• Journal of the Korean Data and Information Science Society
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• 제16권2호
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• pp.263-270
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• 2005

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.

• 한국건설관리학회논문집
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• 제12권3호
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• pp.53-61
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• 2011

정부는 1990년대 대형건축물의 붕괴사고가 잇따르고 건축물의 사고로 인한 인적, 물적 손해에 대한 보전책이 불충분하다는 지적에 따라 '국가계약법'상에 일정규모 이상의 용역이나 건설공사에 대하여 의무보험에 가입하도록 하였다. 특히 2002년에 설계 및 감리 등의 기술용역 분야를 위한 보증제도가 도입된 후 여러 운영상의 문제점이 표출되고 있으나 이에 대한 구체적인 현황 분석 및 개선방안을 마련하기 위한 연구는 매우 미흡한 상황이다. 본 논문은 델파이 방법을 사용하여 기술용역 보증제도와 관련된 주요 제도 및 운영상의 문제점을 도출하고 이에 대해서 주요 보증시장 참가자인 발주청, 용역사, 보험사의 보험업무 실무담당자를 대상으로 설문조사를 실시하여 개선방안을 도출하였다. 주요 정책적 대안으로는 신용평가에 근간을 둔 보증한도의 조정, 비효율적인 연대보증인 제도의 폐지, 제3자 인적손해의 담보범위 포함과 보험가입금액의 상향, 보험 기간의 연장 및 기타 제도정비사항을 제시하였다. 제안된 개선방안들에 대한 이해당사자간에 공감대 형성은 국내 건설 산업계의 건전한 발전으로 이어질 것으로 기대해본다.

• 경영과정보연구
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• 제3권
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• pp.77-97
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• 1999

The purpose of this paper is to measure the international competitiveness of insurance business and to analyze its determinants empirically. I have attempted to use Revealed Comparative Advantage(RCA) index to measure domestic competitiveness. confining to OECD countries only. Among domestic competitiveness advantage countries in the insurance, there are Austria, Denmark, France. Japan, Korea... etc. The factors of domestic competitiveness determinants were found out through multivariate regression analysis with panel data$(1990{\sim}1995)$. In insurance industry, statistically significant variables are employee's per capita premium of insurance company (Pro), stock market capitalization/GDP(MVESR), saving rate (SAV) and real interest(RMMR), while they are Pro, MVESR, and real interest in Korea insurance industry.

• 무역상무연구
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• 제43권
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• pp.337-370
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• 2009

The Joint Cargo Committee of International Underwriting Association of London (IUA) and Lloyd’s Market Association (LMA) have issued the revised version of Institute Cargo Clauses A, B, C, Institute Cargo Clauses (Air) and their accompanying War and Strikes Clauses. The Institute Cargo Clauses ("ICC") were last revised in 1982. Following a two year long consultation process, the latest edition of the ICC clauses became available to the Market on 1st January 2009. The overall result of the amendments to the 1982 ICC has been to create clearer policies that are more favourable to the Assured. Exclusions have also been amended to the advantage of the assured. The Transit Clause has seen a large revision, again more favourable to the Assured. The insurance now attaches within the warehouse or place of storage when the goods are "first moved$\cdots$ for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit" whereas previously the insurance would not attach until the goods left the warehouse. Furthermore, the insurance now terminates on completion of unloading from the vessel at (rather than delivery to) the final warehouse or at a warehouse prior to the destination named in the contract of insurance which the Assured or their employees elect to use either for storage or distribution.

• KDI Journal of Economic Policy
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• 제39권4호
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• pp.69-94
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• 2017

This paper re-examines the impacts an institutional arrangement may have on labour market outcomes such as the employment and unemployment rates. Based on the results from a generalized econometric model, the generosity of unemployment insurance benefits, organized labour and active labour market policy have effects on a labour market in line with previous findings. However, taxes on labour and the degree of employment protection are found to affect neither the employment rate nor the unemployment rate. Thus, some findings in this paper validate earlier findings, whereas others do not.

• 한국산학기술학회논문지
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• 제21권3호
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• pp.108-117
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• 2020

