제3보험의 가입 요인: 간병보험을 중심으로

박복희 ( Bok-hee Park ),전희주 ( Heuiju Chun ) 한국리스크관리학회 2018 리스크 管理硏究 Vol.29 No.3

고령사회 진입과 소득수준의 향상은 장기 생존 시 필요로 하는 노후 자금과 노후간병기에 대한 필요자금의 준비욕구를 증가 시키고 있다. 본 연구는 장기간병보험 가입자 예측모형 적합을 통해 계약분석을 하였다. 간병보험 가입율은 31.3%로 가입자 1인당 약 1.4건의 계약을 보유하고 있으며 생명보험을 통해서 2배이상 더 많이 가입하고 있었다. 상품유형은 간병보험을 단독으로 보장하는 중점보장형태보다 특약부가 형태를 더 선호하는 것으로 나타났다. 다중로지스틱 회귀모형에 의한 분석 결과, 간병보험 가입에 가장 큰 영향을 주는 요인은 질병보험 보유이고 두 번째 요인이 상해(재해)보험의 보유이었다. 또한 월 납입보험료가 높은 고객일수록 간병보험 가입가능성이 높아져 간병보험 가입률에 영향을 주지만 연 의료비 지출액은 간병보험 가입률에 영향을 미치지 않았다. 보험소비자의 생활 패턴으로는 규칙적인 운동을 할수록 간병보험 가입 가능성이 높게 나타나 건강한 사람은 역선택이 아닌 순선택(advantageous selection)을 할 수 있는 가능성을 보여준다. 인구통계학적 요인으로는 거주지, 연령, 세대주 유무 순으로 결정되었다. 거주지가 서울, 대구, 광주 지역일수록 세대주일수록 간병보험 가입가능성은 큰 현상을 보였다. 연령은 50대가 간병보험 가입 가능성이 가장 높고 60대 이상과 20대는 낮은 결과를 보였다. 50대의 7천만원~1억원의 소득을 가진 대도시에 거주하는 세대주 그룹을 간병보험 가입자의 특성으로 볼 수 있다. 이들은 규칙적인 운동과 질병보험 가입으로 적극적으로 건강리스크를 관리하고 있다. The entry of the aging society and the improvement of the income level are increasing the need to prepare the necessary funds for nursing the aged and the old age funds needed for long-term survival. In this study, the contract analysis is performed through the fitting of the long-term care insurance buyer forecasting model. The rate of nursing insurance coverage is 31.3%, with 1.4 contracts per person, more than twice as many as life insurance. The product type showed preference to the special supplement type rather than the guarantee type that guarantees the care insurance alone. As a result of the analysis by the multiple logistic regression model, the most important factor for the participation in long-term care insurance is disease insurance and the second factor is injury (accident) insurance. In addition, the higher the monthly premiums, the higher the possibility of joining long-term care insurance, which affects the rate of long-term care insurance coverage. As the life pattern of the insurance consumers, the more likely they are to exercise regularly, the more likely they are to buy long-term care insurance. However, the annual medical expenditure did not affect the long-term care insurance coverage rate. In the life pattern of insurance consumers, the more regular exercise, the higher the possibility of nursing insurance coverage, and the healthy person shows the possibility of making an advantageous selection rather than the adverse selection. Demographic factors were determined by the residence, age, and householder. In Seoul, Daegu and Gwangju regions and case of householder, the possibility of joining long-term care insurance showed a big phenomenon. Age is likely to be in the 30s to 50s for long-term care insurance, but it is lower for those in their 60s and 20s. Householder, lives in a big city with an income of 70,000 and 100 million won in the 30s and 50s and monthly household expenditure premium of over 1 million won can be regarded as a characteristic of long-term care insurance policy contractor. They actively manage health risks through regular exercise and disease insurances.

수술 후 갈증 및 구강건조증을 호소하는 대상자의 구강간호 표준화를 위한 근거기반간호 사례

박복희(Park, Bok-Hee),김현숙(Kim, Hyeon-Sook),박윤주(Park, Yun-Ju),김은희(Kim, Eun-Hee),임경춘(Lim, Kyung-Choon) 한국근거기반간호학회 2020 근거와 간호 Vol.8 No.1

