• 제목/요약/키워드: longevity bond

검색결과 12건 처리시간 0.023초

코호트 사망률을 이용한 장수채권 가격산출 (Longevity Bond Pricing by a Cohort-based Stochastic Mortality)

  • 조재훈;이강수
    • 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.

평균회귀확률과정을 이용한 2요인 사망률 모형 (A Two Factor Model with Mean Reverting Process for Stochastic Mortality)

  • 이강수;조재훈
    • 응용통계연구
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    • 제28권3호
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    • pp.393-406
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    • 2015
  • 본 논문은 2요인(two-factor) 사망률 모형에 평균회귀모형(mean reverting process)을 적용하여 2요인의 확률적 변동을 모형화하여 사망률리스크(mortality risk)와 장수리스크(longevity risk)를 분석하였다. 최근 고령사회로 진입한 국가들에서 사망률 개선의 둔화가 관측되고 있는 시점에서 기존의 선형증가 또는 감소의 사망률 개선 모형을 보완함에 그 목적을 두었다. 영국의 1991~2015년 사망률 자료를 이용하여 제시한 모형의 모수를 메트로폴리스 알고리듬을 이용해 추정하였고 추정된 모수 값을 이용하여 다수 시뮬레이션을 통하여 장기간의 미래 사망률 예측값을 계산하였다. 평균회귀 모형의 특성으로 인해 약 60년의 시간이 지난 뒤부터는 사망률 개선이 거의 사라져 사망률이 일정한 값에 근접하였다. 사망률 개선이 둔화되는 현상이 관측되는 특정 집단(국가, 사회)의 경우 2요인 평균회귀 모형은 장기간 사망률 예측방법의 대안으로 간주될 것으로 기대되며, 모형의 응용으로서 평균회귀율의 추정결과로부터 사망률 개선의 속도를 계량화하는 기준을 제시하였다. 끝으로, 2014년~2040 기간의 사망률 예측값을 이용하여 25년 만기 장수채권의 발행가격을 산출하였다.

비귀금속합금 표면처리방법과 레진시멘트 종류가 접착인장강도에 미치는 영향에 관한 연구 (A STUDY OF TENSILE BOND STRENGTH ACCORDING TO VARIED TREATMENT METHODS OF NONPRECIOUS METAL SURFACE AND RESIN CEMENTS)

  • 양태진;임주환;조인호
    • 대한치과보철학회지
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    • 제34권2호
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    • pp.335-348
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    • 1996
  • Retention is one of the major factors deciding the success and longevity of resin bonded restorations. The purpose of this study was to find a better resin cement and metal surface treatment method that would enhance the bonding strength. The bonding surfaces of Verabond, one of Ni-Cr-Be alloys, were treated with sandblasting(Group 1), sandblasting and EZ-Oxisor(Group 2), sandblasting and silicoating(Group 3), and than thay were bonded with All-Bond C & B, Panavia 21, Superbond C & B. The specimens were thermocycled, and the tensile bond strength was measured using the unive-rsal testing machine. Also the mode of bond failure was observed. The results were as folows. 1. The Superbond C & B showed the highest bond strength among the three resin cements and decreased in the order of Panavia 21, All-Bond C & B. There was significant differe-nce among them(p<0.05). 2. Group 3 showed the highest bond strength among the three metal surface treatment methods, and there was significant difference compared with Group 1 and Group 2(p<0.05). But there was no significant difference between Group 1 and Group 2. 3. Observing the mode of bond failure, Superbond C & B and Panavia 21 showed mostly cohesive failure in all groups. All-Bond C & B showed all types of bond failure in Group 3, but Group 1 and Group 2 showed only adhesive failure. 4. According to the results of this study, the silicoating method and 4-META containing resin cement were considered to be more acceptable for resin bonded restoration.

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상아질 접착에 대한 matrix metalloproteinase (MMP)의 영향과 이를 극복하기 위한 전략 (Effects of matrix metallproteinases on dentin bonding and strategies to increase durability of dentin adhesion)

  • 이정현;장주혜;손호현
    • Restorative Dentistry and Endodontics
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    • 제37권1호
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    • pp.2-8
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    • 2012
  • The limited durability of resin-dentin bonds severely compromises the longevity of composite resin restorations. Resin-dentin bond degradation might occur via degradation of water-rich and resin sparse collagen matrices by host-derived matrix metalloproteinases (MMPs). This review article provides overview of current knowledge of the role of MMPs in dentin matrix degradation and four experimental strategies for extending the longevity of resin-dentin bonds. They include: (1) the use of broadspectrum inhibitors of MMPs, (2) the use of cross-linking agents for silencing the activities of MMPs, (3) ethanol wet-bonding with hydrophobic resin, (4) biomimetic remineralization of water-filled collagen matrix. A combination of these strategies will be able to overcome the limitations in resin-dentin adhesion.

