Utjecaj Covid-19 krize na rezultat poslovanja osiguranja od automobilske odgovornosti

master's thesis

• Title (english): The influence of Covid-19 crisis on the result of the automobile liability insurance business
• Author: Anđelka Jelušić
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-09-20, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Industrija osiguranja igra važnu ulogu u gospodarstvu određene zemlje te stupanj njene razvijenosti značajno utječe na razvitak gospodarstva. U domeni zaraznih bolesti pandemija predstavlja najgori scenarij. Riječ pandemija potiče od grčke riječi pandemos koja znači „odnosi se na sve ljude“, a izvedena je iz riječi pan „svi“ i demos „narod, ljudi. Pojedini ekonomski sektori snažno su pogođeni pandemijom, dok se drugi rastu i razvijaju unatoč cjelokupnoj situaciji. Stoga se u radu daje kratki prikaz utjecaja pandemije na pojedine ekonomske veličine na nacionalnoj razini kao što su bruto domaći proizvod, broj nezaposlenih, utjecaj na izvoz i uvoz, te utjecaj na financijska tržišta i automobilsku industriju. Svrha ovog diplomskog rada je istražiti kako je pojava krize uzrokovana virusom COVID-19 utjecala na poslovanje društava za osiguranje, tj. kako se odrazila na rezultat poslovanja osiguranja uzevši u obzir utjecaj na solventnost i na tehnički rezultat osiguranja od automobilske odgovornosti. Na temelju financijskih izvještaja osiguravajućih društava, provedena je analiza podataka i ključnih pokazatelja te su doneseni zaključci o poslovanju društava u vrijeme pandemije.

Abstract (english)

The insurance industry plays a very significant role in the economy of a certain country, and the level of its development considerably affects the development of the economy. In the area of infectious diseases, a pandemic is the worst case scenario. The word pandemic originates from the Greek word pandemos, which means "applies to all people", and is derived from the words pan "everyone" and demos "people". Certain economic sectors are strongly affected by the pandemic, while others are growing and developing despite the overall situation. Therefore, this research study gives a brief overview of the impact of the pandemic on certain economic parameters at the national level, such as the gross domestic product, the number of unemployed, the impact on exports and imports, and the impact on financial markets and the automotive industry. The purpose of this thesis is to investigate how the emergence of the crisis caused by the COVID-19 virus affected the operations of insurance companies, i.e. how it was reflected in the outcome of insurance operations, taking into account the impact on solvency and the technical result of automobile liability insurance. On the basis of the financial reports of insurance companies, an analysis of data and key indicators was carried out, and conclusions were drawn about the companies' operations during the pandemic.

• Keywords: društva za osiguranje; pandemija; COVID-19 kriza; osiguranje od automobilske odgovornosti; solventnost i tehnički rezultat
• Keywords (english): insurance companies; pandemic; COVID-19 crisis; automobile liability insurance; solvency and technical result
• Language: croatian
• URN:NBN: urn:nbn:hr:148:363654
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2023-10-04 18:14:32