Etični kodeksi zavarovalnic

delo diplomskega projekta

Urška Perkovič (Author), Zlatko Nedelko (Mentor)

Abstract

V diplomski nalogi smo na začetku opredelili etiko in moralo, pri čemer smo za oboje opredelili sam izvor besede in njen pomen ter predstavili teoretične osnove navedenih pojmov. Etika se ukvarja s preučevanjem in razlago pojmov, kot so: kaj je prav ali kaj je narobe, dobro ali slabo, moralno ali nemoralno in podobno, medtem ko je morala skupek norm in določenih pravil. Analizo etike smo nadaljevali v okviru poslovne etike, pri čemer smo navedli tudi primere etičnih dilem, ki se pojavljajo pri udeležencih poslovne etike in nekaj razlogov, ki privedejo do teh dilem. Udeležence smo razčlenili na delničarje, zaposlene, odjemalce, dobavitelje, konkurenco in družbeno oziroma socialno okolje. Opredelili smo tudi poslovno moralo in prikazali povezavo med etiko in moralo. Etika in morala sta povezani z etičnimi kodeksi, ki imajo v današnjem času vedno večji pomen tako za samo organizacijo kot tudi za njene udeležence ter predstavljajo pomemben instrument za zagotavljanje etičnosti delovanja organizacije in njenih zaposlenih. Zato smo se osredotočili na etične kodekse. V tem okviru smo preučili izhodišča za sam razvoj etičnih kodeksov. Opredelili smo izvor besede »kodeks« in njen pomen. Poiskali smo vzroke za porast etičnih kodeksov in navedli koristi, ki jih organizacijam prinašajo primerno zapisani in vzpostavljeni etični kodeksi. Etične kodekse smo opredelili tudi glede na štiri temeljne tipe kodeksov, in sicer etični kodeksi organizacij, etični kodeksi poklicnih združenj, etični kodeksi posameznih industrij in etični kodeksi skupin ali programov. Teoretično smo opisali samo vsebino etičnih kodeksov in druge postavke, povezane z raziskovanjem etičnih kodeksov. Naredili smo primerjavo etičnih kodeksov izbranih zavarovalnic, pri čemer smo zavarovalnici Sava in Triglav analizirali kot zavarovalnici v domači lasti, zavarovalnici Generali in ERGO pa kot zavarovalnici s tujim lastništvom. V aplikativnem delu diplomske naloge smo najprej povzeli etične kodekse posameznih zavarovalnic, kasneje pa smo primerjali njihove vsebinske postavke in samo vsebino kodeksov. Prišli smo do ugotovitev in potrditve zastavljenih hipotez, da so vsebinske postavke oziroma da je vsebina etičnih kodeksov zavarovalnic podobna. Bistvenih razlik v vsebini etičnih kodeksov glede na domače (slovensko) ali tuje lastništvo ni. Podali smo predloge za dopolnitve izbranih etičnih kodeksov, pri čemer so izhodišča za predloge izvirala iz treh virov dopolnitev. Ti viri so ugotovljen manko vsebine, pri čemer smo primerjali vsebino vseh štirih obravnavanih etičnih kodeksov, drugi vir dopolnitve so lastni predlogi za izboljšanje vsebine etičnih kodeksov, torej kaj bi se nam zdelo smiselno dodati, zadnji vir dopolnitve pa so aktualni problemi, ki bi jih bilo smiselno vključiti v vsebino etičnih kodeksov.

Keywords

etika;poslovna etika;morala;poslovna morala;etični kodeks;zavarovalnice;

Data

Language:	Slovenian
Year of publishing:	2018
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[U. Perkovič]
UDC:	174:368
COBISS:	13134876
Views:	993
Downloads:	161
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Code of ethics of insurance companies
Secondary abstract:	In this diploma thesis, we first defined ethics and morality. For both of which we have defined the very source of the words and their meaning, and presented the theoretical basics of these terms. Ethics deals with the study and interpretation of terms such as what is right or what wrong, good or bad, moral or immoral, et cetera, while morality is a set of norms and certain rules. We continued the study of ethics in the framework of business ethics, and we also mentioned examples of ethical dilemmas that arise in business ethics participants and some of the reasons leading to these dilemmas. Participants were divided into shareholders, employees, customers, suppliers, competition and the societal or social environment. We also defined business morality and presented the connection between ethics and morality. Ethics and morality are connected to ethical codes, which are nowadays increasingly more important for an organisation, as well as for its participants. They are an important instrument in making sure the organisation and its participants work ethically, and that is why we focused on ethical codes. We examined the starting points for the actual development of ethical codes themselves. We defined the origin of the word “code” and its meaning. We found the causes for the increase in the usage of ethical codes. We list the benefits that ethical codes have for the organizations when they are properly written and established. We also defined ethical codes in terms of the four basic types of codes: ethical codes of organisations, ethical codes of professional associations, ethical codes of individual industries and ethical codes of programs or groups. We have described the content of ethical codes and other items related to researching ethical codes. We made a comparison of the ethical codes of selected insurance companies, whereby we analysed Sava and Triglav, as domestic-owned insurance companies, and Generali and ERGO, as insurance companies with foreign ownership. In the applicative part of the thesis, we first summarized the ethical codes of individual insurance companies, and later we compared their content items and the codes’ content itself. We concluded and confirmed the hypotheses which claim that the content items or content of companies are similar in different insurance companies. There are no significant differences in the content of ethical codes, based on whether the companies have domestic (Slovenian) or foreign ownership. We provided suggestions for supplementing selected ethical codes, where the starting points for the proposals originated from three sources of supplementation. These sources have proven to be a shortage of content, in the process where we compared the contents of all four ethical codes; the second source of amendment are our own proposals for the improvement of the content of the ethical codes, therefore what we would consider worthwhile to add, while the latest source of updates is the current problem that would be beneficial to the content of the ethical codes.
Secondary keywords:	ethical code;ethics;business ethics;morality;business morality;insurance companies;
URN:	URN:SI:UM:
Type (COBISS):	Diploma project paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	35 str.
ID:	10937238