A Study on the Current Fire Insurance Subscription and Solutions for Ensuring the Safety of the Traditional Market

전통시장 안전성 확보를 위한 개선방안: 화재보험 가입실태를 중심으로

Concerning the risk factors of the outbreak of a fire in a traditional market, most of those markets are located in downtown areas or residential areas; thus, although their location may be favorable in terms of marketability, they face a potential risk in that a fire may develop into a large blaze owing to poor environment or the absence of facilities prepared for disaster during a fire. Moreover, as many people are densely poised in the markets, it is very probable that a fire may occur owing to the excessive use of heaters in the winter as well as the reckless use of electric and gas facilities. It seems that traditional markets encounter difficulty being insured against fire, because of their vulnerability and that the vast majority of small-scale sellers are likely to suffer mental anguish and tremendous physical injury in case of a fire. However, most of those sellers in the traditional markets are hand-to-mouth sellers, and they lack awareness of safety concerns and have insufficient experience in safe facility management. As small-scale sellers constitute the majority in the traditional market, the subscription rate of fire insurance in most of the traditional markets is low for the reasons of their needy circumstances and their financial burden. Statistically, the subscription by street vendors is non-existent; therefore, these vendors have a fairly limited access to indemnification after fire damage. Because of these problems, this study's purpose is to identify the current level of insurance subscription by these markets, which are exposed to poor facilities and vulnerability to fire. In order to fix this, it appears that shop owners and consumers will have to band together. For this study, we executed a fire policyholder fact-finding mission at traditional markets with approximately 108 and 981 stores. The research method was executed by an investigation using one-on-one individual interviews using a questionnaire. The contents investigated current insurance subscriptions. The method of analysis looked at the difference of insured amount according to volume size through cross-tabulation of the difference of insured amount by possession form, difference of insured amount by market form, difference of insured amount by category of business, difference of insured amount by market size, etc. Furthermore, the study should be used to propose solutions for problems through theoretical review with the use of a literature research, because the field case study was through interviews with the persons concerned, and the survey of the current insurance subscriptions by traditional market shopkeepers. The traditional market would generally have difficulty affording fire insurance. Fire insurance subscription rates of most of the market proved to be inactive, because of the economic burden of payment. Lack of funds is thought to be the main factor that causes a lack of realization about the necessity of fire insurance. In addition to expensive insurance premiums, sometimes, the companies' valuation of the businesses is lower than their actual valuations, and they do not pay out enough during a claim. The research presents an improvement plan that, when presented at the traditional markets, may strengthen their ability to procure fire insurance through the help of the central government. Researchers connected with the traditional market mainly accomplish the initial research. However, although this research has its limitations, it offers considerable benefits. For future researchers, I would suggest looking at several regions for comparison.

전통시장의 화재발생 위험요인은 대부분 도심이나 주택가 밀집지역에 위치해 상권상의 입지여건은 양호하나 시설 낙후와 재난 시설의 미비로 인하여 화재 발생시 대형화재로 전이될 위험성을 가지고 있다. 또 많은 사람들이 밀집돼 있다 보니 전기·가스시설의 무분별한 사용과 겨울철 난방기의 과도한 사용으로 화재발생 요인이 높다. 이처럼 전통시장은 화재에 취약한 점으로 인해 화재보험가입도 어려워 대부분 영세 상인들의 정신적 피해와 막대한 물질적 피해를 입게 됨에도 불구하고, 전통시장의 대다수 상인들이 생계형 상인으로 안전의식 부족 및 안전 시설관리가 미흡한 실정이다. 영세 상인이 다수로 화재시 기초적 생계 곤란과 경제적 부담 등을 이유로 대다수 시장의 화재보험 가입률이 저조하고, 노점상의 가입은 전무하여 사후 보상에도 한계를 가지고 있다. 이러한 문제점에 따라 본 연구는 전통시장의 시설 낙후성, 화재 취약성 등에 노출된 시장의 보험가입 실태 파악하고자 한다. 그리고 문헌 연구를 통한 이론적 고찰과 관계자 인터뷰를 통한 현장사례 연구, 재래시장 보험실태조사를 통해 문제점을 분석하였다. 전통시장 108여개와 점포 981개를 대상으로 화재보험가입자및 실태조사를 실시하였다. 조사방법은 설문지에 따라 직접 개별점포를 방문하여 일대일 개별면접조사 방법으로 조사를 실시하였다. 조사내용은 보험가입현황과 보험에 대한 인식을 조사하였다. 이러한 분석을 토대로 전통시장의 화재발생 안전성 확보를 위해 화재보험 가입을 위한 대안 제시와 중앙정부에서의 시설 현대화 사업의 정책 중 안전부문을 보강할 수 있는 개선 방안을 제시하였다.