금융상식 기본서 플러스 빈칸연습

계리직 공무원

하종화 저자(글)

가치산책컴퍼니 · 2022년 03월 15일

책 소개

빈칸 암기 연습을 위한 칼라 필름 삽입
키워드 및 중요내용 볼드 및 밑줄 처리
핵심사항 비교 정리
편저주를 통한 놓치기 쉬운 부분 확인
역대 기출문제를 최근 공고에 따른 풀이로 재확인

작가정보

저자(글) 하종화

해커스 공무원 계리직 우편, 금융 / 행정법 강사

목차

• PART 1 _ 예금편 / 3
  제 1 장 금융경제 일반 ······························································································· 4
  제1절 국민경제의 순환과 금융의 역할 ··································································· 4
  1. 국민경제의 순환과 금융의 연결 ······························································· 4
  2. 금융의 역할 ································································································· 9
  제2절 주요 금융경제지표 ······················································································ 11
  1. 금리(이자율) ······························································································ 11
  2. 환율 ············································································································ 20
  3. 주가 ············································································································ 22
  제3절 금융시장 ······································································································ 26
  1. 금융시장의 의의 ······················································································· 26
  2. 금융시장의 기능 ······················································································· 28
  3. 금융시장의 유형 ······················································································· 29
  제 2 장 금융회사와 금융상품 ·················································································· 34
  제1절 금융회사 ······································································································ 34
  1. 은행 ············································································································ 35
  2. 비은행 금융회사 ······················································································· 36
  3. 보험회사 ····································································································· 37
  4. 금융투자회사 ····························································································· 37
  5. 금융유관기관 ····························································································· 39
  제2절 금융상품 [10 기출] ···················································································· 41
  1. 저축상품 ····································································································· 42
  2. 투자상품 ····································································································· 50
  3. 기타상품 ····································································································· 64
  제 3 장 저축과 금융투자의 이해 ············································································ 68
  제1절 저축의 기초 ································································································ 69
  1. 저축과 이자 ······························································································· 69
  2. 저축과 인플레이션(Inflation) ································································· 71
  3. 저축과 세금 ······························································································· 72
  목 차
  Mail and Financial common sense
  iii
  제2절 투자의 기초 ································································································ 72
  1. 투자 vs. 투기 ···························································································· 72
  2. 수익 vs. 투자수익률 ················································································ 73
  3. 투자의 위험(risk) ····················································································· 74
  4. 자본시장과 금융투자업에 관한 법률 ····················································· 78
  제3절 주식투자 ······································································································ 81
  1. 주식의 개념 ······························································································· 81
  2. 주식의 발행 ······························································································· 83
  3. 주식의 종류 ······························································································· 85
  4. 주식 유통시장 ··························································································· 88
  5. 주식 거래방법 ··························································································· 88
  제4절 채권투자 ······································································································ 91
  1. 채권의 개념 ······························································································· 91
  2. 특수한 형태의 채권 ·················································································· 95
  3. 소액채권거래제도 ······················································································ 99
  4. 주식과 채권의 비교 ·················································································· 99
  제5절 증권분석 ···································································································· 102
  1. 증권의 투자가치 분석 ············································································ 102
  2. 기업정보 ·································································································· 103
  3. 재무비율 분석 ························································································· 105
  4. 주가배수 평가 ························································································· 108
  제 4 장 예금업무 일반사항 ··················································································· 111
  제1절 예금계약 ···································································································· 111
  1. 예금거래의 성질 ····················································································· 111
  2. 예금계약의 성립 ····················································································· 113
  3. 예금거래약관 ··························································································· 115
  제2절 예금거래의 상대방 ···················································································· 119
  1. 자연인과의 거래 ····················································································· 119
  2. 법인과의 거래 ························································································· 121
  3. 법인격 없는 단체와의 거래 ·································································· 123
  iv
  제3절 예금의 입금과 지급 ·················································································· 124
  1. 예금의 입금업무 ····················································································· 124
  2. 예금의 지급업무 ····················································································· 128
