Earticle

본 연구에서는 풍수해보험요율 산정을 위한 전국단위의 내수침수해석 방안을 제시하였다. 제시된 수정 Level-Pool침수해석은 실제 침수피해지역을 반영하고 내수침수 발생 범위를 한정하기 위해 도시계획 용도지역을 고려하였다. 수정 Level-Pool침수해석에 의한 내수침수지역과 풍수해저감종합계획의 내수재해위험지구와 비교를 통해 적용성을 검토한 결과 기존 Level-Pool침수해석과 비교하여 내수침수지역이 내수재해위험지구를 더 정확하게 재현하는 것으로 나타났다. 따라서 전국단위의 내수침수위험지역을 해석함에 있어서는 본 연구에서 제안한 수정 Level-Pool침수해석이 활용 가능할 것으로 판단된다.

This study suggested Nationwide Inundation Analysis method for Storm and Flood Damage Insurance Rate. Suggested modified Level-Pool method considers Zoning of urban plan to reflect real inundated area and limit inundation-boundary. Inundated area, as results of modified Level-Pool method, compared with inundation risk area on "storm and flood damage mitigation total plan". Simulated inundated area by modified Level-Pool method was more matched than results of traditional method. Therefore, modified Level-Pool method could be useful to analyze nationwide inundated area.

수출기업이환율변동위험을회피(hedge)할수있는단순한방법은수취하게될외환의액수 가확정되는시점에서선물환(forward)매도를계약하는것이다.논의의핵심은$1당몇%의 선물계약을 하느냐에 관한 헷지비율(hedge ratio)와 그에 따른 헷지성과(hedge effectiveness)이다. 이논문은비인도차액결제선물환율(non-deliverable forward)와 동일한성격을가지고있는한국무역보험공사(K-sure)의‘보장환율’을이용한환위험헷지의효 과를분석하고있다. 매월말지속적으로일정달러를수취하게되는수출기업이현물환율과선물환율의비중을사전 적으로어떻게정하는지에따라환율변동위험은달라지게된다.환율변동에따른위험(risk)은 현물환율과 선물환율로 구성된 포트폴리오(portfolio)의 수익률(rate of return)의 분산 (variance)으로측정되며환위험헷지의성과는분산의감소비율로측정된다. ‘보장환율’이도입된초기인2004년3월부터2014년6월까지를대상으로하였으며글로벌금융 위기이전과이후를구분하여헷지성과를비교하였다.수취하게될수출대금전부를선물환율로 헷지하는완전헷지(fullhedge),반만선물환율로헷지하는순수헷지(naivehedge),시간고정적(time invariant)인헷지비율을설정하는경우,시간가변적(timevarying)인헷지비율을설정하는경우를 대상으로헷지의성과를분석하였다.글로벌금융위기이전과이후의헷지성과는상이하다.그러 나모든기간에서가장좋은헷지성과는순수헷지방식으로나타났다.

Inthispaperweestimatevarioushedgeratiosandcomparetheirhedgeeffectivenesswhen InsuredForwardcontractprovidedbyK-sure’sExchangeRateInsuranceSystemwasapplied. Varioushedgeratiosareestimatedbybothad-hocwayandtime-serieseconometricstechnique andhedgeeffectivenessiscalculatedbyvariancereductionratio.Althoughwholeperiodisspaned fromFebruary2003toJune2014,beforeandafter theGlobalFinancialCrisisareconsidered. Optimalhedgingratioisdefinedbytheunitsofforwardcontractsperaspotcontract tominimize varianceof rateof return.Threekindsofoptimalhedgeratiosareanalyzed:naivehedgeratio whichmeansone-to-onehedging, time-invariantconstanthedgeratiowhichisestimatedbyOLS regressionmethodandtime-varyinghedgeratiocouldbecalculatedbystate-spacemodelwith Kalmanfilteringalgorithm.BecauseofstructuralbreakcausedbyGlobalFinancialCrisis, thehedge ratiosandhedgeperformancediffersbeforeandafterCrisis.Butrobustresultscouldbeextracted fromthisstudy:mosteffectivehedgingisnaivehedging.Whenitcomestosmallsizeexporting-firms, theycouldminimizethevarianceofprofit rateof returnasjustsellingK-sure’sInsuredForward by the half of total amount of export for multi-periods.

