20.500.12556/DKUM-22556 ZAVAROVALNIŠTVO V SLOVENIJI IN VPLIV NOVE DIREKTIVE SOLVENTNOSTI II INSURANCE INDUSTRY IN SLOVENIA AND THE IMPACT OF SOLVENCY II DIREKTIVE Zavarovalništvo je bilo že od nekdaj posebna vrsta gospodarske dejavnosti, ki se je razvilo z osnovnim ciljem ustvarjanja gospodarske varnosti. Za zavarovalnice je pomembno, da nadzorujejo prevzeta tveganja in z njimi pravilno upravljajo, saj je lahko v nasprotnem primeru ogrožena njihova solventnost, ki jo lahko opišemo kot lastni kapital zavarovalnice. Ker morajo zavarovalnice poslovati na tak način, da imajo vedno zagotovljeno likvidnost in solventnost, je pomemben nadzor nad njimi, katerega glavni cilj je zaščita interesov potrošnikov zavarovalnih storitev. Ker je bilo za trenutno veljavni režim glede solventnosti zavarovalnic ugotovljenih kar nekaj pomanjkljivosti, je bil predlagan popolnoma nov sistem urejanja solventnosti zavarovalnic in nadzora nad njimi, imenovan Solventnost II. Le-ta bo usklajen z režimom, ki je bil uveden v bančnem sektorju, imenovanem Basel II, njegov glavni cilj pa bo enak cilju dosedanjega sistema, to je varstvo zavarovancev. Insurance industry has always been a special type of economic activity, which was developed with the basic goal of creating economic security. For insurance companies it is important to control the risks they assume and manage them properly, because it may otherwise be threatened its solvency. Solvency can be described as self-insurance fund. Because insurance companies have to operate in a way that they are able to meet liquidity and solvency requirements, it is important to control them. The main objective of this control is to protect the interests of consumers of insurance services. Because the current solvency regime for insurance companies identified a number of deficiencies there has been proposed an entirely new system of insurance solvency regulation and supervision, called Solvency II. Solvency II will be coordinated with the regime, which was introduced in the banking sector, known as Basel II. Its main objective will be the same as it is in the current system, ie the protection of policyholders. zavarovalništvo solventnost nadzor zavarovalnic Solventnost II kvantitativne zahteve minimalna kapitalska zahteva (MCR) solventnostna kapitalska zahteva (SCR) nadzorni proces tržna razkritja kvantitativne študije vpliva (QIS) insurance industry solvency insurance supervision Solvency II quantitative requirements minimum capital requirement (MCR) solvency capital requirement (SCR) supervisory process market disclosures quantitative impact studies (QIS) true true false [M. Čerpnjak] Slovenski jezik Angleški jezik Magistrsko delo/naloga 2012-04-03 11:45:58 2012-05-25 11:09:19 2022-04-14 11:54:33 2023-12-30 03:26:31 2012 0 Lipovci 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 368 11080476 URN:SI:UM:DK:DOGVGBDQ MAG_Cerpnjak_Mojca_2012.pdf MAG_Cerpnjak_Mojca_2012.pdf 1 17B2577F5284763E47AA0AAE470AEE47 c856147a5802b96a49957bc5dc283dfb6f30ecb65160521bf19932afa2dbfc8f 85e5f6ac-7c06-11eb-bb7a-00155d0001ca 20.500.12556/dkum/9273f8da-adb0-448e-8f29-2198b0750ed7 https://dk.um.si/Dokument.php?lang=slv&id=29209 Ekonomsko-poslovna fakulteta 0 0 0