연생연금보험의 장수리스크에 관한 연구

오창수 ( Changsu Ouh ),이현정 ( Hyunjung Lee ) 한국계리학회 2017 계리학연구 Vol.9 No.2

본 연구에서는 미래사망률의 추정에 자주 사용되는 Lee-Carter(LC)모형을 이용하여 미래사망률을 산출하고, 제8회 경험생명표 적용 대비 보험사에서 판매하는 연생형 연금보험에서의 준비금을 기준으로 장수리스크 변화를 비교 분석하였다. 산출결과 주피보험자 40세(남자)일 때 현행 준비금 대비 장수리스크를 고려한 준비금 증가비율(V_LR^LC)이 단생형 7.842%, 연생형 8.358%로 분석되어, 연생형 연금보험에서 장수리스크가 더 큰 것으로 나타났다. 이는 연생형 연금보험에서는 주피보험자 및 종피보험자의 사망률로 산출된 연금이 지급되므로, 주피보험자 및 종피보험자의 사망률 개선영향을 받기 때문이다. 또한, 연생형 연금보험에서는 주피보험자 및 종피보험자의 연령차가 클수록 총 연금지급기간이 길어지기 때문에 장수리스크는 증가하는 반면에, 연금지급 보증기간이 길수록 사망률에 영향을 받지 않는 연금지급기간이 길어 장수리스크는 감소하는 것으로 분석되었다. Longevity risk is the risk the insurance company has to implement cash flow for the future as the mortality has improved under the Solvency Ⅱ. In this paper, the longevity risk is calculated in joint and last survivor annuity product applying the mortality from Lee-Carter model(LCM) comparing from the one from the 8th experience mortality table(EMT). We show estimation parameters of LC model using Korean mortality data from year 2001 to 2015. Longevity risk of joint and last survivor annuity was 8.358% of Best Estimate Liability(BEL) by the 8th experience morality table(EMT) while longevity risk of single life annuity was 7.842% of BEL by the 8th experience morality table(EMT). This is because in joint and last survivor annuity the mortality of both the insured and the second insured affects the payment of annuity. The mortality improvement influences both the insured and the second insured in joint and last survivor life annuity but in the single annuity the morality of the insured is the only factor affected. We also see the change of longevity risk as the discount rate, age, the gap of ages between the insured and the second insured and the different annuity payment guaranteed period so on.

불교, 한의학 그리고 통합완화의료

심현정 ( Sim¸ Hyunjung ),이예준 ( Lee¸ Yejun ),김재은 ( Kim¸ Jaieun ) 사단법인 한국교수불자연합회 2021 한국교수불자연합학회지 Vol.27 No.2

본 논문에서는 외국과 우리나라의 호스피스·완화의료 현황과 특징을 비교해 보고, 우리나라 완화의료에서 불교와 한의학이 어떠한 역할을 할 수 있는지 알아보고자 한다. 호스피스란 임종이 임박한 환자가 편안하고 인간적인 죽음을 맞을 수 있도록 질병의 치료보다 고통과 증상의 완화에 초점을 두는 신체적·정신적·사회적·영적 돌봄을 말한다. 불교와 한의학은 모두 호스피스의 관점을 가지고 있다. 한의학의 현상론적 질병관에서는 관찰되는 증상들이 곧 질병이며, 사기(邪氣)의 제거보다 정기(正氣)의 강화를 더 중요시한다. 또한 한약과 침은 특히 암 관련 증상인 메스꺼움, 구토, 식욕 저하, 피로 등에 효과 있어 여러 나라에서 완화의료에 사용되고 있다. 불교와 완화의료는 현재에 초점을 두며 고통을 다루는 것이 공통점이다. 대만은 세계에서 불교의 호스피스 참여도가 가장 높으며 불교의 마음챙김명상은 심신 치유와 질병 예방의 측면에서 활발히 연구되고 있다. 따라서 영적 돌봄에 대한 관심이 적고 서양의학 위주인 우리나라 완화의료는 호스피스의 정의에 맞는 전인적 돌봄을 위한 통합완화의료로 나아가기 위해 불교와 한의학을 더 적극적으로 활용할 필요가 있다. The aim of this study is to compare current status and characteristics of hospice·palliative care in Korea with that of other countries, and discuss possibilities of Buddhism and Korean medicine in Korean Hospice Care area. Hospice·Palliative care provide physical, mental, social, and spiritual care, which focuses on alleviating pain and symptoms rather than remission of disease for terminally ill patients. Both Buddhism and Korean medicine have hospice perspective. In Korean medicine's phenomenological view, observed symptoms comprise a disease itself and strengthening Jung-Gi(正氣) is more emphasized than removing Sa-Gi(邪氣). Furthermore herbal medicine and acupuncture are adopted in hospice care in many countries due to beneficial effects on cancer-related symptoms such as nausea, vomiting, loss of appetite and fatigue. Buddhism and palliative care focus on the present and deal with pain in common. Especially, Taiwan shows the most active participation in the Buddhistic hospice in the world, and Buddhist mind-body meditation is remarkably studied in terms of mental and physical healing and disease prevention. While western medicine which plays a dominant role in current hospicepalliative care lacks in interests on spiritual care and quality of life of patients. Therefore, it is necessary to utilize Buddhism and Korean medicine more actively toward integrated palliative care, in order to meet the definition of hospice

