국내·외 신용생명보험제도 비교 분석 연구

임소영(So Young Lim) 성균관대학교 무역연구소 2022 Asian Trade Risk Management(ATRM) Vol.5 No.2

국제금융협회(Institute of International Finance ; IIF)의 세계 부채 보고서에 따르면 한국의 GDP 대비 가계부채 비율과 가계부채 증가 속도는 세계 1위이다. 가계부채의 빠른 상승은 향후 금리 인상에 따라 가계의 이자 부담을 증가시키고, 전체 경제 성장의 발목을 잡는다. 한국은 대출자의 사망 등으로 대출금을 갚지 못할 경우 대출자의 상속인 등 가족에게 그 채무가 인수된다. 이와 같은 현실에서 대출 미상환과 빚의 대물림 상황을 예방할 수 있는 방법 중 하나는 신용생명보험 제도 활성화이다. 본 연구는 문헌고찰 방법을 주된 연구방법으로 사용하여 해외 주요국(미국, 영국, 일본, 프랑스, 독일)의 신용생명보험제도와 국내의 신용생명보험제도를 살펴보고 비교 분석하였다. 한국은 신용생명보험상품의 특수성을 반영하지 않은 일반화된 규제로 인하여 상품의 유용성에 비하여 발전이 낮은 편이다. 따라서 규제 완화 개선을 통하여 법제를 정비하여 신용생명보험상품이 건전하게 발전할 수 있는 환경을 만들어야 할 것이다. 또한, 신용생명보험 시장 활성화를 위하여 단체신용생명보험 발전이 필요할 것으로 보인다. According to the Institute of International Finance(IIF), Korea ranks first in the world in terms of the ratio of household debt to GDP and the rate of increase in household debt. A rapid rise in household debt increases the household’s interest burden as interest rates rise in the future and at last it hampers overall economic growth. In Korea, if the borrower fails to repay the loan due to the death, the debt is taken over by the borrower s heirs and other family members. In this reality, one of the ways to prevent loan repayment and debt inheritance is to activate the credit life insurance system. This study compared and analyzed the credit life insurance system of major foreign countries (USA, UK, Japan, France and Germany) and the domestic credit life insurance system using the literature review method. Korea is underdeveloped compared to the usefulness of credit life insurance products due to generalized regulations that do not reflect the specificity of the credit life insurance products. Therefore, it is necessary to create an environment in which credit life insurance products can develop soundly by reorganizing the legal system through deregulation and improvement. In addition, group credit life insurance development is expected to vitalize the credit life insurance market.

2015년 1월의 마지막날 베트남 하노이-하롱베이를 다녀와서

임소영(So-Young Lim) 대한토목학회 2015 대한토목학회지 Vol.63 No.4

창조하는 인(人)

임소영(So-Young Lim) 대한토목학회 2011 대한토목학회지 Vol.59 No.7

기관 삽관을 시행한 조산아에서 발생한 상악 유전치의 발육이상 : 증례보고

임소영(So Young Lim),김성오(Seong Oh Kim),이제호(Jae-Ho Lee),김익환(Ik Hwan Kim) Asia association of Disability and Oral health 2019 International Journal of Disability and Oral Healt Vol.15 No.1

본 증례 보고는 기관 삽관 경험이 있는 조산아에서 상악 유전치의 발육장애가 나타난 증례이다. 본 증례들에서는 기관삽관으로 인해 치관 형태 이상, 법랑질 결함, 맹출 지연이 나타났다. 또한 치배의 변위로 인한 맹출 경로 이상, 치근 만곡, 후속 영구치의 비정상적인 치근 형성도 나타났다. 이환 치아에 대해서는 예방적 수복치료 및 관리, 적절한 시기에 발치를 고려해야 한다. 소아치과의사는 삽관 경험이 있는 조산아에서 나타날 수 있는 상황에 대해 이해하고, 적절한 개입을 통해 구강건강 증진을 도모해야 한다. Preterm infants have higher possibility of undergoing endotracheal intubation after birth than normal children due to medical conditions. Developmental disturbances of primary incisors following intubation can occur as crown malformation, enamel defects, delayed eruption, displacement of dental follicle in crypt, groove formation of palate or alveolar ridge, acquired cleft palate, and dental arch distortion. This clinical report presents the effect of intubation on primary dentition of preterm infants. A 2-year-old girl with cerebral palsy and premature birth history visited our clinic with chief complaint of unerupted primary upper incisor. A 1-year-old boy with cerebral palsy, status epilepticus and premature birth history visited our clinic due to crown malformation. Developmental disturbances of primary incisors in these cases were not related to the patients’ systemic disease, and there were no history of dental trauma. A long term endotracheal intubation prior to tooth eruption might have caused local trauma on alveolar ridge. It is very important to monitor dental problems of preterm infants who had experienced endotracheal intubation during neonatal period. Due to influences on both primary and permanent teeth, periodic re-evaluation of affected areas and establishment of comprehensive treatment plans are necessary.

