Sensitivity analyses were performed on the incidence rate, screening rate, cancer stage distribution, utility index, and treatment costs but the results were consistent with the base analysis. Conclusions: Under Korean circumstances with a relatively low incidence rate of prostate cancer, PSA screening is not cost-effective. Therefore, we conclude that adopting national prostate cancer screening would not be beneficial until further evidence is provided in the future.

서비스 경제화와 공간의 변용 (Service Economies and the Spatial Transformation)

  • 이희연
    • 한국경제지리학회지
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    • 제1권1호
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    • pp.33-56
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    • 1998
  • 본 연구는 서비스 경제화 추세가 진전되면서 공간에 어떠한 변용을 가져오고 있는가를 고찰하였다. 경제의 서비스화가 진전되면서 서비스업에 대한 수요와 공급의 공간적 패턴은 상당한 차이를 나타내고 있으며, 이에 따른 차별적인 서비스업의 성장과 그에 따른 입지는 공간구조에 커다란 영향을 미치고 있다. 지난 15년간 가장 높은 성장률을 보이고 있는 서비스업종은 생산활동과 연계가 깊은 생산자서비스업으로, 이 업종은 서울을 중심으로 한 수도권으로 집중하는 경향을 보이고 있다. 본사기능이 주로 집적되어 있는 핵심지역이 기술, 정보, 지식 집약적인 생산자서비스에 대한 수요가 상대적으로 높기 때문에 이들 지역으로 생산자서비스업체들이 집중하고 있다고 볼 수 있다. 앞으로 서울을 세계 대도시들 속에서 경쟁력있는 도시로 성장시키기 위해서는 고차적 생산자서비스업을 육성시키는 것이 바람직하지만 다른 지역들과의 성장격차를 심화시키지 않는 방안이 강구되어야 할 것이다.

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Breaking the Culture-specific Silence of Women Glass Bead Makers in Ghana: Towards Empowerment

  • Adom, Dickson;Daitey, Samuel T.;Yarney, Lily;Fening, Peggy A.
    • Safety and Health at Work
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    • 제11권4호
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    • pp.450-457
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    • 2020
  • Background: The production of glass beads in Ghana is greatly impacted by the ingenuity of Ghanaian women. Preliminary investigations revealed the lack of interest on the part of women due to poor working conditions as a result of the influence of culture-specific silence. Therefore, the study investigated the poor working conditions faced by these industrious women with the ultimate goal of suggesting ways they can be empowered. Methods: A phenomenological study was conducted in two indigenous glass bead communities in Ghana. Data were solicited via direct observations, personal interviews and focus group discussions. Twenty-six purposively sampled respondents were recruited for the study. Data from the study were analyzed using Interpretative Phenomenological Analysis. Results: The results confirmed that the elderly women glass bead makers are much influenced by the Ghanaian culture of silence. This prevents the women from speaking about the challenges they are facing in their work. Also, the women are silenced because of the fear of losing their jobs as well as the reluctance of their male managers to remedy the challenges they encounter in the course of work. This has resulted in poor remuneration, lack of insurance packages for workers, certification, and absence of personal protective tools for the women. Conclusion: The study tasks the government of Ghana, the Legal Advocacy for Women in Africa (LAWA), the Fair Wages and Salaries Commission in Ghana, the Ghana Trade Union as well as the Local Government Workers' Union to empower the women to sustain the glass bead industry in Ghana.

Investigation of Working Conditions and Health Status in Platform Workers in the Republic of Korea

  • Hyoungseob Yoo;Munyoung Yang;Ji-Hun Song;Jin-Ha Yoon;Wanhyung Lee;Jinhee Jang;Minjoo Yoon;Mo-Yeol Kang
    • Safety and Health at Work
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    • 제15권1호
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    • pp.17-23
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    • 2024
  • Background: The present study aimed to analyze several aspects of the working conditions and health status of platform workers in the Republic of Korea, such as ergonomic and emotional hazards. We also compared the health status of the platform workers with that of the general population. Methods: A total of 1,000 platform workers participated in this survey from August 7 to August 17, 2022. The participants included 400 designated drivers, 400 food-delivery drivers, and 200 housekeeping managers. A face-to-face survey with a structured questionnaire was conducted by researchers who had received specific instructions. The focus of the survey extended to the work environment, encompassing factors such as workplace violence, as well as physical, chemical, and ergonomic hazards. Health-related data for the previous year were also collected, covering a range of issues such as hearing problems, skin problems, musculoskeletal symptoms, headaches, injuries, mental health issues, and digestive problems. Subsequently, we compared the health symptom data of the responders with those of the general population in the Republic of Korea. Results: Platform workers, including designated drivers, food-delivery drivers, and housekeeping managers, existed in the blind spot of social insurance, facing frequent exposure to physical and chemical hazards, ergonomic risk factors, and direct or indirect violence. The prevalence of health problems, including musculoskeletal symptoms, general fatigue, and depressive symptoms, in each occupational group was statistically higher than that in the general population after standardization for age and gender. Conclusion: The results revealed unfavorable working environment and inferior occupational health of platform workers compared with those of the general population.

