Usporedba utjecaja svjetske financijske krize 2009. godine i pandemije na tržište osiguranja

master's thesis

• Title (english): Comparison of the impact of the world financial crisis of 2009 and the pandemic on the insurance market
• Author: Dorotea Glavak
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2022-09-26, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Predmet rada je analiza učinaka globalne financijske krize 2008. godine kao i pandemije na
tržište osiguranja u Republici Hrvatskoj i svijetu. Cilj rada je prikazati i usporediti utjecaj
dvije različite krize i njezine negativne ekonomske učinke na poslovanje društva za
osiguranje kao i njihovu reakciju i odgovor u kriznim vremenima. Za izradu rada korišteni
su sekundarni izvori podataka kao što su knjige, prospekti te stručni i znanstveni članci i
radovi. Koriste se i izvješća koja su dostupna na internetskim stranicama kako bi se mogla
provesti željena komparativna analiza. Analiza osiguravajućih društava ukazuje na slabiji
učinak financijske krize i koronakrize na njihovo poslovanja u odnosu na ostatak
financijskog sektora. Društva za osiguranje na financijsku krizu odgovorila su kontrolom i
smanjenjem troškova poslovanja. No, utjecaju pandemije pristupilo se ozbiljnije te su
detaljnije analizirani mogući rizici i predstavljena rješenja suzbijanja rizika, gdje se u prvi
plan stavljaju javno-privatna partnerstva. Razlog tome svakako je priroda krize izazvane
pandemijom, koja se značajan razlikuje od financijske krize 2008. godine.

Abstract (english)

The subject of this paper is the analysis of the effects of the global financial crisis in 2008
as well as the pandemic on the insurance market in the Republic of Croatia and the world.
The aim of this paper is to present and compare the impact of two different crises and its
negative economic effects on the operations of insurance companies as well as their
reaction and response in times of crisis. Secondary data sources such as books, brochures,
and professional and scientific articles and papers were used to prepare the paper. The
reports available on the website are also used in order to carry out the desired comparative
analysis. The analysis of insurance companies indicates a weaker effect of the financial
crisis and corona crisis on their operations compared to the rest of the financial sector.
Insurance companies have responded to the financial crisis by controlling and reducing
operating costs. However, the impact of the pandemic has been taken more seriously, and
possible risks have been analyzed in more detail, and risk management solutions have been
presented, with public-private partnerships coming to the fore. The reason for this is
certainly the nature of the crisis caused by the pandemic, which differs significantly from
the financial crisis in 2008.

• Keywords: društva za osiguranje; financijska kriza; COVID-19; rizik; poslovanje; javno-privatna partnerstva
• Keywords (english): insurance companies; financial crisis; COVID-19; risk; business; public-private partnerships
• Language: croatian
• URN:NBN: urn:nbn:hr:148:289805
• 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: 2022-09-27 14:10:36