우리나라 실버계층의 특성분석 및 보험산업에 대한 시사점

이한덕,권순일 대한경영학회 2004 大韓經營學會誌 Vol.17 No.2

This study analyzes the characteristics of the Korean silver class and the effects of the changes in the characteristics of the Korean silver class on the Korean silver industry. Till now, Korean silver class has been regarded as a uniform and monolithic group classified only by age and the Korean silver industry has been neglected as an unprofitable market. However, as the population of the Korean silver class with higher educations increases rapidly and the economic power of the Korean silver class improves greatly, the Korean silver industry emerges as a potential market for a good chance of success. Furthermore, the silver class begins to be recognized as a diversified group with very different needs. This study shows that the Korean silver class has various needs according to the health condition, age, family status, the level of wealth, etc, and therefore, Korean insurers should consider those characteristics of the Korean silver class in order to enter into the Korean silver industry successfully.

방카슈랑스 환경에서 종목별 판매채널 전략

이한덕,정세창 보험연구원 2004 보험금융연구 Vol.15 No.2

The purpose of this paper is to measure the amount of new demand and provide useful implications for developing distribution strategies by products to cope with the changes such as bancassurance and fierce competition among channels. Face-to-face interview and homogeneity analysis are employed.The implications are summarized as followed: Firstly, it may recommend to use the traditional channel as a main channel and also develop the direct marketing as a supplementary channel in the automobile market. Secondly, it is need for insurance companies to have a professional capacity of the traditional channel in the whole life market in which a competition between the life insurance companies and banks increase. Thirdly, it is expected to expand the market size of health insurance enormously. It may suggest that insurance companies need to establish a channel providing professional services such as diversified benefits and health risk control in order to get competitive advantages in the market. Finally, the most competition between insurance companies and banks may be observed in the personal annuity market. It may recommend for insurance companies to utilize their product advantages already held. 최근 방카슈랑스 등의 환경 변화와 관련하여 보험종목별로 신수요 규모를 측정해보고, 경쟁 증가에 효과적인 보험회사의 판매전략 수립에 유용한 시사점을 제공하는데 본 연구의 목적이 있다. 분석방법으로는 설문조사와 동질성분석을 사용한다. 시사점으로는 첫째, 손해보험회사는 자동차보험 시장에서 전통채널을 주 채널로 하고, 직판채널의 활용도도 높이는 전략을 수립 시행하여야 할 것이다. 둘째, 종신보험 시장에서 향후 은행과의 경쟁은 치열해질 것으로 예상되는데, 이에 대비하여 전통채널의 전문성을 확보하는 것이 무엇보다도 필요하다. 셋째, 민영건강보험 시장은 향후 성장 가능성이 가장 높은 보험종목이며, 동 시장에서 우위를 가지기 위해서는 보상 및 건강과 관련된 리스크 통제 서비스 등을 제공할 수 있는 전문채널의 육성이 필요하다. 넷째, 개인연금시장은 은행과의 경쟁이 가장 치열할 것으로 예상되는 종목인데, 보험회사는 은행에 비해 상품 내용 측면에서 경쟁력이 있어 이를 적극 활용할 수 있는 전략을 세워야 할 것이다.

생산물 배상책임 보험〔PRODUCTS LIABILITY INSURANCE〕활성화에 관한 연구

이한덕 성균관대학교 무역연구소 1997 세계보험 시장과 한국의 보험회사 Vol.2 No.-

미국 종업원복지제도 현황 및 시사점

李漢德 홍익대학교 산업기술연구소 2001 産業技術 Vol.11 No.-

The objective of this study is to present important factors to be considered to establish the direction of the future employee benefit system in Korea based on the analysis of the well-developed employee benefit system of the U. S. A. In the U. S. A, the employee benefit system has been well developed due to the reconciliation between the strong willingness of employers to introduce and expand employee benefits programs and favorable tax treatments by the United States government. The remarkable point is that the United States government has limited its role to creating useful environment for the development of employee benefits programs by policy-making such as granting favorable tax treatments whereas employers and employees have played an active role in designing, developing and expanding employee benefits programs by working together. Therefore, in establishing the direction of the future employee benefit system in Korea, focus should be on the construction and expansion of employee benefits programs through voluntary consultation between employers and employees, the expansion of more favorable tax treatment by the government and the development of various employee benefits programs in order to meet diversified needs of employees. In addition, environmental changes such as the advent of an aging population, the balance of the work and family due to the increase in working single-parent families and dual-income families and the introduction of flexible benefits plants or cafeteria plans to enhance the flexibility of employee benefits programs should be considered.

