• 무역상무연구
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• 제27권
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• pp.129-161
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• 2005

Todays, computers in business world are potent facilitators that most companies could not without them, while they are only tools. They offer extremely efficient means of communication, particularly when connected to Internet. What I stress in this article is the risks accompanied by e-commerce rather than the advantages of Internet or e-commerce. The management of e-commerce companies, therefore, should keep in mind that the benefit of e-commerce through the Internet are accompanied by enhanced and new risks, cyber risks or e-commerce risks. For example, companies are exposed to computer system breakdown and business interruption risks owing to traditional and physical risks such as theft and fire etc, computer programming errors and defect softwares and outsider's attack such as hacking and virus. E-commerce companies are also exposed to tort liabilities owing to defamation, the infringement of intellectual property such as copyright, trademark and patent right, negligent misrepresent and breach of confidential information or privacy infringement. In this article, I would like to suggest e-commerce insurance or cyber liability insurance as a means of risk management rather than some technical devices, because there is not technically perfect defence against cyber risks. But e-commerce insurance has some gaps between risks confronted by companies and coverage needed by them, because it is at most 6 or 7 years since it has been introduced to market. Nevertheless, in my opinion, e-commerce insurance has offered the most perfect defence against cyber risks to e-commerce companies up to now.

• 통상정보연구
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• 제7권3호
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• pp.27-51
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• 2005

Todays, computers in business world are potent facilitators that most companies could not without them, while they are only tools. They offer extremely efficient means of communication, particularly when connected to Internet. What I stress in this article is the risks accompanied by e-commerce rather than the advantages of Internet or e-commerce. The management of e-commerce companies, therefore, should keep in mind that the benefit of e-commerce through the Internet are accompanied by enhanced and new risks, cyber risks or e-commerce risks. For example, companies are exposed to computer system breakdown and business interruption risks owing to traditional and physical risks such as theft and fire etc, computer programming errors and defect softwares and outsider's attack such as hacking and virus. E-commerce companies are also exposed to tort liabilities owing to defamation, the infringement of intellectual property such as copyright, trademark and patent right, negligent misrepresent and breach of confidential information or privacy infringement. In this article, I would like to suggest e-commerce insurance or cyber liability insurance as a means of risk management rather than some technical devices, because there is not technically perfect defence against cyber risks. But e-commerce insurance has some gaps between risks confronted by companies and coverage needed by them, because it is at most 6 or 7 years since it has been introduced to market. Nevertheless, in my opinion, e-commerce insurance has offered the most perfect defence against cyber risks to e-commerce companies up to now.

• Journal of Information Technology Applications and Management
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• 제15권3호
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• pp.91-110
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• 2008

Trust is emphasized as one of the most important factors in various e-commerce related studies. It is no exaggeration to say that in the area of e-commerce, trust-building with customers determines a company's success or failure. That is why most e-commerce based companies spare no time and effort in building trust with customers. Without exception, trust is one of the most critical factors influencing a customer's decision making process of whether to purchase Internet automobile insurance. This study attempts to provide useful guidelines for the sales-enhancing strategies of Internet automobile insurers, by delving into research questions concerning 1) gender differences in Internet automobile insurance customers' recognition of trust, and 2) gender differences in the effective trust factors influencing one's intention to purchase of Internet automobile insurance. The study finds that while the shape of trust-recognition toward three types of trust factors is very similar for both gender groups, the intensity of trust for each gender group in overall is pretty different. The results indicate that there exist gender differences in the trust factors influencing one’s intent to purchase Internet automobile insurance. The results of this study will provide useful guidelines for Internet automobile insurers in establishing effective and differentiated marketing strategies.

• 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.

• 통상정보연구
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• 제17권2호
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• pp.173-197
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• 2015

정보통신기술의 발달은 전자상거래의 규모를 더욱 확대시켰고, 거대한 인터넷 쇼핑몰을 성장시켰다. 최근에 소비자들이 해외직접구매(이하 '해외직구')에 대한 관심이 높아지면서 해외직구 건수 및 이용금액은 지속적으로 증가하고 있다. 그러나 해외직구를 통한 소비가 증가함에 따라 소비자들의 피해와 분쟁도 증가하고 있어 해외직구를 이용하는데 세심한 주의가 필요로 한다. 해외직구 이용 시 소비자피해가 발생하는 이유는 전자상거래(해외직구 포함)가 비대면 거래방식으로 인하여 사업자와 소비자의 신뢰문제, 물품의 배송, 반품, 환불의 거래 불이행 문제, 및 물품의 정보비대칭성 문제 때문에 넓은 범위에서 많은 다수의 소비자피해가 발생할 가능성이 높다. 본 연구에서는 국내의 해외직구 현황과 해외 직구 거래 시 소비자피해 구제와 소비자보호를 위한 사전적 사후적 개선방안을 통해 소비자피해 감소 및 정부의 정책방안을 제시하였다. 또한 실제 소비자 피해에 대한 보상이 미약하기 때문에 소비자피해에 대한 적극적인 보상 및 보호, 전자상거래의 위험전가, 전자상거래의 지속적인 발전을 위해 e-Commerce보험제도의 도입 실행 가능성에 대한 대안을 제안하였다.

