韓國의 輸出保險制度 運營現況과 改善方案에 관한 硏究

Abstract

The trade friction with advanced countries has become increasingly serious, in accordance with trade circumstances. In an attempt to attain both export expansion and economic growth in the face of such adverse conditions, we cannot but select the export insurance system as the only politic means to surmount it. It was in 1969 that the export insurance system had been introduced in our country, with a full-scale export-driving strategy for the economic development. With the establishment of export insurance law since then, A rapid progress has been made in the system of export insurance. As economic conditions at home and abroad were changed, there have been five revisions to date for the export insurance law, and the reception items of export insurance have been increased to a items. In an effort for export insurance to attain the goal as prescribed by the export insurance law, it is necessary to investigate operational problems which the export insurance system has, and to seek for its improvement plan. As a result of the present managerial situation of export insurance, the problems can be suggested as follows. Firstly, considering the build-up scale and mortgage poser of the export insurance fund, its scale is so poor as to be vulnerable in the export insurance mortgage power, and the civil enterprises' participation in making fund is negative because of building up the export insurance fund which is mainly dependent on government's support. Secondly, in view of the utilization of export insurance, export shows an increasing tendency year by year whereas the utilization rates for the export insurance are not avoiding laggardliness. Thirdly, looking into the reception items and areas of export insurance, we find them very monotonous. Fourthly, in view of compensatory records concerned with the treatment of insurance accident, the rate of export insurance damage is, at present, much higher than that of foreign countries. Lastly, through investigating the condition of the export insurance credit, we can find the basis of credit investigation uniform. In addition the areas for credit investigation are limited to some areas. In order to improve such problems, the following plans can be suggested: Firstly, it is needed that the mortgage power of export insurance fund should be secured and the close relation with policy-making authorities strengthened, in an effort to effectively attain the goal of the export insurance business. Secondly, to make compensatory business for export insurance accident effective, we should establish the regulation and articles of the export insurance. In addition, through improving the compensatory and retrieve technique, we should not only make compensatory business effective, but also the post management of export insurance business fortified. Thirdly, by developing and regulating reception items of the export insurance products, and by expornding the coefticient of utilization for small and medium enterprises. Through the persistent restructuring for the system of the insurance rate, we should expand reception subjects and its areas of export insurance. Fourthly, in view of not bulding up recognition completely concerning the export insurance, it is imperative that we activate the activities of publicity respecting the export insurance and fortify the cooperation at home and abroad. And, fostering exports for the export insurance is urgently needed. The fifth, for specializing the export insurance credit investigation, it is necessary not only to secure its business foundation, but to accomplish a highly skilled credit investigation through step-by-step improvement in its evaluating method. In addition, it is important to increase efficiency in data application of export insurance by expanding its computer network. Such improving methods can not solve all the problems our export insurance system has. Thus, we must strive to enhance our international competitiveness so that the export insurance system may make progress in the rapidly changing international trade circumstance.