• 대한안전경영과학회:학술대회논문집
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• 대한안전경영과학회 2007년도 추계학술대회
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• pp.457-461
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• 2007

This study presents service quality systems such as automobile industry insurance, personal accident insurance service vehicle repair and tow services, and, the service for buying and selling of used motor vehicles. These service quality systems include contracting services, payment service, infrastructure, adjustment service, and, process.

• 한국항해학회지
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• 제18권3호
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• pp.31-49
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• 1994

In the meantime Korean Insurance Industry has been developed a steady growth under government's political protection. But insurance market seems to be opened unavoidably owing to the liberalization of international trade by the Agreements of UR and the bloc of economy by EC Integration and the Organization of NAFTA. By the above reason, especially, in case of hull insurance, the rate of hull insurance is being instituted as a problem. Accordingly the recognition for the problem like this, in thsi study, explained the major objectives of rate making and described the basic rate making methods that are used in property and liability insurance, and searched the rate making schemes of hull insurance rate of the major nations by comparing method. And as a conclusion, the writer presented several schemes including new rate making scheme of hull insurance rate and the security of statistical data about loss ratio, and the establishment of Korean Hull Insurance Association.

• The Journal of Asian Finance, Economics and Business
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• 제9권7호
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• pp.205-217
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• 2022

The purpose of this study was to explore the relationship between agricultural insurance, agricultural loans, and the agricultural industry and find ways to consolidate and improve the interactive development between these three systems. We collected relevant data from 2009 to 2019 in 15 provinces of China and constructed a coupled coordination model to analyze the data. The results are as follows: First, the eastern part of China was ahead of the central and western parts in terms of agricultural loans and the agricultural industry, while the western part was ahead of the central and eastern parts in terms of agricultural insurance. Second, the coupling degree of the three systems in all 15 provinces reached an extremely high level. Third, all 15 provinces showed an overall continuous rise in coupling coordination degree. In 2019, eight provinces reached the medium-level coupling coordination development, and seven provinces were in a state of barely coupling coordination development. The three systems formed a mutually reinforcing relationship and basically entered a state of coordinated development. Finally, there was a great development gap between different regions of China concerning the coordinated development of the three systems, therefore, innovative development is urgently needed to further promote the coordinated development level.

• Journal of the Korean Data and Information Science Society
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• 제28권2호
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• pp.271-286
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• 2017

본 논문은 우리나라 생명보험산업의 장수리스크에 대한 자연헤지가 충분히 이루어지고 있는가를 평가해 보았다. 연금보험과 종신보험 준비금 계산 시 사망률 모형으로는 Lee-Carter 모형을 적용하였다. 사망률 개선 시나리오로는 연금보험과 종신보험 사망률이 모두 10%와 20% 개선되는 경우, 50세 이하 저연령 사망률은 10% 개선되고, 50세 이상 고연령 사망률은 20% 개선되는 경우, 마지막으로 연금보험 사망률은 20% 개선되지만 종신보험 사망률은 10% 개선되는 등 네 가지 시나리오를 살펴보았다. 분석결과 연금보험과 종신보험에 동일한 사망률 충격을 가하는 경우와 고연령의 사망률 개선이 저연령에 비해 빠르게 나타나는 경우 모두 연금보험과 종신보험 준비금의 합은 감소하는 것으로 나타났다. 네 번째 시나리오에서만 전체 준비금은 증가하였으나, 이 경우에도 연금보험 준비금 증가의 60% 이상이 자연헤지에 의해 상쇄하는 것으로 나타났다. 따라서 우리나라 생명보험산업의 장수리스크는 자연헤지를 통해 충분히 관리되고 있다고 판단된다.

• 항공우주정책ㆍ법학회지
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• 제26권1호
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• pp.271-297
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• 2011