Object: The purpose is to diversely seek the alternatives to the supplement plans for increasing the investment to prevent industrial accident and formulate policies for applying the scheduled rate system in Korea. Methods: Through the status analysis of the worker's compensation insurance and the industrial accident prevention fund of Korea, the issues involving the systematic or financial management of the worker's compensation insurance and industrial accident prevention plan have been analyzed, and with the pre-condition of applying the scheduled rate systems of foreign worker's compensation insurances in Korea, the analysis is further undertaken on the status of the special merit system (program to reduce the insurance premium) of Japanese labor disaster insurance, the scheduled rate system of Germany (praemienverfahren), and the scheduled rate system of the US for further reference. Results: The supplement plan for the short-comings of the investment system of the current rated rate system of 8% may be presented largely in 3-fold: 1) method to invest the costs as much as required under the industrial accident prevention plan, 2) method to deliberate and resolve the investment rate for certain period (for example: 5 years or 10 years) by the National Assembly, and 3) maintain the present fixed rate system (8%) and adjust the investment rate for higher rate. In addition, in order to apply the scheduled rate system, it would be required to apply the scheduled rate system first for the KOSHA 18001 and the risk evaluation project from various industrial accident prevention plans that are expected to expand its implementation as they are currently implemented by the Korea Occupational Safety and Health Agency. Conclusion: KOSHA 18001 and the plan to link the scheduled rate system to the risk evaluation project may be a sensitive agenda for all bodies of labor, management and government that it is required to make the determination by the stipulation of all bodies of labor, management and government after going through the reviews of labor, management, government, academy as well as relevant experts.

WTO 보조금협정에서 OECD 공적지원수출신용협약을 준수하는 공적수출신용지원은 금지 보조금으로 간주되지 않는다. 공적지원수출신용협약에서는 공적금융지원의 최저고정금리를 상 업참고금리(CIRRs)로 규정하고 있는 바, 고정금리로 공적금융지원을 하는 경우 적용이자율을 CIRRs 이상으로 해야만 WTO 보조금협정상의 금지보조금이 되지 않는다. 통상 금융기관은 변동금리(Libor , Euribor 등)로 대출하지만, 차주(수입자 등)는 고정금리 를 선호하는 경향이 있다. 이자율변동보험에서는 한국무역보험공사와 금융기관이 변동금리와 고 정금리와의 차이를 정산함으로써 금융기관에 변동금리를 보장해 준다. 따라서 이자율변동보험은 금융기관의 고정금리부 대출을 가능하게 함으로써 고정금리를 선호하는 수입자(차주)의 수요를 충족시켜 수출경쟁력을 제고하게 된다.

Official export credits complying “the Arrangement on Officially Supported Export Credits” shall not be considered as subsidy prohibited by WTO SCM Agreement. The Arrangement on Officially Supported Export Credits regulates CIRRs as minimum fixed interest rates under official financing support. Therefore in the event official financing support is provided with the fixed rate, the rate should be CIRRs or higher. Although usually a financial institutions make loan on Libor base, a borrower (importer) prefers fixed rate. An interest rate risk insurance by K-Sure ensure a financial institution Libor plus spread by making up the gap between Libor plus spread and the fixed rate. Therefore an interest rate risk insurance promotes the Korea’s export competitiveness.

예금보험 차등보험료율제는 부보 금융사의 경영 및 재무 상황을 고려하여 개별 금융사별로 보험료 율을 달리 적용하는 제도다. 2014년부터 시행 중인 예금보험 차등보험료율제는 부보금융사의 건전경영을 유 도하고 도덕적 해이를 방지하며 보험료 납부의 공정성 제고를 목표로 한다. 2021년 현재 손보업권 차등예보 요율은 표준요율 0.15%를 기준으로 ±10% 내에서 할인/할증이 가능한데, 현행 차등보험료율제 운용이 예보 제도의 효율성과 형평성 제고에 적절한지에 대해 논란이 있다. 본 연구는 옵션가격결정모형(OPM)을 활용하 여 일부 손해보험사의 위험 비례(risk based) 예보요율을 산정 비교해 보고 현행 예보요율 책정과 차등요율제 도 운용이 충분히 효율적이고 형평성 제고에 부합하는지를 검토했다. 4개 손보사를 대상으로 한 실증분석 결 과, 4개사 모두의 위험 비례 예보요율이 현행 손보업계 표준요율인 0.15%를 상당히 하회하는 것으로 나타났 다. 비효율적으로 높은 예보요율 책정과 운용은 과다한 기금 적립과 보험사 부담으로 연결돼 결국은 보험 소 비자에게 부담이 전가될 수 있다. 연구 분석에 따르면 금융사별 위험을 평가하여 운용되는 예금보험 차등요율 제가 소기의 형평성 제고에도 미흡한 것으로 평가되었다.

