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.            ,        .             ,    ,          .                  .               , IT        .ABSTRACTPersonal information is a requisite for financial transactions as well as a core asset of financial companies. However, as a side effect of the information society, personal infor-mation infringements have emerged as significant social risks, causing realized loss to individuals and companies. This study analyzes results of financial and emotional loss in terms of consumer loss and also presents usefulness of insurance in order to minimize such actual damages as a means of risk transfer. In addition, this study investigates components and premium calculation principles of compensation insurance against personal information invasion and finally presents policies to activate these insurance product. As a method of risk management, insurance not only is a useful tool to guarantee consumer protection and companies’ financial soundness simultaneously but also provides a basis of quantitative measurement of IT risks.

Composition and Policy Direction of Compensation Insurance Against Customer Information Infringements in Financial Transactions