• 경영과정보연구
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• 제26권
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• pp.261-291
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• 2008

The EU holds about 50% of exports and imports in the world trade of services. The insurance markets have undergone a significant consolidation in solvency rule, cross-border registration, and standardized accounts. In the EU-Korea FTA negotiations the EU is interested in mutual certification of qualifications as well as market liberalization of law, finance and distribution and so forth. When the negotiation with respect to the mutual certification of qualifications comes to a settlement, the two countries will drive it in service areas. Korea should examine european certification regulations and improve domestic insurance-related institutions. France is the focal country of the EU. The paper provides a comparative study of insurance markets and agents in France and Korea. The paper argues that Korea should initiate institutional changes and be transformed into an insurance service exporting country for the specialized insurance agents to move to EU countries.

• Journal of the Korean Data and Information Science Society
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• 제27권5호
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• pp.1337-1347
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• 2016

본 연구는 생명보험사의 핵심 영업채널의 역할을 하고 있는 보험설계사들에 대한 설문을 바탕으로 보험설계사들의 이직횟수에 영향을 주는 요인을 찾고자 한다. 반응변수 이직횟수는 계수자료 (count data)이기에 일반화선형모형의 하나인 포아송회귀모형을 통해 분석된다. 현 조직에서의 보험설계사 근무경력은 보험설계사의 이직횟수에 직접적인 영향을 주는 변수로 본 연구모형에서는 통제변수로 설정되었다. 포아송회귀모형 적합결과, 보험설계사 이직의 횟수에 가장 큰 영향을 주는 요인은 현재 속한 회사 (대리점)으로 나타났으며, 다음으로 연령, 보험설계사로 입사하게 된 동기, 월평균 소득, 월평균 신계약건수, 최종학력 순으로 나타났다. 보험설계사가 현재의 속한 조직이 대형생보사이면 이직의 횟수가 가장 낮고, GA (general agent, 독립대리점) 소속이면 이직의 횟수가 높아지는 경향을 보이고 있다. 연령은 적을수록 이직의 횟수는 증가하고 연령이 많을수록 이직의 횟수는 작아짐을 보여주었다. 보험설계사로 입사하게 된 동기는 친구, 친척, 가족 등 지인의 추천과 동료FP, 소장, 지점장 등의 권유이면 이직의 횟수는 작게 나타났고 단순한 경제적 수입의 니즈와 능력과 적성이 부합의 자발적인 경우는 오히려 이직의 횟수는 높게 나타났다.

• 한국콘텐츠학회:학술대회논문집
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• 한국콘텐츠학회 2006년도 춘계 종합학술대회 논문집
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• pp.118-121
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• 2006

보험상품 서비스의 중요성은 더욱 가중되고 있으며 보험 서비스에 대한 기존의 연구들은 구매행동, 라이프스타일에 대한 연구를 중심으로 이루어져 오고 있으며 최근에는 보험상품 서비스에 대한 연구의 지속적인 필요성이 대두된다. 따라서 본 연구에서는 기존의 연구들을 토대로 하여 보험상품 서비스의 특성으로서 보험사의 특성(보험사의 이미지, 정보제공, 보장성), 보험설계사의 특성(전문적 지식, 고객배려), 보험상품의 특성(상품의 다양성, 맞춤상품)이 고객만족에 어떠한 영향을 미치는 가에 대하여 살펴보고자 한다.

• Asia Marketing Journal
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• 제17권4호
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• pp.89-104
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• 2016

Based on the observation that insurance companies in Korea, unlike those in other financial sectors and those in other countries, dominantly use the agent-based push-type marketing strategy, this paper hypothesizes that difference in distribution systems originating from characteristics of financial products can lead to welfare asymmetry between financial institutions and customers, merely due to their financial matching. For this analysis, we employ a simple matching theoretic model, try to understand the welfare implications of distribution systems from a matching theoretic perspective, and analyze the bottom of negative perceptions of insurance industry. The proposed model suggests that this welfare asymmetry derives mainly from financial matching through the distribution systems, which implies that any efforts to improve the insurance industry must consider changes in the matching process, namely the distribution system. We hope that this paper complements and extends the existing literature on insurance distribution systems in terms of methodologies and research subjects.