최근에는 상업적 우주활동의 증가와 우주파편의 증가로 인해 그 위험성이 더욱 증대되고 있다. 우리나라에서도 지난 2009년과 2010년 두 번에 걸쳐 인공위성 발사하였으나, 모두 실패로 끝났다. 이에 따라 국내외적으로 위성 발사 실패에 따른 책임 규명에 대해 보상 논의가 활발하게 이루어졌다. 이러한 점에 비추어 볼 때 우주개발과 관련한 리스크 관리 장치로서의 우주보험에 대한 정확한 개념규정과 법적인 논의가 이루어져야 할 것이다. 우주보험과 관련하여 통상적으로 두 가지 형태가 가능하다. 첫째는 발사와 궤도진입과 관련한 보험이며, 두 번째는 제3자 손해에 대한 보험이다. 전자는 피해를 입은 위성의 소유자나 운영자를 보호하는 것이고, 후자는 사고로 인한 소유자나 운영자의 책임을 담보하거나 배상하는 것이다. 우주보험과 관련하여 국제조약이나 국제적 규범은 없지만, 미국을 비롯한 영국, 프랑스, 러시아, 한국 등 각국은 국내법을 통해 우주보험의 인수를 강제하고 있다. 특히, 미국은 1984년 상업우주개발법과 관련 법률에서 발사체를 운영하는 자격을 가진 사람에게 제3자 손해에 대한 보험을 인수하도록 하고 있다. 상업적 우주산업의 관행과 미국의 상업적 우주발사법에서는 위성의 고객과 발사제공자는 발사로 인한 재산적 손해, 신체적 부상이나 사망 위험에 대한 가정과 상호 책임면제에 합의해야 한다고 규정하고 있다. 이는 위성의 발사 실패나, 위성체를 손실하였을 때, 위성의 고객은 비록 발사제공자가 과실이 있다고 하더라도 발사제공자에세 배상을 요구할 수 없다는 의미일 것이다. 그리고 미국과 기타 우주발사국들은 부보된 보험액을 초과하는 경우 제3자 손해에 정부의 배상을 제공한다. 그러나 유인우주선에 대해서는 유인 우주선에서 포기조항이 요구되지 않으며, 동의를 통보해야만 한다. 위성고객이 발사 제공자에세 소송을 제기하는 것을 제한하는 미국법상 포기조항은 유인우주선에는 적용되지 않는다. 이같이 미국법에서는 우주활동과 관련된 보험문제에 대해서 비교적 상세하게 규정하게 있으나, 다른 국가에서는 다수가 보험을 인수하도록 요구하고 있으나 상세한 규정은 두지 않고 있다. 우리나라도 예외가 아니다. 그러나 향후 우주활동이 활발하게 이루어지 상업적 우주관광 등이 이루어짐에 따라 우주보험문제에 대해서도 심도 있게 논의가 이루어져야 할 것이다.

• 정보학연구
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• 제5권3호
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• pp.1-17
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• 2002

본 연구는 전자상거래가 활성화 되면서 증가하는 국내외 인터넷을 통한 보험거래에 대한 상황을 분석하여 보고, 인터넷을 통한 보험거래상의 여러 법적 문제점을 규명한 후에 그 해결방안을 함께 제시함으로써 보험에 관한 문제를 연구하는 전문가들에게 정보를 제공하여 이해를 도모하고 보험업계의 발전에 기여하고자 하였다.

• 통상정보연구
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• 제6권2호
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• pp.65-84
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• 2004

Korean Government has provided special support to Korean export industry during past 40 years. However, due to the agreement on UR and appearance of WTO, the Government can't provide most of the subsidies which were allowed before WTO era. Hence, export insurance system became more useful tool since it's one of the few allowed subsidies under WTO. This study tries to find the impacts of export insurance systems on the exports in Korea, the United States, and Japan. Firstly, this study surveyed the export insurance systems of Korea, the United States, and Japan. Then, using a regression analysis it analysed the effects of export insurance systems upon the exports in Korea, the United States, and Japan respectively. The period of data is from 1980 to 1999. The results of the regression analysis for export insurance showed significant and positive effects of both Korean and Japanese but the United States showed insignificant and positive upon the exports.

• 대한본초학회지
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• 제27권2호
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• pp.1-16
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• 2012