전래아기놀이의 영아교육적 함의

임소영 ( So Young Lim ),김은주 ( Eun Ju Kim ) 한국아동교육학회 2010 아동교육 Vol.19 No.2

전당뇨병 성인에서 나트륨 섭취와 복부비만과의 상관관계

임소영(So Young Lim),양수진(Soo Jin Yang) 한국식품영양과학회 2014 한국식품영양과학회지 Vol.43 No.5

본 연구는 국민건강영양조사 2010년 자료를 이용하여 우리나라 만 30세 이상 성인을 대상으로 공복혈당에 따라 정상군, 전당뇨병군, 당뇨병군으로 나누어 각 군에서 나트륨 섭취량과 복부비만과의 상관성을 분석하고자 하였다. 분석 결과, 전당뇨병군에서 나트륨 섭취와 복부비만 관련 지표인 허리둘레가 유의적인 양의 상관관계를 보였으며, 특히 전당뇨병 고나트륨군의 경우 당뇨병 관련 임상지표인 공복혈당, 공복인슐린, HOMA-IR 수치가 높아질수록 복부비만 발병 위험 또한 유의적으로 증가하였다. 본 연구는 당뇨병과 여러 관련 합병증으로 이행될 위험이 높은 전당뇨병 대상자에서 나트륨 섭취와 복부비만 간 상관성을 밝혔다는 점에 의의가 있다. 우리나라 전당뇨병 성인의 경우 나트륨 섭취 수준이 높다고 분석되었으므로 추후 연구에서는 전당뇨병 대상자를 위한 지속적인 나트륨 섭취량 모니터링과 함께 나트륨 섭취가 복부비만과 당뇨병에 미치는 인과관계와 그 기전을 밝힐 수 있는 연구가 필요하며, 이를 통해 당뇨병과 여러 관련 합병증의 예방 및 관리를 위한 적절한 식사지침과 효과적인 영양교육을 제시할 수 있을 것으로 사료된다. The objective of this study was to assess the relationship between dietary sodium intake and prevalence of abdominal obesity in Korean adults. We used data from the Korea National Health and Nutrition Examination Survey Ⅴ-1 and analyzed data on 4,475 Koreans (≥ 30 years old). Subjects were divided into three groups according to fasting plasma glucose (FPG): 1) normal (FPG <100 mg/dL), 2) pre-diabetes (100 mg/dL≤ FPG ≤125 mg/dL), and 3) diabetes (FPG ≥126 mg/dL or subjects diagnosed with diabetes). The subjects in each category were stratified by dietary sodium intake as well as index of abdominal obesity. We found that dietary sodium intake was positively correlated with waist circumference (WC) (P=0.002) and was particularly high in the pre-diabetes group. In multiple logistic regression analysis, the normal and diabetes groups showed no association between dietary sodium intake and WC, whereas the pre-diabetes group with a high sodium intake exhibited a significant association (odds ratio (OR)=1.479, P=0.029) between dietary sodium intake and WC. Further, the OR for abdominal obesity in the high sodium intake group with pre-diabetes was 1.590 after adjusting for age and sex (P=0.012). In addition, the ORs for the prevalence of abdominal obesity with fasting glucose, fasting insulin, and homeostasis model assessment of insulin resistance were significantly higher in the pre-diabetes group with high sodium intake compared with low sodium intake. Moreover, these associations were significant even after adjusting for confounding variables (model 2: age and sex; model 3: age, sex, and total energy intake). Our results suggest a strong association between sodium intake and abdominal obesity in pre-diabetes Korean adults.

