이슬람보험의 구조와 보험사 운영모델에 관한 연구
Research on structure and operational model of Takaful firms
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초록
Insurance has become a need of individuals and businesses for mitigating risks and alleviating the impact of losses on their lives and wealth. After islamic finance began to facilitate in the 1970s, it also required a Shariah compliant alternative to conventional insurance against Shariah principles due to the involvement of riba, gharar and maisir. Takaful system is developed as a pole of islamic financial ecosystem including islamic banking, asset management and capital market, which its service is provided by 200 more takaful operators globally. In this article we explain underpinning concept and operating models about takaful system as alternative to conventional insurance and see the overview and outlook of it. Also, to differentiate existing articles we present several considerations to launch the takaful business in the market and to operate its business. Through this article various issues which is incurred according to the difference between banking and insurance, conventional insurance and takaful should be an area researched to enter the market as a facility for getting new growth dynamics of our insurance companies.
Abstract
Insurance has become a need of individuals and businesses for mitigating risks and alleviating the impact of losses on their lives and wealth. After islamic finance began to facilitate in the 1970s, it also required a Shariah compliant alternative to conventional insurance against Shariah principles due to the involvement of riba, gharar and maisir. Takaful system is developed as a pole of islamic financial ecosystem including islamic banking, asset management and capital market, which its service is provided by 200 more takaful operators globally. In this article we explain underpinning concept and operating models about takaful system as alternative to conventional insurance and see the overview and outlook of it. Also, to differentiate existing articles we present several considerations to launch the takaful business in the market and to operate its business. Through this article various issues which is incurred according to the difference between banking and insurance, conventional insurance and takaful should be an area researched to enter the market as a facility for getting new growth dynamics of our insurance companies.
참고문헌 (16)
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- 김종원, "이슬람국가의 타카풀보험(Takaful) 연구", 한국재난정보학회 논문집, 11(1), pp.121~133 (2015), 한국재난정보학회
- 김중관, "이슬람보험시장 평가를 위한 개념적 접근", 무역보험연구, 11(4), pp.65~84 (2010), 한국무역보험학회
- 손태우, "이슬람보험(타카풀)의 국내 도입을 위한 법적 연구", 법학논고, (46), pp.315~348 (2014), 법학연구원
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