e비즈니스에 적합한 무역관련 보험의 담보공백 조정에 관한 연구

This paper is a study on resolution of uninsured risks in field of insurance of international trade for e-Business era. As mentioned before in Chapter Ⅲ concerning problems of uninsured risks between marine cargo insurance and short-term export insurance, shortage claim under international trading merchandise can be covered or not covered depending on both insurance. With a view to covering this uninsured risk at stake in oder for exporter and importer, 'Integration Insurance' or 'Improved and/or Upgraded Insurance' which have no this uninsured risk must be presented to the insured. By this reason, short-term export insurance should underwrite 'transport risk' by special agreement(special contract terms) between the insured and the insurer in order to eliminate the said uninsured risk. ‘Integration Insurance' means that both insurance, short-term export insurance and marine cargo insurance can duly compensate uninsured risk of shortage claim as a basic terms and conditions in a policy with no special agreement between the insured and the insurer. In the meantime, 'Improved and/or Upgraded Insurance' also means that both insurance, short-term export insurance and marine cargo insurance can make a attachment of special agreement which can underwrite the said uninsured risk, shortage claim without alternatively creating new type of 'Integration Insurance'. Should ‘Integration Insurance' or ‘Improved and/or Upgraded Insurance' be presented to the market, the customer, the exporter and the importer can concentrate their own task as for selling and buying goods and services, and then can take a advantage against potential competitor in other countries. Further the parties concerned, such as ocean and air carriers, freight forwarders, stevedores can share benefits of this improves and/or upgraded insurance.