earticle

영어

Historically Lloyd's of London has been one of the world's most important markets for marine, aviation, and other lines of insurance. Lloyd's of London is not an insurance company ; it is a large insurance marketplace. Lloyd's is a meeting place where underwriters meet organizations with exposures to loss. At Lloyd's, broker meets underwriter to arrange the transfer of a client's loss exposure. The operations at Lloyd's have evolved since 1688, when Lloyd's of London was a coffeehouse operated by Edward Lloyd. Since that date, numerous changes in policy and membership occurred. In 1969, foreigners were allowed to become names at Lloyd's. Now Lloyd's admits corporations to the underwriting syndicates. Why does the Lloyd's market remain interesting nowadays? The several reasons are analyzed as following : ⅰ) because of its historical fame Lloyd's has now the insurance brand power of “Lloyd's”, ⅱ) because of Lloyd's members' experience, Lloyd's has one of the best underwriting knowhow for general items and specialties, ⅲ) Lloyd's provides worldwide insurance services through the Lloyd's agency which opened in great cities in the world, ⅳ) Lloyd's has the effective system to accept insurance contracts; each underwriting syndicate is a separate legal entity that is relatively free to accept or reject insurances.

한국어

로이즈는 개인보험업자의 집합체로 17세기경 영국에서 시작된 개인 보험업자들로 구성된 보험자이다. 오로지 영국에서만 존재하는 독특한 보험자의 형태인데 해상보험을 비롯하여 모든 보험 종목을 다 취급하고 있다. 특히 로이즈는 전 세계로부터 재보험을 취급하고 있어 영국의 국제수지 개선에 기여하고 있다. 이 논문은 로이즈의 생성과정 및 현황 분석을 통해 로이즈가 보험자로서 지니고 있는 재보험경쟁전략을 분석한 것이다. 연구 결과 로이즈의 경쟁력은 브랜드 파워와 자생능력, 인수노하우와 담보능력, 세계적인 서비스 네트워크 구축 및 독창적인 인수 시스템의 형성 등으로 볼 수 있다.