전문직 표시·광고규제의 몇 가지 쟁점: 의료광고를 중심으로 (Regulation of Professional Advertising: Focusing on Physician Advertising)

  • 이동진
    • 의료법학
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    • 제17권2호
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    • pp.177-219
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    • 2016
  • 상업광고는 경쟁의 수단이자 그 자체 표현양식이기도 하다. 따라서 이는 영업의 자유(헌법 제15조)와 언론 출판의 자유(헌법 제21조 제1항)의 보호를 받는다. 영업의 자유 내지 경쟁과 관련하여서는 부정경쟁행위로서 제재되어야 하는 부당광고와 그 제한이 부당한 경쟁제한으로 오히려 금지될 수 있는 정당한 광고의 구분이 중요하다. 언론 출판의 자유 내지 표현과 관련하여서는 검열금지의 원칙(헌법 제21조 제2항)이 문제된다. 이 글에서는 이들 두 쟁점을 중심으로 (자유)전문직 광고규제, 특히 의료광고를 검토하였다. 그 결과는 다음과 같다. 첫째, (자유)전문직 광고, 특히 의료광고라 하더라도 사전심의를 받게 할 것은 아니다. 이는 검열금지가 상업광고에 대하여 적용되어야 한다는 뜻은 아니다. 검열금지를 상업광고에까지 적용하는 것은 부적절하다. 그러나 헌법재판소는 검열금지를 상업광고에 적용하고 있고, 실제로 의료광고에서 사전검열이 필요하다고 보이지도 아니한다. 사전심의를 지지하는 이는 주로 의료에 정보비대칭성이 있고, 잘못된 의료로 인한 해가 중대할 뿐 아니라 회복불가능하다는 점에서 그 근거를 찾는데, 의료법은 의료과오책임과 설명의무로 이에 대응하고 있고 의료광고가 여기에 미치는 영향은 매우 제한되어 있기 때문이다. 사전심의는 전면 폐지하거나 굳이 틀을 유지하려면 심의 받은 광고에 대한 인증제도 또는 완전한 자율규제로 전환하여야 한다. 둘째, (자유)전문직 광고, 특히 의료광고에 대하여 광고 일반보다 더 높은 규제를 가할 근거도 없다. 더 높은 수준의 규제를 가하여야 한다는 주장은 그 근거로 (자유)전문직은 윤리성, 비영리성을 갖고 있고, 특히 의료업은 국민건강보험체제에 편입되어 있는바, 경쟁이 이 체제의 안정성을 해할 수 있다는 점을 지적한다. 그러나 (자유)전문직이라 하더라도 직업윤리 등의 제약 하에 영리를 추구하고 경쟁할 수 있고, 또 실제로 하고 있으며, 의료업이 국민건강보험체제에 편입되어 있다는 사정 또한 경쟁의 수단 등에 일정한 제약을 부과할 뿐 경쟁 자체를 배제하지는 아니한다. 의료업에 대하여 일반 광고규제보다 더 엄격한 광고규제를 가하는 것은 초보의사에 대한 진입장벽으로 작용할 가능성이 높고, 그러한 점에서 경쟁제한적 행위로서 그 정당성이 의심스럽다.

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기계학습을 이용한 수출신용보증 사고예측 (The Prediction of Export Credit Guarantee Accident using Machine Learning)

