VPLIV SOLVENTNOSTI II NA ZAVAROVALNIŠKI SEKTOR V EU

Inkret, Marjan

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Title:	VPLIV SOLVENTNOSTI II NA ZAVAROVALNIŠKI SEKTOR V EU
Authors:	ID Inkret, Marjan (Author) ID Jagrič, Timotej (Mentor) More about this mentor...
Files:	UNI_Inkret_Marjan_2010.pdf (975,04 KB) MD5: 97AD7285EA331B61B45DED0E6C319E48 PID: 20.500.12556/dkum/00689602-3e87-4e01-ba55-37f03369995e
Language:	Slovenian
Work type:	Final seminar paper
Organization:	EPF - Faculty of Business and Economics
Abstract:	Zavarovalništvo je pomemben člen finančnega sistema, saj nudi razne oblike zavarovanja pred določenimi tveganji. Pri svojem poslovanju zavarovalnice izrabljajo učinek diverzifikacije in vsote velikih števil, kar občutno zmanjša tveganja. Njihove naložbe, še posebej pa dolgoročne, so izrednega pomena za narodno gospodarstvo in prispevajo velik delež k velikosti BDP. Razvoj na vseh področjih je s seboj prinesel tudi nova tveganja. Star sistem Solventnosti I je tako prišel do faze zastarelosti, zato so inštitucije Evropske unije začele priprave na uvedbo posodobljenega sistema, imenovanega Solventnost II. Solventnost II temelji deloma na prejšnji uredbi poslovanja zavarovalnic, prav tako pa tudi na modernejšem pristopu, ki določa poslovanje bank (imenovanem Basel II). Še največja podobnost z bančno direktivo je struktura treh stebrov, ki skrbi za celostni pristop pri upravljanju s tveganji. Pri vpeljavi Solventnosti II se uporablja Lamfalussyjev proces, pri katerem sodelujejo evropske institucije kot so Evropska komisija, Evropski svet in Evropski parlament pri pripravah, predlogih in potrditvah. Pričakovani vplivi vpeljave Solventnosti II so večja povezanost evropskega zavarovalniškega trga, večja varnost potrošnikov, večja medsebojna konkurenca, novi in inovativni produkti, večja transparentnost poslovanja in boljši nadzor. Negativne posledice vpeljave pa bi lahko bili visoki administrativni stroški ter dajanje prednosti večjim zavarovalnicam.
Keywords:	Ključne besede: diverzifikacija, vsota velikih števil, upravljanje tveganj, zavarovalno tveganje, tržno tveganje, kreditno tveganje, likvidnostno tveganje, operativno tveganje, Solventnost I, Solventnost II, Basel II, Lamfalussyjev proces, Evropska komisija, Odbor evropskih nadzornikov za zavarovanje in poklicne pokojnine - CEIOPS, Odbor za zavarovanja in poklicne pokojnine - EIOPC, zahtevani solventnostni kapital – SCR, minimalni zahtevani kapital – MCR, interni model, standardni model, pozavarovanj
Place of publishing:	Maribor
Publisher:	[M. Inkret]
Year of publishing:	2010
PID:	20.500.12556/DKUM-15479
UDC:	368
COBISS.SI-ID:	10458140
NUK URN:	URN:SI:UM:DK:CN5SKNII
Publication date in DKUM:	03.12.2010
Views:	4269
Downloads:	581
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	THE IMPACT OF SOLVENCY II ON THE EU INSURANCE SECTOR
Abstract:	Insurance is important part of the financial system by offering various forms of insurance against certain risks. Insurance companies exploit effect of the diversification and law of large numbers, which significantly reduces the risk. Their investments, especially long-term ones, are of paramount importance for national economy and highly contribute to the size of GDP. Development in all possible areas also brought new types of risks. An old system (Solvency I) soon became obsolete, so the institutions of the European Union began to prepare for the introduction of an updated system called Solvency II. Solvency II is based partially on obsolete Solvency I, as well as the on the more modern approach, which regulate bank operations (it's called Basel II). Greatest similarity with Basel II is structure of the three pillars that ensure an integrated approach to risk management. There is also used an approach so called Lamfalussy process for the implementation of Solvency II. Key role in this process in the preparations, proposals and confirmations falls to European Commission, European Council and European Parliament. The expected impacts of Solvency II are greater integration of the European insurance market, greater protection for consumers, greater competition, new and innovative products, greater transparency and better supervision. Possible negative consequences of implementation would be significant administrative costs and favoring larger insurance companies.
Keywords:	diversification, law of large numbers, risk management, underwriting risk, market risk, credit risk, liquidity risk, operational risk, Solvency I, Solvency II, Basel II, Lamfalussy process, European commission, Committee of European Insurance and Occupational Pensions Supervisors - CEIOPS, European Insurance and Occupational Pensions Committee – EIOPC, solvency capital requirement – SCR, minimum capital requirement, internal model, standard model, reinsurance.

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