• 무역상무연구
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• 제72권
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• pp.25-55
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• 2016

The Buyer shall demand to the Builder the repayment of the pre-delivery instalments paid in case of the Builder's default under a ship-building contract. The Buyer require a refund guarantee issued by a financial institution for a security for the repayment of the pre-delivery instalments paid. As the title of a refund guarantee, in practice, is various, we should look into the contents or the expressions in a guarantee to decide whether a guarantee is a refund guarantee. A refund guarantee, a sort of independent bank guarantee, has characteristic of abstractness, and is independent from the ship-building contract. A refund guarantee is available against the beneficiary's first written demand and signed statement certifying that the Builder failed to make the refund in accordance with the ship-building contract. The guaranteed amount of a refund guarantee will be automatically increased in accordance with the Builder's receipt of the respective instalment, which is not in the other advance payment guarantee. These characteristics of a refund guarantee are derived from the expressions in a refund guarantee rather than inherent therein. This illustrates that careful attention is required to the contents and expressions of the main clauses in a refund guarantee.

• 한국콘텐츠학회논문지
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• 제21권3호
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• pp.626-633
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• 2021

주택도시보증공사는 주택분양보증 사고발생시 환급이행을 신청할 경우 분양계약자에게 특별한 사정이 없는 한 입주금을 환급하여 보증 책임을 부담한다. 주택도시보증공사는 환급이행을 약관규제법에 근거하여 거절할 수 있으나 이와 관련하여 이해 당사자 간에 분쟁이 지속적으로 발생되고 있다. 이에 환급이행에 따른 법적쟁점에 대한 문제점과 개선방안을 연구하는 것을 목적으로 한다. 첫째, 약관규제법상 보증효력 및 보증범위의 문제 둘째, 주택도시보증공사의 조건부 제3자를 위한 보증계약의 문제 셋째, 대법원의 기존 판례의 태도의 문제점을 대상으로 검토하였다. 이런 법적 쟁점들을 검토한 결과 환급이행에 따른 약관해석은 신의 성실의 원칙에 따라 해석되어지고 있으나 개별 사안에 따라 판례들이 긍정과 부정 판결로 갈라질 수 있음을 확인하였다. 또한 주택분양보증은 조건부 제3자를 위한 보증계약임에도 불구하고, 이해 당사자와 같은 적극적 다툼으로 수분양자가 선의의 피해를 보는 것을 확인하였다. 이에 주택도시보증공사가 고객의 주거안정을 위한 설립취지에 맞도록 역할과 협력사항의 개선방안을 제안하였다.

• 통상정보연구
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• 제14권4호
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• pp.339-360
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• 2012

본 논문은 글로벌금융위기시기 정부의 정책의지에 따라 운영될 수 밖 에 없었던 정책금융지원기관으로서, 공적수출신용보증기관 무보가 중소조선기업 보증지원 시 운영상의 문제점을 개선할 수 있도록 방안을 제시하다. 그러므로 본 연구는 기존연구와는 달리 중소조선사를 대표하는 S조선 지원 사례를 서지(書誌)분석을 통하여, 무보의 선박수출보증보험운영상의 불합리한 규정의 개선 뿐 만아니라 무보의 중소조선사 총괄 보증제도 까지 연구범위를 확대하여, 무보의 선박수출보증제도의 운영상의 문제점 및 시사점 뿐 만 아니라 경제위기상황에서 정부의 정책적 오류 발생 및 이와 연관된 정책집행기구의 역할에 대한 정책적 시사점을 제시하였다.

• 무역상무연구
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• 제54권
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• pp.3-44
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• 2012

Shipbuilding industry is one of the most influential ones in Korea. As shipbuilding industry is labor-intensive, it contributes to enhancing both local economy and national economy. Shipbuilding industry has been downsizing since the end of 2008 due to global financial crisis caused by America's sub-prime mortgage and aggravated by European countries' fiscal deficit. As a large fund is required for a single normal shipbuilding contract, fund raising is one of the most important elements in shipbuilding contract. Shipbuilding contract, requires refund guarantee in order for a buyer to reimburse the progressive payment paid to a builder. The disputes under shipbuilding contracts are mostly settled by arbitration rather than by law suit. English laws and English courts have been preferred for the choice of law as well as for the choice of forum. Due to depreciation of the ship value since the end of 2008, a number of buyers are trying to cancel the contract by raising unjust claim under the contract. Once disputes occurs regarding shipbuilding contract, a large amount of loss is inevitable. In order to mitigate the disputes arising from the shipbuilding contract, careful caution is required in drafting a shipbuilding contract.

