무언가2017. 10. 20. 13:26

 

Thank you.

I’m honored to be with you today for your commencement from one of the finest universities in the world. Truth be told, I never graduated from college, and this is the closest I’ve ever gotten to a college graduation. Today, I want to tell you three stories from my life. That’s it. No big deal. Just three stories.

The first story is about connecting the dots. I dropped out of Reed College after the first six months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife — except that when I popped out they decided at the last minute that they really wanted a girl.

So my parents, who were on a waiting list, got a call in the middle of the night asking, “We’ve got an unexpected baby boy; do you want him?” They said, “Of course.” My biological mother found out later that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would go to college. This was the start in my life.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents’ savings were being spent on my college tuition. After six months, I couldn’t see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life.

So I decided to drop out and trust that it would all work out okay. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn’t interest me, and begin dropping in on the ones that looked far more interesting.

It wasn’t all romantic. I didn’t have a dorm room, so I slept on the floor in friends’ rooms. I returned coke bottles for the five cent deposits to buy food with, and I would walk the seven miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn’t have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can’t capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the “Mac” would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, it’s likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on that calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards 10 years later.

Again, you can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever — because believing that the dots will connect down the road will give you the confidence to follow your heart, even when it leads you off the well-worn path, and that will make all the difference.

My second story is about love and loss.

I was lucky — I found what I loved to do early in life. Woz¹ and I startedApple in my parents’ garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a two billion dollar company with over 4000 employees. We’d just released our finest creation — the Macintosh — a year earlier, and I had just turned 30.

And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. And so at 30, I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn’t know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down — that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me: I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn’t see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the world’s first computer-animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, and I retuned to Apple, and the technology we developed at NeXT is at the heart of Apple’s current renaissance. And Laurene and I have a wonderful family together.

I’m pretty sure none of this would have happened if I hadn’t been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometime life — Sometimes life going to hit you in the head with a brick. Don’t lose faith. I’m convinced that the only thing that kept me going was that I loved what I did. You’ve got to find what you love.

And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking — and don’t settle. As with all matters of the heart, you’ll know when you find it. And like any great relationship, it just gets better and better as the years roll on. So keep looking — don’t settle.

My third story is about death.

When I was 17, I read a quote that went something like: “If you live each day as if it was your last, someday you’ll most certainly be right.” It made an impression on me, and since then, for the past 33 years, I’ve looked in the mirror every morning and asked myself: “If today were the last day of my life, would I want to do what I am about to do today?” And whenever the answer has been “No” for too many days in a row, I know I need to change something.

Remembering that I’ll be dead soon is the most important tool I’ve ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure — these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn’t even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor’s code for “prepare to die.” It means to try and tell your kids everything you thought you’d have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and, thankfully, I’m fine now.

This was the closest I’ve been to facing death, and I hope it’s the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept: No one wants to die.

Even people who want to go to heaven don’t want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It’s Life’s change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it’s quite true.

Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the “bibles” of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 60s, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and Polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along. It was idealistic, overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: “Stay Hungry. Stay Foolish.” It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I’ve always wished that for myself. And now, as you graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.

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무언가2017. 10. 20. 13:21

ユークリッドの点

ユークリッド幾何学における"点"は大きさ、方向など位置以外のあらゆる特徴を持たない。ユークリッドの公理や仮定では、一部の場合には点の存在が明らかだとする。つまり例えば、1平面上の2直線が平行でなければ、その両線上に位置する1点が確実に存在する。

時にユークリッドはこの公理に沿わない事実があることを想定した。例えば線上の点の順序についてや、時に有限個の点ではない点の存在についてである。そのため、点に対する伝統的公理は全てが完全で決定的というわけではない。

ユークリッドの原論によれば、「位置をもち、部分を持たないものである」と "定義" されている。また、公理からの演繹を重視する現代数学においては、「点とは何か」ということを直接に定義せず、単に幾何学的な集合(空間)の元のことであるとみなされる。これは、点(や直線など)を実体のない無定義術語として導入しておいて、その性質として幾つかの公理を満たすことを "要請" するという立場である。

たとえば、ユークリッド幾何学とよばれる "普通の" 幾何学が成立する空間(ユークリッド空間)では、点は

任意の一点から他の一点に対して直線(線分)を引くことができる。
任意の点を中心として任意の長さ(半径)で円を描くことができる。

直線(ちょくせん、line)とは、太さを持たない幾何学的な対象である曲線の一種で、どこまでもまっすぐ無限に伸びて端点を持たない。まっすぐな線には直線の他に、有限の長さと両端を持つ線分(せんぶん、line segment、segment)と、一つの端点を始点として無限にまっすぐ伸びた半直線(はんちょくせん、ray、half-line)がある。

