20.500.12556/DKUM-98458 Gospodarska rast, podnebne spremembe in vloga zavarovalništva Economic growth, climate change and the role of insurance Magistrsko delo obravnava povezavo med gospodarsko rastjo, okoljskimi spremembami in razvitostjo zavarovalniškega sektorja, pri čemer so emisije toplogrednih plinov uporabljene kot kazalnik okoljskih pritiskov. Obravnavana tematika izhaja iz aktualnosti podnebnih sprememb kot enega ključnih globalnih izzivov, ki pomembno vplivajo na gospodarske sisteme in dolgoročne razvojne možnosti držav. Analiza temelji na preučevanju odnosov med izbranimi makroekonomskimi in zavarovalniškimi kazalniki ter emisijami toplogrednih plinov. Poseben poudarek je namenjen nelinearni povezavi med gospodarsko rastjo in okoljskimi pritiski v okviru Kuznetsove okoljske krivulje. Rezultati kažejo, da obstaja nelinearna povezava med gospodarsko rastjo in emisijami toplogrednih plinov, kar pomeni, da se emisije v zgodnjih fazah razvoja povečujejo, pozneje pa začnejo upadati. Vloga zavarovalniškega sektorja se kaže kot zapletena, saj je obseg zavarovalnih premij statistično značilno povezan z emisijami, medtem ko zavarovalna penetracija ne kaže značilnega vpliva. Poleg tega imajo pomembno vlogo pri zmanjševanju emisij vlaganja v raziskave in razvoj. Ugotovitve nakazujejo, da zmanjševanje okoljskih pritiskov ni samodejna posledica gospodarske rasti, temveč je odvisno od strukturnih sprememb, tehnološkega napredka in ustreznih institucionalnih okvirov. Magistrsko delo prispeva k boljšemu razumevanju vloge zavarovalniškega sektorja kot posrednega dejavnika v povezavi med gospodarstvom in okoljem. This master's thesis examines the relationship between economic growth, environmental changes, and development of the insurance sector, using greenhouse gas emissions as an indicator of environmental pressures. The topic is motivated by the growing relevance of climate change as one of the key global challenges significantly affecting economic system and the long-term development prospects of countries. The analysis focuses on the relationship between selected macroeconomic and insurance-related indicators and greenhouse gas emissions. Attention is given to the non-linear relationship between economic growth and environmental pressures within the framework of the Environmental Kuznets Curve. The results indicate the existence of a non-linear relationship between economic growth and greenhouse gas emissions, suggesting that emissions increase in the early stages of development and begin to decline at higher levels of economic growth. The role of the insurance sector proves to be complex, as total insurance premiums are statistically significantly associated with emissions, while insurance penetration does not exhibit a significant effect. In addition, investment in research and development emerges as an important factor in reducing emissions. The findings suggest that the reduction of environmental pressure is not an automatic consequence of economic growth, but deepends on structural changes, technological progress, and appropriate institutional frameworks. The thesis provides a better understanding of the insurance sector as an indirect factor in the relationship between economy and the environment. emisije toplogrednih plinov gospodarska rast zavarovalniški sektor trajnostni razvoj Kuznetsova okoljska krivulja panelna analiza. greenhouse gas emissions economic growth insurance sector sustainable development Environmental Kuznets Curve panel data analysis. true true false A. Babič] Slovenski jezik Angleški jezik Magistrsko delo/naloga 2026-06-14 13:20:16 2026-08-27 08:39:23 2026-08-28 03:14:11 0000-00-00 00:00:00 2026 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 330.34:502.1 289051907 MAG_Babic_Anja_2026.pdf MAG_Babic_Anja_2026.pdf 1 93669247F333CF1C6FCDC55363551AD9 78ecd154b0df0f79fb14b911ba3b4953fcad9a10946946417649a120fef8abeb 07924cbd-756f-11f1-9647-00155d580e34 https://dk.um.si/Dokument.php?lang=slv&id=207806 Ekonomsko-poslovna fakulteta 0 0 0