  제4절 예금의 관리 ······························································································ 135
  1. 예금주의 사망 ························································································· 135
  2. 예금채권의 양도와 질권설정 ································································ 142
  3. 예금에 대한 압류 ··················································································· 146
  제 5 장 전자 금융 ································································································· 152
  제1절 전자금융의 의의 ······················································································· 152
  1. 전자적 장치 -전달 채널 ········································································ 152
  2. 접근 매체 -거래의 진정성 확보 수단 ················································· 152
  3. 스마트 금융 ····························································································· 153
  제2절 전자금융의 특징 ······················································································· 153
  1. 금융서비스 이용편의 증대 ···································································· 153
  2. 금융기관 수익성 제고 ············································································ 154
  3. 전자금융의 이면 ····················································································· 154
  제3절 전자금융의 발전 과정 ·············································································· 155
  1. 제 1 단계: PC기반 금융업무 자동화 ·················································· 155
  2. 제 2 단계: 네트워크 기반 금융전산 공동망화 ·································· 155
  3. 제 3 단계: 인터넷 기반 금융서비스 다양화 ······································ 156
  4. 제 4 단계: 모바일 기반 디지털금융 혁신화 ······································ 156
  5. 제 5 단계: 신기술 기반 금융IT 융합화 ············································· 157
  6. 전자금융과 미래 전망 ············································································ 157
  제4절 인터넷뱅킹 서비스 ···················································································· 158
  1. 인터넷뱅킹의 개요 ················································································· 158
  2. 인터넷뱅킹의 의의 ················································································· 158
  3. PC뱅킹과 인터넷뱅킹 ············································································ 159
  4. 인터넷뱅킹의 특징 ················································································· 159
  5. 인터넷뱅킹의 이용 ················································································· 160
  6. 인터넷 공과금 납부 ··············································································· 162
  Mail and Financial common sense
  v
  제5절 모바일뱅킹 서비스 ···················································································· 162
  1. 모바일뱅킹의 개요 ················································································· 162
  2. 모바일뱅킹의 의의 ················································································· 163
  3. 모바일뱅킹의 이용 ················································································· 163
  제6절 텔레뱅킹 서비스 ······················································································· 164
  1. 텔레뱅킹의 개요 ····················································································· 164
  2. 텔레뱅킹의 의의 ····················································································· 164
  3. 텔레뱅킹의 이용 ····················································································· 164
  제7절 CD/ATM 서비스 ····················································································· 166
  1. CD/ATM 서비스 개요 ·········································································· 166
  2. CD/ATM 이용 매체 ·············································································· 167
  3. CD/ATM 제공 서비스 ·········································································· 168
  4. 기타 CD/ATM서비스 ············································································ 169
  제8절 신용카드, 직불카드, 체크카드, 선불카드 ················································ 170
  1. 신용카드 ·································································································· 171
  2. 직불카드 ·································································································· 174
  3. 체크카드 ·································································································· 175
  4. 선불카드 ·································································································· 176
  제 6 장 우체국 금융 일반 현황 ············································································ 179
  제1절 연혁 ··········································································································· 179
  제2절 업무범위 ···································································································· 180
  1. 우체국금융 일반 ····················································································· 180
  2. 우체국예금?보험 ····················································································· 181
  3. 기타 금융업무 ························································································· 182
  제3절 역할 ··········································································································· 182
  1. 보편적 금융서비스의 제공 ···································································· 182
  2. 우편사업의 안정적 운영 지원 ······························································ 183
  3. 국가 재정 및 산업 육성에 기여 ·························································· 183
  4. 서민경제 활성화 지원 ············································································ 184
  제4절 소관 법률 ·································································································· 184
  vi
  제 7 장 우체국 금융 상품 ····················································································· 186
  제1절 예금상품 ···································································································· 186
  1. 요구불예금 (입출금이 자유로운 예금) ················································· 186
  2. 거치식 예금 (목돈 굴리기 예금) ·························································· 189
  3. 적립식 예금 (목돈마련 예금) ································································ 191
  4. 기타 ·········································································································· 193
  5. 공익형 예금상품 ····················································································· 193
  제2절 카드상품 (체크카드) ················································································· 200
  1. 사용 한도 및 발급 대상 ········································································ 200
  2. 체크카드 상품 및 특징 ·········································································· 201