Bond strength of self-adhesive resin cements to composite submitted to different surface pretreatments

  • dos Santos, Victor Hugo;Griza, Sandro;de Moraes, Rafael Ratto;Faria-e-Silva, Andre Luis
    • Restorative Dentistry and Endodontics
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    • 제39권1호
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    • pp.12-16
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    • 2014
  • Objectives: Extensively destroyed teeth are commonly restored with composite resin before cavity preparation for indirect restorations. The longevity of the restoration can be related to the proper bonding of the resin cement to the composite. This study aimed to evaluate the microshear bond strength of two self-adhesive resin cements to composite resin. Material and Methods: Composite discs were subject to one of six different surface pretreatments: none (control), 35% phosphoric acid etching for 30 seconds (PA), application of silane (silane), PA + silane, PA + adhesive, or PA + silane + adhesive (n = 6). A silicone mold containing a cylindrical orifice ($1mm^2$ diameter) was placed over the composite resin. RelyX Unicem (3M ESPE) or BisCem (Bisco Inc.) self-adhesive resin cement was inserted into the orifices and light-cured. Self-adhesive cement cylinders were submitted to shear loading. Data were analyzed by two-way ANOVA and Tukey's test (p < 0.05). Results: Independent of the cement used, the PA + Silane + Adhesive group showed higher microshear bond strength than those of the PA and PA + Silane groups. There was no difference among the other treatments. Unicem presented higher bond strength than BisCem for all experimental conditions. Conclusions: Pretreatments of the composite resin surface might have an effect on the bond strength of self-adhesive resin cements to this substrate.

교정용 접착제의 인장강도 (TENSILE STRENGTH OF ORTHODONTIC DIRECT BONING ADHESIVES)

  • 권오원
    • 대한치과교정학회지
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    • 제12권1호
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    • pp.15-20
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    • 1982
  • 저자는 비교적 최근내 개발되어 시판되고있는 3가지 교정용 접착제를 교정을 위해 발치한 25개씩의 소구치에 접착하여 24시간후에 인장강도를 측정한 결과, 다음과 같은 결론을 얻었다. 각 제품의 평균인장강도는 교정력과 구강내에서 발생할 수 있는 외력의 합인 $29kg/cm^2$ 보다 높았으며, 제품C는 제품B, A보다 통계학적으로 높은 인장강도를 보이나, 제품B와 제품A는 통계학적으로 유의한 차가 없었다. 접착제가 떨어진 양상은 접착제가 치아와 bracket에 부분적으로 붙어서 떨어진 것이 가장 많았고 $(68\%)$, 접착제가 bracket에만 붙어서 떨어진 것 $(22.7\%)$, 접착제가 치아에만 붙어서 떨어진 것$(9.3\%)$순으로 나타났다.

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A quantitative analysis about microleakage of all-in-one adhesive

  • Kang, Yong-Hee;Shin, Dong-Hoon
    • 대한치과보존학회:학술대회논문집
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    • 대한치과보존학회 2003년도 제120회 추계학술대회 제 5차 한ㆍ일 치과보존학회 공동학술대회
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    • pp.574-574
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    • 2003
  • I. Objectives Newly all-in-one adhesives were developed for reducing the techique sensitivity and chair time, but lots of concerns were made on bondability, longevity, and microleakage. The object of this study was to measure micro leakage and marginal quality of all-in-one adhesives using electrochemical method and SEM analysis quantitatively. II. Materials and Methods After making Class V cavities, they were bulk filled with Heliomolar(#A1) after surface treatment with three adhesives:Adper Prompt (Group 1), One up bond F (Group 2), Xeno III(Group 3).(omitted)

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수중 보관이 접착용 레진의 물리적 성질에 미치는 영향 (The Influence of Water Storage on Mechanical Properties of Adhesive Resin)

  • 김원찬;이광원;이정;유미경;김정희
    • 구강회복응용과학지
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    • 제22권2호
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    • pp.193-202
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    • 2006
  • Objective To evaluate the influence of water storage on the mechanical properties of dental adhesives over 1 and 3 months. Materials and Methods Adhesive resin sheets were prepared by pouring either All-bond 2(AB), Clearfil SE Bond(SE) into a mold measuring $15{\times}15{\times}0.9mm$. After solvent in primer evaporation, the adhesives were light-cured and removed from the mold and divided in two pieces, trimmed to hourglass shape that were used to determine the micro-tensile strength(MTS). Another hourglass shaped metal mold measuring $2.0{\times}1.5mm$ in cross-section area was made to determine the Young's modulus(E). Adhesive specimens for Young's modulus(E) were prepared in the same method. Specimens were stored at $37^{\circ}C$ in distilled water and tested after 1 and 3 months. The data were analyzed by one-way ANOVA and Tukey's test. Results Water storage significantly decreased the micro-tensile strength(MTS) of AB and SE specimens after 1 and 3 months(P<0.05). The Young's modulus(E) were also decreased after water storage for 1 and 3 months, but statistically not significant in each group of AB and SE group respectively. Conclusions Long-term exposure of adhesive resin to water can cause reduction of mechanical properties. It may compromise resin/dentin bonds and affect longevity of restorations.

