Razvoj i perspektive upakiranih investicijskih proizvoda za male ulagatelje i investicijskih osigurateljnih proizvoda

master's thesis

• Title (english): Developement and perspectives of packaged retail and insurance-based investment products
• Author: Leonarda Zujić
• Mentor: Maja Mihelja Žaja (mentor); MBZ: 295693
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Mihovil Anđelinović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-29, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Osiguranje je dio financijskog sustava, koji u suvremenom svijetu, djeluje kao vrlo dinamično okruženje. Pod utjecajem brojnih gospodarskih i društvenih čimbenika se unutar tog sustava razvijaju novi proizvodi. Usporedno s time, razvija se i svijest ljudi o važnosti takvih oblika proizvoda. U ovom radu se provodi kronološki povijesni razvoj proizvod životnih osiguranja koji je bitan za razumijevanje promjenjivih tržišnih trendova i potrošačkih zahtjeva kroz vrijeme. Zatim se detaljnije razrađuju osiguratelji u funkciji financijskih posrednika. Njihova uloga je vrlo važna jer stjecanje povjerenja ljudi predstavlja izazov, ali i cilj za njih. Promatranjem osiguranja u kontekstu upakiranih investicijskih proizvoda uviđa se da oni ne predstavljaju samo ulaganje za „sigurnu budućnost“ već i potencijalnu investicijsku priliku. Kroz temeljne karakteristike proizvoda životnog osiguranja navode se osnovni principi i obilježja ulaganja. Uloga fondova ima ogroman značaj u proizvodima životnog osiguranja. Važan značaj također ima procjena rizika. Osiguranje ili vrijednost osiguranog predmeta dio je police osiguranja na temelju koje se ocjenjuje rizik odnosno njegova veličina. Premije osiguranja su blisko povezane sa rizikom točnije procjenom rizika prilikom ugovaranja police životnog osiguranja. Na primjeru tri države; Republike Hrvatske, Italije i Francuske, prema dostupnim podacima, se analiziraju postojeći proizvodi životnog osiguranja. Zaključno, uzimajući u obzir čimbenike kao što su financijska pismenost, zakonodavni okvir i ostali, perspektiva razvoja investicijskih osigurateljnih proizvoda je prisutna ukoliko se uvidi potreba za novim ugovornim temeljima.

Abstract (english)

Insurance is a part of financial system, which in the modern world, acts as a very dynamic environment. Under the influence of numerous economic and social factors, new products are developed within this system. At the same time, people's awareness of the importance of such forms of products is growing. This work contains a chronological development of a life insurance products that are essential for understanding changing market trends and consumer demands over time. Insurers in the function of financial intermediaries are then elaborated in more detail. Their role is very important because earning people's trust is a challenge but also a goal for them. Observing insurance in the context of packaged investment products shows that they represent not only an investment for a „safe future“ but also a potential investment opportunity. Through the basic characteristics of life insurance products, the basic principles and and characteristics of investment are stated. The role of funds has huge importance in life insurance products. Risk assessment is also important. The insurance or the value of the insured item is part of the insurance policy on the basis of which the ris kor its size is assessed. Insurance premiums are closely related to risk, more precisely risk assessment when contracting a life insurance policy. On the example of three states; Republic of Croatia, Italy and France, according to available dana, the existing life insurance products are analyzed. In conclusion, taking into account factors such as financial literacy, legislative framework and others, the perspective of the development of investment insurance products is present if the need for new contractual foundations is identified.

• Keywords: životno osiguranje; osiguratelji; financijska pismenost; investicijski osigurateljni proizvodi
• Keywords (english): life insurance; insurers; financial literacy; investment insurance products
• Language: croatian
• URN:NBN: urn:nbn:hr:148:409844
• 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: 2021-10-07 13:09:07