환경정보 검색 시스템의 활용에 관한 연구 대기오염 물질의 위험성 확인을 중심으로

김선정,신동천,정용,구자건 ( Sun Jeong Kim,Dong Chun Shin,Yong Chung,Ja Kon Koo ) 한국환경영향평가학회 1996 환경영향평가 Vol.5 No.1

The objective of this study is to establish the application method of environmental information system which is related to hazard identification for Health Risk Assessment. For establishing the environmental information system, fourteen hazardous chemicals were chosen and applicated to the database network such as RTKNET(Right Know Net), MSDS(Material Safety Data Sheets), TRI(Toxic Release Inventory), IRIS, AIRS, etc. The searching method of environmental information is classified to three sections such as the domestic commercial information company, international database agencies, and internet. Recently the importance of environmental information is being emphasized because it is essential to use database system in the field of environmental studies. Most of the foreign research organizations are communicating actively for information exchange, and the improvement of the quality of research. It is required to accumulate the data and develop them to database for future research.

환경정보 검색 시스템의 활용에 관한 연구 : 대기오염 물질의 위험성 확인을 중심으로

김선정,신동천,정용,구자건,Kim, Sun-Jeong,Shin, Dong-Chun,Chung, Yong,Koo, Ja-Kon 한국환경영향평가학회 1996 환경영향평가 Vol.5 No.1

The objective of this study is to establish the application method of environmental information system which is related to hazard identification for Health Risk Assessment. For establishing the environmental information system, fourteen hazardous chemicals were chosen and applicated to the database network such as RTKNET(Right Know Net), MSDS(Material Safety Data Sheets), TRI(Toxic Release Inventory), IRIS, AIRS, etc. The searching method of environmental information is classified to three sections such as the domestic commercial information company, international database agencies, and internet. Recently the importance of environmental information is being emphasized because it is essential 10 use database system in the field of environmental studies. Most of the foreign research organizations are communicating actively for information exchange, and the improvement of the quality of research. It is required to accumulate the data and develop them to database for future research.

