....,,,,, (P&I) 76) 18 ( ) 7... 1%..,,. * (2016.12.08), (2016.12.24), (2016.12.26) - 187 -
10 2 (2016).... 1). ( ). (Underwriting) 2) (Solicitation) 3). (Underwriting). 2021 (IFRS)17 4) 1) (, http://dictionary.cambridge.org/dictionary/english/commercial-insuranc e),,,,,,. (https://www.kidi.or.kr/stats/general_result.asp), ( ). 2) (Insurance underwriting). ( ). https://en.wikipedia.org/wiki/underwriting 3) http://resources.lawinfo.com/insurance/kentucky/what-does-solicit-mean-in-insurance.html. ( 2 11 ) 4) (IASB) (International Financial Reporting Standard) 2017. 2016 11 7. - 188 -
5)... 2014 9 (US$579 43 ) 6) ( http://www.hankyung.com/news/app/newsview.php?aid=2016110778271 2021 1 1. IFRS4 IFRS17. ( ). (Revenue)., 2016 12 27 https://en.wikipedia.org/wiki/ifrs_17 ) 5),. ( ) https://en.wikipedia.org/wiki/insurance_broker 6) 3 ( ). : KIRI Weekly 2012.9.3. 13, 1 (.) 1, 1. ( ), 1... http://www.insweek.co.kr/. (, ) (, ). - 189 -
10 2 (2016) ) US$413 13 US$166 33 9 18. 7) US$103 14 US$63 19 US$141 54 27 (US$101 19, ). US$1,428 85 7. < 표 1> 우리나라보험산업의세계순위 (2014 수입보험료 ( : US$1 ) : Swiss Re Sigma, 2015 4, p36,38,40 ( 2015 ) (120 ) 7)., : 2012 (Consumer Insurance (Disclosure and Representation) 2012) 1 (a) - 190 -
< 표 2> 주요국가의보험밀도와침투도 (Insurance Density and Penetration 2014)] : Swiss Re Sigma, 2015 4, p19 1 US$3,163 GDP 11.3% 8). 2:1 4:1.. 8) KIRI Weekly 2015.7.6. 5-191 -
10 2 (2016). ( ). ( 9) ). 10). 11)...... 12). 9) 10) Underwriter. 11) (programming). 12),, 7 2 (2013) 16-192 -
2101 (firm) (association) (corporation),. 13). 14).. 15) (Insurance Act 2015) (Non-Consumer Insurance) 16) 13),, 28 2, 2014, 270 14), 271 15) 2015 (Insurance Act 2015) (Marine Insurance Act 1906) 53(1). 16) 2012 (Consumer Insurance (Disclosure and Representation) 2012) 1 (a)., : (Non-Consumer Insurance), 2015 1. Consumer Insurance (Disclosure and Representation) 2012) 1. Main definitions consumer insurance contract means a contract of insurance between- - 193 -
10 2 (2016), 17),. 18). 19) 20) 21).. 22) 2016 7 123 99, 24. 23) 1977 1997 4 24) (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 2015 1. 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) (http://www.ikiba.or.kr/) - 194 -
..., 70%,,. 1997.,. 25).. 24) ( 89 ). 25) 20 1998.3. 380. - 195 -
10 2 (2016)., (Non-consumer insurance).. 2014.. < 표 3> 손해보험의모집형태별원수보험료 (2014 년 ) ( : ) 구분 임직원 설계사 대리점 공동인수 중개사 방카슈랑스 합계 2014 13,984,492 21,334,927 31,533,538 103,615 617,597 9,003,301 76,577,470 화재 5,611 43,833 194,353 5,839 4,938 56,063 310,637 해상 379,333 3,603 276,343 3,355 71,502 166 734,302 자동차 4,167,461 2,626,552 6,639,197 45,788 45,491 23,932 13,548,421 보증 651,956-854,715 - - 8,445 1,515,117 특종 2,146,788 287,166 1,544,196 48,633 410,325 561,991 4,999,099 해외원보험 208,347-374,869 - - - 583,216 장기 291,411 16,722,133 19,495,608-57,317 7,838,438 44,404,906 개인연금 482,472 1,479,470 1,615,530-18,180 514,265 4,109,917 퇴직 5,651,115 172,170 538,727-9,844-6,371,856 합계 13,984,492 21,334,927 31,533,538 103,615 617,597 9,003,301 76,577,470 : 2015-196 -
