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학술저널

불공정 보험계약 전환의 개선방안에 관한 연구

A STUDY ON THE UNFAIR CONVERSION OF INSURANCE CONTRACTS

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Insurance contract is imperfect mainly due to information asymmetry between insurance company and policyholders and resulting bounded rationality. Accordingly, there is a good possibility of occurring damage to policyholders who are in inferior position in terms of holding good information on insurance products and on management of insurance business and this is why we need proper measures of policyholder protection out of this problem. Recently we have witnessed some serious cases of unfair ocnversion of insurance contracts and resulting policyholders losses. Out of fear of making loss due to interest rate differential under the recent economic environment of ever low interest rates, insures might try to mislead policyholders to cancel their original high-return contracts or to convert them to another low-return products. This study analyzes the economics of contract conversion with the case of insurance contract which is to be imperfect itself due to information asymmetry. Also, we discuss the problems of unfair conversion of insurance contracts with specific cases and the need for more effective govermment regulation on this business. Insureds themselves have to be careful to examine economic benefits and costs out of contract conversion to prevent their loss. Also, considering the imperfect nature of insurance contract out of informaion asymmetry, the supervising authorities should implement good regulation to prevent damage to policyholders out of unfair conversion of insurance contracts through on-going monitorings and proper disciplines. Above all, however, concerning the disputes of unfairness in contract conversions, self-regulation of insurers should be most desirable because their credibility in trading is the very absolute factor for successful insurance business in the long run.

Ⅰ. 서론

Ⅱ. 보험계약의 불완전성

Ⅲ. 보험계약 전환의 경제성 분석

Ⅳ. 불공정 보험계약 전환 개선방안

Ⅴ. 결론

참고문헌

Abstract

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