  • 조재영;주지환;한인구
    • 지능정보연구
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    • 제27권1호
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    • pp.83-102
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    • 2021
  • 2020년 8월 정부는 한국판 뉴딜을 뒷받침하기 위한 공공기관의 역할 강화방안으로서 각 공공기관별 역량을 바탕으로 5대 분야에 걸쳐 총 20가지 과제를 선정하였다. 빅데이터(Big Data), 인공지능 등을 활용하여 대국민 서비스를 제고하고 공공기관이 보유한 양질의 데이터를 개방하는 등의 다양한 정책을 통해 한국판 뉴딜(New Deal)의 성과를 조기에 창출하고 이를 극대화하기 위한 다양한 노력을 기울이고 있다. 그중에서 한국무역보험공사(KSURE)는 정책금융 공공기관으로 국내 수출기업들을 지원하기 위해 여러 제도를 운영하고 있는데 아직까지는 본 기관이 가지고 있는 빅데이터를 적극적으로 활용하지 못하고 있는 실정이다. 본 연구는 한국무역보험공사의 수출신용보증 사고 발생을 사전에 예측하고자 공사가 보유한 내부 데이터에 기계학습 모형을 적용하였고 해당 모형 간에 예측성과를 비교하였다. 예측 모형으로는 로지스틱(Logit) 회귀모형, 랜덤 포레스트(Random Forest), XGBoost, LightGBM, 심층신경망을 사용하였고, 평가 기준으로는 전체 표본의 예측 정확도 이외에도 표본별 사고 확률을 구간으로 나누어 높은 확률로 예측된 표본과 낮은 확률로 예측된 경우의 정확도를 서로 비교하였다. 각 모형별 전체 표본의 예측 정확도는 70% 내외로 나타났고 개별 표본을 사고 확률 구간별로 세부 분석한 결과 양 극단의 확률구간(0~20%, 80~100%)에서 90~100%의 예측 정확도를 보여 모형의 현실적 활용 가능성을 보여주었다. 제2종 오류의 중요성 및 전체적 예측 정확도를 종합적으로 고려할 경우, XGBoost와 심층신경망이 가장 우수한 모형으로 평가되었다. 랜덤포레스트와 LightGBM은 그 다음으로 우수하며, 로지스틱 회귀모형은 가장 낮은 성과를 보였다. 본 연구는 한국무역보험공사의 빅데이터를 기계학습모형으로 분석해 업무의 효율성을 높이는 사례로서 향후 기계학습 등을 활용하여 실무 현장에서 빅데이터 분석 및 활용이 활발해지기를 기대한다.

의료서비스의 결합판매와 경쟁제한성의 판단 - Cascade Health 사건을 중심으로 - (Bundled Discounting of Healthcare Services and Restraint of Competition)

  • 정재훈
    • 의료법학
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    • 제20권3호
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    • pp.175-209
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    • 2019
  • 시장지배적 사업자의 결합판매는 경쟁법 적용에 있어 어려운 문제 중 하나이다. 결합판매는 통상 할인을 수반하는데, 소비자 입장에서는 더 낮은 가격에 더 많은 상품을 구매할 수 있는 혜택을 보게 된다. 공급자도 별개로 판매할 경우에 소요되는 판매비용보다 더 낮은 비용으로 판매할 수 있게 된다. 이와 같이 소비자 입장에서는 가격인하의 혜택을, 공급자 입장에서는 판매비용 인하의 혜택을 보는 효율적인 측면이 있다. 대상판결은 결합판매 자체는 경쟁촉진적일 수도 있고, 경쟁제한적일 수도 있으며, 시장지배적 사업자가 아니더라도 거래관행상 광범위하게 이루어지고 있으므로 중립적이고 객관적으로 경쟁제한성 평가를 할 필요가 있음을 전제로 하고 있다. 대상판결은 동등 효율 경쟁자를 배제할 위험이 있는지를 심사해야 한다는 입장을 취함으로써 제1심이 선례로 고려한 LePage 판결을 따르지 않고 비용 기반 분석(cost based approach)이 필요하다고 봄으로써, 결합판매에서 비용기반 분석의 대표적인 판결로 평가받고 있다. 이 판결의 가장 돋보이는 점은 결합판매에서 경쟁제한성 평가의 방법론에 있어, 할인귀속 기준을 채택하여 결합판매에 따른 할인분을 전체 상품이 아니라 경합하는 상품에 적용한 후, 비용보다 가격이 낮은지를 심리해야 한다는 점을 지적한 점이다. 동등효율 경쟁자의 배제 문제는 결국 행위자 자신이 스스로 위반여부를 판단할 수 있어야 하므로, 이때 문제되는 비용은 경쟁자의 비용이 아니라 행위자의 비용임을 명시하였다. 결합판매를 통한 할인은 소비자가 별개로 구입할 수 있는 선택권을 침해받지 않으면서도 저가에 상품을 구입할 수 있는 긍정적인 효과가 있다. 따라서 결합판매를 경쟁법 차원에서 규제할 수 있는 근거로는, 가격할인에도 불구하고 동등효율 경쟁자를 배제한다는 점이 합리적인 사유가 될 것이다. 그 점에서 대상판결이 제시한 동등효율 경쟁자의 배제 위험 문제를 가격비용 테스트와 할인귀속기준을 통하여 적용한 점은 설득력이 있다. 반면, 결합판매의 기본적인 구조는 끼워팔기의 강제성 요건과 유사한 측면이 있다는 지적도 경청할 필요가 있다. 한국은 공적 건강보험 체계가 당연지정 요양기관 제도와 결합하면서 의료서비스에 대한 가격 경쟁은 요양급여에서는 불허되며 비급여 부분을 중심으로 존재한다. 이러한 비급여 부분을 중심으로 의료가 발달한 분야에서도 가격에 관한 의료공급자들의 시장지배적 지위의 남용이 가능하다. 진료비에 대한 가격결정과 공적 건강보험 제도와 민간의료보험의 관계를 검토해보면, 의료공급자 중 시장지배적 사업자의 결합판매를 통한 경쟁사업자의 배제는 비급여 부분에 대하여 국민건강보험공단이 아닌 민간보험회사와 관계에서 결합판매를 통한 할인계약을 통하여 가능할 것이다.

