• Journal of Legislation Research
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• no.44
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• pp.315-342
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• 2013

Die Rechtsschutzversicherung ist als eine echte Schadenversicherung eine neue Versicherung, die $Spezialit{\ddot{a}}t$ des versichertes Risikos hat. Das bedeutet, dass der Rechtschutzversicherer nur bestimmte vertraglich vereinbarte Risiken $tr{\ddot{a}}gt$. Diese Risiken sind in den Allgemeinen Bedingungen $f{\ddot{u}}r$ die Rechtsschutzversicheurng (ARB) im Zusammenhang mit Versicherungsvertragsgesetz (VVG) ${\S}$ 125 exact beschrieben. VVG ${\S}$ 125 spricht allegemein von Leistung des Versicherers im vereinbarten versicherten Umfang. Entscheidend ist also die Vereinbarung in den ARB, welche in ${\S}$ 1 die Kostentragung $f{\ddot{u}}r$ den Versicherten als Hauptleistung des Versicherers beschrieben ist. Also in den VVG ${\S}{\S}$ 125 bis 129 gibt es keine Definition ${\ddot{u}}ber$ die Sparte der Rechtsschutzversicherung, jedoch mindestens es $w{\ddot{a}}re$ $m{\ddot{o}}glich$, diese Sparte zu definieren. Um die $k{\ddot{u}}nftige$ Produktentwicklung nicht zu hindern, $enth{\ddot{a}}lt$ die Vorschrift keine gesetzliche Definition der Rechtsschutzversicherung nach Angabe der amtlichen $Begr{\ddot{u}}ndung$. Weil in Korea die Rechtsschutzversicherung relativ neu in Versicherungsmarket ist, sind daher VVG ${\S}{\S}$ 125 ein gutes gesetzgeberisches Vorbild, um pragmatisch und auch dazu rechtswissenschaftlich zu diskutieren und diese fsetzustellen. Im Schritt von Ausdehnungen der juristischen Dienstleistung $w{\ddot{a}}re$ es $n{\ddot{o}}tig$, zu betrachten, wie Leistungsumfang des Versicherers in der Rechtsschutzversicherung erweitert werden kann. And noch dazu ist die Informationspflicht des Versicherers in Hinsicht auf Versicherungsunfall und Leistungsumfang noch weitert zu ${\ddot{u}}berlegen$, weil diese Sparte der Rechtsschutzversicherung noch professioneller als die anderen Versicherungsbereiche ist.

• 방재와보험
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• s.3
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• pp.43-46
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• 1974

• 방재와보험
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• s.64
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• pp.36-39
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• 1995

• 방재와보험
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• s.54
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• pp.6-9
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• 1992

• Journal of the Korean Data and Information Science Society
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• v.21 no.6
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• pp.1181-1190
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• 2010

When an insurer develops an insurance product, it is very critical to determine reasonable premiums, which is directly related to insurer's profits. There are three methods to determine premiums. Frist, the insurer utilizes premiums paid to the similar cases to the current one. Second, the insurer calculates premiums based on policyholder's past records. The last method is to combine the first with the second one. Based on the three methods, there are two major theories determining premiums, Limited Fluctuation Credibility Theory not based on statistical models and Greatest Accuracy Credibility Theory based on statistical models. There are well-known methods derived from Greatest Accuracy Credibility Theory, such as, Buhlmann model and Buhlmann-Straub model. In this paper, we extend the Buhlmann-Straub model to accommodate the fact that variability grows according to the number of data in practice and suggest a new non-parametric method to estimate the premiums. The suggested estimation method is also applied to the data gained from simulation and compared with the existing estimation method.

• Journal of the Korea Society of Computer and Information
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• v.6 no.4
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• pp.188-205
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• 2001

Insurer's duty of declaration is based on reciprocity of principle of the highest good, and recently it is widely recognized in the British and American insurance circles. The conception of fiduciary relationship is no longer equity or the legal theory which is only confined to the nations with Anglo-American laws. Therefore, recognizing the fiduciary relationship as the essence of insurance contract, which is more closely related to public interest than any other fields. will serve an efficient measure to seek fair and reasonable relationship with contractor, and provide legal foundation which permits contractor to bring an action for damage against violation of insurer's duty of declaration. In the future, only when the fiduciary relationship is approved as the essence of insurance contract, the business performance and quality of insurance industry is expected to increase. Therefore, to keep well this fiduciary relationship, or increase the fiduciary relationship persistency rates seems to be the bottom line in the insurance industry. In this paper, we developed a fiduciary relationship maintenance ratio based on comparison by case, which is represented with usually maintained contract months to paid months, based on each contract of the basis point. In this paper we have developed a new business model seeking the maximum profit with low cost and high efficiency, management policy of putting its priority on its substantiality, as an improvement measure to break away from the vicious circle of high cost and low efficiency, and management policy of putting its priority on its external growth(expansion of market share).

