본 연구는 해운불황에 따른 충격을 완화하기 위한 사전적인 예방조치로서 정부가 운영하는 운임변동보험의 개발에 관한 것이다. 운임변동보험은 예측운임을 설정하여 실제운임이 예측운임 이하일 경우에는 정부가 운임손실을 보상하고 그 이상일 경우에는 차익을 환수하도록 하는 비영리 정책보험인데 운임에 대한 공신력을 높이기 위해 운임지수를 활용한 방안을 제시하고 있다. 이 제도에 따라 해운선사는 운임수입의 안정화를 도모할 수 있어 지속적으로 해운업을 영위할 수 있으며, 정부는 해운불황에 대비한 해운선사의 자구책을 사전적으로 유도할 수 있고 그 동안 반복되어 왔던 선사의 도산과 설립을 방지할 수 있다.The purpose of this research is to devise a freight rate variation insurance system which will help stabilize Korean shipping industry. This insurance system is expected to cover the risk of fluctuating freight rate in the shipping liner market. That is, when the actual freight index of the current shipping liner market decreases below the expected freight index fixed in a contract of insurance, the insurer will compensate for the freight loss, whereas the insurer will withdraw the difference from the insured (shipping companies) when the actual freight index of the current shipping liner market increases above the expected freight index.
The main effects of this insurance are as follows:ⅰ) shipping companies can always secure nearly unchangeable freight, ⅱ) shipping companies can secure relatively abundant liquid capital. and ⅲ) shipping companies can make a quiet night sleep.
The main side-effects of freight variation insurance are as follows:ⅰ) the likelihood is that an adverse of selection will occur, ⅱ) this insurance system which is not profit-making business necessitates securing funds.
The freight variation insurance will surely cover the risk of steep freight rate variation in the shipping liner market. This insurance system will function as a new method to aid shipping companies.