보험판매와 고객보호의 원칙

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4 10 2 (2016) ) US$ US$ ) US$ US$63 19 US$ (US$101 19, ). US$1, < 표 1> 우리나라보험산업의세계순위 (2014 수입보험료 ( : US$1 ) : Swiss Re Sigma, , p36,38,40 ( 2015 ) (120 ) 7)., : 2012 (Consumer Insurance (Disclosure and Representation) 2012) 1 (a)

5 < 표 2> 주요국가의보험밀도와침투도 (Insurance Density and Penetration 2014)] : Swiss Re Sigma, , p19 1 US$3,163 GDP 11.3% 8). 2:1 4:1.. 8) KIRI Weekly

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8 10 2 (2016), 17),. 18). 19) 20) 21).. 22) , ) ) (a) an individual who enters into the contract wholly or mainly for purposes unrelated to the individual s trade, business or profession, and (b) a person who carries on the business of insurance and who becomes a party to the contract by way of that business. consumer means the individual who enters into a consumer insurance contract, or proposes to do so Insurance Act Insurance contracts: main definitions consumer insurance contract has the same meaning as in the Consumer Insurance (Disclosure and representations) Act 2012; non-consumer insurance contract means a contract of insurance that is not a consumer insurance contract; 17) Warranty. 18) Dta dumping. 19) Boiler plate. 20) Contracting out. 21) Default regime 라고한다. 22) Clyde & Co, Insurance and Reinsurance Update, Clyde & Co, February 2015, p3 23) (

9 ..., 70%,, ,. 25).. 24) ( 89 ). 25)

10 10 2 (2016)., (Non-consumer insurance) < 표 3> 손해보험의모집형태별원수보험료 (2014 년 ) ( : ) 구분 임직원 설계사 대리점 공동인수 중개사 방카슈랑스 합계 ,984,492 21,334,927 31,533, , ,597 9,003,301 76,577,470 화재 5,611 43, ,353 5,839 4,938 56, ,637 해상 379,333 3, ,343 3,355 71, ,302 자동차 4,167,461 2,626,552 6,639,197 45,788 45,491 23,932 13,548,421 보증 651, , ,445 1,515,117 특종 2,146, ,166 1,544,196 48, , ,991 4,999,099 해외원보험 208, , ,216 장기 291,411 16,722,133 19,495,608-57,317 7,838,438 44,404,906 개인연금 482,472 1,479,470 1,615,530-18, ,265 4,109,917 퇴직 5,651, , ,727-9,844-6,371,856 합계 13,984,492 21,334,927 31,533, , ,597 9,003,301 76,577,470 :

11 < 표 4> 주요손해보험사종사자현황 (2016 년 3 월 31 일현재 ) ( :, ) 구분 임직원 임원직원소계 설계사 대리점 메리츠 31 2,110 2,141 16,747 2,577 한화 34 3,117 3,151 31,569 2,186 롯데 18 1,557 1,575 2,700 1,201 엠지 , 흥국 21 1,356 1,377 5, 삼성 62 5,824 5,886 41,713 4,942 현대 54 3,948 4,002 21,869 7,041 케이비 30 3,290 3,320 14,986 4,271 동부 35 4,718 4,753 24,489 5,015 농협 , : , 27,296 27, ,254, 29,133.,. 1,000.., IFRS

12 10 2 (2016) 26) 27) 28). 29),. 30). 31). (Gulf) (Best Re) 90% ), (Refund Guarantee, RG ) B 3 90% A 26) Underwriting Data, (Reinsurance Slip), (Risk Evaluation and Analysis Data). 27) Reinsurer Reinsurance Underwriter. 28) Capacity Reinsurance Share 29). 30) Quoting (Following) Swiss Re Munich Re GIC Re Trust Re. GIC Re Quoting. 31) (Best Re). 32) H 2012 (Best Re) 3. H. H, SK.. [ ]

13 . 33) 2. 90% 30% (Market practice). RG 90%. 34) 90%. 90% H RG 35) A. A. A. 36) 33) A B RG. ( ).. Marc J. Pearlman and Jason P. Minkin, The Role of the Reinsurance Intermediary: Duties and Liabilities, LexisNexis. NY. American Bar Association.Vol Coverage6 (p4) 34) RG. RG RG. 35) A 90%. 36) ( ),,

14 10 2 (2016). 37)....,. 38) (declaration) (endorsement)... &no=406&qu= 37) , (Persian Gulf) 13, ( ). ( ( ) 1 (1 ) ) ,. ( 80 ). ( ) ( ) (Lloyd s Loss Book,, ) ( ) ( )

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19 ., 49) ). 51). 48) 46 ( ) ; ) (Marine Insurance Act 1906) 53 (1) ( ) (Policy effected through broker) (1),. (1) Unless otherwise agreed, where a marine policy is effected on behalf of the assured by a broker, the broker is directly responsible to the insurer for the premium, and the insurer is directly responsible to the assured for the amount which may be payable in respect of losses, or in respect of returnable premium. 50). 51) 4-29 ( ),.,

20 10 2 (2016). 52)... 53) 24 ( ) 1 54). ( ). 55), (Crown Commercial Service) (Framework Agreement) 56) 52),, 7 2, 2013, 21 53), 22 54) 24 ( ) ,,, ( ) 55).,, 2. 56) KONEPS

21 . 57) ). (The Korea Shipowners Mutual Protection and Indemnity Association; Korea P&I Club KP&I ). P&I. The Law and Economics of Framework Agreements Gian Luigi Albano, Cambridge Publishing, 2016, P43 57), 4 (4 Tiers) ) (Protection & Indemnity Insurance, P&I ), (,, ). (slot)

22 10 2 (2016) 59). P&I (Insurance Act 2015). P&I. 60) P&I P&I ) Cross border. 60) 1 2( ) ( ), P&I

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24 10 2 (2016) < >, 25, 1988, 20, 1998,,, 2006 The Law and Economics of Framework Agreements, Gian Luigi Albano, Cambridge Publishing, 2016 < >,, 28 2, 2014,,, Marc J. Pearlman and Jason P. Minkin, The Role of the Reinsurance Intermediary: Duties and Liabilities Coverage Vol. 13, LexisNexis. NY. American Bar Association. < > 2015 KIRI Weekly Swiss Re Sigma World Insurance in No.4. Clyde & Co Insurance and Reinsurance Update, Clyde & Co, February

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