부동산 중개사고에 따른 공제제도에 관한 연구 : 사례분석 및 설문조사를 중심으로 = (A)study on the mutual aid system by real estate brokerage accident : Based on a Case Analysis and Research

다국어 초록 (Multilingual Abstract)

As contemporary society becomes highly informatized and specialized, many people leave the handling and resolution of their necessary information and business to each subdivided specialist. Like this, specialists are required to have more reinforced social responsibility in relationship to the public general as contemporary society gives a meaning to how important the social role of the specialist is.
The opening of information through the Internet makes it easy for the public general to make access to all sorts of information they want. In case the general public come to have the further enhanced rights consciousness and level of demand as much, which is not satisfied, they increasingly call the real estate agent, the real estate specialist, to account day by day. There have often occurred cases that the general public suffer damage due to the intention or negligence of the real estate agent, the so-called realty-related specialist call him or her to account.
The damage of consumers related to recent brokerage accidents has become the stumbling block to the stabilization of the real estate market transactions and the real estate brokerage accidents have come to a forefront as a social problem. Accordingly, the Real Estate brokerage Act obligates the real estate agent to take responsibility to pay for damages. For this purpose, real estate agents are affiliated with the guarantee insurance or the mutual benefit or deposit. The mutual benefit system to compensate for damages requires that real estate agents are obligated to compensate for damages so far as they inflicts the loss of property on others due to their intention or negligence though the real estate brokerage accident occurs. Accordingly, there are many conflicts between consumer, real estate client, and real estate agent due to the real estate brokerage accident.
If the mutual benefit system speedily and certainly resolves the problem of compensation for damages due to this real estate brokerage accident, and give the trust to consumers, real estate clients, it would have to go through the institutional change through the improvement of many problems. The following matters come to a forefront as the current problem: the propriety of the guaranteed mutual benefit money; the procedures for claiming and paying the mutual benefit money or the range of payment for it; the problem of the negative prescription of the claim to the payment of mutual benefit money; the problem of publicizing the domain of what role the mutual benefit system as part of compensation for damages performs. The mutual benefit system should be corrected into the methodology that the real estate agent wants and which the real estate client likely to suffer the loss due to the transactional accident.
The direction for improvement of the above-mentioned problem is to adjust the guaranteed mutual benefit money upward to an extent that can sufficiently pay compensation to the brokerage client suffering damage due to the real estate brokerage accident. It is necessary to simply the complicated procedures in case the brokerage client asks the mutual benefit association to pay the mutual benefit money to receive damages due to the real estate brokerage accident. The range of payment for the mutual benefit money should be optimized and documented so that any controversy may not occur between brokerage client and real estate agent. It should enable public consumers to make an easy judgement of whether there is negligence in liability for damages. The clause of the Mutual Benefit Association requires that the negative prescription of the claim to pay mutual benefit money be the short-term period of two years. Therefore, it is necessary to prolong the reasonable period so that any disbenefit may not occur in the consumer's position.
It is necessary to continue paying endless attention to make the future developmental supplementation of the mutual benefit system, the system of compensation for damages due to the real estate transaction accident. And efforts to find out the scheme for improvement of the system should continually be made in the future. This would become a shortcut to revitalizing the real estate market in the future and securing the stability of the real estate market.

목차 (Table of Contents)

• 제1장 서론 = 1
• 제1절 연구의 배경 및 목적 = 1
• 제2절 연구의 범위 및 방법 = 2
• 1. 연구의 범위 = 2
• 2. 연구의 방법 = 2
• 제2장 부동산 거래사고 및 손해배상제도의 기본적 고찰 = 3
• 제1절 부동산 거래사고 = 3
• 1. 부동산 거래사고의 개념 = 3
• 2. 부동산 거래사고의 발생원인 = 5
• 3. 부동산 거래사고의 유형 = 9
• 제2절 손해배상제도 = 15
• 1. 손해배상제도의 의의 = 15
• 2. 손해배상(공제)제도의 내용 = 19
• 제3절 외국의 손해배상제도 = 21
• 1. 미국 = 22
• 2. 영국 = 23
• 3. 일본 = 23
• 제3장 거래사고의 손해배상 현황 및 사례분석 = 25
• 제1절 부동산 거래사고의 현황 = 25
• 1. 소비자 피해실태 = 25
• 2. 부동산 거래사고 현황 = 25
• 제2절 부동산 거래사고에 따른 손해배상 관련사례 = 27
• 1. 부동산 거래사고에 따른 손해배상 판례분석 = 27
• 2. 부동산 거래사고 공제관련 피해 사례분석 = 39
• 제3절 부동산 거래사고에 따른 공제사고 및 공제금 지급현황 = 41
• 1. 등록되어있는 중개업자수(연도별 증감현황, 지역별 등록현황) = 41
• 2. 부동산중개공제 가입현황 = 44
• 3. 공인중개사협회의 공제금 지급절차 = 44
• 4. 부동산 중개공제금 지급실태 = 45
• 제4장 부동산 중개사고에 따른 공제제도의 설문조사 분석 = 46
• 제1절 인구통계학적 특성 = 46
• 1. 성별 분포 = 46
• 2. 연령 분포 = 47
• 3. 최종학력 분포 = 47
• 4. 중개업 종사 기간 분포 = 48
• 제2절 부동산 중개사고에 대한 설문분석 = 49
• 1. 부동산 중개사고 경험 실태분석 = 49
• 2. 부동산 중개사고에 대한 원인 및 해결방안 실태분석 = 54
• 제3절 부동산 중개사고에 따른 공제제도의 설문분석 = 58
• 1. 부동산 중개사고에 따른 손해배상의 실태조사-1 = 58
• 2. 부동산 중개사고에 따른 공제제도의 실태조사-2 = 63
• 제4절 부동산 중개사고에 따른 공제제도의 종합적 분석 = 68
• 1. 현재 공제제도의 가장 큰 문제점 = 69
• 2. 현재 공제제도의 문제점을 개선하기 위한 해결방안 = 71
• 제5장 공제제도의 문제점 및 개선방안 = 74
• 제1절 부동산 중개사고에 따른 공제제도의 문제점 = 74
• 1. 공제금액 낮은 보장설정액 = 74
• 2. 손해배상금 청구요건의 복잡성 = 75
• 3. 공제금(손해배상금) 지급범위의 불확실성 = 76
• 4. 부동산중개공제금 지급청구권 소멸시효 기간의 단기 = 77
• 제2절 부동산중개사고에 따른 공제제도의 개선방안 = 78
• 1. 부동산중개사고 공제금 설정액 증액 필요 = 78
• 2. 부동산 중개사고로 인한 공제금 청구요건 완화 필요 = 78
• 3. 부동산 중개사고 손해(공제금 지급)범위 적정화 필요 = 79
• 4. 부동산중개공제금 지급청구권 소멸시효 기간 연장 필요 = 79
• 제6장 결론 = 80
• 참고문헌 = 82
• ABSTRACT = 84
• 부록 = 87