Vloga zavarovalnic pri zagotavljanju finančne varnosti

magistrsko delo

Urška Petrič (Avtor), Branko Lobnikar (Mentor), Miha Dvojmoč (Komentor)

Povzetek

Zavarovalnica je gospodarska institucija, ki nudi storitveno dejavnost, in to je zavarovanje varnosti. Pri svojem poslovanju pa je podrejena številnim zakonom in odvisna od številnih dejavnikov. Zavarovalnica ima tudi poleg svoje socialne, ekonomske in gospodarske funkcije tudi represivno in preventivno funkcijo v družbi, s katero lahko vpliva na zavarovance in nekatere škodne dogodke, vendar ne v celoti. Sprejem stranke v zavarovanje oziroma prevzem rizika zavarovalnice, razvoj zavarovalnih produktov in oblikovanje cen le-teh ji naj ne bi predstavljali problema ogrožanja njene lastne varnosti, ker nanje lahko vpliva sama, skladno s svojo politiko poslovanja. Oblikovanje zavarovalno-tehničnih rezervacij in kapitala zavarovalnice je pogojeno in določeno z zakonom, kar pomeni, da jih je zavarovalnica dolžna ustvariti in upravljati, z namenom, da pokrije prihodnje obveznosti iz svojih zavarovanj. Spremembe v škodnem dogajanju in spremembe v obnašanju zavarovancev pa so širši in kompleksnejši pojav ter od zavarovalnic neposredno neodvisen pojav. Predvsem zavarovalniške goljufije in razne oblike prevar ter oškodovanj zavarovalnic, tako internih kot eksternih, so v zadnjem času postale izrazit in naraščajoč problem zavarovalnic. Pri teh pojavih se zavarovalnice večkrat poslužujejo pomoči detektivov in raznih zasebno-varnostnih strokovnjakov. Vloga zavarovalnice pa je pomembna tudi na področju preprečevanja pranja denarja in financiranja terorizma, saj mora zavarovalnica kot finančna institucija prežati na nevarnost možnosti tega kaznivega dejanja. Čeprav se na prvi pogled zdi, da je to samo problem zavarovalnic, pa se je treba zavedati, da na koncu izpad oziroma negativno poslovanje zavarovalnic krijemo vsi zavarovanci. Ne nazadnje pa je tudi zavarovalniška goljufija kaznivo dejanje in tega bi se morala zavedati tudi širša družba, saj se proti temu pojavu intenzivno bojujejo le zavarovalnice.

Ključne besede

zavarovalništvo;zavarovalnice;finančna varnost;zavarovalniške goljufije;preprečevanje;preiskovanje;magistrska dela;

Podatki

Jezik:	Slovenski jezik
Leto izida:	2014
Tipologija:	2.09 - Magistrsko delo
Organizacija:	UM FVV - Fakulteta za varnostne vede
Založnik:	U. Petrič]
UDK:	343.3/.7:368(043.2)
COBISS:	2754538
Št. ogledov:	1532
Št. prenosov:	589
Ocena:	0 (0 glasov)
Metapodatki:

Ostali podatki

Sekundarni jezik:	Angleški jezik
Sekundarni povzetek:	Insurance company is a business institution, which offers service activities as insurance for security. In its operations, it is subordinated to numerous laws and depends on many factors. The insurance company has also in addition to their social, economic and business functions, also repressive and preventive function in our society, which may affect her insured persons and some loss events, but not entirely. Adoption of the parties to the insurance or risk underwriting, insurance product development and forming its prices, it should not represent a problem with jeopardizing its own security, because they may be affected by themselves, in accordance with its business policy. Establishment of insurance-technical provisions and insurance capital is a subject required by law, which means that the insurance company is obliged to create and manage them, in order to cover future obligations under its insurance policies. Changes in loss development and changes in the behaviour of the insured persons are a wide and complex phenomenon, and from insurance companies an independent occurrence. Particularly, insurance frauds and various forms of frauds and its damage for insurance companies, both internal and external, have recently become prominent and growing problem of insurance companies. In these events, the insurance companies are turning for help various private detectives and security experts. The role of insurance companies is also important in the prevention of money laundering and terrorist financing, because as the insurance company, as a financial institution, must pay attention to the potential risk of this offense. Although at first glance it seems that this is only a problem of insurance companies, but we must bear in our mind, that at the end, the failure or negative performance of insurance companies, is paid by the insured persons. Finally, insurance fraud is a criminal offense and this should also be aware to the wider society, because the insurance companies are now the only one who are intensively fighting against this occurrence.
URN:	URN:SI:UM:
Vrsta dela (COBISS):	Magistrsko delo/naloga
Komentar na gradivo:	Univ. v Mariboru, Fak. za varnostne vede, Ljubljana
Strani:	166 str.
ID:	8728732