• 의료법학
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• 제20권1호
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• pp.25-43
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• 2019

약가 인하 처분은 국민건강보험법령에서 정하는 직권 조정 사유가 있는 경우에 한하여 행정절차법이나 국민건강보험법령에서 정하는 행정 절차에 따라 내려진다. 그런데 약사법상 허가특허연계제도에 따라 후발의약품의 판매 시점이 달라짐으로 인하여 또는 약가 인하 처분에 대한 집행정지 신청의 인용 또는 기각 결정, 행정절차법이나 국민건강보험법령에 따른 행정 절차 진행 기간에 따라 약가 인하의 효력 발생하는 시점이 늦어지거나 빨라질 수 있다. 약가 인하의 효력 발생 시점이 늦추어지면 그만큼 제약회사가 이익을 얻고 반대로 국민건강보험의 보험자가 손실을 입는다. 반대로 약가 인하의 효력 발생 시점이 빨라지면 그만큼 국민건강보험의 보험자가 이익을 얻고 반대로 제약회사는 손실을 입는다. 그런데 그 이익이나 손실이 사후적으로 볼 때 부당하다고 평가될 수 있는 경우가 있다. 약가 인하 처분 사유는 동일한데 약가 인하의 효력이 발생할 때까지의 절차에서 발생하는 사정으로 인하여 제약회사나 국민건강보험의 보험자가 망외의 이익(windfall)을 얻고 그로 인하여 반사적으로 국민건강보험의 보험자나 제약회사가 손실을 입는다면 부당하다. 본고에서는 그 문제를 분석하고 이에 대한 해결 방안을 모색한다.

• 무역상무연구
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• 제66권
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• pp.285-312
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• 2015

Export and import of food, agriculture, forestry, fishery products are suffering from low growth rate due to the European financial crisis, global recession, and Japan's 2012 export expansion following the aftermath of 2011 earthquake. Upon the signing and enactment of Free Trade Agreement with the U.S. and the EU, agriculture and fishery product have become the center of attention. Agriculture and fishery was reported to be 80million dollars, 1.46% of total national export, in 2012. Starting from2000, South Korea's government began its effort to expand agriculture and fishery export and as a result, export has steadily increased despite decreased consumption led by global recession. K-Sure has started an insurance program with the purpose of promoting SME business's export. It protects SME business against risk arising from credit, emergency, bad debt, and domestic price increase. This study aims to evaluate the service quality of K-Sure's insurance program via surveying SME businesses in the agriculture and fishery industry. Also this study will identify key service factors for SME businesses and explore ways to expand SME exports of agriculture and fishery by analyzing consumer satisfaction index. Results indicated service product quality factor, service communication quality factor, and social quality factor was key to improving consumer satisfaction for SME businesses in agriculture and fishery industry. Service product quality factor had a negative effect on consumer satisfaction in term of variety and results indicated that service communication quality factor's responsiveness element had minimal impact on consumer satisfaction. Conversely, all elements for social quality factor had positive effects on consumer satisfaction. Thus, leading to the conclusion that improvements in service product quality factor and service communication quality factor will indeed increase consumer satisfaction.

• 한국임상약학회지
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• 제24권2호
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• pp.126-134
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• 2014

Purpose: This study was aimed to examine the financial effect of 2-tiered copayment system on annual expenditure of pharmacy benefit in the National Health Insurance (NHI) of Korea, focusing on oral antidiabetic medications. Methods: 284 oral antidiabetic products with 14 different active single ingredients listed in the National Formulary of NHI (August 2009) were assigned to tier 1 or tier 2 according to the selected criteria. 10 different combinations of coinsurance rates were selected to estimate the changes in drug expenditure cost of NHI. Results: The annual drug cost was estimated based on the drug price per unit listed in the National Formulary and the used amount of products in 2009 from the IMS Health data of Korea. In the combinations of coinsurance rate of 20% for tier 1 and 40% for tier 2, the total annual drug cost was estimated to be reduced by 1.3% in the case of no change of generic and original drug consumptions, and to be reduced by 4.3% in the case of 10% increased generic drug consumptions. Conclusion: The tiered copayment system with optimal coinsurance rates appears to be a potential strategy to reduce the financial burden of NHI in Korea by promoting the use of generic products.

• 대한지리학회지
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• 제40권6호
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• pp.631-652
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• 2005