Synthesis of carbon nanotube fibers using the direct spinning process based on Design of Experiment (DOE)

Lee, Sung-Hyun,Park, Junbeom,Kim, Hye-Rim,Lee, Taeseon,Lee, Jaegeun,Im, Yong-O.,Lee, Cheol-Hun,Cho, Hyunjung,Lee, Hyeseon,Jun, Chi-Hyuck,Ahn, Yu-Chan,Lee, In-Beum,Lee, Kun-Hong Elsevier 2016 Carbon Vol.100 No.-

<P>The optimum synthesis conditions for carbon nanotube (CNT) fibers were investigated using the Design of Experiment (DOE) technique. Direct spinning processes are governed by a variety of experimental factors: the methane flow rate, ferrocene flow rate, sulfur flow rate, hydrogen flow rate, water flow rate, and reaction temperature. The process was optimized in two stages that addressed first the Fractional Factorial Design (FFD) and then the Response Surface Methodology (RSM). Results from each experiment were classified according to a 6-step rating system: nothing(1), black gas(2), dust(3), ribbon or film(4), fiber(5), or continuous fiber(6). In the first step, three major factors (methane, sulfur, temperature) were identified as important among the six experimental factors tested using FFD. The effects of the major factors and the interactions were analyzed through the main effect plot and the interaction plot. In the second step, the experimental conditions were optimized using a model equation derived from Box-Behnken design experiments. Finally, the CNT fibers were continuously synthesized under the optimum conditions. The synthesized CNT fibers mainly consisted of single-walled CNTs (SWCNTs) 1.2 -3.8 nm in diameter. The I-G/I-D ratio of the CNT fibers was 48. This work provides a useful methodology for synthesizing the CNT fibers. (C) 2016 Elsevier Ltd. All rights reserved.</P>

Detection of Novel Coronavirus on the Surface of Environmental Materials Contaminated by COVID-19 Patients in the Republic of Korea

Lee Sang-Eun,Lee Deog-Yong,Lee Wook-Gyo,Kang ByeongHak,Jang Yoon Suk,Ryu Boyeong,Lee SeungJae,Bahk Hyunjung,Lee Eungyu 질병관리본부 2020 Osong Public Health and Research Persptectives Vol.11 No.3

This study aimed to determine the presence of SARS-CoV-2 on surfaces frequently touched by COVID-19 patients, and assess the scope of contamination and transmissibility in facilities where the outbreaks occurred. In the course of this epidemiological investigation, a total of 80 environmental specimens were collected from 6 hospitals (68 specimens) and 2 “mass facilities” (6 specimens from a rehabilitation center and 6 specimens from an apartment building complex). Specific reverse transcriptase-polymerase chain reaction targeting of RNA-dependent RNA polymerase, and envelope genes, were used to identify the presence of this novel coronavirus. The 68 specimens from 6 hospitals (A, B, C, D, E, and G), where prior disinfection/cleaning had been performed before environmental sampling, tested negative for SARS-CoV-2. However, 2 out of 12 specimens (16.7%) from 2 “mass facilities” (F and H), where prior disinfection/cleaning had not taken place, were positive for SARS-CoV-2 RNA polymerase, and envelope genes. These results suggest that prompt disinfection and cleaning of potentially contaminated surfaces is an effective infection control measure. By inactivating SARS-CoV-2 with disinfection/cleaning the infectivity and transmission of the virus is blocked. This investigation of environmental sampling may help in the understanding of risk assessment of the COVID-19 outbreak in “mass facilities” and provide guidance in using effective disinfectants on contaminated surfaces.