  3. 상품별 기능 ····························································································· 203
  4. 효력의 발생과 상실 ··············································································· 204
  5. 카드 해지와 이용정지 ············································································ 204
  제3절 펀드상품 ···································································································· 208
  1. 펀드상품의 종류 및 특징 ······································································ 208
  제 8 장 우체국 금융 서비스 ················································································· 210
  제1절 전자금융 ···································································································· 210
  1. 인터넷뱅킹 ······························································································· 210
  2. 폰뱅킹 ······································································································ 211
  3. 모바일뱅킹 ······························································································· 211
  4. 전자금융을 이용한 자금이체 한도 ······················································· 214
  5. 전자금융서비스 이용 제한 ···································································· 216
  6. 자동화기기 ······························································································· 216
  제2절 우편환?대체 ······························································································ 218
  제3절 외국환 ······································································································· 218
  1. 해외송금 ·································································································· 218
  2. 환전업무 ·································································································· 219
  제4절 제휴서비스 ································································································ 220
  1. 창구망 공동이용 ····················································································· 221
  2. 노란우산공제 판매대행 ·········································································· 222
  3. 우체국 CMS 업무 ·················································································· 222
  Mail and Financial common sense
  vii
  4. 건설근로자퇴직공제금 접수대행 ··························································· 223
  5. 카드업무 대행 서비스 ············································································ 223
  6. 증권계좌 개설 대행 ··············································································· 224
  제 9 장 내부통제 및 리스크 관리 ········································································ 229
  제1절 내부통제 ···································································································· 229
  1. 의의 ·········································································································· 229
  2. 법적 근거 ································································································ 229
  3. 필요성 ······································································································ 229
  4. 내부통제의 구성요소 ·············································································· 230
  5. 내부통제의 수단 ····················································································· 231
  6. 내부통제기준 ··························································································· 231
  7. 준법감시인제도 ······················································································· 231
  제2절 금융실명거래 원칙 및 방법 ····································································· 232
  1. 의의 ·········································································································· 232
  2. 실명확인방법 ··························································································· 232
  3. 실명확인 생략이 가능한 거래 ······························································ 235
  4. 불법?탈법 차명거래 금지 ······································································ 235
  제3절 금융거래에 대한 비밀보장 ······································································· 236
  1. 비밀보장제도 ··························································································· 236
  2. 금융거래 정보제공 ················································································· 236
  3. 금융실명거래 위반에 대한 처벌 및 제재 ··········································· 238
  제4절 금융소비자보호 ························································································· 240
  1. 금융소비자보호법 ··················································································· 240
  2. 금융상영업행위 준수사항 ······································································ 241
  3. 금융소비자보호를 위한 장치 ································································ 242
  제 10 장 기타사항 ······························································································· 243
  제1절 예금자보호 ································································································ 243
  1. 예금보험의 구조 ····················································································· 243
  2. 보호대상 금융회사 ················································································· 244
  3. 보호대상 금융상품 ················································································· 244
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  4. 보호한도 ·································································································· 245
  제2절 금융소득 종합과세 ···················································································· 248
  1. 개요 ·········································································································· 248
  2. 소득의 종류와 과세방법 ········································································ 248
  3. 금융소득에 대한 이해 ············································································ 249
  4. 금융소득 종합과세 체계 ········································································ 250
  5. 종합과세 되는 금융소득 ········································································ 250
  6. 금융소득의 세액계산 방법 ···································································· 253
  7. 신고와 납부 ····························································································· 254
  제3절 자금세탁방지제도 ······················································································ 259
  1. 개요 ·········································································································· 259
  2. 금융정보분석기구(FIU) ·········································································· 259
  3. 의심거래보고제도(Suspicious transaction report, STR) ············· 260
  4. 고액현금거래보고(Currency Transaction Report, CTR) ············ 261
  5. 고객확인제도(Customer Due Diligence, CDD) ···························· 263
