인슈어테크와 법적 쟁점 - P2P 보험의 출현과 제도적 시사점을 중심으로 - = A study on the Insurtech and Legal Issues - Focusing on the emergence of P2P Insurance and institutional meanings -

다국어 초록 (Multilingual Abstract)

With the development of IT technology, Peer to Peer insurance, or so-called P2P insurance, has recently been spreading as a model of Insurtech in EU and the United States. The typical type of P2P insurance is that consumers form their own insurance groups to take risks up to a certain amount of loss, and repay them when the remaining balance, except the insurance premium, is left at the end of the insurance period.
Recently, new technological means such as SNS have explosively widened and diversified the scope and scale of groups that hold ‘trust', which is the basis of the mutual assistance system. Such change can create a new mutual assistance system that was unthinkable in the past. Commonly speaking, the sharing economy is based on trust among the members, however, along with this trust, P2P insurance has a more powerful component, which is the consensus of economic interest. The reason why P2P insurance is gaining attention is not just because it is a new sales channel hat has emerged due to the development of IT technology, but because, although the market size is limited, consumers can become insurers and a type of product provider in the current insurer-driven market. In addition, there is the underlying possibility of a change in structure, which, in turn, regains the confidence that insurance has lost to consumers. includes the regaining of consumer trust that has been lost by the insurance industry. In other words, we witness the irony of the extreme development of technology that results in return to the primitive form of insurance.
Following the proliferation of foreign countries such as Germany, the United Kingdom, and the United States, there has been a recent movement to introduce P2P insurance in Korea. Therefore, it is necessary to examine how to apply and change the existing regulations such as the Insurance Business Act and the Commercial Act. Many issues need to be covered. First, regarding financial supervision such as the agent of insurance businesses, insurance sales, restriction on similar deposit-taking, etc. Second, although in need of further review, whether the Insurance Chapter of the Commercial Act will be applied, including the obligation to pay premiums. In preparation for domestic introduction, more in-depth research should be conducted.