아웃바운드 콜센터 최적화를 위한 사례연구

강중철,Kang, Jung-Chul 한국데이터정보과학회 2012 한국데이터정보과학회지 Vol.23 No.4

Recently, the rapid development of internet and information technology has led to rapid changes in many industries. One of the most rapidly developing industries is the call centers. Almost all public institutions, financial institutions including insurance companies, and shopping malls, many call center staffs are proceeding with the consultation. However, lack of call center staffs is leading to a lot of customers complaints. The function of outbound call centers such as promotion and sale of products is also arising some problems due to insufficient number of consulting staffs. In this study, we propose the call center model for maximizing the rate of call connection time and suggest the best way of call centers model to be the channel distributions using the data mining techniques.

사용량 패턴분석을 통한 패턴분석 DR 프로그램 운영방안에 대한 연구

강중철,이현우,Kang, Jung-Chul,Lee, Hyun-Woo 한국데이터정보과학회 2009 한국데이터정보과학회지 Vol.20 No.2

Recently the stable electric power supply is threaten by the rapid development of all the industries consuming a lot of electric power, thus KEPCO is trying to establish the countermeasures to cope with this circumstance of uprising power consumption by running the efficient and flexible 12-month s price policy for the base price and raisin the electric power price remarkably in peak power consumption period to suppress the maximal power demand of consumers. To resolve these problems, this study propose the method calculating hourly CBL based on the hourly amount at non-event using the pattern of the amount of power consumption and propose the operation method of DR Program.

생명보험회사에 대한 만족도, 신뢰도, 충성도에 영향을 미치는 요인 분석

강중철,정세창,Kang, Jung-Chul,Jung, Se-Chang 한국데이터정보과학회 2009 한국데이터정보과학회지 Vol.20 No.4

The purpose of this paper is to analyse the factors influencing satisfaction, reliance, and loyalty to the life insurance companies. The factors are divided into two categories: the characteristics of life insurance companies and sellers. Factor analysis and multiple regression is employed. Two factors are found in the analysis of the characteristics of life insurance companies. Those are quality and social liability of life insurance companies. One factor are extracted from the analysis of the characteristics of sellers. We also find each one factor in the factor analysis of satisfaction, reliance, and loyalty. The findings are summarized as follows. Firstly, the role of sellers are very important for the three performance variables, namely satisfaction, reliance, and loyalty. Secondly, the factor for social liability of life insurance companies is statistically significant to the satisfaction performance. Finally, The three explaining variables are statistically significant to the reliance and loyalty performance.

생존담보의 위험률차 리스크관리 개선방안에 관한 연구

강중철 ( Jung Chul Kang ),이도수 ( Do Soo Lee ) 한국계리학회 2009 계리학연구 Vol.1 No.1

DEA방법론에 의한 한국 생명보험산업의 비용효율성 분석

강중철 ( Jungchul Kang ) 한국계리학회 2016 계리학연구 Vol.8 No.2

We investigate the effect of introduction of the bancassurance system on cost efficiency in the Korean insurance industry between 1997 and 2012. Our estimation results indicate that introduction of this system contributed positively to efficiency of life insurance companies in Korea. The results illustrate that positive effects have accrued particularly to medium-sized companies and domestic companies, contrary to the prevailing perception that increased competition through bancassurance is more beneficial to large companies and foreign companies.

국내 자동차보험 산업의 언더라이팅 주기 분석 및 시사점

강중철 ( Jung Chul Kang ),성영미 ( Young Mi Seong ) 한국계리학회 2012 계리학연구 Vol.4 No.2

This is a research about the occurrence of the underwriting cycle for nine offline automobile insurance companies based on the combined ratio from 1997 to 2009. Venezian(1985)`s AR(2) model was used for this study. As a result, there did not occur the underwriting cycle in a company by the research. And the study showed that the underwriting cycle in the other companies was occurred between 4.20 to 7.21 years. The study confirms the trend of each insurance company`s loss ratio. Through careful analysis, each company can find how to manage risk by activating variables which decrease loss ratio and suppressing variables which increase loss ratio.