• 복식문화연구
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• 제12권1호
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• pp.41-58
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• 2004

The purpose of this paper was to propose the efficient strategies of internet fashion shopping malls to success in the internet shopping mall market growing rapidly. Representative 5 internet fashion shopping malls - Halfclub, Fashionplus, e-Hyundai, Hansol CSClub and LGeShop - were selected and in-depth interviews were performed to analyze their marketing 4P's strategies. The results of this study are as fellows. Five shopping malls'main targets are women in twenties and early thirties. The price strategies are various according to shopping malls'character. In general, there are small amounts of discounts on new products(about 5%) which are sold by department stores. Shopping malls executed delivery of goods by cooperation with distribution companies and direct distribution of subcontract companies. Shopping malls are sending e-mails to the members as a promotion strategy. CRM(Customer Related Management) is partially implemented. Joint purchase and various events are conducted frequently. Shopping malls guarantee exchange and refund services.

• 정보보호학회논문지
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• 제11권1호
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• pp.73-85
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• 2001

전자수표는 계산량이나 정보교환량 측면에서 전자동전보다 효율적인 지불수단이다. 그럼에도 불구하고 수표의 액면가가 제한되어 있고, 대금지불 과정에서 발생하는 거스름의 재사용이 용이하지 않기 때문에 활성화되지 못하고 있다. 이 논문은 기존의 전자수표시스템이 가지고 있는 이러한 문제점을 해결한 새로운 전자수표시스템을 제안한다. 이 시스템은 부분은닉서명 기법을 이용하여 수표의 액면가를 임의로 표현할 수 있으며 거스름의 형태가 수표와 같아서 이를 다시 사용할수 있다. 물론 수표의 익명성이 보장되며, 수표를 사용하고 받은 거스름은 어떤 수표의 거스름인지를 알 수 없다. 그밖에 일회성 비밀키를 수표의 일련번호로 활용함으로써 지불의 효율성을 높였으며, 온라인 지불의 문제 점을 극복하고자 같은 상점과는 오프라인으로 다중 지물세션을 가질 수 있도록 하였다. 이 과정에서 부인방지 기능을 제공하기 위해 일발향 축적기를 사용하였다. 새로운 시스템의 안전성, 효율성, 원자성에 대해 분석하였고, 기존의 전자 수표시스템과 비교하였다.

• 한국의류학회지
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• 제28권5호
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• pp.603-614
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• 2004

The purpose of this study was to investigate the criteria of evaluating clothing and web service on internet shopping malls related to consumers' shopping behavior, This study surveyed consumers who have an experience of buying products on the internet shopping mall and the questionnaire and judgment sampling was used. The subjects were 305 men and women living in the metropolitan area. Method of data analysis were factor analysis, t-test, ANOVA, Duncan test and descriptive statistics. The results were as follows: the items buy from the internet were t-shirts, blouses, knits, skirts and pants. The reasons for buying clothing on the internet were good prices, time saving, door-to-door delivery, while the reasons for not buying on the internet were worries about differences between the product shown on the screen and the actual one, quality guarantee, delivery accident and inconvenience in exchange and refund. Among the differences of clothing evaluation criteria according to internet shopping behavior, significant differences were found in the esthetic criteria and the quality performance criteria according to internet using hours, and in the esthetic criteria according to buying experiences. Among the differences of web service evaluation criteria according to internet shopping behavior, the differences among the groups were found in the reliance criteria, the product reference criteria, the order processing criteria and the handling after purchase criteria according to internet using hours. The significant differences were found in the handling after purchase criteria and the promotion$.$policy criteria according to buying experience, and in the promotion$.$policy criteria according to times of purchase.