ユークリッドの幾何学では、直線は本質的に無定義述語である。つまり、「直線とは何か」を直接定義せずに、ただある関係(公理・公準)を満たすものであるとして理論を展開していくのである。ユークリッド幾何学においては以下のようなことである:

二つの異なる点を与えれば、それを通る直線は一つに決まる。
一つの直線とその上にない一つの点が与えられたとき、与えられた点を通り与えられた直線に平行な直線を、ただ一つ引くことができる。
また、このような公理から例えば以下のようなことが導かれる:二つの異なる直線は高々一つの点を共有する。二つの異なる平面は、高々一つの直線を共有する。

通常は、直線や線分は向きを持たず、半直線は向きを持つものとして扱われる。たとえば、2 点 A と B を結ぶ線分を AB と書くと、AB = BA である。一方で、向き付けられた直線、線分や向きを持たない半直線というものも考えることがある。たとえば線分の始点と終点を区別し、線分に向きを考えたものを有向線分と呼んで、有向線分としては AB ≠ BA と考える。

ユークリッド空間内の有向線分を、その位置のみの違いを除くことにより類別して、幾何学的ベクトル(いわゆる矢印ベクトル)の概念を考えることができる。逆にベクトルを用いてユークリッド空間やその中の線分・直線を定式化することもできるが、これについては後述する。

ユークリッド幾何学のように、無定義述語と公理によって構築される幾何学では、直線が「まっすぐ」であるなどのイメージは本質を持たない。曲がった空間の幾何学である非ユークリッド幾何学での直線(測地線)はユークリッド幾何学の中で見ると曲がって見えるのである。

1 次元アフィン空間
アフィン空間(ベクトル)の理論を持ち出すと、次のようにして直線を定義することが出来る: ユークリッド空間 En に対して、任意の一点 P と 0 でない一つのベクトル a が与えられたとき、
L = \{P + \lambda \mathbf{a} \mid \lambda \in \mathbb{R}\}
で表されるような集合 L を直線という(これは一般のベクトル空間にも拡張できる)。この定義においては直線は向きを持つものとみなされる。a は直線の方向を決めるベクトルであり、P は直線上の点になる。同じ直線を与える点とベクトルの組 P, a は一通りではない。また、この定義で λ の動く範囲を限定すると半直線

L_+=\{ P + \lambda \mathbf{a} \mid \lambda \in \mathbb{R} \ge 0 \}
や線分を記述することができる。また同じことだが、原点を固定して点とその位置ベクトルとを同一視すると、ユークリッド空間の異なる 2 点 A(a), B(b) ∈ En が与えられた時に、

L = \{(1 - \lambda)\mathbf{a} + \lambda \mathbf{b} \mid \lambda\in\mathbb{R}\}
なる集合 L は、A, B を含む直線となる(向きを考慮するなら、方向ベクトルは b - a で、これは A から B へ向かって引かれる)。この定義で、λ を 0 と 1 の間に限定すると A から B までを結ぶ(有向)線分

\overrightarrow{AB} =<br /><br /> \{(1 - \lambda)\mathbf{a} + \lambda\mathbf{b} \mid 0 \le \lambda \le 1\}<br /><br />
が得られる。

座標
直線上の点に実数を対応させることで数直線を考えることができる。具体的には、直線上に原点 O と単位点 E を指定し、任意の実数 x に対し、直線上にあり、一方の端点を原点とし、原点から単位点までを結ぶ有向線分との(向きまで込めた)線分比が x となるような線分の、原点ではない側の端点と x とを対応付けたもののことをいう。

しばしば、原点と単位点の距離の整数倍で数を目盛ったものを指す。数直線は向きを持った直線であり、原点から単位点の向きに矢印を記すことがある。また、数直線は、1 次元ユークリッド空間 R に対する座標系と捉えることも出来る。

原点を 0、単位点を 1 として目盛りをつけた数直線
また、数直線を用いることで数の和や差が図として視覚的に与えることができるため、しばしば教育に用いられる。例えば、上の数直線では足し算(和)は右に進む、引き算(差)は左に進むことであり、