Risk-based premium rate system has been adopted since 2014 for Korean deposit insurance to promote equity of rate making and to prevent moral hazard of financial institutions and they differentiate deposit insurance premium rate based upon business performance and financial condition of each insurance company. Setting 0.15% for standard deposit insurance premium rate for insurance business, they can scale up or down the final rate for each insurer within ±10%. It is controversial whether the current risk-based premium rate mechanism is good enough for promoting efficiency and equity of the Korean deposit insurance system. This study is to test efficiency and equity of the Korean deposit insurance system using the data of 4 major P&L insurance companies according to OPM(Option Pricing Model) analysis. Data analysis shows that the risk-based premium rates of all 4 companies are much lower than 0.15%, the current standard deposit insurance premium rate for insurance business. Inefficiently high deposit insurance premium rate is a serious problem causing too much reserving and business burden to insurance companies and eventually burden to insurance consumers. Also, the current risk-based premium rate mechanism is found not good enough to meet the goal of promoting equity of deposit insurance system.

본 연구는 중국의 경기둔화와 위안화 평가절하에 따라 환변동보험과 수출 신용보증보험 등 무역보험의 역할이 중요해질 것으로 판단되고 있음으로 무역보험과 위안화 변동에 관한 상관성을 연구 목적으로 하여 수출기업들에게 있어서 정부차원의 지원 방안 등에 대한 시사점과 관련된 것이다. 분석 결과에 따르면, 원달러환율과 위안달러환율의 변동에 따라 환변동보험증감률에 영향을 주고 있으며, 수출신용보증증감률의 경우 원달러환율과 1%의 통계적 유의수준에서 상호 작용(interactive)을 하는 것을 알 수 있었다. 이에 따라 환율변동 시 환변동보험 뿐만 아니라 수출기업들의 영업 리스크를 줄이기 위한 정부의 수출신용보증 지원정책의 병행이 수출기업들에게 효과를 줄 것으로 판단된다. 한편 원달러환율과 위안달러환율의 충격에 대한 환변동보험증감률, 수출신용보증증감률과 수출금액증감률 반응을 나타낸 충격반응함수의 결과에 따르면, 원달러환율의 상승 충격에 대하여 환변동보험증감률과 수출신용보증증감률이 각각 2개월 내지는 5개월째에서 가장 큰 음(-)의 반응을 보이고 이후부터는 안정을 찾아가는 것으로 분석되었다. 그리고 분산분해 분석결과에 따르면, 자기 변수이외에 원달러환율, 환변동보험증감률과 수출신용보증증감률이 가장 큰 영향을 미치는 것으로 나타났다. 환변동보험증감률을 사용하였을 경우에는 향후 원달러환율이 보다 밀접하게 수출금액에 영향을 줄 수 있음을 알 수 있었지만, 수출신용보증증감률을 환변동보험증감률 대신에 사용하였을 경우에는 원달러환율보다 수출금액증감률에 보다 크게 영향을 주고 있다. 이 분석의 결과에서 환변동보험 뿐만 아니라 수출신용보증 업무도 중국의 경제 및 환율 변동 시에 수출기업들에게 유용한 결과를 제시하고 있음으로 수출기업들은 적극적으로 활용할 필요성이 대두되고 있다.

Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade market. In the case of large transactions, it is common practice to allow the receiving party to pay in installments. The exporting firm faces credit risk, but as in most countries, a nation's firms can insure such risks. In fact, export credit risk insurance includes more: fabrication risk (the risk that the exporting company cannot deliver the goods due to circumstances beyond its control) and country risk (the risk of restrictions imposed by the government of the receiving countries). To some extent, export credit risks can be insured in the private market. There are many private insurance companies that insure short-term risks. Short-term and medium-term contracts can be reinsured in the private insurance market. In almost all OECD countries export credits are to be officially supported. This can take the form of direct finance for transactions (with or without government (re)insurance), such as in Canada, the United States, Japan, and South Korea. Official support for export credit risks can also take the form of insurance or guarantees, either directly offered by the government or a government agency (e.g. United Kingdom, Italy, Spain) or the government backs a private insurer through a (re)insurance agreement (as is the case among others in the Netherlands, France, and Belgium). External conditions for export enterprises in Korea are a bad situation through China's economic slowdown and the UK's BREXIT. Accordingly, the efforts of export firms, government and related institutions is an important time than ever before. The exchange fluctuation insurance as well as export credit guarantee positively play a role on export companies in China's economic and exchange rate fluctuations. The exchange fluctuation insurance and export credit guarantee in this paper do major role of export firms in China's economic and exchange rate fluctuations.