도시 네트워크 기반 상호작용의 정도가 주택가격에 미치는 영향분석 : 서울대도시권을 중심으로

김선정(Kim, Sun-Jeong),남진(Nam, Jin) 대한국토·도시계획학회 2022 國土計劃 Vol.57 No.5

임원보수와 이사책임감면 관련 법률 개정안에 대한 검토

김선정 ( Kim Sun-jeong ) 한국상사판례학회 2016 상사판례연구 Vol.29 No.4

최근 여러 나라에서 회사임원의 보수에 대한 규제가 강화되고 있다. 한국에서도 20대 국회에 회사 임원의 보수에 대한 여러 건의 법률안이 제출되었다. 대부분의 법률안은 임원보수에 대한 지급한도 설정, 지급정지, 환수, 책임감면 제한 등을 통하여 과도하거나 부당한 보수를 규제하고자 하는 입법목적으로 갖고 있다. 필자는 이 법안들을 분석하였다. 대부분의 법안은 그 필요성이 인정되지 않거나 법안 통과시 시행에 들어가기에는 완성도가 낮아 보인다. 위와 같은 이유로 법률안의 취지는 일부 이해하지만 입법에 동의하기는 어렵다. 보다 정밀한 제안이 이루어져쟈 할 것이다. 아울러 필자는 보수를 규제대상으로만 보는 것에 반대한다. 한국의 일부 기업의 보수제도에 문제가 있지만 보수관련 법제에서는 보수는 유능한 인재를 확보하기 위한 수단이라는 시각이 강조되어야 한다. 2011년 상법 개정시 도입된 이사책임의 감경제도에 따라 보수인상은 배상책임 한도를 늘리는 결과를 가져 온다. 보수를 무조건 인상하는 것보다는 보수체계를 보완할 합리적 장치가 필요하다. 더구나 한국에는 회사보상제도가 없다. 필자는 보수제도에 대한 보완방법으로 임원배상책임보험의 활용이 필요하다고 생각한다. 이 보험은 미국 등 많은 국가에서 널리 이용되고 있고, 일본에서도 최근 주요한 이슈가 되었다. 한국에는 1991년 도입되었으나 상장회사도 일부만 가입하고 있는 실정이다. 현재의 임원배상첵임보험 상품이 지닌 문제점을 개선하여 기업의 수요에 부응하도록 하면 보급률이 높아질 것이다. 일부 회사에서 부정직하고 부당한 보수제도를 운용하는 상황은 사라져야 할 일이고 판결도 같은 입장에 있다고 생각된다. 이와 같은 상황에서 성급한 입법을 통한 규제일변도 보수제도는 오히려 보수의 본질적 기능과 보수결정의 민주적 구조를 왜곡할 수 있고, 보수문제를 빈부격차 해소나 경제민주화 수단으로 오해할 우려도 있다. In recent years, regulations on compensation for company executives have been strengthened in many countries. In Korea, several legislative proposals on the remuneration of company executives were submitted to the 20th National Assembly. Most legislation seeks to regulate excessive or unreasonable remuneration, such as setting limits on remuneration for executives, suspension of payments, collection of paid remuneration, and restrictions on liability reduction. The writer analyzed these revised bill of laws. In the view point of writer, most legislation seems to be inadequate in its necessity and completeness. The writer understand the intent of the proposals but do not agree with the legislation. There is a problem with the remuneration system of some companies in Korea, but the remuneration is a means to secure competent talent and this point should be emphasized. In accordance with the reduction system of directors` liabilities introduced in the amendment of the Commercial Act of 2011, the increase in remuneration results in an increase in liability limit. Rather than raise unconditionally, a rational device is needed to complement the pay system. Moreover, there is no company compensation system in Korea. The writer think that it is necessary to use D&O insurance as a supplementary measure.

회사임원배상책임보험계약상 분리조항

김선정(Kim Sun Jeong) 한국보험법학회 2016 보험법연구 Vol.10 No.2

현행법상 보험계약자나 일부 피보험자가 고지의무에 위반하여 보험자가 계약을 해지하면 보험계약은 전면적으로 해지되므로 고지의무위반 사실이 없는 보험계약자나 피보험자에게도 그 효력이 미친다. 또한 면책사유가 있는 경우 보험자는 이를 보험계약자와 모든 피보험자에 대하여 주장할 수 있는 면책사유가 있다. 이는 그 자신이 고지의무를 위반하거나면 책사유의 원인을 제공하지 아니한 피보험자의 보호문제를 야기한다. 이에 따라 임원손해배상책임보험제도의 취지를 살리는 방향에서 고지의무위반의 효과와 면책사유 적용문제를 수정하여야 한다는 주장이 제기된다. 이를 해결하는 방법으로 외국의 주요 보험사업자들은 보험약관에 분리조항을 두고 있다. 본고는 회사임원의 배상책임을 보상하여 준다는 임원배상책임보험의 기능과 취지상 보험계약 취소위험을 완화하는 분리조항의 필요성이 있는지를 검토하였다. 이 보험의 기능상 분리규정의 도입이 필요해 보인다. 이 보험에 관한 한 분리규정은 고지의무제도와 면책사유제도에 본질적으로 반하는 것은 아니다. 분리조항은 약관에 명시적으로 규정하는 방법으로 도입이 가능할 것이다. In insurance contract, once the right to rescind has been determined, the majority rule appears to be that rescission is effective as to all insureds. Actually, rescission of an insurance contract may be appropriate when a prospective insured misrepresents or fails to disclose material facts in an application for insurance. In addition, if there is a exclusions of a particular insured such as dishonesty, the insurer may impute to any other insured persons. This raises the question of protection of an insured person who is irrelevant. To achieve the goal of D&O insurance, in most foreign primary D&O policies today include some form of severability provisions. These clauses typically limit the ability of an insurer to rescind the policy as to all insureds, in certain circumstances. This article discuss the need and function of nonrescindable contract wording offered by insurers as a solution to the rescission risk in D&O insurance. This article examines whether the severability clause enhance the function of the D&O insurance to reduce the legal liability of directors through to mitigate the risk of cancellation of insurance contracts. In conclusion, the severability provisions are not essentially contrary to the duty of disclosure and the Exemption System. By the principle of freedom of contract, separation provisions shall be possible in the manner explicitly stipulated in the D&O policy as a contract Terms.

