연금보험사업의 허용 기준에 관한 연구－ 2007년 법무부의 상법 보험편 개정과 재정경제부의 보험업법 개정을 둘러 싼 극단적 갈등과 입법적 해결방안 －
A Study on the Allocation Standards of the Concurrent Annuity Insurance Business - An excessive conflicts and sensible legislation on the amendment of the Commercial Code(Insurance) by MOJ and Insurance Business Law by MFE in 2007-
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The Insurance Business Act §10 provide that No insurer shall operate life and nonlife insurance business concurrently except some insurance business falling under any of the following Sub-paragraphs of §10. This article composed important principles after legislation of the insurance business act. But nowadays the principle faced the challenge by the change of the business environment. In 2006, Korea Insurance Development Institute submit the "concurrent operation enlargement scheme" in the insurance industry. But life insurance companies strongly opposed to KIDI's draft in spite of the opinion is not entirely. Ministry of Finance and Economy forgiven the amendment of Insurance Business Act. In 2007, Ministry of Justice voiced the revised Commercial act draft include the §735-2 was eliminated. But life insurance industry strongly opposed the draft. Till now, life insurance industry insist that non-life insurance industry couldn't have the power to doing annuity business ground of the Commercial Act §735-2. Commercial Act §735-2 provide that the insurer of a life insurance contract may: upon the occurrence of an insured event on the life of the insured, pay the insured amount installment as an annuity, as the contractual provides. The writer review the originality and possibility of the cross marketing in the life and non-life insurance business. And conclude that it is not necessary to amend the §10, and emphasize that it is not an issue of Commercial Act but that of Insurance Business Law.
Abstract
The Insurance Business Act §10 provide that No insurer shall operate life and nonlife insurance business concurrently except some insurance business falling under any of the following Sub-paragraphs of §10. This article composed important principles after legislation of the insurance business act. But nowadays the principle faced the challenge by the change of the business environment. In 2006, Korea Insurance Development Institute submit the "concurrent operation enlargement scheme" in the insurance industry. But life insurance companies strongly opposed to KIDI's draft in spite of the opinion is not entirely. Ministry of Finance and Economy forgiven the amendment of Insurance Business Act. In 2007, Ministry of Justice voiced the revised Commercial act draft include the §735-2 was eliminated. But life insurance industry strongly opposed the draft. Till now, life insurance industry insist that non-life insurance industry couldn't have the power to doing annuity business ground of the Commercial Act §735-2. Commercial Act §735-2 provide that the insurer of a life insurance contract may: upon the occurrence of an insured event on the life of the insured, pay the insured amount installment as an annuity, as the contractual provides. The writer review the originality and possibility of the cross marketing in the life and non-life insurance business. And conclude that it is not necessary to amend the §10, and emphasize that it is not an issue of Commercial Act but that of Insurance Business Law.
참고문헌 (36)
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