ASIGURARILE SI CRIZA FINANCIARA

Autor/autori: Adriana Rodica NASTASE

Rezumat: Evolutiile economice din ultima perioada au condus la intensificarea cooperarii internationale intre autoritatile supraveghere. Colaborarea dintre autoritatile de reglementare, coordonarea supravegherii transfrontaliere, precum si necesitatea supravegherii grupurilor consolidate sunt subiecte de actualitate in contextul crizei. In prezent, sectorul asigurarilor se confrunta cu efectele combinate ale deteriorarii conditiilor de piata si cu impactul crizei financiare. Pierderile inregistrate in domeniul asigurarilor sunt cu mult mai mici decat cele din sectorul bancar, fiind datorate in principal implicarii asiguratorilor in activitati nespecifice domeniului. Modificarea reglementarilor in scopul intaririi protectiei asiguratilor poate crea premisele mentinerii increderii asiguratilor ca obligatiile asumate de asiguratori vor fi onorate. Efectele crizei financiare pot fi reduse prin canalizarea eforturilor supraveghetorilor de a preveni noi reactii negative si mai ales de a actiona in timp util.

Cuvinte cheie: asigurari, supraveghere, managementul riscurilor, criza financiara, solvabilitate.


Abstract: Economic developments in recent years have led to increase international cooperation between supervisory authorities. Collaboration between regulators, coordinate cross-border surveillance and the need for consolidated supervision of groups are current topics of crisis. Currently, the insurance industry faces the combined effects of deteriorating market conditions and the impact of financial crisis. Losses in insurance are lower than those in the banking sector, being mainly due to the involvement of insurers in the domain nonspecific activities. Change regulations to strengthen protection of policyholders may create prerequisites to maintain confidence that obligations issued by insurers will be honored. Financial crisis on the market could be minimized by focusing on preventing further adverse reactions and especially acting in a timely manner.

Keywords: insurance, supervision, risk management, financial crisis, solvency.

 

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