후두신경통 환자에서 시행한 경피적 제 2 경추신경절 절제술 - 증례보고 -

임소영(So Young Lim),김수관(Su Gwan Kim),신근만(Ke 대한통증학회 1996 The Korean Journal of Pain Vol.9 No.1

Radiofrequency thermocoagulation(RF) techniques are safe and effective methods as com- pared to neurodestructive procedure. Other advantages are: ability to perform RF lesions under local or sedative anesthesia, rapid recovery period, low incidence of morbidity and mor- tality, ability to r#epeat RF lesions, and leaves no significant scarring. We performed C2 ganglionotomy by RF lesion generator on a patient, suffering post-trau- rr.atic occipital neuralgia, as the patient did not respond to conservative therapies such as. trig- ger point injection, TENS, cryotherapy and stretch, occipital nerve block, C2 ganglion block. Prognostic nerve block was performed usng local anesthetics. Excellent effect was conformed before C2 ganglionotomy. This procedure was performed under fluoroscopy. Type RCK-2A Rosomoff Cordotomy kit was used to stabilize the head and neck. Postoperatively, the patient was free of occipital pain and head motions no longer triggered pain. To date, the patient remains symptom free except for some cervical discomfort.

꿈꾸는 도전

임소영(So Young Lim) 대한토목학회 2023 대한토목학회지 Vol.71 No.8

QLF-D를 이용한 장애 아동 보호자의 구강위생관리 교육

임소영(So Young Lim),이고은(Koeun Lee),최병재(Byung-Jai Choi),이제호(Jae-Ho Lee) Asia association of Disability and Oral health 2017 International Journal of Disability and Oral Healt Vol.13 No.2

The primary responsibility for the oral hygiene of the disabled is usually the parents. Dental care of the disabled is early detection and recovery of lesions and continuous management. For this to be successful it is necessary to use diagnostic tool that can detect the early stages of dental caries which is difficult to detect with the naked eye. It is also important to educate and motivate the caregivers on oral hygiene management. Quantitative Light-induced Fluorescence-Digital (Billuminator, Inspektor Researh Systems BV, Amsterdam, The Netherlands), which provides overall caries inspection and visual information, can be useful for caregiver education. A 3-year-old girl who was hospitalized with Pallister-Killian syndrome, Hypothyroidism visited our clinic with chief complaint of rugged upper incisors. This girl had multiple dental caries and oral hygiene was very poor. Periodic QLF-D images were taken to provide caregiver education and oral hygiene management was improved. A 13-year-old girl with cerebral palsy visited our clinic for regular check up. Using QLF-D, we explained to the parents that there is a need for treatment of dental caries, and education of oral hygiene management was conducted. Improvement of oral hygiene in the disabled can be achieved through caregiver education. QLF-D is a diagnostic device that can detects early caries by irradiating light in the visible ray area to the teeth. It can also detects microleakage of restoration, plaque and calculus without disclosing agent. Clinicians can use the QLF-D to perform a general oral examination for the disabled. Also, QLF-D can be used to store visual information and educate caregivers. The accumulation of information using QLF-D makes it possible to provide feedback on oral care of parents, which is more advantageous for caregivers education.

신재생에너지분야 전문가의 지불의사액 조사 연구

임소영(Lim, So-Young),허은녕(Heo, Eun-Nyeong) 한국신재생에너지학회 2008 신재생에너지 Vol.4 No.4

This study uses contingent valuation method (CVM) to elicit willingness to pay monthly for electricity or heating produced by renewable energy (RE). The experts who participated in the conference of the Korean Society for New and Renewable Energy in May of 2008 were asked to answer the questionnaires: how much would you be willing to pay monthly to receive electricity (or heating) generated by RE? We find some evidence that the respondents have higher willingness to pay for RE electricity than RE heating even if the average electric bills were lower than the heating bills. The respondent who belongs to a large family and has a good opinion of RE tends to show high willingness to pay for both RE electricity and RE heating.