• 무역상무연구
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• 제46권
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• pp.211-235
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• 2010

According to the commercial law in Korea, a marine cargo insurance contractor (policyholder, insured person, agent) has the duty to disclose risks before establishing an insurance contract and the obligation to notify changes in risks after before establishing the contract. Marine cargo insurance policy clauses include one about the obligation to notify changes in risks. This clause assumes that an insurance contract should be implemented according to what has been answered to the important questions asked by the insurer in connection with the insurant's duty to disclose before establishing an insurance contract, and it stipulates that, if any change in what has been disclosed should be notified to the insurer since it is regarded as a change in risks. Neglecting the obligation to notify may lead to the termination of the appropriate insurance contract by the insurer. The problems here concern the clauses about changes in risks and about the obligation to notify. The problems are like these. Can it be that the circumstances which might be seen in the past as changes in risks according to the territorial sea laws and institute cargo clauses stipulated long ago are considered as such still today? And a marine cargo insurance policy till valid when changes in risks have not been properly notified by the original discloser of risks to the insured who currently holds the marine cargo insurance policy, which, unlike other insurance policies, is a marketable security? In Korea, the commercial law has a clause the obligation to notify changes in risks established based on the territorial sea laws and institute cargo clauses. In this regard, this study aims to consider if the clause still valid today or not and, if not, to propose alternatives to the clauses.

• 보건행정학회지
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• 제30권3호
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• pp.409-417
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• 2020

Background: It is well known that the distribution of therapeutic materials is very complex. However, it is not easy to demonstrate the concrete problems caused by distribution channels empirically. The purpose of this study was to investigate the differences in the price of therapeutic materials according to the type of purchasing agency and the way in which medical institutions purchase therapeutic materials. Methods: This study compared the claimed prices and the maximum allowable prices for the items of therapeutic material used for general spinal surgery. Results: Ilsan Hospital, which purchased directly without a purchasing agent, had the lowest claimed prices, followed by a large professional purchasing agency, a foundation-related purchasing agency, and a general purchasing agency. In addition, the difference between the claimed prices and the maximum allowable prices according to the purchase type was larger in the expensive treatment materials, and in the case of the lower price treatment materials, it tended to converge to the maximum allowable prices. Conclusion: National health insurance spending for therapeutic materials are to be affected by the distribution channels of them. We proposed several ideas to rationalize the expenditure such as classification of therapeutic materials on the basis of price or other criteria.

• 한국재난정보학회 논문집
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• 제11권1호
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• pp.121-133
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• 2015

리스크 전가와 리스크 재무기법으로 많이 활용되는 전통적인 상업보험은 이자, 도박성, 불확실성을 내포하고 있다. Islamic Fiqh Academy는 1985년 전통적 상업보험이 이슬람 교리에 어긋난다고 판결하고 금지하였으며 대체방안으로 상호보험이나 타카풀보험을 권고하였다. 타카풀보험제도의 기본운영원리는 이슬람 공동체의 상호부조이다. 타카풀보험회사는 타카풀보험펀드를 설정하여 타카풀보험참가자(보험계약자)들의 위험관리를 위한 공동의 펀드로 운용하며 이는 타카풀보험회사의 주주펀드와 분리되어 운영된다. 타카풀보험회사는 단순히 타카풀보험계약을 관리하고 타카풀보험펀드를 투자하는 대리인 또는 운영자(operator)의 역할을 할 뿐이다. 타카풀보험은 전통적인 보험과 달리 보험운영 이익배당권, 임원선임권, 회계장부열람권이 부여된다. 따라서 국내기업이나 개인들은 리스크전가목적을 달성하는 한편 추가적인 혜택을 위하여 타카풀보험의 활용을 고려해야 한다.

• 한국임상약학회지
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• 제21권4호
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• pp.347-352
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• 2011

Health insurance review & Assessment service (HIRA) has enforced cutting the drug costs when physicians prescribe split extended release drugs, starting from December, 2010. The objective of this study is to analyze extended release and enteric coated drugs on pharmaceutical reimbursement list in Korea, and to investigate the impact and barriers of the health insurance review on splitting extended-release formulation drugs. By using the ingredient code, extended release and enteric coated formulations make up 7.8% of all drugs in April, 2011. The most frequently used drugs are agent affecting circulatory and digestive system. From the extended release and enteric coated formulations (n=112), 34.8% (n=39) were not available in other dosage forms. According to questionnaire survey for 169 pharmacists (response rate: 73.8%), the rate of splitting and crushing of extended release and enteric coated drugs decreased. When pharmacists correct physician's prescription errors, the biggest problem was lack of other dosage forms. So it is necessary to develop variety of other dosage forms, and computerized checking system for splitting extended-release drugs. It is also important to inform physicians and patients in regard to the problems of split prescription of extended release and enteric coated drugs.