While the local health insurance and the employment-based insurance were integrated in July 2000, the insured is divided into employment-based insured and the local insured and the relevant premium has been applied to both groups. The health insurance premium having the feature of social solidarity has to be determined depending on income, that is, the ability to pay in accordance with the principles of social insurance. While employment-based insurance premium has been determined depending on the earned income, the local insurance premium for the local insured has been determined by scoring gross income(evaluated income), property and possession of automobiles. A variety of improvement approaches has been implemented including introduction of the employment-based insurance premium ceiling system (2002) and the change of property scoring system for the local insured (2006). However, the health insurance system which was merged in 2000 has been implemented up to now without significant change even though there were lots of socio-demographic change including increase of income level and the population structure such as low birth and aging. In other words, it is required to implement the premium rating system securing the income-based equity. Nevertheless, it was inevitable to apply the diverse rating standards in the early stage because it was very difficult to verify the income of the self-employed. Although the income verification rate was significantly increased from 23% in 1989 to 44% in 2010, the irrational standards including property, automobiles, living standard and activity rate have been still applied to the local insured because it is difficult to secure the validity of insurance premium rating system and it severely lacks of security. This paper investigated whether the current insurance premium rating system for the local insured imposing the premium on the basis of ‘gender’ and ‘age’ complies with the basic human rights secured by the current Constitution of the Republic of Korea with respect to the practical and theoretic irrationality of insurance premium rating system and standards for he local insured. In accordance with the analysis results, this paper proposed the approach to improve the system.

Objectives: This study was conducted to investigate the incidence rate of noise-induced hearing loss (NIHL) in Korean youths using the National Health Insurance Data Methods: We obtained the case of NIHL with the National Health Insurance Data and calculated the incidence rate of NIHL after classifying them by year (from 2005 through 2008), age, gender, birth cohort. Results: The age-adjusted incidence rate by year of NIHL per 100,000 population increased by 40.6% from 13.8 persons in 2005 to 19.4 persons in 2008, which showed a increasing trend every year. In particular, the incidence rate per 100,000 population among the adolescents (15-19 years of age) shot up by 78.2% from 8.7 persons in 2005 to 15.5 persons in 2008. According to the incidence rate by birth cohort of NIHL, the birth cohorts showed the gradually increase in incidence rate as time passed by. Adolescents in early 20s (20-24 years of age) had a higher incidence rate than teenage and men had a higher incidence rate than women. Conclusions: The results suggest that incidence rate of NIHL in Korean youths has rapidly increased among adolescents. Therefore, it is required to educate adolescents about the risk of hearing loss due to noise, establish program to prevent NIHL among adolescents and provide them with health education on hearing loss prevention.

한국의 비정규노동자의 사회보험과 관련된 연구들은 대부분 비정규노동자의 사회보험미가입문제만을 다루고 있다. 그러나 비정규노동자는 사회보험에 가입한다고 해도 급여를 받지 못하거나 혹은 낮은 급여를 받을 가능성이 있다. 이런 문제는 비정규노동자의 사회보험 가입유인을 낮출 뿐만 아니라 사회적 안전판이 없어 비정규노동자가 빈곤층으로 추락하는 것을 막지 못하는 상황을 만든다. 이에 본 연구는 비정규노동자의 사회보험가입문제와 동시에 비정규노동자가 사회보험에 가입했을 때 받게 되는 급여수준이 중요하다는 점에서 노동패널 2차-8차 자료를 활용해 비정규노동자와 정규직노동자의 미래연금급여, 실업급여수준을 분석한다. 분석결과에 의하면, 첫째, 비정규노동자는 정규직노동자에 비해 낮은 임금과 고용불안으로 낮은 연금급여와 실업급여를 받게 된다. 둘째, 연금가입기간과 관련 없이 연금을 지급하면 비정규노동자와 정규직노동자의 시장임금격차가 연금급여에서 어느 정도 줄어들지만, 10년 이상 연금에 가입한 사람에게만 연금급여를 하게 되면, 임금격차보다 연금급여 격차가 더 커진다. 셋째, 실업급여는 하한선을 결정해 최저임금 90%를 보장해줌으로서 비정규노동자의 노동시장에서의 저임금이 실업급여로 반영되는 정도가 연금에 비해 약하다.따라서 향후 비정규노동자의 사회보험가입비율을 높이기 위한 대책과 동시에 비정규노동자가 사회보험에 가입했을 때 독특한 고용형태 때문에 낮은 급여를 받지 않도록 국민연금가입기간을 낮추고, 비정규노동자를 대상으로 하는 크레디트제도 등을 고려해보는 것이 필요하다.

