Suchergebnisse

Katastrofalni događaji prouzrokovani prirodnim nepogodama i lјudskim delovanjem predstavlјaju jedinstven izazov za osiguravače, jer otežavaju procenu očekivanih odštetnih zahteva te mogu izazvati poremećaj na tržištu osiguranja i nametnuti značajne troškove za vladu, privredu i pojedince. Nestašica dostupnog pokrića ovih rizika na tržištu, usled nesposobnosti ili nespremnosti osiguravača da osiguraju katastrofalne događaje, može značajno ometati ekonomski oporavak i razvoj zemlјe. Iz tog razloga osiguravači su potražili alternativne načine upravlјanja rizikom ovih ekstremnih gubitaka, a jedan od njih, transfer rizika osiguranja na finansijska tržišta, predstavlјa predmet ovog rada. Cilј ovog rada je da prikaže prednosti i nedostatke instrumenata putem kojih se vrši transfer rizika osiguranja na finansijska tržišta, kao i da ukaže na zakonske i druge pretpostavke koje su neophodne za funkcionisanje i razvoj ovog tržišta. ; Catastrophic events caused by natural disasters and human activities pose a unique challenge for insurers, because they make it difficult to estimate expected claims and can cause disruption to the insurance market and impose significant costs on government, businesses and individuals. The lack of available coverage of these risks in the market, due to the insolvency or unwillingness of insurers to ensure catastrophic events, can significantly impede the economic recovery and development of the country. For this reason insurers have sought alternative ways of covering these extreme losses, and one of them, a transfer of the risk of insurance to the capital markets represents the main subject of this research. The aim of this maneuver is to present the advantages and disadvantages of the instruments through which the transfer of insurance risk to financial markets is carried out, as well as to indicate the legal and other assumptions necessary for the functioning and development of this market.