Mogućnosti razvoja životnog osiguranja u kontekstu smanjivanja socijalnih nejednakosti

master's thesis

• Title (english): Opportunities for the development of life insurance in the context of reducing social inequalities
• Author: Magdalena Drinovac
• Mentor: Maja Mihelja Žaja (mentor); MBZ: 295693
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2021-07-06, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Iako je Hrvatska, u financijskom pogledu, odnosno u pogledu razvoja financijskog tržišta dosta u zaostatku u usporedbi sa zemljama članicama EU i dalje tu postoji i potencijal i potreba za životnim osiguranjima. Tržište životnog osiguranja uvelike varira od zemlje do zemlje. Te razlike najuočljivije su između razvijenih i nerazvijenih zemalja, tj. zemalja u razvoju. Samim time, ni tržište nije razvijeno nego se tek razvija. Iako je ta razlika danas dosta velika i uočljiva, smatra se kako bi se ona tijekom vremena mogla smanjiti, te kako bi tržišta koja se trenutno razvijaju mogla biti u korak s tržištima zapadne Europe. Posljednjih je godina problem socijalne nejednakosti važna tema u EU. Gospodarska kriza snažno je utjecala na Europu, preokrenula je dugoročne trendove konvergencije životnog standarda i znatno opteretila sustave socijalne zaštite. Samim time nejednakost se povećala u gotovo svim zemljama članicama i izazvana je zabrinutost u pogledu održivosti rasta i socijalne kohezije. Dvije ključne dimenzije nejednakosti odnose se na dohodovnu nejednakost i nejednake mogućnosti. Sprječavanje i rješavanje problema nejednakosti u velikoj mjeri ovisi o djelovanju i reformama država članica. Liberalizacija i deregulacija smanjile su nejednakosti među zemljama, ali su rezultirali nejednakom distribucijom unutar zemalja. Veliku ulogu u smanjivanju socijalne nejednakosti predstavlja privatno osiguranje. Naime, njegova prednost očituje se u mogućnosti ponude personaliziranih polica osiguranja za svakog pojedinca te lakšoj prilagodbi istima.

Abstract (english)

Although Croatia, in financial terms, in terms of financial market development, lags far behind compared to EU member states, there is still potential and need for life insurance. The life insurance market varies greatly from country to country. These differences are most noticeable between developed and underdeveloped countries and developing countries. Therefore, the market is not developed either, it is still developing. Although this difference is quite large and noticeable today, it is believed that it could be reduced over time, and that emerging markets could keep pace with Western European markets. In recent years, the problem of social inequality has been an important topic in the EU. The economic crisis has strongly affected Europe, reversed long-term trends in the convergence of living standards and significantly burdened social protection systems. As a result, inequality has increased in almost all Member States and concerns have been raised about sustainable growth and social cohesion. Two key dimensions of inequality relate to income inequality and unequal opportunities. Preventing and tackling inequalities depends to a large extent on the action and reforms of the Member States. Liberalization and deregulation have reduced inequalities among countries, but have resulted in unequal distribution within countries. Private insurance plays a major role in reducing social inequality. Namely, its advantage is manifested in the possibility of offering personalized insurance policies for each individual and easier adjustment to them.

• Keywords: životno osiguranje; socijalna nejednakost; društava za osiguranje; ublažavanje socijalnih nejednakosti; odrednice životnog osiguranja; važnost privatnog osiguranja
• Keywords (english): life insurance; social inequality; life insurance companies; mitgating social inequalities; determinants of life insurance; importance of private insurance
• Language: croatian
• URN:NBN: urn:nbn:hr:148:086059
• Study programme: Title: 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 authenticated users
• Created on: 2021-07-08 07:29:08