The Study of benefits rate of nonstandard worker in the pension and the unemployment insurance This article is on the base of that nonstandard worker’s insurance benefit is important as well as nonstandard worker’s affiliation of social insurance. Even if nonstandard workers are come a member to social insurance, they receive very low social insurance benefit. So the purposes of this article are to analysis for the future pension benefit and unemployment benefit of nonstandard worker through Korean Labor and Income Panel data. The results are first, nonstandard workers are received low pension benefit and unemployment benefit compare with standard worker’s benefit. Second, the gap of pension benefit between nonstandard workers and standard workers are high compare with gap of income benefit between nonstandard workers and standard workers. So, The reduction of the length of pension affiliation and pension credits to a nonstandard worker are necessary. Key word: nonstandard worker’s social insurance, nonstandard worker’s pension benefit, nonstandard worker’s unemployment benefit

본 연구는 보험요율, 수출액, 환율, 환율변동성이 환변동보험의 인수에 미치는 영향에 대한 실증분석이다. 보험수요함수에 대한 기본적인 이론을 바탕으로 우리나라의 수출환변동보험인수 에 대한 계량분석모형을 설정하고, 2000년부터 2013년까지의 월별자료를 사용하여 회귀분석 을 실시하였다. 설명변수와 종속변수의 시계열특성을 고려하여 수준변수와 차분변수를 사용한 선형-로그 형태의 회귀방정식을 추정하였다. 실증분석결과, 보험요율, 환율, 환율변동성은 수출 환변동보험의 인수액에 통계적으로 유의한 영향을 미치는 것으로 나타났다. 특히 환율의 영향이 환율변동성의 영향보다 훨씬 큰 것으로 추정되었는데, 원-달러 환율이 1% 하락 시 환변동보험의 인수액은 약 8% 증가하는 것으로 분석되었다. 이러한 분석결과는 최근과 같이 환율하락폭이 급격 히 커지면 수출기업의 환변동보험의 수요가 크게 증대된다는 사실을 반영하며, 특히 앞으로도 환율이 급락하는 동향을 주의 깊게 관찰하여 환변동보험의 수요를 미리 예측하고 관리하는 선제적 인 정책적 대응 노력이 필요하다는 점을 시사한다.

This paper presents empirical evidence for the influence of economic variables on foreign exchange rick insurance. Using monthly data on Korea trade from 2000 to 2013, the effects of premium rate, exports, exchange rate and exchange risk on the volume of export foreign exchange risk insurance were investigated. Results show that the level and the volatility of exchange rate have significant effect on the volume of the insurance. More importantly, the effect of the level is significantly stronger than that of the volatility of the exchange rate. This work presented in the paper has profound implication for the policy authority to consider the role of exchange rate movement in the appropriate strategy for managing and forecasting the demand of foreign exchange risk insurance.

인구 노령화 및 수익률 하락에 따른 국민연금 제4차 재정추계 결과 3차 재정계산보다 3년 빠른 2057년도에 기 금이 소진되는 것으로 추계되었다. 이에 따라 정부에서는 4차 제도개혁 방안으로 보험료율을 즉시 2% 인상하고 소득 대체율 45% 유지하는 (가)안과 보험료율을 13.5%로 단계적 인상 후 소득대체율을 2028년에 40%까지 줄이는 (나)안 을 제시하였다. 이와 같은 형식으로 보험료율을 인상하고 소득대체율을 줄여나가면 이전의 낮은 보험료율에 높은 소 득대체율을 적용받던 기존가입자와는 다르게 새로 가입하게 되는 젊은 세대들은 높은 보험료율과 적은 소득대체율을 적용받게 된다. 이에 본 연구는 연령별로 다른 보험료율과 소득대체율을 적용하여 노년층과 젊은층의 부담을 완화하 고자 한다.

