단기수출보험(EFF)에 대한 연구

Nowadays many countries make an effort to support export and to provide better law about export credit insurance. In fact, export credit insurance law has developed significantly worldwide in recent years. The trade volumes are also symbol of competitiveness of one country. In the mean time, korea became the 7. large export country in the world(2010). The korean government has offered special effort and support to export companies. One of them is the Export credit insurance. The short term export credit insurance is also one sort of export credit insurance. But the short term export credit insurance in general has some special character. The export insurance is nonprofitable policy insurance. In korea export credit insurance was held by Korea Export Insurance Corporation(KEIC). But the KEIC was changed to Korea Trade Insurance Corporation(K-Sure) in the year of 2010. At that time the Export Credit Insurance Act was changed to Trade Credit Insurance Act. Because of this change, K-Sure handles not only export credit insurance, but also import credit insurance. K-Sure has been committed to promoting sound overseas transactions since its establishment in July 1992. K-Sure compensates the losses arising from import transactions and overseas investments that cannot be handled by the general insurance systems, and provides useful information to its customers. Always looking beyond its success, K-Sure is making effort to meet the various needs of its customers, while furthering international cooperation and striving to become one of the leading import and export credit insurance institutions in the world. In the short term export credit insurance(EFF) the K-Sure undertakes the loss because of non collection of the price for exports of the banks. It is introduced in korea since July 2009. Korea should accept new international account regulation(K-IFRS). With this change the short term export credit insurance(EFF) is very important. Whes a company make a contract of he short term export credit insurance(EFF) the debt is not calculated to bad sectors. This study handles the characteristic of the short term export credit insurance(EFF). By the analyse, it concentrates on showing the differences between the general principles of civil based insurance and the short term export credit insurance(EFF). The author has mentioned as example the duty of disclosure and indemnities in the field of general contract terms of the short term export credit insurance(EFF). Cases of the short term export credit insurance(EFF) have meanwhile shown some problems in regard of general principles of insurance. But it has the ground on special character of the short term export credit insurance(EFF). Because the short term export credit insurance(EFF) is a sort of company based insurance, not consumer based insurance. Therefore it can be partly justified. The author tried to point out the differences between the short term export credit insurance(EFF) and general civil based insurance. And he has suggested that some clauses of the short term export credit insurance(EFF) should be changed.