• 정보보호학회논문지
• /
• 제27권5호
• /
• pp.1233-1245
• /
• 2017

지능정보사회를 선도하는 핵심 기술이자 서비스인 사물인터넷의 초연결성으로 인해 사이버리스크가 급증하면서 사이버리스크의 전가(Risk transfer)를 통해 경영환경의 안정성을 높이는 새로운 위험관리 방안으로 사이버보험(Cyber insurance)이 주목받고 있다. 그러나, 사이버보험은 아직 국내에서는 비교적 생소한 개념이다. 이에 본 연구에서는 국내 상황에서 우선적으로 요구되는 보장사항을 도출하여 국내 수요에 적합한 사이버보험의 개념을 제안하고자 하였다. 연구 결과 사이버보험의 수요자들은 사업손실과 배상책임에 가장 많은 필요성을 보이고 있는 것으로 나타났다.

• 한국산학기술학회논문지
• /
• 제5권5호
• /
• pp.466-470
• /
• 2004

2001년도에 도입된 부동산 권원보험이 주목을 받지 못하다가 최근 들어 모기지론의 도입을 계기로 새로운 국면을 맞을 것으로 예상된다. 그간 소유자용 권원보험의 판매는 극히 미미한 수준에 머물렀으나 저당권자용 권원보험의 판매는 지속적으로 늘고 있다. 부동산 권원보험이 부동산 권리이전과 담보대출에 따른 위험관리에 많은 도움이 될 것이 확실하나 권원보험이 확고히 자리 잡기 위해서는 몇 가지 보완점도 필요하다. 우선 권원보험의 수수료나 보험료 수준을 낮출 필요가 있으며 보험사업자의 권원보험 운용노하우를 적극적으로 개발해 사업비를 줄여야 한다. 또한 부동산 거래 과정에서 권원보험이 널리 정착될 수 있도록 부동산 중개에 적극 활용되어야 한다.

• 대한예방의학회:학술대회논문집
• /
• 대한예방의학회 2005년도 제57차 추계 학술대회 연제집
• /
• pp.350-350
• /
• 2005

• 대한예방의학회:학술대회논문집
• /
• 대한예방의학회 2005년도 제57차 추계 학술대회 연제집
• /
• pp.503-503
• /
• 2005

• Journal of the Korean Data and Information Science Society
• /
• 제15권1호
• /
• pp.141-172
• /
• 2004

This paper studied the theory and methodology of CRM for insurance business and perform empirical analysis to verify causes of success. It considered five factors as variables to explain success of CRM which are (1) Integration through the partnership among organization and members. (2) Utilization of customers' information. (3) Strategy through marketing channel and interaction with customers. (4) Investment and IT infrastructure to construct CRM system. (5) Interaction among organizations for CRM. The success is defined as four terms; effectiveness of organization, curtailment of cost, improvement of customer service and sale of insurance.

• 무역상무연구
• /
• 제49권
• /
• pp.379-405
• /
• 2011

With the fast growing of international trade and ever-changing trade environment Korea is facing more risks in international trade and they are getting more diverse and happen more frequent with high severity. Big firms of international trade are ready and treat the risks quite well, but small and medium size firms have hard time to manage the risks due to their poor understanding, not much capital to spend, and weak skills of risk management. Holding significant size of international trade of Korea, the small and medium size firms need systematic and integrated risk management and the K-sure(former Korea Export Insurance) can make a significant contribution to help them manage risks in international trade business. This study is proposing the adoption of ERM(Enterprise Risk Management) for international trade business of Korea. Especially for small and medium size firms of international trade, the K-sure may set up integrated risk management system to help them and promote the export growth, which is a great mission of K-sure.