석문일월무예 음양보법의 숙련성에 따른 보행 패턴의 하지 운동학 및 운동역학적 특성

박복희 ( Bok Hee Park ),김기형 ( Ky Hyoung Kim ) 한국운동역학회 2014 한국운동역학회지 Vol.24 No.3

The purpose of this study was to quantify kinematic and kinetic characteristics of Yin-yang Bo gait according to their motor expertise, one of the Seokmun Ilwol martial art gait patterns. Yin-yang Bo gait pattern shows initial forefoot contact instead of heel contact, and increased time of stance phase time, internal-external rotation of ankle-knee-hip joints and pelvic. It aims to produce and store the more energy through continuous homeostasis of center of gravity (COG) and performance of stretch-shortening cycle. Some of these characteristics also were similar to the gait modification strategies for reducing knee adduction moment such as toe-out progression, medial thrust, internal rotation of hip joint. To identify the characteristics, four factors of expert Yin_yang Bo gait performance group were compared to that of none expert group; 1) angles of COG displacement and rotation 2) distal joint pre-rotation in internal-external rotation of ankle-knee-hip joints and pelvic, 3) invariability pelvic potential and pelvic segment total energy 4) knee abduction moment. Six healthy(three male) subjects participated in the experiment to perform Yin-yang gait pattern. Three-dimensional and force plate data were collected. Kinematic and kinetic data were compared between two groups using t-tests. Results showed that 1) the peak point of COG internal rotation angle was reduced in expert group, 2) kneeexternal and hip joint -internal and pelvic rotation angle peak frames were more near points in expert group.

석문일월무예 음양보법의 안정성에 대한 보행 패턴 분석

박복희(Park, Bok-Hee),유경석(Yoo, Kyoung-Seok) 한국체육과학회 2014 한국체육과학회지 Vol.23 No.5

The purpose of this study was to quantify the specific stability of Yin-yang Bo walking according to their motor expertise, one of the Seokmun Ilwol martial art walking patterns. To identify the characteristics, four factors of expert Yin_yang Bo walking performance group were compared to that of normal walking; 1) medial-lateral displacement of toe-path, 2) angles of COG and ankle rotation, 3) ant- post ground reaction force, 4) ankle and hip adduction-abduction moment. Six healthy subjects participated in the experiment to perform Yin-yang walking and normal walking. Three-dimensional and force plate data were collected. Kinematic and kinetic data were compared between two groups(Yin_yang Bo walking and normal walking) using t-tests. Results showed that 1) the medial-lateral displacement of toe-path in Yin_yang Bo walking were increased, 2) angles of COG and ankle rotation were reduced, 3) ant- post ground reaction force are increased, 4) ankle adduction-abduction moment were increased in Yin_yang Bo walking. According to this study, Yin-yang Bo walking pattern shows initial forefoot contact instead of heel contact, and increased time of stance phase time, internal-external rotation of ankle-knee-hip joints and pelvic. And produces the more increased whole body balance through continuous homeostasis of COG.

저축성 보험과 보장 보험에서의 소비자의 채널 선호 분석: 구매의사결정과정을 중심으로

박복희 ( Bok Hee Park ),전희주 ( Heuiju Chun ) 한국보험학회 2017 保險學會誌 Vol.109 No.-

본 연구의 목적은 보험소비자의 구매의사결정과정의 단계별로 영향력을 행사하는 하위 요소들을 파악하여 마케팅전략을 제공하는데 있다. 분석툴은 Engel et. al. (1986)의 EBM 모델을 기반으로 본 연구자가 제시하는 모형을 사용하였다. 보 장성보험과 저축성보험의 보험 상품 구매의사결정과정의 단계별 선호채널과 그 이 유는 무엇인지 카이제곱검정과 대응분석을 통해 확인하였다. 각 단계 내에서는 저 축성보험과 보장성보험간의 선호채널의 차이는 없으나 단계별 선호채널이 달라지 는 것을 볼 수 있다. 저축성보험과 보장성보험 모두 정보탐색과 대안평가 단계에 서는 인터넷채널이 구매단계에서는 설계사채널이 가장 많이 이용되었다. 채널선호 이유는 저축성보험과 보장성보험 모두 동일하게 접근성과 편리성으로 나타났다. 또한 설계사의 영향력에 의하여 의사결정과정이 생략되는 것을 확인하였다. 구매 후 평가단계에서 저축성보험과 보장성보험 간에 만족과 불만족에 대한 의사표현 경로는 차이가 없으나 의사표현을 함에 있어서 만족보다는 불만족인 경우에 더 적 극적임을 알 수 있다. 만족 시 의사표현은 가족 · 지인, 보험설계사 경로를 이용하 고 불만족 시 의사표현은 콜센터,보험설계사 경로를 이용한다. 대응분석결과 보장 성보험은 불만족에 저축성보험은 만족에 가까운 것으로 나타났다. The purpose of this study is to provide a marketing strategy that functions as a step-by-step decision-making process on the purchase of insurance consumers` search for sub-components. The analysis tools used the model presented by researcher based on the EBM model of Engel et al. (1986). At the step-by-step decision-making process for purchase as to coverage insurance and saving insurance, this research identifies favorite channels and their reasons by using statistical chi-square tests and correspondence analyses. There is no difference in preference channels between saving insurance and coverage insurance but preference channels are differently chosen in each step-by-step decision-making process. At the information collecting and the alternative assessment stage internet channel is most preferred, while at the buying stage insurance planner channel is most preferred. The reasons of channel preference are accessibility and convenience at saving and coverage insurance. Also, it is confirmed that some of the step-by-step decision-making processes for purchase are omitted by the insurance planner`s influence. At the stage of post-purchase evaluation, there is no difference in channels to express satisfaction and dissatisfaction between saving and coverage insurance, but there exists difference in channels to express dissatisfaction than satisfaction. The channels such as family acquaintance or insurance planner are used to express insurance customers` satisfaction, while the channels such as call-center or supervisory agency are used to express their dissatisfaction. As the result of correspondence analysis, coverage insurance is close to dissatisfaction while saving insurance is very close to satisfaction.

