모뉴엘 보험사기를 통해 본 전자무역의 정책적 시사점

초록

Purpose: Based on studying the case of ‘Moneual scandal’, this research attempts to identify the structural loophole in the system of Korean trade settlement and finance - with emphasis on trade insurance policy.Composition/Logic: The focus of analysis will be laid on the system of division among the related institutions. Without any proper 'check and balance' among the related institutions (with careful due diligence efforts), trade fraud is essentially unavoidable (especially in trade insurance program). Various ideas in the trade policy are reviewed against the logic of 'optimal monitoring' and 'accountability'.Findings: Activity-level analysis on the case details demonstrates the coordination failure among the related institutions. Designed as a part of the government-led export promotion program, trade insurance system led by Korea Trade Insurance Company has limited accountability. Privatization of the trade insurance program could improve accountability, but the goal of export promotion (especially for the small exporters) is impuired.Originality/Value: This paper Analyzed the structure of trade insurance fraud through the perspective of information economics. Details of Case analysis were supported by in-depth field interviews. 'Frequently discussed' policy recommendations were critically reviewed with the economic reasoning as well as expert opinion earned through the interview.

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