Model of Financial Affordability of Insurance Holder in the Context of Insurance Company Risk Management

Abstract

This paper analyses the manner of evaluation of insurance holder affordability conducted by an insurance company. A well done financial analysis and appropriate methodology applied enable our greater efficiency when making strategic decisions by selecting business partners, production programs, placing funds into investment programs with an aim of preserving and increasing company value, protecting interest of shareholders, insureds and other insurance creditors.

Adequate macroeconomic methods are applied against a corresponding software application, the analysis and synthesis of which lead to conclusions verifying the set hypothesis that there is at least one model satisfying the required and sufficient condition to reduce the level of risk of an insurance company by determining the financial standing of an insured. On a sample of data corresponding results are obtained and commented on in the conclusion of this paper.

Sažetak

U radu se analizira način ocjene financijske sposobnosti osiguranika od strane osiguravajuće kompanije. Kvalitetno urađena financijska analiza i pravilno odabrana metodologija omogućavaju nam veću učinkovitost pri donošenju strateških odluka, odabiranjem poslovnih partnera, proizvodnih programa, plasiranjem finansijskih sredstava u investicione programe u cilju očuvanja i uvećanja vrijednosti kompanije, zaštiti interesa akcionara, osiguranika i drudih poverilaca osiguranja.

Primijenjene se adekvatne makroekonomske metode uz odgovarajuću softversku aplikaciju, čijom se analizom i sintezom došlo do zaključaka kojima je verifikovana postavljena hipoteza da postoji makar jedan model koji zadovoljava potreban i dovoljan uslov da se snizi razina rizika osigravajuće kompanije utvrđivanjem finansijske sposobnosti osiguranika. Na jednom uzorku podataka dobijeni su odgovarajući rezultati koji se komentarišu u zaključku ovog rada

Keywords::

• Insurance, Risk Management
• Effectiveness
• Financial Standing Of Insured.

Ključne riječi::

• Osiguranje,Upravljanje Rizicima
• uéinkovitost,
• Bonitet Osiguranika

JEL classification::

• D81
• G22
• L15

JEL klasifikacija::

• D81
• G22
• L15