유치원 교사역할의 중요성 및 수행에 대한 초등학교 교사의 인식

윤기영(Yoon Ki-young),박복희(Park Bok-hee) 한국열린유아교육학회 1999 열린유아교육연구 Vol.4 No.1

유치원교사 역할에 대한 공ㆍ사립유치원교사의 인식비교

윤기영,송석희,박복희 서원대학교 교육대학원 2000 교육논총 Vol.4 No.-

The purpose of this study is that public kindergarten teachers and private kindergarten teachers perceive the kindergarten teachers' role and related degree of role importance, and as looking into what is difference recognition of kindergarten teachers and private kindergarten teachers . To achieve the study purpose, investigator choose the study method by the questionnaire. It consisted of 47 items reflecting the 6 areas of roles. To perform this study, In order to conduct this study we gave several test's to 135 public kindergarten teachers and 137 private kindergarten teachers in chunk-buk province by either in person or by mail, By using the SPSS/PC+ program it resulted to the T-test, the oneway ANOVA and the Tukey after inspection. The result of this study is as follows. 1. We discovered that public kindergarten teachers had a conscious recognition of the importance of their roles and had pride in what they wear Therefore the support for extension of specialization will lead into positive effiency for their roles performance as teachers. 2. Both public kindergarten teachers and private kindergarten teachers have a high recognition in the importance of kindergarten' roles which led into the sympathetic response to each other that they be closely connected with each other. 3. According to the related transformation cause. between the public kindergarten teachers and private kindergarten teachers group. kindergarten teachers role recognition has a little difference of related teacher's age and educational career.

중년여성의 스트레스와 갱년기 증상과의 관계

이영숙,박복희 여성건강간호학회 2000 여성건강간호학회지 Vol.6 No.3

This study of purpose was to define the relationship between the stress and climacteric symptoms of middle-aged women in order to provide basic data for the development of women's health care program as nursing intervention. The research tools used were a Soon-Young Park's stress questionnaire (4 points scale) and a self diagnostic MENSI scale (3 points scale) developed by a research team of Ill-Yang Pharmacy Co. This research was conducted in Korea in Muan-Gun. Chonnam province, from 22th November to 20th December 1999. The research used a survey design. Seven hundred eleven healthy middle-aged women, aged 40 to 64, and were a convenience sample by stratified ratio using the matching fixed residential and aging blocks. The data were analyzed by GLM. Pearson correlation coefficient and Scheffe test using SAS/ PC+. The results were summarized as follows : 1. The percentage of psychological stress with the following items was: fatigue and enervation, 70.0%; nervous, 61.8%; weakness, 58.5%; The percentage of physical stress with the following items were ; fatigue of eye. 82.3%; backache, 78.0%; headache, 73.8%. 2. The level of psychological stress was 40% of below average level (0-5 points), 31.7 of average level (6-12points), 20.8% of precaution level (13-19points), and 7.5% of warning level (over 20points). The level of physical stress were 20.1% of below average level (0-5 points), 34.8 of average level (6-12 points), 29.4 of precaution level (13-19 points), and 15.7% of warning level (over 20 points). There were higher physical stress level than psychological stress level of the subjects. 3. The percentage of climacteric symptoms with the following items were : numbness, 75.3%; forgetfulness, 71.0%; pain of joints, 71.0%. The level of climacteric symptoms were 61.8% of mild level 1(10-15 points), 33.0% of moderate level (16-30 points), 5.2% of severe level (over 31 points). 4. There were high positive correlations significantly between the climacteric symptoms and the psychological stress (r=. 564. P$lt;0.000), and between the climacteric symptoms and the physical stress of the subjects(r=. 678, P$lt;0.000). 5. There were significant differences in the climacteric symptoms of the subjects among below average level, average level, precaution level, and warning level of the psychological stress (F=74.108. P$lt;0.000. Scheffe test). 6. There were significant differences in the climacteric symptoms of the subjects among below average level, average level and precaution level, and warning level of the physical stress ((F=128.181, P$lt;0.000, Scheffe test). In summary, climacteric symptoms complained by middle-aged women are high positive correlated to the level of the stress. Also climacteric symptoms were affected by stress