• 무역학회지
• /
• 제48권2호
• /
• pp.153-174
• /
• 2023

그동안 선하증권의 위기를 극복하기 위한 대안으로서 전자선하증권(E-B/L), 수입화물선취보증서(Letter of Guarantee), 권리포기 선하증권(Surrender B/L), 해상화물운송장(Sea Waybill) 등이 제시되어 왔지만 이들 중 가장 활발히 사용되는 수단은 단연 Surrender B/L이다. 그러나 Surrender B/L은 법적 근거가 없어 여러 가지 문제점을 안고 있기 때문에 지금까지 이러한 법적 한계나 Surrender B/L 이용상의 문제점을 중심으로 관련 연구가 진행되었다. 본 연구는 이러한 연구관점을 확장하여 Surrender B/L 확산에 영향을 미치는 요인을 실증적으로 규명하고자 하였다. 이를 위해 한국국제화물운송협회 회원사를 중심으로 유효표본 190개를 확보하여 위계적 회귀분석을 실시하였다. 또한 R 프로그램을 이용하여 연구자료를 진단하고 지역별 확산 정도를 분석하였다. 실증분석 결과 Surrender B/L의 편의성과 비용 절감 효과, 포워딩 업체의 도제식 교육 등으로 Surrender B/L의 활용도가 높아지는 것으로 나타났다. 또한, 지역분석 결과 Surrender B/L의 확산이 우리나라 인근 지역뿐만 아니라 유럽과 미주지역 등 한국에서 멀리 떨어진 원거리 지역에서도 활발하게 나타나고 있음을 확인하였다.

• 대한수학회보
• /
• 제58권2호
• /
• pp.349-364
• /
• 2021

This paper studies the optimal surrender policies for a variable annuity (VA) contract with a surrender option and a fixed insurance fee for guaranteed minimum maturity benefits (GMMB). In our proposed model, a policyholder pays the fixed insurance fee. Based on the integral transform techniques, we derive the analytic integral equations for the optimal surrender boundary and the value function of the VA contract that can be solved numerically by recursive integration method. We provide numerical values for the value function, the optimal surrender boundary, and the expected optimal surrender time.

• 응용통계연구
• /
• 제23권4호
• /
• pp.635-650
• /
• 2010

We model surrender rates with a few explanatory variables such as the difference between reference marke rates and product crediting rates, the policy age since the contract was issued, unemployment rates, economy growth rates, and seasonal effects using logit function. We investigate the policy holder surrender behaviors of US single premium deferred annuities(SPDA) and Korean interest indexed annuities under extreme financial conditions.

• 아태비즈니스연구
• /
• 제11권3호
• /
• pp.229-242
• /
• 2020

Purpose - To study the factors that are related with compliance for the voluntary surrender program of drive's license for senior drives and to estimate the rate of voluntary surrender. Design/methodology/approach - We online surveyed 147 individuals in order to analyze the intention to comply the program. The surveyees were driver's license holders aged 54 to 65 and drawn to answer their willingness to comply in a 5-point Likert scale. We developed an ordered probit model to analyze the data. Findings - According to the main results of the empirical analysis, the higher the average number of driving per week, regardless of gender and age, the more negative was the driver toward voluntarily surrender of driver's license. Various policy measures need to be prepared to activate the voluntary surrender system using the willingness to voluntarily surrender the driver's license and the characteristics of the voluntary returners, and the implementation of customized safe driving training for elderly drivers may be one such method. Research implications or originality - Population aging is known to cause various social problems, and in the transportation field, the number of elderly drivers and traffic accidents by elderly drivers are also increasing. The government is implementing a program for elderly drivers to voluntarily surrender of their driver's licenses in order to reduce traffic accidents caused by elderly drivers. If only elderly drivers who rarely drive surrender their driver's licenses then traffic accidents may not reduce as much as the program targets, however, and further policy instruments may be needed.

• 동양고전연구
• /
• 제37호
• /
• pp.161-188
• /
• 2009

조선에 투항한 왜인을 항왜라 한다. 특히 임란전후에 수많은 왜인들이 조선인이 되어 살았는데, 고전 서사에서 이들의 모습이 어떻게 드러나는지 이글에서 살폈다. 고전서사에서 항왜는 주로 칼솜씨가 좋은 용맹한 인물들로 소개되며, 그러므로 그들은 각종 전쟁의 상황에서 전공(戰功)을 세우는 것으로 드러난다. 홍세태의 "김영철전"과 권칙의 "강로전" 및 김충선에 대한 인물전 등에서 이런 모습이 드러난다. 이런 작품에서, 항왜인들은 조선의 은혜에 감사하면서 오랑캐인 후금(後金)(이후 청(淸))을 치는 데에 앞장서는 모습을 보인다. 항왜인들이 이런 충성의 모범으로 그려짐으로써, 충성을 다해야 하지만 실제로는 그렇지 못했던 인물들의 불충이 상대적으로 부각되도록 그려졌다. 하지만 서사에서 의도적으로 항왜인들의 일면만을 강조되는 것과 달리, "검승전"에서는 항왜 개인의 고민과 갈등을 엿볼 수 있다. 이런 고민은 조선인이나 일본인이나 인간의 성정은 공통된다는 점을 보여줌으로써 서로 이해하며 어우러져 살 수 있는 가능성을 보여주기도 한다.

