Implikacije klimatskih promena na katastrofalne štete u osiguranju

Abstract

U doktorskoj disertaciji su istraženi problemi katastrofalnih šteta, upravljanja njima u uslovima klimatskih promena i uticaja klimatskih promena na delatnost osiguranja. U cilju ispitivanja povezanosti klimatskih promena i šteta u osiguranju napravljen je regresioni model koji karakteriše tu vezu.Rezultati istraživanja ukazuju da klimatske promene imaju snažan uticaj na povećanje svih hazarda povezanih sa vremenskim prilikama, što ima negativan uticaj na raspoložive kapacitete i uspešnost poslovanja sektora osiguranja. Transfer rizika i saradnja sa javnim sektorom neophodni su u cilju održivog finasiranja posledica klimatskih promena.

In the doctoral dissertation problems of catastrophic losses, their management under climate changes and the impact of climate changes on insurance industry are explained in detail. With the aim of investigation the link between climate changes and insurance lossses we use regression model. The research results indicate that climate changes have strong impact on the increase of all hazards connected with weather conditions and that increase have negative impact on available capacities and business success of insurance industry. Risk transfer and cooperation with public sector is necessary for financing of losses of climate changes but insurance industry can play an important role in prevention of future losses.