Novi proizvodi na tržištu osiguranja kao deo institucionalnog mehanizma zaštite od finansijskih posledica katastrofalnih vremenskih događaja
Докторанд
Radovanović, Sanja V.Ментор
Petrović, EvicaЧланови комисије
Marinković, SrđanKočević, Jelena
Метаподаци
Приказ свих података о дисертацијиСажетак
Natural disasters are rare events resulting in major losses, where data on the losses
incurred in the past cannot be used as reliable indicators of future losses. They
usually result in severe damage, which can represent a significant financial risk
including the occurrence of insolvency in cases where the policy is not sufficient
to cover the damage caused, or has not been defined properly. In the past two decades there has been a number of disastrous weather events whose frequency and intensity of detrimental consequences have been the key motivational factors for an accelerated implementation of innovative solutions for weather risk
transfer. Natural disasters cost the insurance industry approximately $ 330 billion at the global level in 2018. The gap between the total economic and insured losses
in the amount of $ 200 billion is the best evidence of the exposure of general
population and economic entities to disastrous events. According to an estimate, the greatest damage in the fu...ture is likely to be caused by catastrophic weather events, floods in particular, especially as they did not get adequate attention by the entire insurance industry in the previous period and therefore the risk was underestimated. Developed countries are able to generate their own resources
over a relatively short period of time in order to reduce the financial consequences of catastrophic weather events. Most developing countries are undergoing rapid
urbanization, which is not accompanied by the development and application of
an effective risk management strategy. Therefore catastrophic weather events
have a more intensified destructive impact on the economies of less developed
countries, as is the case in Serbia. The proactive approach and the use of new products in the insurance market are consequently important prerequisites for an effective weather risk management policy.