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 viii 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 ix 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