BANČNO ZAVAROVALNIŠTVO V SVETU IN PRI NAS

Novak, Roman

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Title:	BANČNO ZAVAROVALNIŠTVO V SVETU IN PRI NAS
Authors:	ID Novak, Roman (Author) ID Jagrič, Timotej (Mentor) More about this mentor...
Files:	MAG_Novak_Roman_2012.pdf (1,12 MB) MD5: B9717AC284C05B747854B3F62CEA4A5B PID: 20.500.12556/dkum/1cbc7169-9710-47d4-a066-c78092360ea3
Language:	Slovenian
Work type:	Master's thesis/paper
Organization:	EPF - Faculty of Business and Economics
Abstract:	Težnje po povezovanju finančnih institucij so v zadnjih letih v svetovnem, kot tudi v evropskem merilu v porastu. Povezovanje bank in zavarovalnic je vodilo do razvoja nove panoge, tj. bančnega zavarovalništva, ki predstavlja eno najpomembnejših bančnih strategij evropskih in svetovnih bank v zadnjem desetletju. Temeljni cilj magistrskega dela je prikazati vlogo bančnega zavarovalništva z vidika finančnih inštitucij, tj. bank in zavarovalnic. Najbolj pogosta definicija bančnega zavarovalništva je trženje bančnih in zavarovalniških produktov ali njihovih kombinacij prek skupnih tržnih poti. Pri povezovanju bank in zavarovalnic je možnih več oblik, vsaka od njih pa prinaša določene prednosti oziroma slabosti povezovanja. V Sloveniji prevladujejo predvsem dogovori o distribuciji med bankami in zavarovalnicami. Na razvoj bančnega zavarovalništva imajo vpliv številne ekonomske, politične, zakonodajne in tehnološke spremembe. Bančno zavarovalništvo omogoča bankam in zavarovalnicam koncentracijo njihovega znanja in povečanje njihovih zmožnosti ter možnost oblikovanja celotne ponudbe finančnih storitev na enem mestu. V aplikativnem delu smo prikazali kakšna je realna slika zainteresiranosti bančnih komitentov za sklepanje zavarovalniških poslov na bančnih okencih. Proučili smo kakšno je javno mnenje o primernosti bank za izvajanje tovrstnih poslov, usposobljenosti bančnih uslužbencev, skratka primernosti bančnih ustanov za izvajanje zavarovalniških poslov. Rezultate smo pridobili s pomočjo anketnega vprašalnika. Za bolj jasno izražanje ravni strinjanja z odgovori pa smo uporabili petstopenjsko Likertovo lestvico. Na podlagi lastnih opazovanj in predpostavk smo oblikovali hipoteze, katere smo kasneje s pomočjo matematično statističnih metod, in sicer računalniškega programa SPSS potrdili, bodisi delno sprejeli ali zavrgli.
Keywords:	Bančništvo, zavarovalništvo, bančno zavarovalništvo, bančno zavarovalni produkti, povezovanje, oblike povezovanja, analiza povezovanja, model povezovanja, raziskava uporabnikov zavarovalniških produktov.
Place of publishing:	Maribor
Publisher:	[R. Novak]
Year of publishing:	2012
PID:	20.500.12556/DKUM-21831
UDC:	336.71
COBISS.SI-ID:	10969628
NUK URN:	URN:SI:UM:DK:DMSLPFTD
Publication date in DKUM:	27.02.2012
Views:	2864
Downloads:	376
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	BANK ASSURANCE IN THE WORLD AND IN SLOVENIA
Abstract:	Tendency of the financial institutions to tie up has increased in the last years. The tie-ups have lead to a new branch, the so called bancassurance, which has become the leading strategy of European and banks worldwide in the last decade. Basic goal of master`s thesis is to demonstrate the role bancussurance with an aspect of financial institutions, i.e. bank and insurance. The most frequent definition of bancassurance is the marketing of banking and insurance products and services through a common distribution channels to the same client base. There are different ways of entering in bancassurance and each way has its own benefits and weaknesses. In Slovenia dominated especially distribution arrangements between banking and insurances. Many economical, political, legislative and technological changes have a great impact on evolution of bancassurance. Bancassurance allows banking and insurances to concentrate their knowledge, increase their ability and the possibility of creating a full range of financial services in one place. In Slovenia, bancassurance started developing in 2002, with the entrance of several banks to the bancassurance market. The most common form of tie-up is connecting through a distribution channel. Slovenia is behind other countries in this area, which is mainly the result of effectively distributed network of sales channels and extensive database as well as fulfillment of the customers' needs, favorable tax treatment, managing business risks and effective information system. But the single offer product is self doesn’t give an assurance to success of linking the bank and insurance company. Important role namely acts the choice of the right model of linking.
Keywords:	Banking, insurance, bancassurance, bank insurance products, linking, ways of entering, analysis of entering, model of entering, user survey bank insurance products.

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