본 연구는 내륙지방에 입지한 청주세관을 사례로 통관거점을 이용한 국제물류의 지역간 결합과 지역구조를 밝히는 것을 목적으로 한다. 청주내륙통관거점의 무역은 관할 배후지에 입지한 공업의 특색을 반영한다. 화물의 발착지는 수출입지로서, 특히 일본, 중국, 미국과의 거래가 탁월하다. 청주세관 관할지역의 화물 발착지는 인천공항과 부산항의 배후지와 지향지가 되며, 수출의 경우 부산항의 지향지가 넓고, 수입의 경우는 인천공항과 부산항의 배후지가 거의 비슷하다. 청주 내륙통관거점은 신속하고 저렴한 비용의 수출입 체제를 구축하고 있는데, 개개 기업의 화물의 종류나 기업의 물류체계가 다른 특성을 나타내고 있다. 국제물류의 지역구조는 하주기업이 각각 수출입화물에 대하여 독자적인 물류체제를 구축하는데, 보세공장과 보세창고에서 수출하는 형태로 크게 나누어진다. 보세창고에 의한 형태는 다시 해외생산거점과 분업을 하는 본선인도가격제, 해외생산거점과 분업을 하는 균일배달가격제의 형태가 있다. 이러한 현상은 본사와 해외법인간의 거래, 수출기업의 화물취급 주도, 저렴한 비용의 선택, 국제적 관행 때문에 일어난다.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.1-10
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• 2020

This study investigates the problem of outlier detection based on discrete wavelet transform in the context of time series data where the identification and treatment of outliers constitute an important component. An outlier is defined as a data point that deviates so much from the rest of observations within a data sample. In this work we focus on the application of the traditional method suggested by Tukey (1977) for detecting outliers in the closed price series of the Saudi Arabia stock market (Tadawul) between Oct. 2011 and Dec. 2019. The method is applied to the details obtained from the MODWT (Maximal-Overlap Discrete Wavelet Transform) of the original series. The result show that the suggested methodology was successful in detecting all of the outliers in the series. The findings of this study suggest that we can model and forecast the volatility of returns from the reconstructed series without outliers using GARCH models. The estimated GARCH volatility model was compared to other asymmetric GARCH models using standard forecast error metrics. It is found that the performance of the standard GARCH model were as good as that of the gjrGARCH model over the out-of-sample forecasts for returns among other GARCH specifications.

• 응용통계연구
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• 제28권4호
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• pp.703-719
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• 2015

본 논문은 평균회귀 2요인 사망률 모형에 코호트 효과를 반영한 개선된 확률론적 사망률 모형을 제시한다. 한국 남자의 사망률 자료를 바탕으로 가중평균최소제곱법과 메트로폴리스 알고리듬을 이용하여 사망률 모형을 추정한 결과 코호트 효과를 반영하는 것이 모형 적합도를 향상시킴을 발견하였다. 국민연금공단과 같은 연금사업자가 자신의 장수위험을 금융시장에 순차적으로 전가하는 수단으로서 옵션방식 이자지급 장수채권의 활용을 제안하고 발행채권의 가격 산출방법을 제시하는 것이 본 논문이 기여하는 점이다. 특히 생존지수에 의해 이자지급 현금흐름이 결정되는 장수채권 가격산출을 위하여 코호트 효과가 매우 중요한 요소임을 강조하였다.

• 한국유기농업학회지
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• 제21권2호
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• pp.139-155
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• 2013

The purpose of this study is to analyze the effects of abolishing the low-pesticide agricultural product certification on environmentally friendly farming. A survey was conducted to quantitatively analyze farming practices and factors that change farming practice. It was found that only 17.0% of low-pesticide fruit farmers said that they will change their farming practice into organic or pesticide-free farming. With regard to the factors of farming practice change, binomial logistic regression model was applied for the analysis. In the analysis, it was found that farmers who grow the low-pesticide agricultural product are more likely to change their farming practice into organic or pesticide-free farming, as their expected price of organic or pesticide-free products is high, their area size is small, price premium of low-pesticide agricultural product is low, the frequency of their training is high. It is necessary to enhance the direct payment system to enlarge organic and nonpesticide acreage, and pest management techniques for fruits should be developed for low-pesticide fruit farmers to change their practice into organic and nonpesticide practice. Dissemination of cultivation manual, introduction of insurance to farmers, improvement of certificate system, and advertising and marketing of environment-friendly agricultural products are useful to develop environment-friendly agriculture.

• 대한예방한의학회지
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• 제3권2호
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• pp.25-53
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• 1999

