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홍차넷
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Warning: Use of undefined constant r - assumed 'r' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 51
Warning: Use of undefined constant memo - assumed 'memo' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 237
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 34
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추천
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 21
Warning: Use of undefined constant header - assumed 'header' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 31
- 회원들이 추천해주신 좋은 글들을 따로 모아놓는 공간입니다.
- 추천글은 매주 자문단의 투표로 선정됩니다.
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Warning: Use of undefined constant use_category - assumed 'use_category' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/include/print_category.php on line 9
전체기타일상/생각꿀팁/강좌게임문학영화의료/건강문화/예술경제체육/스포츠과학철학/종교정치/사회요리/음식역사여행IT/컴퓨터음악창작사진
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 18/07/25 14:42:50 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 수정됨 |
| Name | 기쁨평안 |
| Subject | 재보험(Re-Insurance)에 대해 간단한 설명 |
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보험도 어려운 판에 재보험이 왠말이냐? 싶으실 수도 있지만, 그래도 알아두시면 모르는 것보다는 나을 것 같아서 조금이나마 풀어봅니다. 아마 일반분(?)들은 보험이라고 하면 가입해 두신 생명보험이나 실손보험, 그리고 차가 있으신분들은 매년 가입하시는 자동차보험 이정도만 접하실 것 같은데요. 이 보험이라는 것은 원래는 기업들이나 정부와 같은 사업현장에서 제일 먼저 발생했고 발전을 해왔답니다. 최초의 화재 보험은 1666년에 발생한 런던 대화재로부터 생겨났다고 보는 것이 일반적입니다. 그 해에 런던의 한 빵공장에서 불이 납니다. 그런데 그 당시 소방담당관이 안일하게 대응을 하는 바람에 런던 시내로 확산이 되었고 총 5일동안 런던은 불바다가 됩니다. 당시 인구 8만 명 중 7만 명(...)이 집을 잃고 노숙자가 되고 만 대참사였죠. 이 이후 화재보험이 발생을 하게 됩니다. 해상보험은 이보다 300년이나 앞서 르네상스 시절에 이미 발생을 했구요. 이런 보험들, 특히 이번에 라오스 댐 건설같은 것들도 다 공사 시작 전에 건설공사보험을 들어놓게 됩니다. 이건 거의 필수거든요. 그런데 문제는 이런 프로젝트는 사고가 날 확률은 엄청 적은 반면 한번 사고가 터졌다 싶으면 걷잡을 수 가 없는 것이 문제입니다. 보통 보험을 가입하고 보험료를 내야 하는데, 이게 보험료 책정이 애매한 거에요. 예를 들어 이런 댐 공사시 사고가 났을 때 5천억원을 보상해주는 보험을 든다고 가정해봅시다. (아직 피해추산도 안나온 상황이니만큼 그냥 예시를 들어봅니다.) 그러면 이 5천억원에 대한 보험료는 얼마로 책정해야 할까요? 5백억원? 50억원? 5억원? 원래 보험이라는 것이 "위험을 분산해서 떠넘기는 것" 입니다. 발생확률 1%인 사고에 대해 100만원 보상을 받으려고 100명의 사람들이 1만원씩 걷는게 보험이거든요. 그렇게 모인 100만원을 가지고 있다가 사고가 난 사람에게 주는 구조인데, 이런 대형 프로젝트는 수가 많지도 않고 사고날 확률은 극히 희박한데, 한번 나면 회사가 망할 판이라 가입이 너무 부담스러운 거에요. 그래서 대부분의 보험회사는 이런 초대형 사고를 대비해서 자체적으로 또 보험에 가입을 합니다. 이걸 [재보험(Re-Insurance)]라고 해요. 1차적으로는 건설사는 사고의 [위험(Risk)]를 돈을 주고 보험회사에게 떠넘기죠. 그리고 보험회사는 인수한 위험을 다시 재보험회사에게 돈을 주고 넘깁니다. 이런 재보험회사들은 말 그대로 초대형 금융그룹인 경우가 많아요. 워렌버핏으로 유명한 버크셔 해서웨이라던가, 스위스 리, 뮌헨 리 (뮌헨린지 뮈닠 리 인지 ㅋㅋ), 로이즈 등등이 유명해요. 우리나라에는 코리안 리 (Korean Re)라고 한군데 밖에 없어요. 예전에는 (다들 그렇듯이) 국가기업이었다가 민간으로 전환되었죠. 그리고 이런 재보험사들도 넘겨받을 걸 그대로 다 인수하지 않고 또 잘게 분산해서 다시 재보험을 들거나 해요. 그래서 위험을 끊임없이 잘게 잘게 분산해서 나눠갖는 거죠. 그래서 앞서 말한 초대형 건설프로젝트의 경우에는 국내 보험사가 위험을 인수하는 경우가 잘 없어요. 받는 즉시 100% 다 재보험으로 넘기는 경우가 많아요. 그러면 사고가 나도 한푼도 안물어줄 수 있거든요. 대신 재보험회사에게 위험을 넘기면서 수수료를 받죠. 이게 꽁돈이에요. 예를 들어 보험료가 500억원이다. 수수료 5%만 받아도 25억원이 그냥 생기거든요. 위험부담이 전혀없는 그냥 날로 먹는 금액이죠. 그래서 또 이런 대형 프로젝트는 보험회사 한군데하고만 계약하는 경우도 별로 없어요. 보통 손해보험회사가 5개 이상 참여를 하고 시장점유율대로 계약을 나눠 갖는 경우가 많아요. 그래서 대충 몇억씩 챙기고 뭐 이런 구조가 있습니다. * 수박이님에 의해서 티타임 게시판으로부터 게시물 복사되었습니다 (2018-08-06 08:39) * 관리사유 : 추천게시판으로 복사합니다. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 13
이 게시판에 등록된 기쁨평안님의 최근 게시물
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 609
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 609
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 614
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 616
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 618
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 618
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 620
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 640
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 644
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 65
15068 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
15068 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
15068'> 와퍼세트라지
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
18/07/25 14:50
15068>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
오 선생님 좋은 글 감사합니다.
규모가 큰 보험회사들만 재보험을 취급하는 것으로 읽었는데, 국내 보험회사들은 재보험 취급하지 않나요?
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
규모가 큰 보험회사들만 재보험을 취급하는 것으로 읽었는데, 국내 보험회사들은 재보험 취급하지 않나요?
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
15068>
15068>
