수출신용보증(선적후)의 현상황과 제도개선방안

Korea is the 7th largest export country in the world. The trade insurance play very important role in increasing export. One of the trade insurances is export credit guarantee(post-shipment). At the first time, the export bill insurance played very important role in export support. But after introduction of export credit guarantee, the export bill insurance slowly decayed. The export credit guarantee(post-shipment) guarantees the risk that the importer does not pay the import payment. By the functioning of export credit guarantee(post-shipment), the bank plays very important assistance role. The bank should clarify that the importer pay the import cost in certain account. The bank should notify to K-Sure when the guarantee accident occurs. The bank should not pay when obvious symptom takes place that the importer precipitates a financial crisis. Furthermore the standard contract terms of export credit guarantee should be reformed. To export credit guarantee, the general insurance principles should be applied. That is also the attitude of korean supreme court. Nowadays the duty of disclosure is operated as a passive answer system. The insurer should also urge when the insured does not pay the premium. In germany, all or nothing principle in the case of gross negligence is abandoned. These new trends of insurance law should be also applied to export credit guarantee(post-shipment). For this purpose the standard contract terms of export credit guarantee should be reformed. Then the trade insurance could be activated. The korean export can then also increase sustainedly. The small and midium sized companies can also by the way promoted.