This study was conducted to provide basic data for policy of Oriental medicine by analyzing community residents' consciousness of taking herb medicine and its related factors. Data were collected from 1478 residents from March 2, 1999 to May 31, 1999. The results of this study are summarized as follows. 1. According to general characteristics of the subjects, 52.3% of the subjects was 'female'; 25.0% 'fifties of age'; 21.4% 'forties of age'; 20.9% 'thirties of ages'; 69.1% 'married'; 60.1% 'resident in a big city'; 12.1% 'residents in a small town or village'; 39.0% 'highschool graduate'; 35.9% 'above college graduate'; 23.4% 'housewife'; 23.4% 'professional' 34.1% 'Buddhist'; 81.1% 'middle class'. 2. The rate of experience of taking herb medicine was 85.2%(88.2% of 'male'; 82.5% of 'female'). It appeared to be significantly higher in the groups of 'the married', 'housewife', and 'Buddhist'. As the age increased, so the rate of experience of taking herb medicine was significantly high. 3. In case of purpose of taking herb medicine, taking herb medicine as a restorative(66.8%) was much higher than taking it as a curative medicine. Taking herb medicine as a curative medicine appeared to be significantly higher in the groups of 'male', 'thirties of age', 'resident in a town or village', 'above college graduate', 'professional technician', 'Christian', and 'the upper class'. 4. 52.1% of the respondents satisfied with the effect of herb medicine. The groups of 'male', 'older age', 'residents in a big city', 'insurant in company', and 'the employed' showed significantly high rate in satisfying with herb medicine than the other groups. 5. According to the reason for preferring herb medicine, 36.7% of the respondents preferred herb medicine because the herb medicine was effective, while 27.8% preferred it because its side effect was low. 16.7% preferred it. because persons around them recommended it. The preference for the herb medicine displayed significantly higher rate in the groups 'sixties of age', 'the unmarried', 'resident in a big city', 'office clerk', and 'the lower class'. 6. 42.6% of the respondents did not want to take the herb medicine because the price of the herb medicine was high. Also 20.6% of the respondents did not want to take herb medicine because it is uneasy to take herb medicine. 15.8% did not want to take it because certain foods should not be taken during the period of taking it. 9.4% did not want to take it because it tasted bitter. 7. In case of opinions on side effects of herb medicine, 40.8% of the respondents thinks that herb medicine is free from side effects, while 37.5% thinks that it causes side effects. There were significant difference in the opinions on side effects by sex, age, marital status, resident area, education level, occupation, and type of health insurance. 8. 60.7% of the respondents thinks the price of herb medicine is not resonable, while only 10.9% thinks it is resonable. 9. 14.2% of the respondents thinks health foods which contain herbs are good, while 16.8% thinks it is bad. 76.7% thinks that medicinal herbs in packages must be included in health insurance coverage, while only 3.0% thinks it needs not be included in health insurance coverage. 10. 45.2% of the respondents uses packs of decocted herbs although they think the packs of decocted herb are a little low effective because decocting herbs in home is bothersome. 45.2% uses packs of decocted herbs because they are convenient, being not related to the effect. 7.6% takes medicinal herbs after decocting them in a clay pot because they think the packs of decocted herbs have low effect. 11. According to the level of satisfaction with Oriental medical care, the respondents marked $3.47{\pm}0.64$ points on the base of 5 points. It was significantly higher in the groups of 'male', 'the married, resident in a big city', 'highschool graduate', 'the unemployed', 'office clerk', 'growing up in a big city', 'insurant in region', and 'the middle class'. 12. According to the result of a regression analysis of factors influencing preference for herb medicine, the factors displayed significant difference by sex, age, education level, health status, and times of receiving Oriental medical care. As shown in the above results, the community residents satisfy with the effect of herb medicine. Therefore, the method of taking herb medicine without difficulty must be devised. The medicinal herbs in packages need to be included in health insurance coverage and resonable price of herb medicine must be set. Also, education program for community residents must be developed in order to provide right information in herb medicine. Therefore, related public authority, associations, and professionals must make efforts, forming organic cooperative system.

• KDI Journal of Economic Policy
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• 제31권1호
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• pp.139-167
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• 2009

본 논문은 65세 이상 고령인구의 수와 노인들의 건강상태 등만을 중심으로 한 기존의 연구에 더하여, 노인장기요양보험제도 제2차 시범사업의 자료를 이용한 계량분석을 통해 장기요양서비스 수요의 결정요인을 분석하였다. 분석 결과에 따르면, 우선 노인장기요양보험제도상 장기요양서비스 이용에 대한 보험 적용 대상자를 정하는 등급판정에 일상생활활동에서의 장애가 노인들이 많이 앓고 있는 고혈압, 관절염, 치매 등의 질환을 통제하고서도 통계적으로 유의한 영향을 미쳤다. 또한 노인들의 건강상태, 여성, 기초생활수급자 여부, 노인가구 형태, 노인가구의 월평균 소득 등이 장기요양서비스이용 및 이용 양태에 통계적으로 유의한 영향을 미치는 것으로 나타났다. 특히, 노인가구의 월평균 소득을 통제하고서도 장기요양서비스를 무료로 이용할 수 있는 기초생활수급 대상 노인들의 재가서비스 이용확률이 높게 나타나는데, 이는 소득과 더불어 장기요양서비스의 가격도 장기요양서비스 이용을 결정하는 중요한 요인임을 의미한다.

• 무역상무연구
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• 제60권
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• pp.27-46
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• 2013

The Incoterms and United Nations Convention on Contract for the international Sales of Goods(CISG) allocate a risk in their articles. These rules make a decision that the parties who make a transaction are bound to bear the risk or damages of goods. Though a goods have a damages or loss during a transportation, buyer is liable for the payment of purchase price. In this case, this paper defines the meaning whether who can bear the risk under Incoterms and CISG. In the majority cases which deal between parties, after shipment or at the end of carriage, the loss or damages are found in buyer's hand. If a damages or loss is made during transit, customarily these risk are covered by insurance. Otherwise, these rules provide a tools for solving this problems. Then, between parties should be accomplished their target equitably.