방카슈랑스에 관한 소고 = A Study on the Bancassurance

다국어 초록 (Multilingual Abstract)

The age of the bancassurance will be open on August, 2003 according to the revision of insurance law. The meaning of the bancassurance is that banks can sell insurance companies' financial goods while the opposite is possible. However, the shape of the bancassurance in Korea is likely to show the type a bank sells insurance products on its counter due to the current banking and insurance law.
The advantages of the bancassurance are greater resource flexibility and integration of commercial bank and insurance company product lines. Its perceived disadvantages include greater monopoly power and greater potential conflicts of interest.
To settle down the bancassurance in Korea, its span and its permissible insurance products will be decisive factors. On the other hand, a bank can face the new risks associated with the bancassurance, while and insurance company may experience the discrimination from a bank. In these senses, regulatory oversights should be strengthened. Then, the introduction of the bancassurance can have Korean financial market and institutions more competitive, and make consumer welfare more increased.

목차 (Table of Contents)

• Ⅰ. 들어가는 말
• Ⅱ. 은행과 보험회사간 업무제휴 현황
• Ⅲ. 방카슈랑스의 도입배경
• Ⅳ. 다른 나라의 경우
• Ⅴ. 방카슈랑스의 발전방향
• Ⅵ. 맺는 말
• 참고문헌
• SUMMARY