올인원 접착제의 미세누출에 관한 정량적 분석 (A QUANTITATIVE ANALYSIS ABOUT MICROLEAKAGE OF ALL-IN-ONE ADHESIVES)

  • 강용희;신수일;신동훈
    • Restorative Dentistry and Endodontics
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    • 제29권1호
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    • pp.66-72
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    • 2004
  • All-in-one adhesives were recently developed for reducing the technique sensitivity and chair time, but lots of concerns were made on bondability, longevity, and microleakage. The object of this study was to evaluate microleakage and marginal quality of all-in-one adhesives using electrochemical method and SEM analysis quantitatively. After making Class V cavities, they were bulk filled with Heliomolar(#A1 after surface treatment with three adhesives: Adper Prompt (Group A), One up bond F (Group O), Xeno III (Group X) Electrical conductivity (microamphere, ${\mu}A$) was checked two times: before and after cavity filling. Percentage of leaky margin was estimated from SEM image (${\times}1,000$). The data were statistically analysed: ANOVA and Paired T test for electrical conductivity, Kruskal-Wallis and Mann-Whitney test for marginal quality, Spearman s rho test for checking of relationships between 2 methods. The result were as follows: 1. There was no difference in microleakage between adhesive systems and every specimen showed some of microleakage after filling. 2. Microleakage was reduced about 70% with composite resin filling. 3. Marginal quality was the best in group A. decreasing among groups in the following order: group O, followed by group X. There were significant differences between group A and group X (p=0.015), and between group 0 and group X (p=0.019). 4. There was no relationship between the microleakage measured by electrochemical method and marginal quality measured by SEM analysis. Within the results of this study, there was no difference in microleakage among groups by electrical conductivity. However, significant difference in marginal quality was seen among groups. It was believed that these dissimilar results might be induced because of their own characteristics. Analysis of microleakage needs various methods for accuracy.

열순환 후 상아질 접착 계면의 수분 투과성 변화에 대한 정량적 분석 (QUANTITATIVE COMPARISON OF PERMEABILITY IN THE ADHESIVE INTERFACE OF FOUR ADHESIVE SYSTEMS)

  • 장주혜;이기욱;김혜영;이인복;조병훈;손호현
    • Restorative Dentistry and Endodontics
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    • 제34권1호
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    • pp.51-60
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    • 2009
  • 본 연구는 현재 시판 되고 있는 여러 개의 상아질 접착제를 임상 술식에서와 같은 방법으로 사용한 다음 열순환 후 접착계면의 변화를 관찰 비교하고자 했다. 발거 한지 한 달 이내인 대구치 28개의 교합면 상아질 표면에 4종의 상아질 접착제 (OptiBond FL [OP], AdheSE [AD], Clearfil SE Bond [CL], Xeno III [XE]) 중 하나를 적용한 뒤 복합 레진 (Premisa, Kerr) 을 1 mm 두께로 올린 후 광중합 하였다. $4^{\circ}C$ 증류수에서 6일간 보관한 뒤, 치아의 정중선으로부터 수직으로 절단 하여 그 중 절반의 치아에서 2 mm 두께의 시편을 얻은 다음 남은 반쪽의 치아는 10,000회의 열순환을 가한 뒤 ($5^{\circ}-55^{\circ}$, 침지 시간 25초, 대기 시간 5초) 같은 방법으로 2 mm 두께의 시편을 얻었다. 연마한 시편을 24시간 동안 50% ammoniacal silver nitrate solution에 담근 다음 photo-developing solution에서 8시간 동안 환원시켰다. 계면을 가로지르는 5개의 line상에서 wavelength dispersive spectrometry (WDS) detector를 이용하여 주사전상에 있는 원소들의 중량비를 계산하였다. 또한 열순환 전과 후의 시편에서 얻어진 5개의 silver 측정치를 서로 비교하였다. 열순환 전의 접착제층(adhesive layer)에서는 OP에서 가장 적은 silver의 투과가 관찰되었으며 (p < 0.0001), CL, AD, XE 순으로 투과 량이 증가함을 보였다. 혼성층 (Hybrid layer) 에서는 CL의 투과량이 가장 적었다 (p = 0.0039). 열순환 후에 접착제층과 혼성층에서 silver의 투과량은 증가하지는 않았다. Scanning electron microscopy (SEM) 사진을 통하여 각 시편의 접착 계면에서 접착제에 따른 특이적인 silver의 투과상을 관찰할 수 있었다. 전반적으로 OP 와 CL의 접착계면이 열순환 과정 중에도 온전히 유지됨을 볼 수 있었다. 접착 계면에서의 수분 투과 양상은 각 접착제에 따라 다른 형태를 보였으며 열 순환에 의해 유의할 만한 변화를 야기하지는 않았다.