• 무역상무연구
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• 제47권
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• pp.337-353
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• 2010

On payment of the insurance money the insurer is entitled to be subrogated to all right and remedies of the assured in respect of the interest insured in so far as he has indemnified the insured. The purpose of subrogation is to prevent the assured from recovering more than once for the same loss, e.g. where goods are lost owing to a collision, the assured cannot claim the insurance money from the insurer and then sue the owners of the ship that negligently caused the collision. Under the doctrine of subrogation the right to sue owners of the negligent ship passes from the assured to the insurer on payment of the insurance money. The insurer is subrogated to the assured 'rights against the carrier under the contract of carriage. To defeat the cargo underwriters' subrogation righters, the carriers inserted in their B/L a clause allowing the carriers to have the "benefit of the shipper's insurance. But, in the Hague Rules, Hamburg Rules, Rotterdam Rules, its makes void any clause that assigns a benefit of insurance of the goods in favour of the carrier. In practice the insurer asks the assured to sign a letter of subrogation and retains the documents in order to prosecute the rights subrogated to him.

• 디지털융복합연구
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• 제11권11호
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• pp.29-36
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• 2013

전자상거래 시장이 삐르게 증가하고 관련 산업이 발달하고 있다. 전자상거래의 특징인 비대면 거래 방식규모의 증가와 더불어 다양한 결제수단 등장으로 전자상거래에서 소비자 피해도 증가하고 있는 추세이다. 본 연구는 구매안전서비스라는 제도측면에서 소비자 보호방안에 대하여 살펴보았다. 구매안전서비스의 대표적인 결제대금예치 제도와 소비자피해보상보험 등의 한계점을 살펴보고 개선방안을 제시하였다. 불법적인 구매안전서비스 홍보를 방지하기 위해서는 소비자의 포상신고제를 운영하고 결제대금예치제도의 예치기간 악용에 대해서는 차감정산제도와 결제 대금예치사업자에게 분쟁중재역할 제공에 대한 검토가 필요하다. 결제대금예치를 통한 거래발생시 증서형태로 소비자에게 전달하고 구매안전서비스의 적극적인 홍보와 지속적인 제도개선 노력이 필요하다.

• 한국전자거래학회:학술대회논문집
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• 한국전자거래학회 2003년도 종합학술대회 논문집
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• pp.172-177
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• 2003

As the electronic commerce in industry is spreading rapidly, the invitation and investment of e-marketplace is becoming a necessary condition for the industry's competition power insurance and existence. The successful conditions of e-marketplace are many supplier, many buyer, a globalism through the association and cooperation of a foreign marketplace. For that, the connection action inter industries and marketplaces is very necessary, In a condition of the study about the systematic connection type's classification is not exist, the paper aims at classifying the connection type that influences of e-marketplace playing a leading role. So, the connection type classifies into the list offering type, the trade mediation type, the supplementation type, the collaboration type, the information linking type. When we go ahead with a e-marketplace's plan, the paper will guide how to approach and analyze it.

• 통상정보연구
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• 제18권2호
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• pp.3-26
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• 2016

크라우드펀딩(Crowdfunding)은 인터넷 기반 플랫폼을 이용하여 개인 및 기업이 필요한 자금을 다수의 대중으로부터 모으는 행위로 SNS 확산과 더불어 성장하고 있다. 크라우드펀딩의 기능은 자금조달에 어려움을 겪고 있는 기업 및 창업기업들에게 혁신적인 자금조달 수단이다. 국내 크라우드펀딩은 도입초기단계로 문화, 예술 분야에 집중되어 있고, 공익적인 성격을 가진 프로젝트가 많다. 그러나 국내 크라우드펀딩의 높아진 관심에도 불구하고, 전자상거래 무역창업에 크라우드펀딩의 투자사례는 드물며, 창업금융의 역할에도 미비하여 많은 문제점이 제기 되고 있다. 본 연구의 목적은 전자상거래 무역창업에 크라우드펀딩을 성공적으로 활용하고자 할 때 고려되어야 할 요인들을 살펴보았다. 본 연구는 크라우드펀딩 시장현황과 각국의 법률 및 정책을 살펴보고, 이를 통해 전자상거래 무역창업 투자 관점에서 국내 크라우드펀딩 관련 법률 및 제도의 활성화 방안을 제시하였다.

• 통상정보연구
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• 제8권3호
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• pp.71-95
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• 2006

In recent, T-commerce is widely dispersed as alternative type of commerce. It is forecasted that t-commerce system is used more than e-commerce system. Therefore more and more t-commerce-related industries are also recognizing that t-commerce is a critical business model. It is needed to understand the concept of t-commerce and develop the t-commerce marketing strategy. CEO analyses consumer's behaviors according to the data about buyers and applies the advantage of t-commerce to the communication with customers. This t-commerce system plays an important role in maximizing customer satisfaction and affecting their intention to reuse it. Therefore this paper attempts to identify T-commerce critical success factors and divide between use-intention group and unuse-intention group by taking out a discriminant function by the discriminant analysis. This lays a foundation in developing T-commerce strategy. According to the discriminant function extracted, convenience factor, amusement factor, system quality factor, product perception factor are significant in the sequence of influential degree. However, usefulness factor and speedy connection factor are not significant. In result, the target hitting rate is 77.9% in the first unuse-intention group and it is 95.2% in the second use-intention group. The total discriminant target hitting rate is computed to higher value, 86.55%. The statistic package, SPSS 12.0, is used to survey and analyse data and test the hypothesis. The validity and reliability of variables are verified by both reliability analysis and factor analysis. The discriminant analysis is used to tell the difference between use-intention group and unuse-intention group.