한국과 미국의 상사중재제도에 관한 비교연구 (A Study on Comparison of Commercial Arbitration System in Korea and U.S.A.)

  • 이강빈
    • 한국중재학회지:중재연구
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    • 제12권1호
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    • pp.271-321
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    • 2002
  • Every year, many million of business transactions take place. Ocassionally, disagreements develop over these business transactions. Many of these disputes are resolved by mediation, arbitration and out-of-court settlement options. The American Arbitration Association(AAA) helps resolve a wide range of disputes through mediation, arbitration, elections and other out-of-court settlement procedures. The AAA offers a broad range of dispute resolution services to business executives, attorneys, individuals, trade associations, unions, management, consumers, families, communities, and all level of governments. The 198,491 cases composed of the 194,303 arbitration cases and the 4,188 mediation cases, were filed with the AAA in 2000. These case filings represent a full range of matters, including commercial finance, construction, labor and employment, environmental, health care, insurance, real state, securities, and technology disputes. The Korean Commercial Arbitration Board (KCAB) does more than render arbitration services. It helps facilitate settlements and guarantee implementation thereof between trading partners at home and abroad involving disputes related to such areas as the sale of commodities, construction, joint venture agreements, technical assistance, agency agreements, and maritime transport. The 643 cases composed of the the 197 arbitration cases and the 446 mediation cases, were filed with the KCAB in 2001. There are some differences between the AAA and the KCAB regarding the number and the area of mediation and arbitration case filings, the breath of service offerings, the scope of alternative dispute resolution, and the education and training. In order to apply to the proceedings of the commercial mediation and arbitration, the AAA has the Commercial Mediation Rules, the Commercial Arbitration Rules, the Expedited Procedures, the Optional Procedures for Large, Complex Commerical Dispute, and the Optional Rules for Emergency Measures of Protection as amended and effective on September 1, 2000. In order to apply to the proceedings of commercial arbitration, the KCAB has the Arbitration Rules as amended by the Supreme Court on April 27, 2000, which have been changed to incorporate the revisions of the Arbitration Act that went into effect on December 31, 1999. There are some differences between the AAA's commercial Arbitration Rules and the KCAB's Arbitration Rules regarding the clauses of jurisdiction and administrative conference, number of arbitrators, communication with arbitrator, vacancies, preliminary hearing, exchange of information, oaths, evidence by affidavit and posthearing filing of documents or others, interim measures, serving of notice, form of award, scope of award, delivery of award to parties, modification of award, release of liability, administrative fees, neutral arbitrator's compensation, and expedited procedures. In conclusion, for the vitalization of KCAB and its ADR system, the following measures should be taken : the effective case management, the development of on0-line ADR, the establishment of ADR system of electronic commerce disputes, and the variety of dispute resolution rules in each expert field.