The fourth fiscal estimate of the national pension following the aging of the population and falling yields estimated that the fund ran out in 2057, three years earlier than the third fiscal calculation. Accordingly, the government proposed a plan to immediately raise the insurance premium rate by 2 percent and maintain the income replacement rate by 45 percent, and to reduce the income replacement rate by 40 percent in 2028. In this form, increasing premiums and reducing income replacement rates will allow younger generations to sign up differently from existing subscribers, who previously had higher income replacement rates at lower rates. Therefore, the study aims to ease the burden on the elderly and younger by applying different insurance rates and income replacement rates for different ages.

With the change of market environment, most enterprises have realized the importance of customer resource. In this paper, we use data mining technology to analyze the influence factor of insurance settlement. First, we establish a customer segmentation structure model, and then use decision tree to find out the main factors that affect the amount of settlement and analyze the customer records. According to the result, we can find that the amount of settlement is mainly influenced by the driving experience and the purpose of using. Based on the analysis, the using of the data-mining tech would improve the work efficiency and the consumer management in insurance institutions, and insurance companies can also formulate the corresponding compensation rate.

In this paper, we calculate the premium rate of reliability insurance policy for wiper motors under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of wiper motors. The maximum likelihood estimates of shape parameter and scale parameter are obtained by using interval censored real data of sample sizes 6 using MINITAB.

The reliability guarantee insurance policy for parts and materials was introduced to the market in 2003. This policy indemnifies manufactures for the repair/failure costs, recall expenses. In this paper, owing to the nature of the policy, we propose a new rate-making system considering the type of product and industry, quality control circumstances, record of guarantee performance, and exposures.

In this paper, we propose the pure premium rate of reliability insurance policy for radiators under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of radiators. The maximum likelihood estimates of scale and shape parameters for assumed distribution are obtained by using accelerated life test data of sample sizes 5 using MINITAB.

This research examines the effects of rate regulations and compulsory insurance laws on insurance purchases. Three stage least squares (3sls) regressions have been employed to control for the endogeneity of the main variables, which are premiums, regulations, and insurance purchases. The stringency of rate regulation and the presence of compulsory insurance law are proxied by a residual market share, and uninsured and uninsured/underinsured motorist claim frequencies are used for insurance purchase variables. Consistent with previous literature, residual market share is negatively associated with uninsured motorist claims. However, the effect of residual market share is weaker or not significant on uninsured/underinsured motorist claims. This means that rate regulations and compulsory insurance laws are effective in decreasing uninsured motorist claims; however, they are less effective in increasing insurance purchases in general, because the chance of underinsurance increases.

We propose a method for calibrating high-dimensional parameters in the Hull?White one-factor model using market prices of swaptions, aimed at generating mark-to-market interest rate scenarios in the Korean insurance industry. Our approach integrates a trust region-based Bayesian optimization technique with a parameter space decomposition method to solve the calibration problem. Empirical studies demonstrate that our method achieves superior stability and effectiveness in calibrating high-dimensional parameters compared to conventional Bayesian optimization approaches.

Purpose: Overactive bladder (OAB) symptoms might be affected by weather, but only a few clinical studies have investigated this issue. We investigated seasonal variations in OAB-drug prescription rate (DPR) in men using nationwide claims data in Korea. Methods: A total of 2,824,140 men aged over 18 years were included from the Health Insurance Review and Assessment service ? National Patient Sample data between 2012 and 2016. Depending on the monthly average temperature, the seasons were divided into 3 groups, namely, hot (June, July, August, and September), intermediate (April, May, October, and November), and cold (January, February, March, and December) seasons. OAB-DPR was estimated using the claims data, and differences in its rate were examined among the 3 seasonal groups. Results: The overall OAB-DPR was 1.97% (55,574 of 2,824,140). The OAB-DPR were 0.38%, 0.63%, 0.92%, 1.74%, 4.18%, 7.55%, and 9.69% in the age groups of under 30, 30s, 40s, 50s, 60s, 70s, and over 80 years, respectively; thus, the prescription rate increased with age (P<0.001), with a steeper increase after 60 years of age. OAB-DPR was 1.02% in the hot season, 1.19% in the intermediate season, and 1.27% in the cold season, with significant differences among the 3 seasonal groups (P<0.001). These seasonal variations persisted in the subgroup analysis in each age decade (P<0.001). Conclusions: OAB-DPR varied with seasons and was significantly higher in the cold season than in the hot season, suggesting that cold weather may affect development and aggravation of OAB symptoms in men.