Profiling of steroidal metabolic pathway in human plasma by GC-MS/MS-dMRM combined with solid phase extraction

Hyunjung Lee,Wonwoong Lee,Youlee Kim,Taehoon Lee,Bong Chul Chung,Jongki Hong 한국분석과학회 2020 학술대회논문집 Vol.2020 No.6

Atrial fibrillation risk in metabolically healthy obesity: A nationwide population-based study

Lee, HyunJung,Choi, Eue-Keun,Lee, Seung-Hwan,Han, Kyung-Do,Rhee, Tae-Min,Park, Chan-Soon,Lee, So-Ryoung,Choe, Won-Seok,Lim, Woo-Hyun,Kang, Si-Hyuck,Cha, Myung-Jin,Oh, Seil Elsevier/North-Holland Biomedical Press 2017 International journal of cardiology Vol.240 No.-

<P><B>Abstract</B></P> <P><B>Background</B></P> <P>Metabolically healthy obese (MHO) individuals are reported to have a marginal increase in cardiovascular risk; however, their atrial fibrillation (AF) risk is unclear. We aimed to assess AF risk in MHO individuals and identify whether AF development is associated with obesity or influenced by metabolic comorbidities.</P> <P><B>Methods</B></P> <P>A retrospective cohort of 389,321 individuals (age, 45.6±14.5years; male, 52.1%) was extracted from the Korean National Health Insurance sample database between 2004 and 2006 and followed-up for new-onset AF until 2013. Subjects with diabetes mellitus, hypertension, and/or dyslipidemia were classified as “metabolically unhealthy.” The cohort was stratified into four groups according to obesity and metabolic healthiness: metabolically healthy non-obese (MHNO), metabolically unhealthy non-obese (MUNO), MHO, and metabolically unhealthy obese (MUO).</P> <P><B>Results</B></P> <P>AF was newly diagnosed in 5106 (1.3%) individuals during a mean follow-up of 7.5±1.5years. The AF incidence rates for the MHNO, MUNO, MHO, and MUO groups were 0.76, 2.66, 1.10, and 2.88 per 1000 person-years, respectively. Compared with the MHNO group, the MHO group had increased AF risk (adjusted hazard ratio, 1.30; 95% CI, 1.14–1.48) on multivariate analysis. One fourth of the MHO cohort became metabolically unhealthy, contributing to increased AF risk. Obesity was an independent risk factor for AF, and increased AF risk by 20%. Metabolic unhealthiness increased AF risk by around 40%, and of its components, hypertension contributed the most.</P> <P><B>Conclusions</B></P> <P>MHO individuals are at increased risk for AF development, and obesity was independently associated with elevated AF risk.</P>

A Reconfigurable and Portable Highly Sensitive Biosensor Platform for ISFET and Enzyme-Based Sensors

Ikho Lee,Seung-Woo Lee,Ki-Young Lee,Chanoh Park,Donghoon Kim,Jeong-Soo Lee,Hyunjung Yi,Byungsub Kim IEEE 2016 IEEE SENSORS JOURNAL Vol.16 No.11

<P>This paper presents a portable low-cost biosensor platform for ion-sensitive field-effect transistor (ISFET) and enzyme-based sensors. To meet various demands of diagnosis, our portable platform is designed to perform cyclic voltammetry, amperometry, and linear sweep voltammetry for enzyme-based sensor and ISFET sensor. For compatibility with various sensors which require various electrical driving schemes, our system can be easily reconfigured by simple switches. In addition, with disposable printed-circuit-board packages, sensors can be easily replaced. Our platform was tested with various sensors in various measurement methods. In cyclic voltammetry test with a model analyte K3Fe(CN)(6), a graph provided by our system has 4.79% relative error at a current peak compared with the data acquired by a 18 times more expensive commercial system. In cyclic voltammetry and amperometry tests with the laccase enzyme-based sensors, our system achieved sensitivities of 341 and 500 mu A/mM/cm(2), respectively. By running a sensitive SiNW ISFET on our platform in linear sweep voltammetry, we could build a low-cost portable pH sensor system.</P>

지하수위 변동에 따른 고속철도 콘크리트궤도의 침하 영향 검토

이현정(Hyunjung Lee),최영태(Yeong-Tae Choi),이일화(Ilwha Lee),이민수(Minsoo Lee),이태규(TaeGyu Lee) 한국철도학회 2017 한국철도학회논문집 Vol.20 No.2

겨울철 제설시스템을 통한 일본 홋카이도 지역의 태양광 발전 피해 방지 실증 실험

이현정(Hyunjung Lee),이승일(Seungil Lee),정성대(Seongdae Jeong),이병우(ByoangU Lee),서민상(Minsang Seo) 한국신재생에너지학회 2018 한국신재생에너지학회 학술대회논문집 Vol.2018 No.11

Fabrication of porous and interconnected structures for efficient energy devices via diverse coating methods

Hyunjung Lee 한국고분자학회 2016 한국고분자학회 학술대회 연구논문 초록집 Vol.41 No.2