전자상거래 위험관리 방안에 관한 연구(보험제도를 중심으로) = A Study on the Risk Management in the Electronic Commerce(Focus in Insurance System)

다국어 초록 (Multilingual Abstract)

Todays, computers in business world are potent facilitators that most companies could not without them, while they are only tools. They offer extremely efficient means of communication, particularly when connected to Internet. What I stress in this article is the risks accompanied by e-commerce rather than the advantages of Internet or e-commerce. The management of e-commerce companies, therefore, should keep in mind that the benefit of e-commerce through the Internet are accompanied by enhanced and new risks, cyber risks or e-commerce risks.
For example, companies are exposed to computer system breakdown and business interruption risks owing to traditional and physical risks such as theft and fire etc, computer programming errors and defect softwares and outsider's attack such as hacking and virus. E-commerce companies are also exposed to tort liabilities owing to defamation, the infringement of intellectual property such as copyright, trademark and patent right, negligent misrepresent and breach of confidential information or privacy infringement.
In this article, I would like to suggest e-commerce insurance or cyber liability insurance as a means of risk management rather than some technical devices, because there is not technically perfect defence against cyber risks.
But e-commerce insurance has some gaps between risks confronted by companies and coverage needed by them, because it is at most 6 or 7 years since it has been introduced to market. Nevertheless, in my opinion, e-commerce insurance has offered the most perfect defence against cyber risks to e-commerce companies up to now.

참고문헌 (Reference)

1 "지식재산권법" 2001

2 "전자상거래법" 다산출판사 2000

3 "전자상거래 보험의 문제점과 해결방안" 26 (26): 2001

4 "인터넷범죄의 규제법규에 관한 연구" 2001

5 "인터넷과 지적재산권법" 박영사 2002

6 "電子去來에 있어서 契約의 成立을 둘러싼 몇가지 問題" (517) : 1999

7 "電子去來에 있어서 契約의 成立을 둘러싼 몇가지 問題" (516) : 1999

8 "“Current Problems with Hacking Insurance”"

9 "Understanding Cyber Liability" Near North's Insight Online 2003

10 "The Workplace, Cyberspace and Cyber-Liability" 2000

11 Breidenbach, Susan, "The Policy of Protection" 2000

12 "Stand Alone E-Commerce Market Survey" Insurance Law Group 2001

13 "Solution to Problems"

14 "Recent Development in E-Commerce" 37 (37): 2002

15 "Press Release" 2003

16 "New Stand-Alone E-Commerce Liability Insurance for Third-Party Liability Claims" Insurance Law Group 2000

17 "New Stand-Alone E-Commerce Insurance Policies for First-Party Risks" Insurance Law Group 2001

18 "Marsh, AT&T unveil innovative e-business risk solution" 2001

19 "MacGillivray on Insurance Law, 9th ed." Sweet & Maxwell 1997

20 "Law for E-Commerce" West 2002

21 "Introduction to Insurance(2nd ed.)" 1999

22 "Insurer considers Microsoft NT high-risk" Interactive Week, 2001

23 "Insurance of e-commerce risks" 1999

24 "Insurance Coverage for Cyber-Losses" 2000

25 "ISO introduces Cyber Risk Program to help cover $7 Trillion E-Commerce Market" 2005

26 "Hacking Insurance"

27 "HP to offer e-business insurance policies”" PC Week, 2000

28 "E-Commerce-A guide to the law of electronic business" Butterworths 1999

29 "Dangers Lurk in Cyberspace" 11 (11): 2002

30 "Cyber Liability Insurance Issues for Large Companies Market Status Update for Summer of 2003 and Tips for the Buyer" 2003

31 "Calculating e-risk" 25 : 2001

32 "A Fraimwork for Using Insurance for Cyber-Risk Management" 2003

33 "@Risk, Internet and E-commerce : Insurance and Reinsurance Legal Issues" Reactions Publishing Ltd 2000

34 "2003년 및 2004년 CSI/FBI Computer Crime and Security Survey"