  제4절 금융정보 자동교환 협정 ··········································································· 267
  1. 금융정보자동교환을 위한 국제 협정 ··················································· 267
  2. 금융정보자동교환을 위한 국내 규정 ··················································· 268
  3. 금융회사의 의무 ····················································································· 269
  부 록 / 273
  우체국 예금거래 기본약관 ················································································ 274
  금융실명거래 및 비밀보장에 관한 법률 ·························································· 280
  우체국예금?보험에 관한 법률 ·········································································· 289
  우체국예금?보험에 관한 법률 시행령 ······························································ 300
  우체국예금?보험에 관한 법률 시행규칙 ··································································· 303
  Mail and Financial common sense
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  PART 2 _ 보험편 / 323
  제 1 장 보험일반 이론 ·························································································· 324
  제1절 위험관리와 보험 ······················································································· 324
  1. 보험의 정의 ····························································································· 324
  2. 보험의 목적과 특성 ··············································································· 324
  3. 위험의 구분 ····························································································· 326
  4. 보험의 대상이 되는 불확실성(위험)의 조건 ······································· 327
  제2절 보험의 기능과 종류 ·················································································· 328
  1. 보험의 긍정적 기능 ··············································································· 328
  2. 보험의 부정적 영향 ··············································································· 330
  3. 보험의 종류 ····························································································· 330
  제3절 생명보험의 역사 ······················································································· 333
  1. 생명보험의 역사 ····················································································· 333
  2. 우리나라 생명보험의 역사 ···································································· 334
  제 2 장 생명보험 이론 ·························································································· 338
  제1절 생명보험 계약 ··························································································· 338
  1. 생명보험계약 관계자 ·············································································· 338
  2. 보험계약의 요소 ····················································································· 340
  제2절 생명보험의 기본원리 ················································································ 341
  1. 상부상조의 정신 ····················································································· 341
  2. 대수의 법칙 ····························································································· 341
  3. 생명표 ······································································································ 343
  4. 수지상등의 원칙 ····················································································· 343
  제3절 보험료 계산의 기초(3이원방식, 현금흐름방식) ······································· 344
  1. 3이원방식 ································································································ 344
  2. 현금흐름방식 ··························································································· 345
  제4절 영업보험료의 구성 ···················································································· 347
  1. 순보험료 ·································································································· 347
  2. 부가보험료 ······························································································· 347
  3. 보험료의 산정 ························································································· 348
  x
  4. 배 당 ········································································································ 349
  제5절 언더라이팅과 클레임 ················································································ 354
  1. 언더라이팅(Underwriting)과 언더라이터(Underwriter) ················· 354
  2. 언더라이팅(Underwriting)의 대상 ······················································ 355
  3. 언더라이팅(Underwriting)의 절차 ······················································ 357
  4. 표준미달체 / 우량체의 인수 ································································ 360
  5. 언더라이팅(Underwriting)의 실무 ······················································ 360
  6. 클레임(Claim) 업무 ··············································································· 363
  제6절 생명보험 세제 ··························································································· 364
  1. 생명보험의 세제혜택 부여 목적 ··························································· 364
  2. 보험계약 세제 ························································································· 365
  제 3 장 보험윤리와 소비자보호 ············································································ 374
  제1절 보험영업윤리 ····························································································· 374
  1. 보험회사 영업행위 윤리준칙 ································································ 374
  제2절 보험범죄 방지활동 ···················································································· 380
  1. 보험범죄란? ····························································································· 380
  2. 보험범죄의 특성 ····················································································· 382
  3. 보험범죄의 유형 ····················································································· 382
  4. 보험범죄 방지활동 ················································································· 384
  제3절 보험모집 준수사항 ···················································································· 385
  1. 보험모집 개요 ························································································· 385
  2. 보험모집 관련 준수사항 ········································································ 385
  제4절 보험소비자 보호 ······················································································· 390
  1. 보험소비자 보호제도 ·············································································· 390
  2. 보험금 대리청구인 지정제도 ································································ 392
  3. 생명보험 광고심의제도 ·········································································· 392
  4. 보험민원 ·································································································· 392
  제 4 장 생명보험과 제3보험 ················································································· 394
  제1절 생명보험 개요 ··························································································· 394
