Uzajamno osiguranje kao smjer razvoja životnih osiguranja

master's thesis

• Title (english): Mutual insurance as a way of life insurance development
• Author: Lorena Milojević
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Jakša Krišto (član povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-07-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Predmet ovog rada je prikaz karakteristika i razvoja uzajamnih osiguranja, odnosno uzajamnih društava za osiguranje sa ciljem naglašavanja razlike između uzajamnih i dioničkih društava za osiguranje metodom komparacije. Jedna od najvećih razlika leži upravo u svrsi njihova poslovanja, pa tako društva za uzajamno osiguranje imaju za cilj ostvariti zajedničke interese svih svojih članova-vlasnika, dok je primarni cilj dioničkih društava za osiguranje ostvariti i maksimizirati profit u korist dioničara. Osim navedenog, analizom statističkih baza podataka i publikacija, radom se daje uvid u trenutnu razvijenost europskog tržišta uzajamnog osiguranja, a istovremeno se ističu prednosti društava za uzajamno osiguranje koje mogu doprinjeti razvoju uzajamnih životnih osiguranja, ali i nedostaci koji usporavaju njihov rast, od kojih se najviše ističe ograničen pristup kapitalu. Neki od čimbenika koji utječu na razvoj životnih osiguranja su trend demografskog starenja stanovništva, digitalizacija poslovanja društava te financijska pismenost i povjerenje građana u institucije i društva. Anketno istraživanje pokazalo je zadovoljavajuću razinu svjesnosti ispitanika o važnosti dodatnog ulaganja i štednje za starost obzirom na neodrživost trenutnog mirovinskog sustava zbog trenda demografskog starenja, no isti ispitanici ipak ne pokazuju dovoljan interes za ulaganje u životno osiguranje. Također, anketno istraživanje je pokazalo kako je visina premije čimbenik koji značajno utječe na odluku pri odabiru osiguratelja kod većine ispitanika, a obzirom na činjenicu da uzajamna osiguranja obično nude niže premije ili raspoređuju ostvarenu dobit osiguranicima, takav rezultat može ukazati na mogućnost razvoja uzajamnih životnih osiguranja. Prilikom pisanja rada primjenjena je metoda logičkog zaključivanja, komparacije i grafičkog prikaza podataka te deskriptivna metoda, a u istraživanju koje je provedeno anketnim upitnikom primjenjena je kvalitativna metodologija analize rezultata u kombinaciji s jednostavnim kvantitaivnim pokazateljima.

Abstract (english)

The subject of this thesis is the representation of the characteristics and development of mutual insurance companies, with the aim of emphasizing the difference between mutual and stock insurance companies by the method of comparison. One of the biggest differences lies precisely in the purpose of their business, therefore mutual insurance companies, that are owned by it's members, aim to achieve the common interests of all their member-owners, while the primary goal of stock insurance companies is to achieve and maximize profits for the benefit of shareholders. In addition to the above, by analyzing statistical databases and publications, the thesis provides insight into the current development of the European mutual insurance market, and at the same time highlights the advantages of mutual insurance companies that can contribute to the development of mutual life insurance, but also shows the disadvantages that slow down their growth, of which the most noteworthy is the limited access to capital. Some of the factors influencing the development of life insurance are the trend of demographic aging of the population, digitalization of companies' operations, and financial literacy and citizens' trust in institutions and companies. The survey showed that respondents are aware of the importance of additional investment and savings for retirement, considering the unsustainability of the current pension system due to the trend of demographic aging, but the same respondents still do not show sufficient interest in investing in life insurance. Also, the survey research has shown that the insurance premium price is a factor that significantly influences the decision of the majority of respondents when choosing an insurer. Considering the fact that mutual insurance companies usually offer lower premiums or distribute the realized profit to the insured, and not the shareholders, such a result may indicate the possibility of developing mutual life insurance. Methods applied in this thesis are the method of logical reasoning, the descriptive method, the comparison method and graphical display of data. The methodology used in analysing the results of the research conducted with a survey questionnaire was the qualitative methodology in combination with simple quantitative indicators.

• Keywords: uzajamno osiguranje; životno osiguranje; europsko tržište osiguranja; štednja za starost
• Keywords (english): mutual insurance; life insurance; Europian insurance market; saving for retirement
• Language: croatian
• URN:NBN: urn:nbn:hr:148:491000
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2023-07-14 16:26:09