earticle

영어

This paper is a study on the adverse selection in trade insurance clauses. The purpose of this paper is to analyse the clauses of adverse selection, and then towork out the solution about asymmetric information fromadverse selection in trade insurance clauses. For this purpose, especially this paper explains theoretically the adverse selection. Also this paper analyse term of insurance, commencement date, duty of disclosure, subrogation, package policy, experienced premiumrate in trade insurance clauses. The problems created by adverse selection are an important impediment to well functioning trade insurance, so insurancemarket failure occurs because of those problems. In conclusion, for the economically corresponding schems of the problems fromadverse selection, authority and insurer should plan andmanage some solutions suchas normor systemtomitigate the problems of adverse selection, collateral, monitoring and enforcement of restrictive covenants etc. Tomaintain a long termgrowth in trade insurancemarket, the insurer needs to make continuous efforts discouraging adverse selection by the means of minimizing information asymmetry and reviewing the insurance incentive.

한국어

무역보험은공익적특수성으로인해위험의측정이나보험료의결정등이대수의법칙에의해 이루어지기보다는무역등대외거래에대한지원의필요성에따라이루어지고있다.이로인해 무역보험에서역선택의문제가발생하게된다. 그동안일반보험시장에서의역선택에관한연구는많이진행되어왔으나무역보험에서역선택 에관한연구는거의없는상태이다. 이에본연구에서는현행무역보험종목별약관상역선택 조항을크게보험기간의제한,보험책임시기의제한,고지의무,보험대위,포괄보험제도,경험요 율적용등으로구분하여이들약관의내용을구체적으로분석해보았다.이중고지의무와보험대 위를제외하고는무역보험에서역선택을방지할수있는조항이많이규정되어있지않음을알 수있었다. 무역보험에있어서도보험자가위험선택과관련해위험측정에중요한영향을미칠 수있는모든사항을파악한다는것은불가능하므로역선택을현실적으로완화시킬수있는다양한 방법등을제시함으로써보다완전한무역보험계약을체결하는데연구의의의가있다하겠다.