• Journal of Preventive Medicine and Public Health
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• 제46권5호
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• pp.213-225
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• 2013

Objectives: The aim of this study was to evaluate the association between Agent Orange exposure and self-reported diseases in Korean Vietnam veterans. Methods: A postal survey of 114 562 Vietnam veterans was conducted. The perceived exposure to Agent Orange was assessed by a 6-item questionnaire. Two proximity-based Agent Orange exposure indices were constructed using division/brigade-level and battalion/ company-level unit information. Adjusted odds ratios (ORs) for age and other confounders were calculated using a logistic regression model. Results: The prevalence of all self-reported diseases showed monotonically increasing trends as the levels of perceived self-reported exposure increased. The ORs for colon cancer (OR, 1.13), leukemia (OR, 1.56), hypertension (OR, 1.03), peripheral vasculopathy (OR, 1.07), enterocolitis (OR, 1.07), peripheral neuropathy (OR, 1.07), multiple nerve palsy (OR, 1.14), multiple sclerosis (OR, 1.24), skin diseases (OR, 1.05), psychotic diseases (OR, 1.07) and lipidemia (OR, 1.05) were significantly elevated for the high exposure group in the division/brigade-level proximity-based exposure analysis, compared to the low exposure group. The ORs for cerebral infarction (OR, 1.08), chronic bronchitis (OR, 1.05), multiple nerve palsy (OR, 1.07), multiple sclerosis (OR, 1.16), skin diseases (OR, 1.05), and lipidemia (OR, 1.05) were significantly elevated for the high exposure group in the battalion/company-level analysis. Conclusions: Korean Vietnam veterans with high exposure to Agent Orange experienced a higher prevalence of several self-reported chronic diseases compared to those with low exposure by proximity-based exposure assessment. The strong positive associations between perceived self-reported exposure and all self-reported diseases should be evaluated with discretion because the likelihood of reporting diseases was directly related to the perceived intensity of Agent Orange exposure.

• 치위생과학회지
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• 제11권1호
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• pp.31-35
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• 2011

본 연구는 치과 의료기관의 건강보험 청구실태를 파악하여 향후 효율적인 치과 건강보험 청구관리를 위한 기초자료를 제공하고자 2010년 4월 20일부터 6월 20일까지 서울, 인천 경기, 부산 울산 및 일부 지역에 소재한 치과 의료기관을 대상으로 설문조사를 실시한 결과 다음과 같은 결론을 얻었다. 1. 치과 건강보험 청구형태는 병원 내 인력을 활용하여 청구하는 단독청구가 45.4% 응답하였으며, 대행청구 54.6%이었다. 청구자의 직종은 치과위생사 78.2%, 일반사무원 7.2%, 간호조무사 6.5%, 치과의사 4.5%, 기타 3.5%로 조사되었다. 청구건수는 200건 이하가 23.9%, 201건-400건이 40.3%, 401건 이상이 35.8% 이었다. 2. 청구건수에 의한 분석에서 청구 건수가 적은 경우일수록 대행청구는 하는 의료기관이 76.3%로 많았고 청구건수가 많을수록 단독청구의 비율이 높아졌으며, 개원기간에 따른 분석에서는 단독청구를 하는 의료 기관은 개원기간이 5년 이하인 경우 82.7%, 개원기간이 16년 이상인 경우 31.3%로 개원기간이 짧을수록 단독청구를 하는 의료기관이 많았다(p<0.000). 3. 병원 인력 수에 따른 분석에서 4인 이하인 경우는 단독청구가 25.4%, 대행청구가 74.6%로 대행청구가 많았으나 9인 이상인 경우에는 단독청구가 71.1%, 대행청구가 32.6%이었다(p<0.000). 4. 치과위생사 수에 따라 청구방식의 차이를 분석한 결과 치과위생사가 없는 경우는 86.5%가 대행청구를하고 있었으며 치과위생사 수가 많아질수록 단독청구 방식을 선택하고 있었으며 통계적으로 유의한 차이가 있는 것으로 분석되었다(p<0.000). 5. 치과 의료기관에서 대행청구를 하는 이유를 분석한 결과 복잡한 청구절차가 28.0%로 가장 많았으며 다음으로 청구업무의 실력부족 22.6%, 청구업무인력의 인재부재가 20.8%이었다.