• 월간 기계설비
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• no.11 s.208
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• pp.29-40
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• 2007

국가계약법 시행령이 개정됨에 따라 재정경제부는 공사계약 일반조건, 입찰조건, 입찰유의서 등 회계예규를 개정하고 지난 10월 12일부터 시행에 들어갔다. 개정된 시행규칙은 공사계약일반조건에서 설계서와 물량내역서 등의 범위에 대한 정의규정 보완/손해보험 관련 손해공제 포함/설계변경 관련 조문정리/설계변경 계약금액조정 제한대상 추가 및 입찰금액조정 규정 마련/특정규격의 자재별 가격변동에 따른 계약금액조정 관련 등이 개정되었고, 공사입찰유의서에는 입찰에 관한 서류의 열람 및 교부/입찰무효사유 보완/낙찰자가 부적격자로 판명된 경우 낙찰자 결정 방법 개선/조문정리 등이 개선되었다.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.61
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• pp.139-163
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• 2014

Recently with making of 'The Consumer Insurance (Disclosure and Representations) Act 2012(hereunder CIA)', the UK revised the duty of disclosure especially with the consumer insurance contract. According to the CIA, if the misrepresentation was careless, the insurer may have the three options based upon what the insurer would have done had the consumer taken care to answer the question accurately; a compensatory remedy, avoidance of the insurance contract or, amendment of the contract. I realized that the establishment of CIA has been exposed to pro-actively relieve the breach of Warranty and Disclosure, Representations as far as required by the Global Insurance market. It was found that it is expected to bring significant changes in UK Insurance Act system of the 21st century, and prepares competition from neighboring countries. On the other hand, in the common law system, countries under MIA(1906) are trying to address the breach of warranty and Disclosure, Representations, except the UK cannot completely adhere with a positive attitude.

• The Korean Journal of Financial Studies
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• v.4 no.1
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• pp.259-280
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• 1998

최근 제품으로 인한 각종 피해에 대해 피해자 구제의 견지에서 피해자가 간편하고도 용이하게 손해배상 청구를 할 수 있도록 피해입증부담을 경감하고, 제조업자를 포함한 제품공급자측에 보다 엄격한 책임을 물을 수 있도록 규정한 '제조물 책임(product liability: PL)'에 대한 법률이 필요하게 되었다. 본 논문에서는 PL과 보험간의 관계를 고찰하여 우리 나라의 최근동향 및 대응방안을 살펴보는데 그 목적을 두고 있다. 미국에서는 손해보험회사의 급격한 수익악화로 인하여 각 사가 일제히 기존의 보험계약 인수를 거절하여 보험요율과 보험료를 대폭적으로 인상하여 기업들이 배상책임보험을 부보할 수 없는, 소위 '보험위기'라는 상황을 경험하고 있다. 과거 두 번에 걸친 심각한 보험위기의 교훈으로 미국에서 세 번째의 보험위기의 발생유무는 제2차 보험 위기의 원인이었던 미국의 불법행위법 불법행위제도의 개혁여부에 달려 있다고 할 수 있다. 한편 우리 나라에서는 제조물에 대해 피해자 구제를 규율하는 PL법이 제정되어 있지 않다. 향후에 우리 나라가 PL법을 제정하여 실시할 경우에는 미국과 같은 혼란된 상태에 빠지는 문제가 발생하지 않도록 주의를 기울여야 할 것이다. 또한, 피해자 구제와 기업이 안전 제품의 생산에 자극을 줄 수 있도록, 조속한 시일 내에 우리나라에도 PL법을 제정해야 할 것으로 생각된다.

• The Korean Journal of Applied Statistics
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• v.31 no.6
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• pp.771-783
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• 2018

The life insurance industry is interested in various factors that influence the long-term extensions of insurance contracts such as the necessity for the advisors' long-term management of consumers, product consulting, and improvement of the investment aspects. This paper investigates important factors leading to a long-term contract that forms an important part of the life insurance industry in Korea. For this purpose we used the data of contents (i.e., data from Jan 1, 2011 to Dec 31, 2016) of the contracts of xxx insurance company. In this paper, we present how to select important variables to influence the duration of the contract maintenance via a penalized Cox's proportional hazards (PH) modelling approach using insurance life data. As the result of analysis, we found that the selected important factors were the advisor's status, the reward type 2 (annuity insurance) and tendency 4 (safety-pursuing type).