은행의 재무건전성이 임원배상책임보험료에 미치는 영향

Due to a paradigm shift in the finance industry following the Asian financial crisis, the interest in financial risk is growing. This study examines empirically whether insurance companies consider the financial health of banks as an important variable to take into account when they calculate premiums. Specifically, this study examines how BIS ratio, nonperforming loans of their total lending, loan-loss provisioning ratio, Household loans ratio of domestic banks affect Directors' and Officers' (D&O) Liability Insurance Premiums. As a result, the level of the financial health of banks has a significant effect on Directors' and Officers' (D&O) Liability Insurance Premiums. In regression analysis controlled for the corporate governance and banking business risk which were proven to affect bank risk in previous research, the level of the financial health of banks such as BIS ratio, loan-loss provisioning ratio, Household loans ratio has an important effect on the calculation of Directors' and Officers' (D&O) Liability Insurance Premiums. In its research results, this study deduces that insurance companies think the financial health of banks as an important variable to take into account when they calculate premiums. This study has value to both academics and practical insurance since the number of domestic studies on corporate insurance is too far behind.