  1. 생명보험의 의의 ····················································································· 394
  Mail and Financial common sense
  xi
  2. 생명보험의 개요 ····················································································· 394
  제2절 생명보험 상품 ··························································································· 394
  1. 생명보험 상품의 특성 ············································································ 394
  2. 생명보험 상품의 종류 ············································································ 396
  제3절 제3보험 개요 ···························································································· 398
  1. 제3보험의 개요 ······················································································· 398
  2. 제3보험의 관련 법규 ············································································· 401
  3. 제3보험의 겸영 ······················································································· 403
  제4절 제3보험 상품 ···························································································· 404
  1. 제3보험 상품의 분류 ············································································· 404
  2. 상해보험 ·································································································· 404
  3. 질병보험 ·································································································· 406
  4. 간병보험 ·································································································· 411
  제 5 장 보험계약법(인보험편) ··············································································· 414
  제1절 의의 ··········································································································· 414
  제2절 법적성질 ···································································································· 414
  1. 낙성계약 ·································································································· 414
  2. 불요식계약 ······························································································· 415
  3. 쌍무계약 ·································································································· 415
  4. 부합계약성 ······························································································· 415
  5. 상행위성 ·································································································· 415
  6. 사행계약성 ······························································································· 416
  7. 최대선의성과 윤리성 ·············································································· 416
  8. 계속계약성 ······························································································· 416
  제3절 특성 ··········································································································· 416
  1. 사익조정성(영리성) ················································································· 416
  2. 단체성 ······································································································ 417
  3. 기술성 ······································································································ 417
  4. 사회성과 공공성 ····················································································· 417
  5. 상대적 강행법성 ····················································································· 417
  xii
  제4절 요소 ··········································································································· 419
  1. 보험대상자와 보험목적물 ······································································ 419
  2. 보험사고 ·································································································· 419
  3. 보험료와 보험금 ····················································································· 419
  4. 보험기간과 보험료 납입기간 ································································ 420
  제5절 성립과 체결 ······························································································ 420
  1. 보험계약의 성립과 거절 ········································································ 420
  2. 보험계약의 체결 ····················································································· 421
  3. 승낙의제 ·································································································· 421
  4. 승낙전 사고담보 ····················································································· 421
  5. 보험증서(보험증권)의 교부 ···································································· 422
  제6절 철회, 무효, 취소, 실효 ············································································ 422
  1. 보험계약의 철회 ····················································································· 422
  2. 보험계약의 무효와 취소 ········································································ 423
  3. 보험계약의 실효 ····················································································· 424
  제7절 고지의무 ···································································································· 424
  1. 고지의무 당사자 ····················································································· 425
  2. 고지의무위반의 효과 ·············································································· 425
  3. 고지의무위반에 대해 해지할 수 없는 경우 ········································ 426
  제8절 효과 ··········································································································· 428
  1. 보험자의 의무 ························································································· 428
  2. 보험자의 보험료 반환의무 ···································································· 429
  3. 보험자의 면책사유 ················································································· 430
  4. 보험계약자 등의 의무 ············································································ 430
  제9절 부활 ··········································································································· 433
  1. 부활의 의미 ····························································································· 433
  2. 부활의 요건 ····························································································· 433
  3. 부활의 효과 ····························································································· 434
  제 6 장 우체국보험 일반현황 ················································································ 438
  제1절 연혁 ··········································································································· 438
  제2절 업무범위 ···································································································· 441
  Mail and Financial common sense
  xiii
  1. 우체국보험의 목적 ················································································· 441
  2. 우체국보험의 특징 ················································································· 441
