2

1.
2.

1.
2.
3.
3.
4.
6.
7.
8.


-
-
-

-
-
-

*** ***

-

-

 ..2535 ..2551

...

 2
-
-

-
-
- / 2

()
()

()

23%
13%
18%
12%
18%
18%


1. (Principle of Insurable Interest)
2. (Principle of Utmost Good Faith)

3. (Principle of Indemnity)
4. (Principle of Subrogation)
5. (Principle of Contribution)
6. (Principle of Proximate Cause)

1. (Insurable Interest)
-

2. (Utmost Good Faith)

-

3.
-

(Ex-Gratia payment)

4. (Subrogation)

5. (Contribution)
- 2
-
-

6. (Proximate Cause)


1. (RISK)

(Pure Risk)
(Particular Risk)
(Insurable Risk)

2. (Peril)

1.
2.
3.

3. (Hazard)

1. (Physical Hazard)
2. (Moral Hazard)
3. (Morale Hazard)
/
/
(Physical)
(Moral Hazard)
*
*
*

*
/

(Morale Hazard)
*
*
*

 (Risk Control)
1.
2.

3.
4.
5.

 (Risk Financing)
1.
2.

3. Combination Techniques


1.
2.
3.
4.

1.
2.
3.
4.

1.

1.1
1.2
1.3

 ()

(
)

 ()
(
)


1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

 ()
11.

12.
13. (
)

30 & 3
10 & 20
10,000
7.5%-50%


1. 30

%
1
100%
2
175% 1
3
250% 1
5
349% 1
2. 3

1 X % X 7.44% = 2, 3, 5


( = 0.25%)
= 10,000,000
10,000,000 x 75% = 7,500,000

7,500,000 x 0.25% = 18,750

= 72,000,000 ( = 6,000,000 )
6,000,000 x 0.25% = 15,000
3,750 ( 50% )

 (IAR)
Industrial All Risks

2.
2.1 (...)

2.2

 ()
-

(...)

 ()
-

()

()

()

50,000
200,000
200 20

7 , 5,000,000 /
7 12

10,000,000 /

 ()
-

.
.
. . + .
7

 ()
-

a.

15,000

b.

35,000

c. a. b.

50,000

d.

 ()
-

...

/ /

a.

b.

50,000

200,000

 ()
-

...

... / ...
. ...
.

... / ...

()

 ()
-

...

a.

...

b.

10,000

...

6 5 10,000 100,000

I.

II.

1 20,000

 ()
-

(Range Rate)

 ()

 ()
-

2
.
5,000 10%
5,000
1%

.
5,000 100%
5,000
10%

 ()

1.

2.
2.1

1.

... 1.1
100, 0 0 0 /
10,000,000 /
2.

200,000 /

5,000 /

1.
600,000 /
1.1
.
5,000 /
.
1.2
600,000 /
.
.
2.
3.

1 100,000
5 100,000 /

1 /
- //
100,000 /
200,000/

= 5,500

 ()
-

a. 18 24

( 5%)

b. 25 35

( 10%)

c. 36 50

( 15%)

d. 50

( 20%)

1 1 2

 ()
-

(10%)

3

3.

3.1
3.2

3.1

1. Ex-Works (EXW)
2. Free on Board
3. Cost and Freight
4. Cost Insurance Freight

3.1

ICC (A)
ICC (B)

ICC (C)





Bill of Lading
15

3.2

Conventional Vessel
Container Vessel
Tramp
Liner
Conference Ship
Bulk Carrier

4.

1.
1.1
1.2
1.3
1.4

2.
2.1
2.2
2.3
2.4

3.
3.1
3.2
3.3

3.4

4.
4.1
4.2
4.3

4.4
4.5


1.
2.
3.

4.


1. Lloyds of London
2. Prorate / Short rate
3. 6 5 10,000 100,000
4. 16.00 . - 16.00 .
00.01 . - 16.30 .
IAR 16.00-16.00 / 12.00-12.00 / PA 16.30-16.30


5. Range Rate
6. Fixed Rate or Flat Rate
7. () / ()
8. 50
9. Facultative Reinsurance
10. 50,000
11. 5


12.

13. /
14.

15.

16.