인수심사자 재량적 판단이 단기수출보험 총액한도결정에 미치는 영향에 관한 연구

Abstract

This study analyzes the effect of the discretionary judgment of underwriters in determining the aggregate short-term export credit limit. Constant improvement of credit underwriting system is essential for maintaining the integrity of the trade credit insurance, one of the most representative export promotion policy. The research result finds that the discretionary judgment of an individual underwriter is one of the determining factors of the aggregate export credit limit. First, the conservative behavioral tendency of underwriters is identified in the qualitative assessment which is one of the determinant criteria to set up the ceiling of the possible aggregate export credit limit. Revision to the qualitative assessment method is suggested for strengthening discriminatory power of the qualitative evaluation. Second, the individual variation of discretionary judgement exists in the underwriting decision. The deviation of individual discretion may act as a potential cause of operation risks. In order to decrease the deviation range, modification of the underwriting model is suggested to lower the ceiling of the possible aggregate export credit limit. These analyses and suggestions are expected to advance the export credit underwriting system.