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잔존 전치를 통해 수직고경을 결정한 양악 임시즉시의치 및 총의치 수복 증례
정세연,김성준,방대연 대한통합치과학회 2020 대한통합치과학회지 Vol.9 No.1
In patients who faced loss of all natural teeth, one of many choices is fabrication of interim immediate denture. This has a lot of clinical advantages. It can help the patient masticate and provide emotional stability because there is no need to stay edentulous without denture. In addition, it helps to maintain support and tension of muscles around mouth, vertical dimension when occlusion, and facial appearance. In this case of a 69-years-old male patient with few remaining anterior teeth which need to be extracted, interim immediate denture (IID) was used to improve patient’s convenience. Furthermore, maintenance of occlusal vertical dimension (OVD) and centric occlusion with existing interocclusal contacts was helpful. The final complete dentures showed appropriate vertical dimension and the patient was satisfied with the new dentures in respect of functional and esthetic aspects.
지속가능한 산림경영을 위한 몬트리올 프로세스 기준과 지표의 가용성과 적용성에 대한 분석
정세경(Se Kyung Chong),김외정(Wae Jung Kim),이봉수(Bong Soo Lee) 한국산림과학회 2001 한국산림과학회지 Vol.90 No.5
Since the development of a new paradigm of sustainable forest management, concerns have been focused on how the sustainability of forests will be assessed and measured objectively. This study examined the conceptual displacement on what is sustainability of forests, and analyzed the progress made by international and regional initiatives on criteria and indicators for sustainable forest management in terms of comparability and compatibility. Regarding data availability and applicability of criteria and indicators for sustainable forest management, the data reports gathered from Montreal Process member countries were analyzed. Within this context, Korean case were examined, using all possible existing information sources such as Forest Statistics, on 6 items of concepts of criteria and indicators, degree of difficulties, measurement units, data availabilities, problems and needs of future improvements for data gathering. The study also analyzed the applicability of criteria and indicators for sustainable forest management.
정세창,Jung, Se Chang 한국데이터정보과학회 2012 한국데이터정보과학회지 Vol.23 No.6
본 연구의 목적은 노후소득보장의 한 방안으로 퇴직급여 제도의 현황을 조사하고 퇴직연금의 연금화 방안을 제시하는데 있다. 연구방법으로는 설문조사를 바탕으로 회귀분석 및 교차분석의 실증분석과 외국사례를 사용한다. 교차분석 결과 자영업자와 저소득층의 은퇴준비는 심각한 수준인 것으로 나타났다. 자영업자의 경우는 개인형퇴직연금의 확대, 저소득층의 경우는 독일의 리스터연금과 같은 제도의 도입이 필요하다. 퇴직연금의 연금화 방안과 관련하여서는 호주와 영국의 사례를 참조하여 제도를 개선하여야 할 것이다. The purpose of this paper is to investigate the reality of the occupational pension and suggest annuitization over a lifetime of the occupational pension for the purpose of securing income after retirement. A survey and the empirical analysis such as regression and crosstabulation analysis are employed. An research on a case study of an advanced countries is also conducted. The crosstabulation analysis shows that the post-retirement amenities of the self-employed person and the lower income bracket are serious. Individual retirement pension is suggested for the self-employed person and Riester Pension in Germany is recommended for the lower income bracket. The cases in Australia and the UK are useful for annuitization over a lifetime of the occupational pension.
정세창 ( Sechang Jung ),안철경 ( Chulkyung Ahn ) 보험연구원 2018 보험금융연구 Vol.29 No.3
본 연구의 목적은 소비자보호를 위해 최근 영국, 미국과 호주에서 보험상품 볼완전판매를 감소를 위한 방안을 바탕으로 정책 제안을 하는 데 있다. 우리나라에서는 불완전판매를 줄이기 위해 불완전판매비율 공시, 적합성원칙 도입, 판매프로세스 개선, 수수료 제도의 개선 등 다양한 감독정책을 추진해 왔다. 이에 따라 불완전판매비율은 지속적으로 낮아지고는 있으나 여전히 소비자가 느끼는 불완전판매로 인한 피해는 줄어들지 않고 있다. 수요자 측면의 해외사례로 영국과 미국의 금융보험교육 의무화는 정보비대칭을 완화하여 장기적으로 불완전판매 감소에 도움이 된다. 상품판매 측면에서 영국의 RDR(Retail Distribution Review) 개혁과 호주의 금융서비스 개혁사례는 보수 체계 개편, 채널 전문성 제고 등 보험시장의 구조적 개혁을 통해 불완전판매를 줄이고자 하는 정책으로 효과적이었다고 평가된다. 해외 사례와 국내 감독정책을 기반으로 소비자보호를 위한 제언으로 첫째, 영국처럼 국회와 금융당국이 주최가 되어 학교 교육에 금융보험교육을 의무화를 추진해야 한다. 둘째, 상품 및 채널 개혁으로써 보험상품의 단순명확화, 상품별 채널 차별화 및 고아계약 관리를 위한 유지관리서비스 체제 구축이 필요하다. 셋째, 감독정책 측면에서 채널 보수교육을 개편하여 내실화를 도모하고, 수수료 제도의 개선 및 설계사의 불법승환에 대해 제재를 취할 수 있는 법적 근거를 명확히 하고, GA 등 판매조직의 내부통제 기능을 강화할 필요가 있다. The purpose of this paper is to propose the measures reducing the misselling of insurance products for protecting consumers based on them which have been recently devised in the UK, the US, and Australia. In order to reduce the misselling in Korea, we have implemented various supervisory policies such as disclosing the misselling ratio, adopting the suitability rule, improving the sales process, and changing the commission payment structure. As a result, the misselling ratio is steadily declining, but consumer still feels the damage caused by the misselling. On the consumer side, mandatory financial and insurance education in the UK and the US mitigate information asymmetry and helps to reduce incomplete sales in the long run. In terms of product sales, the UK's Retail Distribution Review (RDR) reform and Australia's financial services reform were effective in reducing the misselling through structural reforms in the insurance market, including a reorganization of the pay system and upgrading channel expertise. The proposals are as follows: First of all, the financial literacy education should be mandatory at school, which is carried out by the National Assembly and the financial authorities as the UK. Second, as product and channel reform, it is necessary to simplify insurance products, differentiate channels by products, and enforce maintenance service system for policies not maintained by financial planner, so-called orphaned policies. Third, in terms of supervisory side, it is necessary to reform channel maintenance education, clarify the legal basis for improving the commission system and the sanctions against twisting or churning, and strengthen the internal control of GA.