< 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 21 706 727 4,094 779 흥국 21 1,356 1,377 5,718 968 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 7 670 677 1,369 153 : 2016 6 129 10 313, 27,296 27,609 165,254, 29,133.,. 1,000..,. 2021 IFRS17 1970. - 197 -
10 2 (2016) 26) 27) 28). 29),. 30). 31). (Gulf) (Best Re) 90% 2011. 32), (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,. 2012 10 31 847. SK.. [ 2014. 09. 03] - 198 -
. 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. 13. 2003.4. Coverage6 (p4) 34) RG. RG RG. 35) A 90%. 36) ( ),, - 199 -
10 2 (2016). 37)....,. 38) (declaration) (endorsement)... http://www.insweek.co.kr/dictionary/view.php?ind_sel=han&index= &no=406&qu= 37) 1982 8 9, (Persian Gulf) 13,. 520 1982 8 10 7 ( ). ( ( ) 1 (1 ) ). 8 10 8 10,. ( 80 ). ( ) 8 10 1 ( ) (Lloyd s Loss Book,, ) ( ) 8 9 2 1985 7 9.. ( ). - 200 -
.. 39)..... 40) 38) 2014.4.16.. (Korean Register of Shipping, KR) ( ). 20. (Institute Classification Clause) 15. ( ). 39). 40). - 201 -
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. 42). (Underwriting)...... RG A,. 178 ( ) 3 1 43) 42) 46 ( ).. 11. ; 17. 43) - 203 -
10 2 (2016).. 36 ( ) 44) RG. 45)... 46).. 47) 48) 44) 89 4. 1. 2. 1 1 3. 45),. 46) 646 2( ). 1. ( ) 47) 94 ( ).. - 204 -
., 49).... 50). 51). 48) 46 ( ).. 11. ; 17. 49) (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 ( ),.,. - 205 -
10 2 (2016). 52)... 53) 24 ( ) 1 54). ( ). 55),. 1995.7.6. 1997 4. (Crown Commercial Service) (Framework Agreement) 56) 52),, 7 2, 2013, 21 53), 22 54) 24 ( ) 41 3 2. 1.,,, ( ) 55).,, 2. 56) KONEPS - 206 -
. 57)....... 58). (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).. http://ccs-agreements.cabinetoffice.gov.uk/contracts/rm3731 58) (Protection & Indemnity Insurance, P&I ), (,, ). (slot). - 207 -
10 2 (2016) 59). P&I 2016 8 12 (Insurance Act 2015). P&I. 60) P&I P&I...... 59) Cross border. 60) 1 2( ) 2 1. 1. ( ), P&I. - 208 -
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10 2 (2016) < >, 25, 1988, 20, 1998,,, 2006 The Law and Economics of Framework Agreements, Gian Luigi Albano, Cambridge Publishing, 2016 < >,, 28 2, 2014,,, 7 2 2013 Marc J. Pearlman and Jason P. Minkin, The Role of the Reinsurance Intermediary: Duties and Liabilities 2003.4. Coverage Vol. 13, LexisNexis. NY. American Bar Association. < > 2015 KIRI Weekly 2015.7.6. 2016 6 2015 Swiss Re Sigma World Insurance in 2014 2015. No.4. Clyde & Co Insurance and Reinsurance Update, Clyde & Co, February 2015 http://dictionary.cambridge.org/dictionary/english/commercial-insurance - 210 -
https://www.kidi.or.kr/stats/general_result.asp https://en.wikipedia.org/wiki/underwriting http://resources.lawinfo.com/insurance/kentucky/what-does-solicit-mean-in-insurance.html http://www.hankyung.com/news/app/newsview.php?aid=2016110778271 https://en.wikipedia.org/wiki/ifrs_17 https://en.wikipedia.org/wiki/insurance_broker http://www.insweek.co.kr/ http://www.ikiba.or.kr/ http://www.insweek.co.kr/dictionary/view.php?ind_sel=han&index= &no=406&qu= http://ccs-agreements.cabinetoffice.gov.uk/contracts/rm3731-211 -
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