現代經營者의 役割과 職務에 관한 硏究

이한덕 경기대학교경영대학원 1992 最高經營者課程 經營硏究 Vol.4 No.-

OECD加入이 우리나라 保險産業에 미치는 影響

李漢德 홍익대학교 산업기술연구소 1996 産業技術 Vol.6 No.-

On October 11 of 1996 Korea becomes a 29th momber of the Organisation of Economic Co-operation and Development(OECD) which is a "prestigious club" of developed countries discussing economic policies of its member countries. Due to the increase of the GNP following the rapid economic development, the Korean insurance business has recorded an annual growth rate of 30%, This growth, however, is based more or less on quantity rather than quality, and thus, the economic agents such as insurers, agents, solicitors and policyholders, are far less mature and their behaviors less sophisticated compared with those of developed countries. Therefore, Korea has been focusing on quality advancement of the insurance industry in implementing governmental insurance policies. By joining in the OECD, Korea can achieve following goals; (1) continuing deregulations to promote antonomy, responsibility and fair competition within the industry; (2) updating insurance-related laws and regulations to enhance liberalization and globalization; (3) helping consumers to better understand insurance by protection the rights of policyholders and strengthening other insurance services. However, as a member of the OECD, Korea should take various responsibilities such as complying with the basic principles of the OECD, which are progressive liberalization, non-discrimination and national treatment, and liberalization codes regarding current invisible operations and capital movements. In order for insurance-related parties to better understand the OECD and cope with changes in the Korean insurance industry following the accession to the OECD, this article presents the basic characteristics and principles of the OECD and some important items of Liberalization Codes which could affect the Korean insurance industry most. In addition, some strategies that can be implemented by Korean insurance companies are proposed.

인터넷을 이용한 보험의 직접판매

이한덕 성균관대학교 무역연구소 1998 세계보험 시장과 한국의 보험회사 Vol.3 No.-

생산물 책임보험 (PRODUCTS LIABILITY INSURANCE) 활성화에 관한 연구

이한덕,공필호,변수석,이금수,이준상,남재호 성균관대학교 무역연구소 1997 세계보험 시장과 한국의 보험회사 Vol.2 No.-

미국 배상책임보험위기와 민사법개정 방향에 관한 연구

이한덕 홍익대학교 산업기술연구소 1999 産業技術 Vol.9 No.-

A study of the Tillinghast estimated that civil liability system costs of the United States were $160 billion in 1995, about 2.3 percent of the gross domestic product. Such numbers help explain why there has been heated debate regarding how to reduce civil liability costs, both in court awards and legal expense. In the late 1980s, shortly after 「the liability insurance crisis」happened during the 1984-1986, the debate has been focused on tort reform proposals expected to reduce the frequency and severity of liability costs both in judgments and litigation expenses. It this study, 「the liability insurance crisis」during the 1984-1986 which was an main cause of the unavailability and unaffordability of liability insurance, and let to the tort reform activities, is analyzed. In addition, the main 5 tort reform measures which have been passed in the late 1980s and in 1990s are presented and pros and cons of these measures are evaluated. This study will help understand tort reform activities in the U.S.A. and can be used for future enactment or modification of tort reform measures.

손해보험사 직접판매(Direct Marketing)의 활성화방안에 관한 연구

李漢德 홍익대학교 산업기술연구소 1997 産業技術 Vol.7 No.-

Currently, the Korea non-life insurance industry has become highly competitive due to the market opening, price liberalization and deregulation following the accession to the OECD. These changes will have a great effect on the destiny of Korean non-life insurers. Korean non-life insurers who will adapt to these changes and use them as opportunities to grow further, will gain competitiveness and survive. On the other hand, Korean non-life insurers who dose adapt properly will fail. In other for Korean non-life insurers to gain price competitiveness, a current insurance distribution system should be reformed. Currently, Korean non-life insurers spend about 50% of total operating expenses as sales expenses which is regarded as very excessive compared with that of non-life insurers in developed countries. therefore, in order to reduce sales expenses, and hence, enhance the efficiency of the insurance marketing system is a system in which insurers can reach potential insurance buyers directly without intermediaries such as solicitors and agents, and hence, can save sales commissions. In developed countries, various kinds of the direct marketing system are currently used as a main distribution channel. However, the implementation of the direct marketing system in Korea is just beginning. Due to the rapid growth in information and communication skills, computer technologies, and changes in lifestyle, the direct marketing system will be utilized very extensively in near future. This article presents 4 kinds of the direct marketing means that are commonly used in developed countries; Direct Mailing(DM), Tele-Marketing(TM), Internet and Cable TV. The definitions, strengths and weaknesses, and basic characteristics of these 4 direct marketing means, are presented. In addition, some strategies that can be implemented to utilize the direct marketing system, are proposed.