무해지환급형 보험상품의 특성에 관한 검토

김선정(Kim, Sun Jeong) (사)한국보험법학회 2019 보험법연구 Vol.13 No.2

상법 제736조는 제649조, 제650조, 제651조 및 제652조 내지 제655조의 규정에 의하여 보험계약이 해지된 때와, 제659조와 제660조의 규정에 의하여 보험금액의 지급책임이 면제된 때에 보험자는 보험수익자를 위하여 적립한 금액을 보험계약자에게 지급하여야 한다고 규정한다. 이를 흔히 해지환급금이라고 부르고 있다. 그러나 근래 들어 보험계약자의 보험료부담을 덜기 위한 목적으로 무해지환급형(또는 저해지환급형) 보험상품이 개발되어, 우리나라에서도 2015년부터 판매에 들어갔다. 이에 따라 새로운 문제들이 제기되고 있어 검토가 필요하다. 무해지환급형 상품의 경우 상법 제736조에 저촉되는 것은 아니다. 다만 보험료가 저렴하다는 것만 강조하지 말고, 해지환급형 상품과의 구체적 차이를 약관에 명시하고 이를 충분히 설명하는 것이 필요해 보인다. 또 이와 같은 상품을 설계하고 판매하는데 따르는 여러 가지 사항에 대하여 유의할 필요가 있다. 본고는 무해지환급형 보험상품에 대한 국내 법학계의 연구가 드문 상황이어서, 일본에서의 논의를 주로 참고하였다 Commercial act Article 736 (Duty to Return Premium Reserve, etc.) (1) provide that When a contract of insurance has been terminated in accordance with the provisions of Articles 649, 650, 651, and 652 through 655, and when the liability to pay the insured amount has been relieved in accordance with the provisions of Articles 659 and 660, an insurer shall pay to a policyholder the amount accumulated in favor of a beneficiary. In practice, called this cash surrender value . In recent years, however, Non(or low)-Cash Surrender Value type products have been developed for the purpose of reducing the premium burden of policyholders. Korean insurance companies also started selling in 2015. As a result, new problems arise and need to be addressed. Non(or low)-Cash Surrender Value type product are not conflict with Article 736 of the Commercial Act. However, it seems necessary to specify in the terms and conditions the difference from the cash surrender value products. It is also necessary explain the features of the type to customer and have to pay attention to the various aspects of designing and selling such products. Since domestic law studies on this topic are rare e, the author mainly refers to the discussion in Japan.

해지환급금청구를 위한 제3채권자의 보험계약해지

김선정(Kim Sun-Jeong) 한국재산법학회 2007 재산법연구 Vol.23 No.3

  When a insurance contract has been terminated for the future in accordance with the provisions of Articles 649, 650, 651 and 652 to 655, the insurer shall pay to the policyholder the surrender value(The Commercial Code §736). The surrender value of a life insurance contract has been defined as the cash value of a policy that has been surrendered to the insurer by a person having the contractual right to surrender it. One of the most frequently recurring questions in connection with the surrender value is that who has the right to surrender. According to The Commercial Code §736 that reflect a general rule, the person having this right is the policy owner, but this right can be transfer to the creditor who cancel the insurance contract after attach the insured" right against to the surrender value. An creditor may, in order to protect his claim, exercise the rights belonging to the debtor(The Civil Code §404(1)). But although the right to cancel the insurance contract is not a personal exclusive rights, to exercise the right of subrogation is not easy because §404(1) demand to fulfil the condition that the debtor in insolvency situation. The author agree with the court that in compulsory execution proceedings, the creditor" right to cancel the debtor"s insurance contract is allowed because if not the attachment is invalid. The Creditor of the insured has three ways to realize his claim, those are subrogation(The Civil Code §404(1), garnishee order(The Code of Civil Enforcement §223), assignment order(The Code of Civil Enforcement §231) or collection order(The Code of Civil Enforcement §232) on the debtor"s surrender value claim against to insurer. This result has arisen occasionally question with respect to the stability of the beneficiaries" expectation against the sum of insured. The author concluded that the new legislation was needed and those exception statute  will be contribute to the harmonization of the interest between the creditorsand beneficiaries.

