영문초록
It is usual that insurance consumers make contracts with insurers through intermediaries such as insurance agents, insurance brokers. Such intermediaries sometimes commit unlawful acts in selling insurance which might cause significant losses to insurance consumers. Therefore, a relevant regulatory regime about insurance intermediaries is necessary. However, there are some differences surrounding the regime among countries such as the U.K, the U.S, Japan, German, and Korea. First, the U.K, U.S, Japan, and Korea take a system regulating strongly insurance intermediaries while German does not. However, this difference will disappear soon as German is due to introduce a strong regulatory system in 2005. Second, the U.K integrated all kinds of intermediaries including insurance intermediary under the Financial Services and Markets Act 2000, while the U.S., Japan, German, and Korea still maintain separate regulatory system. The position of the U.K. seems relevant and efficient in that the boundaries among financial products become blurred, packaged financial products become common, the same function performed by intermediaries must receive the same regulation. Third, the U.K, the U.S, Japan regulate all kinds of insurance intermediaries, while Korea does not regulate the employees of the insurer. It is suggested that Korea follow the former countries.
분야
2b600378.pdf [무료 PDF 뷰어 다운로드]