2 + 1 は目盛りの 2 から 1 目盛り右に進むから 3 である。
2 - 1 は目盛りの 2 から 1 目盛り左に進むから 1 である。
互いに直交する向き付けられた数直線によってルネ・デカルトは絶対的な静止座標系を定義した。これは直交座標系と呼ばれる。

原点を固定し、原点を始点とする半直線を用いて極座標系が定義できる。このときの半直線は始線と呼ばれる。

グラフとしての直線
直交座標系を入れた 2 次元ユークリッド空間 E2 を考えている時には、直線は1次方程式の形で与えられる;

L=\{(x,y)\mid ax+by=c\}
一般次元においても、線型方程式系のグラフとして直線を記述することができる。これは本質的にはベクトルによる記述と同等である。

線分の形式的取り扱い
幾何学的な線分は、ある 2 点の間を結んだ最短経路である。

形式的には、点集合 V が与えられたとき、直積集合 V × V の元を有向線分 とし、さらに同値関係 ~ を 任意の a, b ∈ V に対し (a, b) ~ (b, a) と定めたときの集合 E = V × V / ~ の元(同値類) [(a, b)] (a, b ∈ V, a ≠ b) のこと(これをしばしば {a, b} と記す)を a と b を結んだ線分と呼ぶ。

このように形式的に線分を定義すれば、グラフ理論などにおける辺も線分として考えられる。

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Posted by THOMAS K
무언가2017. 10. 20. 13:05

 

 

うちは猫なのに
ほぼ同じ。。。

Posted by THOMAS K
무언가2017. 10. 8. 00:18
아무도 미래를 내다볼 수는 없습니다. 당장 내일 구매하는 로또가 다음주에 터질수도 있는거죠. 하지만 일반적으로 부자가 되는 길은 험난하고 많은 준비와 계획 그리고 절제있는 판단력이 필요합니다. 그렇다면 한달 한달 월급만 타가면서 어떻게 재산을 늘릴까요? 사실은 우리는 부자가 되는 길을 막아서는 요소들을 우리도 모르게 행하고 있답니다. 아래 소개해드릴 나쁜 습관들을 고치지 못한다면 이번 인생에 있어서 절대 재정적으로 안정을 찾을 수 없겠죠. 다음은 샐러리맨이 평생 부자가 못되는 이유 12가지를 소개해드리겠습니다.

 1.  소득보다 저축에 비중을 크게 둔다.

저축은 말 그대로 재산을 키우는데 매우 중요한 요소입니다. 하지만 저축한다고 소득의 기회를 놓치면 안되죠. 일반 대중들은 쿠폰을 악착같이 모으고 적금 이율을 따져가면서 정작 돈이 들어오는 부분은 소홀히 할때가 많습니다. 수많은 통장을 벌려놓고 돈을 세이브하는것보다 여러 방법과 방향으로 수입이 들어올 수 있는 길을 뚫는것이 훨씬 더 중요합니다.



 2.  금전적 여유가 없는데도 구매한다.

너무 당연하지만, 자기 분수에 맞지 않게 구매한다면 평생 부자가 될 수 없습니다. 설령 월급이 올랐거나 수익이 조금 늘어났더라도 라이프스타일을 휘엉찬란하게 업그레이드하는데 정당화시키면 안됩니다. Entrepreneur의 억만장자 CEO 그랜트 카르돈은 10억원을 벌었을 때도 도요타 캠리를 타면서 다방면으로 안정적인 수입이 생길때까지 차를 바꾸지 않았다고 하죠.



 3.  자기 꿈보다 남의 꿈을 쫓고 있다.

진정으로 성공하려면 자신이 좋아하고 열정을 쏟아부울 수 있는 꿈을 쫓아야 합니다. 하지만 애석하게도 특히 우리나라의 대부분 샐러리맨들과 젊은층들은 부모님의 꿈이나 자기 상사의 꿈을 대신 쫓고 있죠. 부자가 되는 길을 오래 꾸준히 걷고 싶다면 열정과 꿈이 매우 중요합니다. 이것이 없다면 쉽게 포기가 되고 다른 길로 새나가게 되죠.



 4.  안정적인 월급에 만족한다.

대부분 샐러리맨들은 시간에 기반을 둔 봉급을 받습니다. 하지만 성공한 부자들은 자신들의 성과에 따른 보수를 받게 되죠. 안정적으로 들어오는 월급을 받지 말라는 말이 절대 아닙니다. 하지만 여기에 만족하고 꾸준히 다른 수익방법을 찾지 않는다면 평생 부자가 못되는 샐러리맨으로 남아있게 되죠.



