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Osiguranje (i reosiguranje) u globalizaciji

Author

Listed:
  • Mile Bijelic

    (Zagreb)

  • Miletic Vladimir

    (Zagreb)

Abstract

Osiguranje je vec u svojim prvim pocetcima imalo globalni karakter. Osiguranje bazirano na modernim znanstvenim pricipima pocinje prije gotovo 300 godina osinvanjem i pocetkom rada Lloyd's Lonodn. Osiguranje (i reosiguranje) kao financijska djelatnost zauzima vrlo znacajno mjesto u ekonomiji svake države. Svaka država nužno treba imati REZERVNI FOND iz koga ce podmirivati nastale štete. Sastavni dio toga fonda je i FOND OSIGURANJA. Što je razvijenije osiguranje to je veci fond osiguranja, a rezervni fond na nivou države u normalnim kretanjima šteta mogao bi biti manji. Zato bi svaka dobro organizirana država trebala putem mjera ekonomske politike stimulirati brigu pojedinca(pravnih i fizickih subjekata) da na osiguratelje prenesu rizike koje ne mogu sami pokrivati. Danse se privredne i svake druge aktivnosti ne mogu zamisliti bez osiguranja(i reosiguranja). Ono je potpuno globalizirano i dio je svjetskog tržišta jer se bez osiguranja ne može zamisliti svjetska trgovina, domaci i mecunarodni promet, razna putovanja turista i niz drugih aktivnosti,a bez reosiguranja ne bi se moglo vršiti preuzimanje u osiguranje velikog broja rizika koji prelaze kapacitete osiguratelja i zemlje, vec se mogu izravnati jedino na svjetskom tržištu reosiguranja. Osiguranje pored funkcije EKONOMSKE ZAŠTITE ugovoratelja osiguranja, odnosno osiguranika, ima uvijek(indirektno i direktno) SOCIJALNU FUNKCIJU jer državu cine gracani koji u njoj žive.

Suggested Citation

  • Mile Bijelic & Miletic Vladimir, 2009. "Osiguranje (i reosiguranje) u globalizaciji," Ekonomija Economics, Rifin d.o.o., vol. 16(2), pages 311-335.
    • Handle: RePEc:eff:ekoeco:v:16:y:2009:i:2:p:311-335
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    Keywords

    vlastiti samopridržaj- prioritet plasman viškova rizika; reosiguranje; atomizacija rizika; limit ugovora o reosiguranju; rezervni fond-fond osiguranja;
    All these keywords.

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System

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