不動産 電子去來의 活性化 方案에 관한 硏究 : 정보활용의 측면을 중심으로 = (A) Study on the Activation of the Real-Estate Electronic Commerce

다국어 초록 (Multilingual Abstract)

Recently, there have been two different types of evaluation regarding the emerging cyber commerce system which has a central theme not only in the society but also in the business industry. These evaluations are not about whether it will affect our society or not. They address two points. One point is that the advent of the internet system will replace the existing paradigm and structure of enterprise. The other point is that these trends are understood as one part of the enterprise management skills. Despite of these different evaluations, it is obvious that the internet system will have influence on every type of enterprise.
1. The real-estate transaction-related information in the real-estate market was limited to get some basic information like locationing information and it was used to encourage people to visit their places rather than making a direct profit from visitors on a real-estate electronic transaction site. This is largely due to the structural and institutional flaws in our real estate market and the characteristics of real-estate commodities which are different from the general commodities, along with the lack of communication infrastructure. The two main reasons are as follows:
First, the problems concerning making real-estate contracts by the cyber commerce system stems from the specific characteristics of the real-estate market and these problems have something to do with the authenticity of the contractor and the document as well as the popularity of signatures in the cyber system. Due to the problem of authenticity, it will be difficult to be a system which can be widely used by the public especially in a real-estate transaction.
Second, as for the structural problems in the real-estate market, the proceeds mechanism in conventional brokerage services is heavily concentrated on the real-estate deals and there is no organization which can share the information resource whenever any real-estate transaction takes place around the country. In order to adapt to the cyber commerce system, we should be able to make the existing proceeds mechanism towards a system where the real-estate transaction related information can be freely accessible. Under the current system, however, there has not been a suitable business strategy fitted for the real-estate market because pertinent commission, cost, and the electronic transaction activities are limited by the law of real estate agency and brokerage.
2. In the case of the cyber commerce system, brokers play a role in improving the effectiveness of transaction, thus creating a favorable market and enhancing the reliability of the transaction. In order to make it happen, there should be a change in the present system made from the period of analogical economy concerning the brokers' conventional roles, brokerage business strategy and the current system.
First, since the electronic transaction is based on the real-estate information, various pertinent real-estate information systems should be developed. This information has tobe adjusted to suit the clients.
Second, reliability on information supplied from the online cyber system has to be improved. Differentiating the transaction commission depending on the degree of the responsibility or making public an certified ID over the web could be a way to improve the reliability.
Third, a business strategy tailored to the commerce system has to be developed. It should include the improvement of reliability, client management, and secure profitability.
Fourth, the present brokerage business structure has to be adjusted to environments of the cyber commerce system. Therefore, a variety of business strategies have to be created. The existing business structure, which is focused on getting contracts, has to be changed to one that develops an information network.
Fifth, according to the current law of real estate agency and brokerage, there are impractical regulations needed to be changed regarding bidding practices and the rate of commission. In addition, the qualifications of the brokers should be enhanced by enacting the law of realtor. The traditional brokerage market has been a regional market which is based on the irregularities of information.
Based on a balanced information system of electronic transaction, consumers are taking the initiative in doing the real-estate transaction in the market which used to be controlled by suppliers. Accordingly, with the advent of the new cyber commerce system, the significance of the conventional business system is going to be reduced under the digital economic system. I think that the brokerage business has to make a drastic effort to change itself in order to keep up with the new system.
3. To conclude, the electronic method for real estate transaction will be faster, safer, more effective and more economic than the current methods of real-estate transaction, which have come to the same limitation. In order to overcome the limitation and to make electronic transactions more actively it is urgent to establish a unified law system. An effective administrative service should be developed. Furthermore, we should develop a way of having real estate registered and a system of protecting the parties of the transaction from being exposed to the information.
First, there wouldn t be an excellent effect for real estate electronic transactions to solve the initial obstacle by only saving time. Not only will it be effective when public organizations take the initiative in the operation of electronic transactions center and but also when they recognize the importance of safety.
Second, there is a risk of the distortion and a loss of the information in the process of information transfer and in the cracking of the information. In order to prevent these kinds of risks, the cyber commerce center needs to have a better security system. It should take the responsibility for any problems that may be incurred unless the users make mistakes. In addition, it is necessary to establish the additional network system as well as the network which is used by the public to exchange the information between the cyber commerce center and other organizations.
Third, the leakage of the trading price can cause the burden of heavy tax and the exposure of information. Therefore, we should have a law enacted to delay the imposition of a market price tax for the transactions during a fixed period of more than 5 years from now and take a security step to prevent people from using the transaction specification through the cyber commerce center except for the purposes of research and industrial development.
Fourth, even though the service is fair and safe, it is expected that people won t use the electronic transactions because they have been used to the existing trading practices for a long time. As a solution to that, it is necessary to encourage people to transact business by themselves through the public transactions or indirect experience.
Fifth, it is important for some uninformed trading experts not to feel left out from this new system and give them a chance to participate in the electronic transactions actively.
Sixth, every business transaction at the cyber commerce center should proceed electronically and create infrastructure including various sets of equipment and operator service needed to run electronic business more easily for real-estate electronic transactions service. It also needs to provide customers with data base information from a variety of organizations such as courts, the Ministry of Government Administration and Home Affairs, the National Tax Service and NGIS organizations and to receive transaction information from them at the same time. In order to facilitate the work, we need to set up an organization to generalize the transaction-related business from those organizations.