 5.  투자를 시작하지 않는다.

시간이 지남에 따라 부를 축적할 수 있는 가장 효율적인 방법은 투자입니다. 하지만 저 자신을 포함해서 대부분의 월급쟁이들은 투자에 따른 위험요소들에 덜컥 겁을 먹고 시작 자체를 꺼려하죠. 하지만 투자는 일찍 시작할수록 부자가 되는 지름길을 타게 됩니다. 뉴욕타임즈 베스트셀러 작가 라미트 세티의 "I Will Teach You to Be Rich" (나는 너에게 부자가 되는 방법을 가르쳐 주겠다)에는 "성공한 백만장자들은 평균 연 수입의 20%를 투자한다. 그들의 부는 일년에 벌어들이는 수익이 아니라 투자한 금액으로 측정된다"라고 써있죠.


 6.  불확실한 환경을 불편해한다.

불확실한 환경을 피하고 육체적으로나 심리적으로 그리고 감정적으로 안전한 환경을 추구하는 것은 아주 전형적인 중산층의 사고방식입니다. 성공하거나 부자가 되고 싶다면 이 불확실한 환경에 익숙해져야 합니다. 



 7.  돈에 대한 정확한 목적과 비전이 없다.

마냥 부자가 되고 싶은 사람들은 정작 돈을 벌면 어떻게 해야되는지, 어디에 써야되는지 뚜렷한 목적이 없습니다. 이에 반해 부를 축적하고 싶은 사람들은 정확한 재정 계획과 그 목적을 이루기 위해 필요한 지식, 용기, 포커스, 그리고 노력을 하죠. 돈에 대한 비전이 없고 단순히 가난에서 벗어나 집사고 차를 사고 싶다면 허황된 꿈과 같은 것이죠.



 8.  돈을 다 쓰고 난 다음에 남은 것을 저축한다.

부자가 되고 싶다면 자신한테 먼저 돈을 써야됩니다. 대부분의 샐러리맨들은 월급이 들어오면 먼저 월세내고, 신용카드 빛 갚고, 핸드폰비 내고 딴 사람들한테 다 주고 난 다음 남은 돈으로 저축을 합니다. 돈을 다 쓰고 남은 것을 저축하는 대신에 저축을 먼저 해보세요. 매달 들어오는 수입의 10%를 가장 먼저 자동으로 빼놓고 나머지로 생활하는 습관을 기릅니다. 이렇게 되면 그 돈이 처음부터 없는거나 마찬가지로 느껴지게 됩니다.



 9.  자기는 부자가 될수 없다고 생각한다.

보통 사람들은 운이 좋거나 금수저로 태어나야 부자가 된다고 생각합니다. 하지만 사실은 우리나라와 같이 자본주의 국가에서는 남들이 원하는 가치를 만들어낼수만 있다면 충분히 부를 쌓을 수가 있죠. 여기서 첫번째 단계는 자기 자신에 대한 기대치를 높게 두는 것입니다.



 10.  부자가 되는 길을 너무 늦게 시작한다.

'시간은 금이다'라는 말은 너무 식상하게 들려올 수 있습니다. 하지만 저축 또는 수익창출을 한달 또는 일년씩 미루면 그만큼 부자가 되는 확률히 시간상으로 줄어들게 되죠. 시간 낭비는 시간이 흐를수록 더욱 뼈저리게 다가옵니다. 특히 20~30대 샐러리맨들이 가장 후회하는 것으로 뽑은 것이 바로 '일찍 저축하지 않은 것'이 압도적으로 높았죠. 지금이라도 시작한다면 충분히 부자가 될 가능성이 있습니다. 다만 더 이상 늦어지면 그만큼 기회가 멀어질수 밖에 없죠.



 11.  주변 사람들한테 쉽게 영향을 받는다.

주변에 쉽게 돈을 쓰는 친구 또는 애인이 있거나 자기 분수에는 안맞는 동네에 살고 있을수도 있습니다. 하지만 이러한 물질적이고 겉치례적인 것에 쉽게 휘둘려서 같이 돈을 쓰게 된다면 평생 부자는 물 건너갔다고 봐야죠. 누구나 주변에는 부정적인 영향을 주는 사람들이 있습니다. 하지만 절제력을 갖춘 판단력과 정확한 비전만 있다면 이러한 요소들에 영향을 받지 않을 수 있죠. 