• The Journal of Asian Finance, Economics and Business
• /
• 제5권1호
• /
• pp.17-27
• /
• 2018

In 21^st Century business world, services are carried out in multifaceted, competitive and rationality manner that are characterized by evolving many factors, which are often unpredictable. On-the-go banking is a product in financial sector. However, it faces serious pitfalls being it riskiness. Bank customers compete for time-saving options. On contrary, PCBs compete for marginalizing its operating costs for enhancing its revenues. On strategic tactics, PCBs targets city customers in multi-facets including offering incentives for enhanced usages of on-the-go banking. Influencing customer's intention, attitude and behavior in banking, PCBs also offers incentive under market system along with often informational asymmetry. However, it causes exploitation. In most cases customers don't read terms & conditions of services. They don't save contract-copy. These weaknesses cause abuses. Customer faces hidden charges, extra fees, account hacked. Addressing the issue, Voluntary Insurance Option is proposed where PCBs will introduce it as a product of bank-services. Transferring risk away from customer will benefit both PCBs and bank-customers. This product can attract new customers who were on the brink using digital banking but just felt it was too risky. This model can facilitate the parties involved for increasing usage of on-the-go banking-services while customers can maintain optimal utility of usages.

• 서비스연구
• /
• 제4권1호
• /
• pp.1-19
• /
• 2014

Every organization needs to maintain its long-term effectiveness through the positive perceptions, attitudes, and behaviors of its members. Customer orientation, job satisfaction, and organizational citizenship behavior (OCB) are the important functioning aspects for the long-term organizational effectiveness. The purpose of this study is to investigate the impact of service-worker's customer orientation on OCB within Korean bank and insurance sector by analyzing the relationship of constructs in the conceptual model. To achieve research objectives, survey method is employed. Findings of this research reveal that both need and enjoyment dimension of CO are very important in predicting OCB. We sent 220 questionnaires to service workers of the bank and insurance then received 200 valid responses. The research was conducted in bank and insurance agency in J city. The choice of these two types of organizations was dictated by the fact that they have large number of service worker with diverse background at multiple levels in these industries. Results also indicated that the moderating effect of pay satisfaction on the relationship between their OCB and CO had a weak effect.

• 경영과학
• /
• 제29권3호
• /
• pp.23-43
• /
• 2012

Enacted for enhancing the competitiveness of the Korean capital market and financial industry, Capital Market Consolidation Act (CMCA) was intended to induce considerable changes such as adopting the concept of financial investment products, regulating financial investment functionally, extending financial investors' business areas and intensifying protection for investors. Employing DEA (Data Envelopment Analysis), this study measures and compares the efficiencies of domestic financial companies between the before and after the enactment of the Consolidation Act. We categorize the financial companies into 4 groups (banks, life insurance companies, property and casualty insurance companies and securities companies) depending on their business types, and evaluate how much and in which direction the Consolidation Act affects the efficiency of each group respectively. The study shows that there is no significant difference between the average efficiency of banks and that of property and casualty insurance companies due to the trade-off between opportunities and threats of the Act. To the contrary, it shows that the respective average efficiencies of life insurance companies and securities companies moved in the opposite directions to a considerable extent. Through empirical tests, we demonstrate the effect of the Act on the efficiency of Korean financial companies, and suggest the countermeasures for each financial group against the Act.

• 수산경영론집
• /
• 제43권1호
• /
• pp.63-74
• /
• 2012

The Korean Conflict of Laws Act recently incorporated much of the European Union's recent revision in "EC Convention on the Law Applicable to Contractual Obligations (Rome 1980)"(hereinafter Rome Convention). With the revision of Rome Convention applied to contractual obligations,"Regulation (EC) No 593/2008 of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations (Rome I)"(hereinafter Rome I) has taken effect on December 2009. Before the effectivation of Rome I, "Regulation (EC) No 864/2007 of the European Parliament and of the Council of 11 July 2007 on the law applicable to non-contractual obligations (Rome II)"(hereinafter Rome II) has come into effect on January 2009. This means the revision of certain rules and its practical implications need an in-depth study on governing law rules under Rome I which provides newly effected governing laws applicable to contractual obligations. Moreover, uniform choice of law rules on non-contractual obligations needs to focus especially on marine insurance contract. Where policy assignment and subrogation causes, how to decide the governing law which will be applied to the insurer as a third party? This article attempts to analyze emerging legal issues in legal regimes determining choice of law, especially those in international marine insurance contracts. This will help Korean practitioners to be dialed in legal affairs under English Law as the governing law in their contracts.