  3. 우체국보험과 타기관 보험과 비교 ······················································· 444
  제3절 소관법률 및 근거 ····················································································· 445
  1. 관련 법률현황 ························································································· 445
  2. 보험적립금 관련 주요내용 ···································································· 445
  제4절 역할(사회공헌) ·························································································· 447
  1. 개요 ·········································································································· 447
  2. 추진 경과 ································································································ 447
  3. 재원 ·········································································································· 447
  4. 공익재단 출연 기준 ··············································································· 448
  5. 사회공헌 관련 세부사업 ········································································ 448
  제 7 장 우체국보험 상품 ······················································································· 449
  제1절 개요 ··········································································································· 449
  1. 보험의 종류 ····························································································· 449
  2. 보험상품의 개발 ····················································································· 449
  3. 판매중인 상품 ························································································· 450
  제2절 보장성 보험 ······························································································ 452
  1. 무배당 우체국든든한종신보험 2109 ··················································· 452
  2. 무배당 우체국건강클리닉보험(갱신형) 2109 ······································ 459
  3. 무배당 우체국100세건강보험 2109 ···················································· 463
  4. 무배당 우체국하나로OK보험 2109 ····················································· 469
  5. 무배당 우체국와이드건강보험 2112 ··················································· 474
  6. 무배당 우체국실속정기보험 2019 ······················································· 482
  7. 무배당 우리가족암보험 2109 ······························································· 485
  8. 무배당 우체국자녀지킴이보험 2109 ··················································· 491
  9. 무배당 어깨동무보험 2109 ·································································· 497
  10. 무배당 에버리치상해보험 2109 ························································· 499
  11. 무배당 우체국예금제휴보험 2109 ····················································· 500
  12. 무배당 우체국단체보장보험 2201 ····················································· 502
  13. 무배당 우체국안전벨트보험 2109 ····················································· 504
  xiv
  14. 무배당 우체국급여실손의료비보험(갱신형) 2109 ···························· 505
  15. 무배당 우체국실손의료비보험(계약전환?단체개인전환?
  개인중지재개용)(갱신형) 2109 ··························································· 509
  16. 무배당 우체국노후실손의료비보험(갱신형) 2109 ···························· 513
  17. 무배당 우체국간편실손의료비보험(갱신형) 2109 ···························· 515
  18. 무배당 만원의행복보험 2109 ···························································· 518
  19. 무배당 우체국통합건강보험 2109 ····················································· 520
  20. 무배당 우체국간편가입건강보험(갱신형) 2109 ································ 528
  21. 무배당 우체국더간편건강보험(갱신형) 2109 ································· 533
  22. 무배당 우체국치아보험(갱신형) 2109 ··············································· 537
  23. 무배당 우체국치매간병보험 2109 ····················································· 540
  24. 무배당 내가만든희망보험 2109 ························································· 544
  25. 무배당 우체국요양보험(갱신형) 2109 ··············································· 546
  26. 무배당 우체국당뇨안심보험 2109 ····················································· 549
  27. 무배당 우체국나르미안전보험 2109 ················································· 554
  28. 무배당 win-win단체플랜보험 2109 ················································ 556
  29. 무배당 우체온라인당뇨보험 2109 ····················································· 560
  30. 무배당 우체국온라인착한안전보험 2109 ·········································· 561
  31. 무배당 우체국온라인어린이보험 2109 ············································· 563
  32. 무배당 우체국온라인암보험 2109 ····················································· 565
  33. 무배당 우체국온라인3대질병보험 2109 ··········································· 566
  34. 무배당 우체국온라인정기보험 2109 ················································· 567
  35. 무배당 온라인내가만든희망보험 2109 ············································· 568
  36. 무배당 우체국온라인와이드암보험 2112 ·········································· 570
  37. 무배당 온라인미니암보험 2112 ························································· 574
  38. 무배당 온라인요양보험 2112 ···························································· 575
  39. 무배당 온라인입원수술보험 2112 ····················································· 577
  제3절 저축성 보험 ······························································································ 578
  1. 무배당 청소년꿈보험 2109 ·································································· 578
  2. 무배당 그린보너스저축보험 2109 ······················································· 579
  3. 무배당 파워적립보험 2109 ·································································· 581
  Mail and Financial common sense
  xv
  4. 무배당 우체국온라인저축보험 2109 ··················································· 583
  5. 무배당 알찬전환특약 2109 ·································································· 585
  제4절 연금보험 ···································································································· 586
  1. 무배당 우체국연금보험 2007 ······························································· 586
  2. 우체국연금저축보험 2109 ···································································· 588
  3. 무배당 우체국연금저축보험(이전형) 2109 ········································· 590
  4. 무배당 우체국온라인연금저축보험 2109 ············································ 592
  5. 우체국개인연금보험(이전형) 2109 ······················································· 594
  6. 어깨동무연금보험 2109 ········································································ 595
  제5절 우체국보험 관련 세제 ·············································································· 609
  1. 보장성보험 관련 세제 ············································································ 609
  2. 장애인전용보험 관련 세제 ···································································· 610
  3. 연금저축보험 관련 세제 ········································································ 610
  4. 개인연금저축 관련 세제 ········································································ 613
  5. 저축성보험 과세 ····················································································· 616
  6. 상속?증여 관련 세제 ············································································· 618