주제별 논단 : 보험법 ; 변액유니버셜보험계약에 있어서 설명의무와 적합성원칙에 대한 재론 -대법원 2013. 6. 13 선고 2010다34159 판결-

김선정 ( Sun Jeong Kim ) 한국금융법학회 2013 金融法硏究 Vol.10 No.2

In recent case (2006Da17539), the Korean supreme court judged about a duty to explain the significant matters of contract and the principle of confirmity in variable universal life insurance contract. The supreme court support the decision of Seoul high court (2009Na 97606 decided March 31, 2010) partly. In this case the supreme court decision agree with the breach of the duty of explain of insurance solicitor. But in applying principle of confirmity, the supreme court reversed a judgement of the original court and remanded the case to the original court for future developing. Currently, this case is pending in original court. Above all, supreme court allowed comparative negligence in formation of insurance contract. The writer have been comment the high court`s decision in Vol. 385 of Monthly Life Insurance published by Korea Life Insurance Association. The writer rewrote the comment since the supreme court`s decision is differ from high court`s decision in some important points. The decision of the supreme court is particularly significant because it clarified that when deciding the tort liability of the insurance company it is possible to comparative negligence at court`s discretion. The supreme court emphasize that the principle of conformity should be prudentially applied. New Insurance business act of 2010 art.95-3 provide the Principle of Conformity and limit the scope of the insurance products governed by above article is prescribed by Presidential Decree. Variable insurance included the example of investment product have to apply the conformity rule. Also, Insurance business act art.95-4 provide the duty of explain to apply all insurance business include variable insurance. And Enforcement decree of the insurance business act newly insert art.42-3 (Matters to Confirm, etc. under Principle of Conformity) in 2011. The decree describe the standard of judgement on the conformity in detail. Those are age of the policyholder; monthly income and the share of insurance premium disbursement in the monthly income ; purpose of purchasing the insurance ; whether the policyholder has an amount-variable insurance contract or has purchased collective investment securities under Article 9 (21) of the Financial Investment Services and Capital Markets Act. Above matters deemed necessary for recommendation of the conclusion of an insurance contract suitable to the policyholder. The original court shall render a judgement. The factual and legal findings, which has been regarded by the court of final appeal as the ground of reversal, shall be binding. And the original court shall review the circumstance evidence consider the intent of above statutes.

주제별 논단 : 보험환경의 변화와 보험법의 과제 ; 보험업의 경쟁력 강화와 생명보험사 상장문제

김선정 ( Sun Jeong Kim ) 한국금융법학회 2006 金融法硏究 Vol.3 No.2

The government launched a consultation body in a move to allow the nation`s life insurance companies to be listed on the local bourse. The Financial Supervisory Service plans to life insurance companies will be listed later this year. The consultation body hold public hearing to canvass expert views for drawing up listing regulations and conclude that to allow the listing. Some insurer have already increased their capital to prepare for listing. But the government`s plan faced to vehement opposition of some groups because of disputes between the life insurance companies and the opposite groups over whether the profits from the listing should be given to the policy holders. The writer reviews the necessary and urgency of the listing and emphasize that the form of all local life insurance companies are stock company.

직관적 연상기법을 통한 색채 교육 프로그램에 관한 연구

김선정(Kim Sun-Jeong),정도성(Chung Do-Sung) 한국디자인학회 2008 한국디자인학회 학술발표대회 논문집 Vol.- No.-