• 무역상무연구
• /
• 제65권
• /
• pp.71-94
• /
• 2015

The insurer's right to take legal proceedings in the name of the assured against a third party who has caused loss of or damage to the goods is of particular importance in marine cargo insurance under international trade transaction. The amounts recovered in subrogation actions, known in practice simply as recoveries, form a significant element in the balancing of the cargo insurer's underwriting account by improving ing the loss record. However, even if the carrier involved in the accident have a liability for damages, in some cases can not claim damages in accordance with the after clauses and carrier's exemption clauses indemnity carrier under the contract of carriage. In recent, the dispute cases to argue damages claim of the carrier in connection with business practices of surrender B/L, the claim is dismissed cases in accordance with the Arbitration Rules of the after clauses. In the future, the surrender B/L is continually to use as a marine transport method, it may also be interested in insurance subrogation of damages claims to insurance accident by a surrender B/L.

• 무역상무연구
• /
• 제69권
• /
• pp.201-220
• /
• 2016

A bill of lading is a document which is signed by the carrier or his agent acknowledging that the goods have been shipped on board a named vessel bound for the destination and stating the terms on which the goods so received are to be carried. Therefore, the bill of lading is a document of title enabling the holder to obtain credit from banks before the arrival of the goods, for the transfer of the bill of lading can operate as a pledge of the goods themselves. In the other words the bill of lading creates a privity between its holder and the carrier as if the contract was made. A bill of lading, for obtaining credit from banks, must appear to indicate the carrier's name and signature, the "shipped on board" notation, the port of loading and unloading stated in the sales contract and the credit. Data in the bill of lading, when read in context with the sales contract, the credit, the bill of lading itself and international standard banking practice, need not be identical to, but must not conflict with, data in that bill of lading, any other stipulated document, the sales contract or the credit. The surrender bill of lading, stamping "surrendered" on the original bill of lading by request of the shipper, is not recognized the legal effectiveness as a document of title by the statutory law and court. The surrender bill of lading may increase the risk of impossibility of payment to the holder. Therefore, the surrender bill of lading should be used restrictively between the credible parties and suggested to avoid in the other cases.

• Communications for Statistical Applications and Methods
• /
• 제28권5호
• /
• pp.447-462
• /
• 2021

In insurance, the surrender rate is an important variable that threatens the sustainability of insurers and determines the profitability of the contract. Unlike other actuarial assumptions that determine the cash flow of an insurance contract, however, it is characterized by endogenous variables such as people's economic, social, and subjective decisions. Therefore, a microscopic approach is required to identify and analyze the factors that determine the lapse rate. Specifically, micro-level characteristics including the individual, demographic, microeconomic, and household characteristics of policyholders are necessary for the analysis. In this study, we select panel survey data of Korean Retirement Income Study (KReIS) with many diverse dimensions to determine which variables have a decisive effect on the lapse and apply the lasso regularized regression model to analyze it empirically. As the data contain many missing values, they are imputed using the random forest method. Among the household variables, we find that the non-existence of old dependents, the existence of young dependents, and employed family members increase the surrender rate. Among the individual variables, divorce, non-urban residential areas, apartment type of housing, non-ownership of homes, and bad relationship with siblings increase the lapse rate. Finally, among the financial variables, low income, low expenditure, the existence of children that incur child care expenditure, not expecting to bequest from spouse, not holding public health insurance, and expecting to benefit from a retirement pension increase the lapse rate. Some of these findings are consistent with those in the literature.

• 융합보안논문지
• /
• 제20권4호
• /
• pp.153-159
• /
• 2020

조선후기 민심을 업고 반군이 등장하게 된다. 홍경래는 지역, 신분적 차별 등을 내세워 불만세력들을 규합하여 관군과 전투를 벌이게 된다. 초전에 가산군수 정시에게 항복을 권하고 함께 반란에 참여하기를 강요하였으나 정시는 죽음으로 거부하였다. 주변 관리들은 항거하지 않고 반군에 항복하는 행태를 보였다. 홍경래의 난이 평정되었을 때 가장 피해를 본 부류는 홍경래의 선전선동에 속아 가담한 백성 2천여 명의 죽음이었다. 반란 초기에 관군의 책임자들이 적극적으로 방어하였다면 무고한 백성들의 죽음은 없었을 것이다. 반군에게 항복을 거부하고 죽음으로 대항한 가산군수 정시에 대해 역사적 재조명이 필요하다.

• 무역상무연구
• /
• 제69권
• /
• pp.303-326
• /
• 2016

The Rotterdam Rules regulate both transport documents and the legal effect of the choice of document much more comprehensively than the existing maritime convention to bring international harmonization of issues relating to transport documents. The Rotterdam Rules use the generic term 'transport documents' rather than referring to specific title such as bills of lading, sea waybills. The generic term 'transport documents' allow four types of transport documents to be identified as follows. 1. negotiable 2. negotiable which dispense with surrender 3. non-negotiable which require surrender 4. non-negotiable. Each types of transport documents has its requirements to be satisfied. Also, the choice of transport documents affects legal effect. Thus parties to the contract of carriage not only need to know how the document will be classified at the time it is issued but also consider what the documents will bring legal consequences.