 
 12.  '운'이 좋아야 된다고 굳게 믿는다.

흔히 '로또 사고방식'이라고 하죠. 대부분의 샐러리맨들은 인정하기 싫겠지만 부자가 되려면 정말 운이 따라줘야 된다고 생각합니다. 일단 완전히 틀린 말은 아니죠. 그렇지만 기대치를 한껏 높이고 계획을 세워서 계속 두들기고 실패도 맛보면서 노력하는 사람한테 '운'도 따르고 기회도 온답니다.

http://smartincome.tistory.com/m/1696?dmp_channel=invest&dmp_id=644300

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무언가2017. 5. 24. 14:22

어둠이 내려진 차가운 창가

조용함을 즐기기엔 내 몸이 너무 무거워진 그 때

멀리서 들려오는

어린 아기의 울음소리

 

울음소리가 줄어들며

들리는 나즈막한 여인의 노래소리

자장 자장 우리아기

자장 자장 우리아기

 

이내 울음소리도

노래소리도 사라지고

다시 찾아온 조용한 시간

 

멀리서 찾아오는 희미한 기억

내 어머니의 따스한 온기

 

어느새 가벼워진 마음으로

멀리 보이는 따스한 불빛을 보며

오늘도 잠이 든다

 

 

  

Posted by THOMAS K
무언가2015. 5. 12. 19:26




지난해 1조1천억원의 영업수익 적자를 기록한 자동차보험 제도 개선에 대한 논의가 본격화됩니다.

보험연구원은 12일 국회 세미나실에서 ‘자동차보험료 증가 억제를 위한 보상제도 개선방안’이란 주제로 정책세미나를 열고 자동차손해배상보장법과 자동차보험 대물배상 약관 개정 등을 촉구했습니다.

보험연구원은 국내 자동차보험 산업의 만성적인 영업수지 적자 문제를 해소하기 위해서는 손해율을 반영한 보험료 조정과 보험금 누수(모럴해저드성 보상)를 방지하기 위한 제도 개선이 시급하다고 지적했습니다.

보험연구원은 특히 대물배상 제도에서 모럴해저드를 유발할 수 있는  요소들을 제거하는 데, 정책의 초점이 맞춰져야 한다고 주장했습니다.

기승도 보험연구원 박사는 “자동차손해배상보장법을 개정해 보험금청구권을 정비업자에게 위임하는 제도를 도입하고 정비요금고시제 실시, 자동차 정비수가 분쟁위원회 설치 등을 통해 대물배상 제도를 대인배상 수준으로 격상할 필요가 있다”고 말했습니다.


보험금청구권을 정비업자에게 위임하면 피해자(또는 정비업자)의 불필요한 수리(사고처리 중 모럴해저드 발생)를 방지할 수 있고 정비요금고시제를 도입하면 기술적으로 명확한 작업시간을 고시함으로써 이해당사자 간 분쟁을 최소화하는데 기여할 것이라는 주장입니다.

이어 이규훈 박사는 “현행 자동차보험 대물배상 약관에 따르면 렌트비, 추정수리비, 견인비 등을 보상원리에 부합되게 운영할 수 없기 때문에 이를 정상화할 필요가 있다”고 강조했습니다.

렌트비의 경우 동일 차종을 배기량 기준으로 해석해 대차하도록 하면 고가차로 인한 렌트비 증가 현상을 완화시킬 수 있고, 추정수리비 지급을 최소화하는 방향으로 제도를 개선하면 수리를 전제로 추정수리비를 받은 피해자가 실제 수리를 하지 않는 모럴 해저드를 방지할 수 있다는 것입니다.

이 박사는 또 “과도한 견인비나 불필요한 견인비 등 견인비 관련 문제는 소비자 불만이 가장 많이 발생하는 분야인 만큼, 대물배상 약관에 견인비 지급기준을 신설할 필요가 있다”고 덧붙였습니다.

from 한경 박병연기자


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무언가2015. 3. 4. 14:28




1. Money cannot buy happiness but somehow, it's more comfortable to cry in a Mercedes Benz than it is on a bicycle.

2. Forgive your enemy but remember the bastard's name.

3. Help a man when he is in trouble and he will remember you when he is in trouble again.

4. Many people are alive only because it's illegal to shoot them.

5. Alcohol does not solve any problem, but then neither does milk.

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무언가2015. 3. 3. 21:17





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