보험사기 방지를 위한 수익자 적격성 기준의 제도화와 공공성 확보 방안: 전세보증보험을 중심으로

• 영문명: Legal Reform of Beneficiary Eligibility Standards for Preventing Insurance Fraud and Enhancing Public Accountability: A Case Study on Jeonse Guarantee Insurance
• 발행기관: 조선대학교 민주평화연구원
• 저자명: 최강일(Kangil Choi)
• 간행물 정보: 『민주평화연구』제8권 제1호, 219~248쪽, 전체 30쪽
• 주제분류: 인문학 > 역사학
• 파일형태: PDF
• 발행일자: 2025.06.30

국문 초록

Amid the growing prevalence of Jeonse fraud in South Korea, the existing indemnity insurance system exposes critical structural flaws, most notably the lack of enforceable and consistent standards for determining beneficiary eligibility. These institutional shortcomings have allowed fraudulent actors to exploit interpretive ambiguities in policy and contract frameworks, often resulting in the exclusion of legitimate victims from compensation. This paper revisits the legal and operational foundations of beneficiary eligibility, using a comparative approach to examine Jeonse guarantee insurance alongside group and life insurance. Through a detailed analysis of domestic and international case law, statutory regulations, and administrative practices, the study uncovers systemic weaknesses—such as inconsistent eligibility criteria, severe information asymmetry, and insufficient oversight of guarantee institutions. These deficiencies not only exacerbate the risks of fraud but also erode public trust in the insurance system’s fundamental role of risk-sharing and social protection. The paper proposes a multi-pronged reform agenda, including: codifying eligibility criteria through legislative amendments; implementing standardized contract structures; mandating explanatory duties for guarantee institutions; introducing a conditional prepayment mechanism; and aligning these reforms with the Insurance Fraud Prevention Act. Collectively, these measures aim to promote institutional accountability, protect victims' rights, and reorient the insurance framework toward greater fairness and transparency. The findings underscore the need for legislative and administrative recalibration to ensure that indemnity insurance fulfills its intended public function.

목차

Ⅰ. 서론

Ⅱ. 보장성 보험의 구조와 수익자 자격 쟁점

Ⅲ. 수익자 기준의 불명확성과 사기 리스크

Ⅳ. 제도 개선 방향 : 법제화와 구조적 개편

Ⅴ. 결론

참고문헌

키워드

수익자 적격성 전세사기 보장성 보험 제도 개혁 공적 책임 beneficiary eligibility jeonse fraud indemnity insurance institutional reform public accountability

참고문헌

• 한양법학
• 국토연구원
• 부동산법학
• 부동산경영
• 법이론실무연구
• 주택연구
• 법과 정책연구
• 국토
• 土地公法硏究
• 국토
• 차세대융합기술학회논문지
• 월간 복지동향
• 중소기업과 법
• 부동산법학
• 주거환경