북한의 보험법 연구

• 영문명: A study on the North Korea's Insurance Act - focused on the contents of insurance contract law's general rule
• 발행기관: 한국재산법학회
• 저자명: 전우현(Chun, Woo-Hyun)
• 간행물 정보: 『재산법연구』財産法硏究 第29卷 第1號, 205~241쪽, 전체 37쪽
• 주제분류: 법학 > 법학
• 파일형태: PDF
• 발행일자: 2012.05.31

국문 초록

북한의 보험법은 사경제 주체의 자유로운 사업상 위험을 회피하게 하려는 것 이 아니라 경제감독적 차원에서 제정된 것이다. 보험사업도 공행정의 하나로 보고， 보험료의 축적과 보험금 기금의 관리는 국가 경제안정의 수단임과 동시에 경제정책의 일종으로 간주된다. 보험법의 원리로서 자발성(자원성)， 의무성， 신용성이 거론되는데 그 중 자발성(자원성)과 의무성은 상호 모순되는 성격을 지니고 있고 신용성은 보험계약상 국제적으로 정립된 원칙을 수용한 것으로 평가된다. 북한에서도 보험계약의 당사자는 보험계약자와 보험자이다. 보험사업자인 보험자는 원칙적으로 국가기관(국가보험감독기관)만이 담당하고 특수경제지대에서만 그 예외가 인정 된다 보험모집 종사자로서는 보험모집인 보험대리상은 없고 보험중개인제도만 존재한다. 그런데 보험중개인의 권한 권리 의무 책임이 어떠한지에 대해서는 전혀 정한 바가 없다. 북한의 보험계약법도 피보험이익을 요구하지만 일부보험， 초과보험， 중복보험 둥에 관한 규율이 분명하지 않고， 보험계약 자체가 우리처럼 원칙적으로 낙성 • 불요식 계약이 아니라 요물계약성， 요식계약성의 성질을 띠고 있다 보험자 대위에 있어서도 제3자 대위만 규정하고 잔존물 대위에 대해서는 명문이 없다.

영문 초록

The recent death of Kim long Il in North Korea is looked on to affect South-North Korea's economic cooperation as well as the policy of reunification in Korea. A variety of insurance contract can be included in the economic cooperation between South and North Korea, and accordingly there can be conflict in the insurance contract. I wanted to analyze the characteristics of North Korea's Insurance Act and compare it with that of ow' Insurance Act, which will help us to solvetarbitration) the dispute in insurance premium and insurance money. And it is required that we know the norms of a society to understand its structure of social consciousness. When it comes to look at insurance contracts, it is impossible for the government to recompense all private damages caused by the natural disaster or other accident even in the communist distribution system. Thus, insurance serves as a useful safety device to the victims of individual, enterprises, institutions, cooperative farms in North Korea, which tells capitalist insurance system is inevitable even in North Korea. We need to research the North Korea's insurance system because South-North Korean economic cooperation will become much more closely than now if the North Korea's foreign policy changes to open its economic system In the dispute on the damages in the land, sea or aviation accident, insurance contract will be useful to solve it. So North Korea's Insurance Act is needed to be examined closely. North Korea is an anti-liberty society, so it blames liberal insurance contract system as a means to sqeeze out the people. Nevertheless, North Korea admits the liberal economic principles of insurance law wholy. North Korea's insurance business is monopolized by the government. A social security system has been developed in the communist economy theoretically, and North Korea's insurance system is connected with this social security system North Korea's insurance has dual system, which are insurance contract agreed by both parties and social insuranceOabor insurance), which explains that North Korea's insurance contract may be interpreted like the social insurance. North Korea's Insurance Act was not aimed to avoid the risk in free business, but supervise the economic activities. The accumulation of premiums and the management of insurance fund are regarded as means of national economic stability and economic policy. North Korea's Insurance Act classifies insurance as personal insurance and property insurance, which has the characteristic classifing the insurance contract according to the insured objective. The parties of the insurance contract in North Korea are the insurer and the insured (policyholder). There is only insurance broker system among the insurance contract's intermediaries. But insurance broker's authority, right, obligation and responsibility are not clearly prescribed. The regulation of under insurance, excess insurance, double insurance is not clear, though North Korea's insurance contract law requires insurable interest. It has only the subrogation system as to the third party, without one as to the insured object. Insurance contract is null and void in North Korea, if it infringes the interests of society and the community, or is concluded illegally, or is concluded after insurance accident broke out. Nevertheless, its interpretation is not clear. And, revocation and cancellation of the contract can not be distinguished in North Korea's Insurance Act. Insurance contract can not be revoked arbitrarily by the insurer, which is like the liberal insurance contract law. When insurance premium is not paved, its sanction is strict as much as the insurer don't pay insurance money at all, though insurance accident breaks out. The reinsurance contracts are needed in North Korea particularly, as he original insurers cannot cover all the damages caused by the natural disasters and other risks.

목차

【요 지】

Ⅰ. 서설

Ⅱ. 북한보험제도의 성립과 북한당국의 보험관

Ⅲ. 북한보험법의 통칙적 내용

Ⅳ. 남북교류와 통일 전망에서의 보험질서

Ⅴ. 결어

【참고문헌】

키워드

남북한간의 경제협력 보험료와 보험금 분쟁사례 북한사회 의식구조의 이해 자유적대적인 보험관 보험사업의 국가기관(국가보험감독기관) 독점 국가 경제안정의 수단 인체보험과 재산보험의 구분 보험중개인제도 자연재해와 재보험 필요성 recent death of Kim long Il South-North Korea's economic cooperation conflict in the insurance contract arbitration analyze the characteristics of North Korea's Insurance Act North Korea's foreign policy social security system insurance broker system insurable interest the subrogation as to the third party reinsurance contracts natural disasters and other risks