保险趣史

最初的保险意识是伴随着早期航海贸易产生的。公元前18世纪,地中海东岸的腓尼基人已以擅长航海贸易而闻名于世了。虽然他们船只构造很简单,但滚滚财源的诱惑,激励着他们驶上了风浪险恶的航程。当遇到险浪时,腓尼基人为了确保船只和生命的安全,迅速抛弃部分货物,由此造成的损失,则由全体受益者来共同承担。当时,地中海沿岸的商人们,已共同遵守着一个原则:“我为众人,众人为我。”

Organizing Independent Contractors in South Korea： A Case of Insurance Solicitors Unionizing

The purpose of this study is to understand limitations and possibilities of organizing independent contractors by focusing on insurance solicitors in South Korea. Among various types of precarious employment, insurance solicitors are an exemplar case of independent contractor jobs in Korea. According to the narrow interpretation on the employment relationship by the courts, the labor standard law does not treat insurance solicitors as workers. And, most of insurance solicitors are not affiliated with labor unions. As a result, insurance solicitors are outside labor protections. Under this context, insurance solicitors attempted to organize their own union--Korean Insurance Agents＇ Union （KIAU） in the early 2000s, and turned it into a branch of Korean Finance and Service Workers＇ Union （KFSWU） in 2004. However, the KIAU lost its membership rapidly since the mid-2000s and has failed to revitalize itself until now. So, in this study, the author focuses on the changes in the employment structure behind the growth of the insurance industry in the private sector and the reason why union organizing of independent contractors was not successful.

我国保险市场结构的经济学分析

保险市场按其结构,即按保险购买者和供给者数量的多少、保险险种的相互差异程度以及新的保险供给者能够进入某一保险市场的难易程度,可归纳为三种市场模型:垄断型保险市场(包括完全垄断型和寡头垄断型两种)、完全竞争型保险市场和垄断竞争型保险市场。 本文拟采用西方经济学的基本理论。