위험회피성향을 반영한 퇴직자산 지급방식 분석에 관한 연구 - Programmed Withdrawal 중심으로

여정미,강중철,성주호,Yeo, Jeong-Mi,Kang, Jung-Chul,Sung, Joo-Ho 한국통계학회 2010 Communications for statistical applications and me Vol.17 No.5

현 퇴직연금제도는 퇴직후 연금 지급방식에 대한 규정이 없다. 이에 대한 대안으로 연금 선진국에서 보편적으로 적용되고 있는 'Programmed Withdrawal'을 고려할 수 있다. 'Programmed Withdrawal'은 출금액의 산출방법에 따라 대표적으로 정액 방식, 정률 방식, 최종연령 방식 그리고 기대여명 방식으로 구분되며, 각 산출방식에 따라 인출할 수 있는 금액이 달라진다. 따라서 현행 자본시장통합법에 근거하여 가입자의 위험성향에 따른 투자성과를 반영하기 위하여 국내 금융자산의 기대수익률 그리고 제 6회 경험생명표을 적용한 실증분석을 실행하였다. 그 결과, 연령별, 성별로 적합한 자산투자비율이 다소 달랐으며 이로 인해 지급방식별 부족리스크와 상속재원이 달라질 수 있음을 확인할 수 있었다.

보험에 대한 대학생들의 인식수준에 관한 연구

정중영,강중철,Jeong, Jung-Young,Kang, Jung-Chul 한국통계학회 2009 응용통계연구 Vol.22 No.1

The purpose of this article is to measure the level of insurance industry's social cognition based on the university students' survey questionnaire. For this, this study analyzes the cognition of students on the level of social reliability, the causes of low reliability, and the measures of enhancing the reliability level about insurance industry. For the analysis of survey questionnaire, partially ranked data analysis was employed. The results show that most students recognize that the reliability of insurance industry is lower than that of other financial industry such as banks and securities firms. The main reason for this low reliability is the lack of sales forces' specialty, the complexity of insurance products and contracts, and negative media release about insurance industry. To enhance the social reliability level of insurance, establishment of the future insurance image is essential, and that can be achieved through strengthening the insurance education and public relations and simplifying insurance products and contracts.

한.미 FTA 정부조달 협정에 대한 국내 건설업체의 인식에 관한 연구

성주호,이진국,강중철,Sung, Joo-Ho,Lee, Jin-Kuk,Kang, Jung-Chul 한국데이터정보과학회 2009 한국데이터정보과학회지 Vol.20 No.6

The purpose of this study is to diagnose the level of perception of domestic construction companies about the US & Korea FTA completed in 2007. According to the survey results, the more innovative the construction company is and the stronger ownership the construction company has, the more actively preparing for FTA. Altogether, our construction companies have well recognised the inevitable impacts on the domestic construction industry. On the other hand, most of them are more or less negative about whether or not the FTA gives us a good chance to switch from domestic companies into global companies.

생명보험산업에서 상품 판매비중과 금리가 해약률에 미치는 영향에 관한 연구

정세창,오승철,강중철,Jung, Se-Chang,Ouh, Seung-Cheol,Kang, Jung-Chul 한국데이터정보과학회 2011 한국데이터정보과학회지 Vol.22 No.1

The purpose of this study is to analyse the influence of product portfolio and interest rate on the lapse ratio. This issue is very important because of the recent introduction of IFRS and CFP. The fixed-effect model and the random-effect model are estimated with using panel data and the Hausman test is employed in order to select a model. The results of this study is summarized as follows. Firstly, the random effect model is selected. According to the model, the lapse rate increases as the portfolio of savings plan, sickness, and death increases and the interest rate is high. Secondly, health insurance and variable insurance product show a negative relationship with the lapse rate.