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RISS 인기검색어
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- 저자 : Travis P. Mountain (검색결과 2 건)
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Health Interventions and Misuse of Cervical Cancer Screening among Young Women
김남훈,Travis P. Mountain 사단법인 한국융합기술연구학회 2023 아시아태평양융합연구교류논문지 Vol.9 No.6
Despite the guidelines for the proper usage of cervical cancer screening, majority of young women misuse the screening methods, which can harm their health. To avoid the misuse, there is a need for empirical evidence to explore effective interventions. Hence, this study investigated the effect of the three health-related intervention and cognitive constructs: a doctor’s recommendation, knowledge of human papillomavirus (HPV), and HPV vaccination, on the misuse of three cervical cancer screenings: too-early screening, unnecessary HPV tests, and unnecessary annual Papanicolaou (Pap) tests among young women. This study examined the 2015 National Health Interview Survey (NHIS) collected by the Centers for Disease Control and Prevention (CDC) in the United States (N=1,776). Three types of dependent variables were considered relating to the misuse of cervical cancer screenings based on the U.S. Preventive Services Task Force (USPSTF) guideline. Multinomial logistic regression models were employed to estimate the coefficients, odds ratio, and relative risk ratios. The recommendation of health professionals played a significant role in not only receiving Pap smears at the proper usage, but when improper advice was given, can also induce unnecessary HPV testing and too-early and too-frequent Pap smear screening. HPV vaccination encouraged compliance with the recommendations, including Pap smears alone (without simultaneous HPV testing) and at a proper frequency, while it also induced screening misuse, including unnecessary HPV testing simultaneous with Pap smears. In addition, having heard of HPV increased the likelihood that women underwent Pap smears at a proper frequency while also inducing unnecessary HPV testing and screening overuse. To prevent young women from the misuse of cervical cancer screening, health professionals need to follow the recommendations proposed by experts. Also, public health authorities need to provide precise and correct information about appropriate cancer screening to young women.
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Annuity Puzzle and Role of Loss Aversion: Why are People Reluctant to Purchase an Annuity?
Namhoon Kim(김남훈),Travis P. Mountain 한국FP학회 2022 Financial Planning Review Vol.15 No.2
연금보험은 고객의 장수위험을 감소시키는 역할을 하지만, 연금보험 시장에서는 인기가 없다. 이 연구에서는 전망이론(prospect theory)과 위험회피 성향이 연금보험 가입에 미치는 영향을 수학적 접근과 실증분석을 통해 밝히고 시사점을 도출하고자 한다. 실증분석에 이용한 미국의 2012년 건강 및 은퇴 연구 자료에서는 연금보험 가입률이 낮아 일반 로지스틱 회귀모형을 이용할 수 없으므로 편의를 조정한 로지스틱 회귀모형을 이용하여 분석하였다. 분석 결과 손실회피성향이 높을수록 연금보험 가입률이 낮았다. 평균수명보다 오래 살아 연금보험으로부터 재무적 이득을 볼 가능성과 비교하여 평균수명보다 적게 살아 연금보험에 가입하여 재무적 손실을 볼 가능성을 과대평가하는 경향이 있기 때문이다. 따라서 연금보험의 가입률을 제고하려면 재무설계사가 기대수명 시나리오와 현금 흐름을 고객이 이해할 수 있도록 쉽고 정확한 정보를 제공하고, 연금보험이 투자가 아닌 유용한 보험이라는 사실을 명확히 설명해야 한다. Although annuities can hedge the longevity risk with which retirees struggle, they are unpopular. This study focused on the Prospect Theory and the role of loss aversion to explain low annuity ownership using a straightforward mathematical approach and applying bias correction logistic regressions because of rare events of annuity ownership in the 2012 Health and Retirement Study (HRS). The estimation result showed that annuity ownership decreased as loss aversion increased. Pre-retirees were unwilling to own annuities because they overestimate a financial loss from an annuity from living shorter than their life expectancy while underestimating the gain from an annuity from living longer than their life expectancy. This is where the role of a financial planner may be critical. Helping clients understand their possible and probable life expectancies and cashflow needs can help shape the annuity puzzle.
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