전자상거래 관련 보험 활성화 방안 (A Study on Activation Plan of e-Commerce Insurance)

서지정보

· 발행기관 : 한국전자상거래학회
· 수록지 정보 : 전자상거래학회지 / 8권 / 2호 / 29 ~ 51페이지
· 저자명 : 곽영암

초록

첨단기술의 발달로 전자상거래가 급속히 증가하고 있다. 네트워크로 하나가 된 세계에서 전자상거래는 시간·공간의 제약을 넘어서 언제 어디서나 누구든지 제약없이수많은 종류의 거래를 가능하게 한다. 그러나 전자상거래의 장점에도 불구하고 단점도 발견되고 있는데, 이렇게 전자상거래 사용자들을 위협하고 있는 위험으로는 해킹, 개인정보 유출·도용, 전자금융 사고, 컴퓨터범죄 등으로 그 양상이 매우 다양하고 그 피해 또한 막대하다는데 심각성이 있다. 따라서 본 연구에서는 전자상거래 관련 위험들을 담보하는 전자상거래 관련 보험의 현황을 살펴보고 보험측면과 비보험측면으로 나누어 제반 문제들을 도출한 후에 이에 대한 활성화방안을 제안하였다.

영어초록

e-Commerce has been rapidly increased in Korea since 2000. Unfortunately, the more volume of e-Commerce is increased, the worse risk of e-Commerce is simultaneously increased too, from which we understand the role of insurance relating to e-Commerce is highly required to cover loss or damage of the said risk. In the circumstances, this paper presents Activation Plans of e-Commerce Insurance after review of several problems under Korean domestic situation of e-Commerce. Problems relating to e-Commerce Insurance are divided into two sides, i.e. insurance aspect and non-insurance aspect as follows : - for insurance aspect, 1)too much Insurance Goods relating to e-Commerce, 2)lack of underwriting experience of risk, 3)monopoly and no exchange of relevant information, then for non-insurance aspect, 1)easygoing unconsciousness of all kinds of users, 2)heavily lack of qualified technician for e-Commerce security, 3)spreading stagnation of relevant e-Commerce Laws, 4)no national unifying center of risk management.
Meantime, in order to solve these problems, Activation Plans of e-Commerce Insurance are presented as follows : - for insurance aspect, 1)creating 'Package Insurance' which can be covered all kinds of e-Commerce, 2)aggressive underwriting of e-Commerce's risk, 3)sharing and exchange of insurance information, then for non-insurance aspect, 1)strengthening consciousness of all kinds of users, 2)supply of qualified technician for e-Commerce security, 3)settlement endeavor of relevant Laws, 4)foundation of national unifying center of risk management.

참고자료

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