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전승근 ( Sung Keun Chun ) 연세대학교 법학연구원 글로벌비즈니스와 법센터 2011 연세 글로벌 비즈니스 법학연구 Vol.3 No.2
It is difficult for policyholders and consumers to understand insurance products be cause of the complexity of policy, calculations of the premium, and conditions for payment of insurance claims. Also, there is the high probability that the information asymmetry between the insurance company which drafts the policy and the policyho lder who purchases it may be worsened. If information related to the insurance pro duct is not conveyed, misconveyed or not explained fully, it would be considered misselling of insurance which would lead to complaints and litigation eventually with the possibility of cancellation of insurance, liability or administrative sanctions or liab ility for the insurance company. Thus, there are legislative and administrative regulat ions in place to prevent misselling of insurance such as the requirement of the insura nce company to provide the policy and explain important information. Also, in case s where the product has the characteristic of an investment product, such as variable insurance, there are additional duties to explain and also the principle of propriety. Furthermore, there are special regulations in place with regards to the duty to provid e and explain the policy due to the rise of non-personal sales channels such as telep hone sales, sales through mailings, internet sales and sales through home-shopping channels which does not allow face to face explanation of the insurance product. In order to prevent misselling of insurance, there are regulations in place regarding advertisements providing information prior to the execution of the insurance agreeme nt, information materials, and public notice of insurance products. These regulations are in place in other jurisdictions, and these regulations are clarified through cases of misselling. The recently enacted changes to the Insurance Business Act clarify the issues related to the duty to provide and explain the insurance policy. However, variable insurance has the issue of being regulated by both the Insurance Business Act and the Financial Services and Capital Markets Act, and the probability of a sort of class action lawsuit exists from an analysis of overseas cases. With regards to cases dealing with the insurance company`s breach of the duty to explain, the court should improve the fact that the policyholder`s negligence is not taken into account, and also should recognize vicarious liability for the insurance company, as well as the insurance salesperson. Also, the cases pointed out as misselling by the Financial Supervisory Services can be considered in the civil trial context. The scope and type of disclosure should be expanded to broker and consumer protection group to lead easy excess to valuable insurance information and comparing the product. The FSS also should consider to disclose the dispute settlement case and saction case relating misselling.
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강선태,전승근 한국위생과학회 1997 한국위생과학회지 Vol.3 No.1
A bag filter assembly was newly constructed and tested for its operating characteristics and dust-collection efficiency by using the limestone dust particles. The test results observed in the assembly are summarized as follows 1. The collection yields of the newly estabished bag filter have continuously increased with theelapsing time of operatinn, and reached to about 99% after 20 hours of operatinn, during which the pressure drops at the respective test sections of the dust generator, the bag filter, and the check filter have shown constant values about 3∼4mm H₂O. 2. The particle size distribution of the limestone powder used in the experiments ranges from 2 to 55 ㎛, which were measured by the image analyser. The average particle size of the dust collected in the bag filter was about 13∼18㎛ and those collected in the check filter were about 4.5∼4.8㎛
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Swelling Ratio Determination of a Polymer Microbead via Video-Microscopy
조일훈,전승근,정현우,박상수 한국고분자학회 2023 폴리머 Vol.47 No.4
A simple video-microscopic method for measuring the swelling ratio of superabsorbent polymer (SAP) microbeads is suggested in this study. A microbead particle was isolated from a women’s sanitary pad and was placed under a video-microscope, followed by the addition of buffered saline onto the microbead. The swelling behavior of the microbead was then videotaped and the images were captured to calculate the projected areas of the microbead for swelling ratio determination. Total of 20 microbeads were studied to measure the swelling ratio at equilibrium, and the ratio was 26.29 (±3.11), which was approximately 10% smaller than the swelling ratio determined by the conventional method, 28.50 (±1.25). Video-microscopic observation of the swelling behavior and estimation of the swelling ratio of SAP microbeads could become an effective tool for understanding the role of SAP microbeads in hygienic and medical products.
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