기타 ( 하종화 금융상식 ) 계리직 시험대비 금융상식 기본서 플러스 빈칸연습, 하종화, 가치산책

[용이봉이^^]

계리직 시험대비 금융상식 기본서 플러스 빈칸연습
	정가	29,000원
	판매가	26,100원
	적립금	261원 (옵션별 차등지급)
	저자	하종화
	출판사	가치산책
	발행일	2022-03-14
	판형	188x257/688p
	ISBN	9791192070315

상세설명

저자 소개
해커스 공무원 계리직 우편, 금융 / 행정법 강사

책의 특징
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

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 
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 
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 
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 
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 
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 
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 
 
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 
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 
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 
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 
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 
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 
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 
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 
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