Objective : To investigate the current status of prescription drugs in Oriental medical institutes and to draw up a future plan for the revitalization of Oriental medical health insurance, this survey has been performed. Method : The survey has been made with 321 doctors working at Oriental medical institutes in Daegu and Kyungbuk areas for a period of 3 month from June 1, 2010 until September 1, 2010. Result : 1. When it comes to the current status of the use of herbal drugs in Oriental Health insurance, most of doctors surveyed prescribe insurance drugs, and they prescribe insurance drugs to patients, who are less than 20% of total patients visiting their clinics. 2. The awareness of Herbal Health Care Drugs is investigated. When it comes to the understanding of the difference between insurance drugs(powder type drugs) and granular type drugs, doctors admit that they differ only in one aspect, whether or not their being covered by health insurance. Based on the survey results on the understanding of insurance coverage of granular type drugs, doctors, even though they long for granular type drugs to be accepted as insurance drugs, are worrying whether the number of outpatients might dwindle due to increased insurance co-payments. They also point out that the biggest obstacles in the expansion of the granular type drugs as insurance drugs are the lack of understanding of the government and the objection of the Health Insurance Review and Assesment service (HIRA) for fear of increased insurance claims. 3. Upon investigation on Oriental medicine doctors' understandings of herbal pharmaceutical industry, it is found that doctors' responses on pharmaceutical industry are not all positive ones('new product development and neglect of R&D infrastructure' and 'smallness of industry'). When it is investigated what area needs the greatest improvement in herbal pharmaceutical industry, 'securing sufficient capital, good manufacturing, and strengthening quality control', is the highest. 4. When it is asked what are the most needed in order to improve herbal health insurance medicine, responses such as 'the increase in the accessibility to and the utilization of Oriental medical clinics through the diversification of the means of prescriptions', 'the improvement of insurance benefits(cap adjustments)', 'increase the proportion of high quality medicinal plants', 'the ceiling of co-payments(deductible) at 20,000 won or more', 'expansion of the choices of formulations', 'formulational expansions of tablets and pills', and finally 'admittance and expansion of granular type drug as insurance drug' are the highest. 5. Upon investigating the general characteristics of the current status of the usage of Oriental health care herbal drugs, the followings are observed. First, the frequency of use of health insurance drugs by the doctors who use health insurance with general characteristics shows similar differences in case of total monthly sales amount (p<0.001), average number of daily patients (p<0.05). Secondly, as to the willingness of the expanded usage of insurance drugs, similar differences are observed in case of total monthly sales amount (p<0.05). 6. Upon investigating the general characteristics of the perception of Herbal health care drugs, the followings are observed. First, inspecting general characteristics and insurance claims due to increased co-payments(deductible amount) reveals similar differences in case of working period (p<0.01) and in case of total monthly sales amount (p <0.01). Secondly, inspecting general characteristics and the obstacles that hinder granular type drugs from being accepted as health care insurance drugs shows similar differences in case of working period (p<0.05). 7. Upon investigating the general characteristics of the understanding of Oriental Herbal pharmaceutical companies, the followings are observed. First, opinions on the general characteristics of pharmaceutical companies, when examined with variance analysis, shows similar differences in case of total monthly sales amount (p<0.05). Secondly, when opinions are examined on general characteristics and the problems of herbal pharmaceutical companies, similar differences are found in case of working period (p<0.01) and in case of total monthly sales amount (p<0.001). Lastly, opinions on the general characteristics and reforms of pharmaceutical companies, similar differences are observed in case of working period (p<0.001). 8. Upon investigating the general characteristics of the improvement of insurance Herbal drugs, the followings are observed. First, regarding general characteristics and insurance benefits, similar differences are observed in case of working period (p<0.05), in case of total monthly sales amount (p<0.05), and in case of average number of daily patients (p<0.01). Secondly, opinions on the general characteristics and the needs for the improvement of Herbal insurance drugs are examined in 5 different aspects, which are the approval of granular type drugs as insurance drugs, the expanded practices of the number of prescription insurance drugs, the needs of a variety of formulations, the needs of TFT of which numbers of Oriental medical doctors are members for the revision of the existing system, and the needs of adjusting the current ceiling of the fixed amount and the fixed rate. When processed by the analysis of variance, the results show similar differences in case of average number of daily patients (p<0.01). Conclusion : From the results of this study the first measures to take are, to reform overall insurance benefit system, including insurance co-payment system(fixed rate cap adjustment), to expand the number of the herbal drugs to be prescribed matching with insurance benefit accordingly, and to revitalize herbal medicine insurance system through the change of various formulations. In addition, it is recommended to improve the effectiveness of herbal medicine by making plans to enhance the efficacy of herbal medicine and by enabling small pharmaceutical companies to outgrow themselves.

• Journal of the Korean Data and Information Science Society
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• 제16권2호
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• pp.237-253
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• 2005

In Korea, the volume of insurance industry has been increased rapidly with helping the economic growth, the increment of GNP and derive of public welfare policy. But the other side of the volume increment, the life insurers have some problems, such as the high rate of turnover, lapses and surrenders, in processing of acquiring more insurance contracts. The object of this paper is the analysis of the causes and properties of the high rate of turnover, lapses and surrenders using statistical survival model. Also we hope that the insurers will use the results of analysis to reduce the rates.

• 무역상무연구
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• 제69권
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• pp.427-451
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• 2016

With WTO system starting since 1995, the international trade business has been getting more competitive and fairer especially with the agreement on subsidies and countervailing measures. The export credit insurance, as the only institution of supporting export business under WTO system, is getting more significant in major economies as an indirect means to support export business. In China, SINOSURE has been monopolizing its export credit insurance market for a long time. Since January 2013, however, the Chinese government permitted several commercial insurers to compete in the market and they include PICC, PING AN, CPIC, China Re. This study is to discuss how to improve the Chinese export credit insurance after analyzing performance of privatization of short-term credit insurance and real cases of success and failures. With the 'Go Global' and 'One Belt, One Road' policy of Chinese government, the role of export credit insurance is expected to be more significant. Thanks to the Korea-China FTA since December 2015, international trade between the two countries will be greater especially in finance and insurance area. Because Korean insurance industry is very much interested in getting into Chinese export credit insurance market, they need to study carefully the performance of privatization of Chinese short-term export credit insurance. For their policy decision makings the Korean authorities need to get lessons from the privatization of Chinese short-term export credit insurance business.