  제 8 장 우체국보험 모집 및 언더라이팅 ······························································ 621
  제1절 우체국보험 모집 준수사항 ······································································· 621
  1. 보험모집 ·································································································· 621
  2. 보험모집 안내자료 ················································································· 621
  3. 보험모집 단계별 제공서류 ···································································· 622
  4. 설명단계별 의무사항 ·············································································· 623
  5. 통신수단을 이용한 모집 시 준수사항 ················································· 624
  6. 보험계약의 체결 또는 모집에 관한 금지행위 ···································· 624
  7. 특별이익의 제공금지 ·············································································· 626
  제2절 우체국보험 모집자 ···················································································· 627
  1. 보험모집 ·································································································· 627
  2. 직원의 보험모집 ····················································································· 627
  3. FC의 보험모집 ························································································ 629
  제3절 보험계약의 청약 및 언더라이팅(청약심사) ·············································· 630
  1. 보험계약의 청약 ····················································································· 630
  xvi
  2. 언더라이팅(청약심사) ············································································· 632
  제4절 보험계약의 성립과 효력 ··········································································· 635
  1. 계약의 승낙?거절과 청약의 철회 ························································· 635
  2. 보험계약의 효력 ····················································································· 636
  제 9 장 우체국보험 계약유지 및 보험금지급 ······················································· 638
  제1절 계약 유지업무 ··························································································· 638
  1. 개요 ·········································································································· 638
  2. 보험료의 납입 ························································································· 638
  3. 보험료의 납입방법 ················································································· 639
  4. 보험료 자동대출 납입제도 ···································································· 641
  5. 보험료의 할인 ························································································· 641
  6. 보험료의 납입면제 ················································································· 643
  제2절 보험계약의 효력상실 및 부활 ·································································· 645
  1. 보험료의 납입유예 ················································································· 645
  2. 보험계약의 납입최고와 계약의 해지 ··················································· 645
  3. 보험계약의 부활 ····················································································· 646
  제3절 보험계약의 변경 및 계약자의 임의해지 ·················································· 646
  1. 계약내용의 변경 ····················································································· 646
  2. 계약자의 임의해지 및 피보험자의 서면동의 철회권 ························· 647
  3. 중대사유로 인한 계약 해지 ·································································· 647
  제4절 고지의무 ···································································································· 648
  1. 개요 ·········································································································· 648
  2. 고지의무 위반의 효과 ············································································ 648
  제5절 환급금 대출 ······························································································ 649
  1. 개요 ·········································································································· 649
  2. 불공정 대출금지 ····················································································· 649
  제6절 보험금 지급 ······························································································ 650
  1. 개요 ·········································································································· 650
  2. 보험금의 지급청구 ················································································· 650
  3. 보험금을 지급하지 않는 사유 ······························································ 652
  4. 사망보험금 선지급제도 ·········································································· 652
  Mail and Financial common sense
  xvii
  5. 분쟁의 조정 등 ······················································································· 652
  6. 소멸시효 ·································································································· 653
  제 10 장 리스크관리 및 자금운용 등 ·································································· 655
  제1절 리스크 관리 ······························································································ 655
  1. 개요 ·········································································································· 655
  2. 리스크의 종류 ························································································· 655
  3. 리스크관리 필요성 ················································································· 656
  제2절 우체국보험 재무건전성 관리 ···································································· 657
  1. 건전경영의 유지 ····················································································· 657
  2. 자본의 적정성 ························································································· 657
  3. 경영개선계획 ··························································································· 657
  4. 자산의 건전성 ························································································· 658
  제3절 우체국보험 자금운용 등 ··········································································· 658
  1. 보험적립금 운용 ····················································································· 658
  2. 적립금 운용계획의 수립 및 운용분석 ················································· 659
  3. 회계기준 및 재무제표 ············································································ 659
  4. 결산 ·········································································································· 659
  5. 경영공시 ·································································································· 659
  6. 상품공시 ·································································································· 660
  부 록 / 661
  상법 제4편 ‘보험’[손해보험부분 제외] ···························································· 662

기본정보

ISBN	9791192070315
발행(출시)일자	2022년 03월 15일
쪽수	688쪽
크기	187 * 257 * 31 mm / 1137 g
총권수	1권

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