이 연구는 우리나라 고용보험제도의 사각지대를 젠더 관점에서 분석하여 고용보장 측면에서 여성에게 실질적인 제도적 보장이 제공되고 있는지의 여부를 실증적으로 검토하고 이를 토대로 고용보험제도의 향후 발전방안에 대해 제언하는 것을 목적으로 한다. 분석 자료로 한국노동패널 12차년도(2009년)와 20차년도(2017년) 자료를 이용하였으며, 사각지대의 원인 분석을 위해 로지스틱 회귀분석(logistic regression)을 실시하였다. 연구결과, 고용보험의 실질적 사각지대는 2009년에 성별 격차가 10%p 이상이었으나 2017년에 5%p 정도로 감소하여 실질적 사각지대의 성별 격차는 다소 완화된 것으로 파악되었다. 고용보험 미가입 원인의 경우 다른 인구사회학적 요인들을 통제할 경우 여성의 고용보험 미가입 가능성이 남성보다 낮아, 노동시장 내 여건이 성별로 동일하다면 여성의 고용보험 가입률이 오히려 남성보다 높아질 가능성이 있는 것으로 나타났다. 분석결과에 따른 정책적 제언은 다음과 같다. 현재의 고용보험제도는 성별 자체에 의한 가입률 차이보다는 노동시장 특성이 미치는 영향이 더 큰 것으로 나타나, 성별 노동시장 격차를 완화시키는 것이 고용보험 가입의 성별 격차를 완화시키는 중요한 방법이라는 점을 알 수 있다. 이를 위해 단기적으로는 현재 시행되고 있는 사회보험료 지원 사업이 효과적일 수 있으나, 근본적으로는 여성의 고용환경을 개선시키기 위한 정책적 노력과 더불어 정규직·고임금 노동자를 중심으로 한 현재의 고용보험제도가 불안정 일자리 및 저임금 노동자들을 포괄할 수 있도록 개편될 필요가 있다.

• 무역상무연구
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• 제34권
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• pp.77-108
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• 2007

The traditional name given to the insurance of third party liabilities and certain contractual liabilities which arise in connection with the operation of ships is protection and indemnity(P & I) insurance. P & I insurance is very different from traditional hull and machinery insurance in that shipowners' hull and machinery insurance is designed primarily to protect the assured against losses to his vessel, whereas P & I insurance seeks to indemnify an shipowner in respect of the discharge of legal liabilities he has incurred in operating his own vessels. This study is to examine the background of establishment of British P & I clubs md, therefore, the identity of P & I insurance. The present British P & I clubs are the remote descendants of the many small and local hull mutual insurance clubs that were formed by British shipowners in the end of 18th century. At that time, British shipowners were dissatified with the state of marine insurance market and, therefore, established clubs together in mutual hull insurance clubs. After the removal of the company monopoly in 1824, greater competition had a good effect on the rates, terms of cover and service offered by the commercial marine insurance market and by Lloyd's underwriters, and the hull clubs became less necessary and went into decline. The burden of British shipowners on liabilities to third parties was steadily increased after the middle of the 19th century, but the amount insured under hull policy was limited in the insured value of the ship. Eventually, the first protection club, that is, the Shipowners' Mutual Protection Society was formed in 1855. It was designed to like past mutual hull clubs, but to cover liabilities for loss of life and personal injury and also the collision risks excluded from the current marine policies, particularly the excess above the limits in hull policies. In 1870, the risks of liability for loss of or damage to cargo carried on board the insured ship was first awarded by the British shipowners. After 1874, many protection clubs formed indemnity club to cover the risk of liability for loss or damage to cargo. As mentioned above, British P & I clubs have been steadily changed according to the response of shipowners under the rapidly changing law of British shipowners' liability, and so on in the future.

• 무역상무연구
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• 제61권
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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.

• 이베로아메리카
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• 제13권1호
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• pp.69-94
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• 2011

Chile has been the first country in Latin America which has built a two-tiered health care system by partially privatizing the health insurance sector. Despite the intial decrease of health expenditure, more researches now show that health inequality within the Chilean health sector has been augmented with privatization of its insurance system. To explore such inequality, this article looks into the impact of privatization of health insurance on women's health. The author argues that privatization has intensified medicalization of women's body and, consequently, it worsened women's health in Chile. This article contributes to a more comprehensive understanding of market-oriented health care reform by linking it with medicalization process.

• 무역학회지
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• 제46권6호
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• pp.73-92
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• 2021

Small and medium-sized enterprises (SMEs) account for a large proportion of the total number of enterprises in many countries. The development of SMEs has contributed to job creation and economic benefits. Every government has formulated active diversification strategies to promote the export market of SMEs, but the performance of export capabilities remains insufficient. The primary purpose of this study is to examine the effectiveness of export credit insurance in promoting SME export performance in Canada. Using data from 2008-2017, the augmented Dickey-Fuller (ADF) model to test the stationarity of the concerned variables and the error correction model (ECM) and autoregressive distributed lag (ARDL) cointegration test to empirically investigate the cointegration relationship between the research targets. The results represent the positive and critical impact of export relative price and domestic demand pressure on Canada's export performance, and the negative impact of the export volume index at a significant level. Regrettably, the impact of export credit insurance on the export performance of Canadian SMEs is considered exaggerated overall. In view of this result, it is necessary for the Canadian government to enact policies based on the current market status. And enhance confidence among SMEs to begin exports and diversify their markets rather than focusing only on the domestic or US market, especially given the impact of COVID-19. From the case of Canada, Korean government can attempt to learn from them to conduct more efficient strategies for SMEs.