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KOSPI 상장기업의 업종별 BSC 도입효과 분석 : 주요재무 비율 및 투자규모 중심으로 (Analysis of BSC Adoption Effect by KOSPI listed Companies : Focus on Major Financial Ratios and Investment Scale)

  • 김주은
    • 경영과학
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    • 제34권3호
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    • pp.15-41
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    • 2017
  • The purpose of this study is to analyze the effects of the BSCs of 642 firms excluding the financial and insurance companies listed on KOSPI. The analysis of financial performance through analysis of major financial ratios between BSC and non-BSC firms is compared with the input of human and material resources for business growth. We will promote the spread of BSC and examine the areas differentiated performance improvement. The analytical categories are manufacturing, service, wholesale and retail, and information and communications, which are 2,136 business years out of 2,378 final analytical samples. The results of the analysis are as follows. As a result of the analysis, among the four industries analyzed, the industries that showed the best performance were manufacturing. In the case of service industry, growth and activity were lower than those of non-adoption (NA) companies, but the operating margin was significantly different from manufacturing. However, market value was higher than that of NA companies, and R&D expenditures and advertising expenses were significantly higher than NA firms. On the other hand, there was no significant difference in profitability between the BSC and NA firms, but the market value was very significant. EPS is 5.22 times, BPS is 5.64 times, PBR is 1.3 times, and EVA is 35 times higher. In addition, R&D expenditure and advertising expenditure are more than twice as high as those of NA. In the case of the service industry, there is no significant difference in the growth performance from the NA firms. Activity indicators, BSC introduced companies are three times lower than both the total assets turnover and the capital turnover rate. The operating profit margin was high at 45.8% for introduced companies and 37.2% for non-introduced companies. In market value analysis, only BPS was 1.68 times higher. On the other hand, investment in welfare expenses is 0.2% of total assets, which is relatively low compared to NA firms. However, research and development expenses and advertising expenses are 2.1% and 1.02% of total assets, respectively, but they are relatively lower than those of NA firms. Unlike the manufacturing and service industries, wholesale and retail trade was significantly higher than the NA firms in terms of sales growth and total assets growth rate. In terms of market value, EPS and BPS were significantly higher, but the benefits, R&D expenditures, and advertising expenses were lower than those of NA firms. The information and communication industry showed lower level of performance than the NA firms in all indicators except cash liquidity, BPS, and EVA.

독립보증상의 수익자에 의한 부당청구(unfair calling)에 관한 연구 (A Study on the Unfair Calling under the Independent Guarantee)

  • 오원석;손명옥
    • 무역상무연구
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    • 제42권
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    • pp.133-160
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    • 2009
  • In International trade the buyer and seller are normally separated from on another not only by distance but also by differences in language and culture. It is rarely possible for the performance of obligations to be simultaneous and the performance of contracts therefore calls for trust in a situation in which the parties are unlikely to feel able to trust each other unless they have a longstanding and successful relationship. Thus the seller under an international contract of sale will not wish to surrender documents of title to goods to the buyer until he has at least an assurance of payment, and no buyer will wish to pay for goods until he has received them. A gap of distrust thus exists which is often bridged by the undertaking of an intermediary known and trusted by both parties who will undertake on his own liability to pay the seller the contract price in return for the documents of title and then pass the documents to the buyer in return for the reimbursement. This is a common explanation of the theory behind the documentary letter of credit in which the undertaking of a bank of international repute serves as a "guarantee" to each party that the other will perform his obligations. The independence principle, also referred to as the "autonomy principle", is at the core of letter of credit or bank guarantee law. This principle provides that the letter of credit or bank guarantee is independent of the underlying contractual commitment - that is, the transaction that the credit is intented to secure - between the applicant and the beneficiary ; the credit is also independent of the relationship between the bank and its customer, the applicant. The most important exception to the independence principle is the doctrine of fraud in the transaction. A strict interpretation of the rule that the guarantee is independent of the underlying transaction would lead to the conclusion that neither fraud nor manifest abuse of rights by the beneficiary would constitute an objection to payment. There is one major problem related to "Independent guarantees", namely abusive or unfair callings. The beneficiary may make an unfair calling under the guarantee. The countermeasure of beneficiary's unfair calling divided three cases. First, advance countermeasure namely by contract. In other words, when the formation of the contract, the parties must insert the Force Majeure Clause, Arbitration Clause to Contract, and clear statement to the condition for demand calling. Second, post countermeasure namely by court. Many countries, including the United States, authorize the courts to grant an order enjoining the issuer from paying or enjoining the beneficiary from receiving payment under the guaranty letter. Third, Export Insurance. For example, the Export Credit Guarantees Department is prepared, subject to certain conditions, to cover the risk of unfair calling. Of course, KEIC in Korea is cover the risk of the all things for guarantees. On international projects, contractor performance is usually guaranteed by either a standby letters of credit or Independent guarantee. These instruments will be care the parties.

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