목차 (Table of Contents)

• 목차
• 제1장 서 론
• 제1절 문제의 제기 = 1
• 제2절 연구의 방법 및 범위 = 3
• 제2장 부동산 전자거래의 이론적 고찰
• 제1절 부동산의 특성과 부동산시장의 특성 = 4
• 1. 부동산의 특성 = 4
• 2. 부동산시장의 특성 = 8
• 제2절 부동산 전자거래의 개념 = 12
• 제3절 부동산 전자거래의 실태분석 = 16
• 제4절 부동산 전자거래의 제도 = 20
• 1. 부동산 전자거래의 구현방안 = 20
• 2. 부동산 전자거래센터의 구축방안 = 22
• 3. 부동산 전자거래센터의 처리절차 = 23
• 제5절 부동산 전자거래의 기대효과 = 29
• 제3장 부동산 전자거래 관련 법제와 분쟁구제제도
• 제1절 전자거래 법제 = 32
• 1. 전자거래기본법 = 32
• 2. 전자서명법 = 35
• 3. 전자상거래등에서의 소비자보호에 관한 법률 = 40
• 제2절 분쟁구제제도 = 41
• 1. 재판외 제도 = 41
• 2. 조정제도 = 44
• 제4장 부동산 전자거래의 정보현황과 사례분석
• 제1절 부동산 정보현황 = 47
• 1. 부동산 정보제공현황 = 48
• 2. 부동산 정보의 활용 = 52
• 제2절 부동산 분야별 사례 = 56
• 1. 부동산 Total Service 정보 = 56
• 2. 태인부동산클럽 = 57
• 3. 한국토지신탁(홈바이저) = 58
• 4. 컨설팅-ID 컨설팅 = 58
• 5. 분양권 전문정보-Webrealty21 = 58
• 6. Portal 서비스.부동산네트 = 60
• 7. ‘그린’부동산 직거래마당 = 60
• 제3절 부동산 정보의 가공 및 제공 = 60
• 1. IP(Information Provider) = 62
• 2. CP(Content Provider) = 62
• 제4절 부동산 전자거래 정보의 평가 및 분석 = 65
• 제5장 부동산 전자거래 정보활용의 문제점과 개선방안
• 제1절 부동산 전자거래 정보활용의 제문제 = 68
• 1. 서설 = 68
• 2. 부동산 중개업계의 문제점 = 69
• 3. 부동산 정보제공업체의 문제점 = 70
• 4. 부동산 직거래의 문제점 = 71
• 5. 사이버아파트의 등장과 문제점 = 72
• 제2절 부동산 전자거래 정보활용의 개선방안 = 74
• 1. 부동산 중개업계의 개선방안 = 74
• 2. 부동산 정보제공업체의 개선방안 = 75
• 3. 사이버아파트의 개선방안 = 75
• 제3절 신규부동산 전자거래에 대한 대안 = 76
• 제4절 부동산 전자거래제도의 활성화 방안 = 79
• 제6장 결 론 = 83
• 참고문헌 = 86
• ABSTRACT = 90
• 부 록 = 93