Title Uloga bankoosiguranja u Republici Hrvatskoj i njegovo pravno uređenje Title (english) The role of bank insurance in the Republic of Croatia and its regulation Author Tia Ljubunčić Mentor Jasenko Marin (mentor)Committee member Jasenko Marin (predsjednik povjerenstva)Committee member Mišo Mudrić (član povjerenstva)Committee member Iva Savić (član povjerenstva)Granter University of Zagreb Defense date and country 2021-09-21, Croatia Scientific / art field, SOCIAL SCIENCES Abstract Djelatnost osiguranja veže se uz početke ljudske zajednice i prve poslovne aktivnosti. Ideja raspodjele rizika na više nositelja, od kojih je svaki osobno suočen s opasnošću, postupno je prihvaćana i polako je ulazila u pore sve većeg broja životnih situacija.
Osiguranje je djelatnost koja u svojoj suštini odiše lakoćom prilagodbe. Iako je izvorno osigurateljna djelatnost bila vezana uz pomorske pothvate, ona se tijekom višestoljetnog razvoja razgranala u spektar ponude za izniman broj situacija. Uzimajući u obzir ekonomsku stranu osiguranja i njegovu zadaću da odgovara na svakodnevne opasnosti i potrebe zainteresiranih osoba, nužno je da osiguratelj prati trendove i bude u korak sa istima. Kao i druge proizvode, osigurateljev proizvod također možemo gledati sa dva stajališta - što taj proizvod nudi i kako možemo doći do njega?
U ovom radu pozornost ćemo posvetiti drugom pitanju, odnosno distribucijskom kanalu prodaje osigurateljnog proizvoda - bankoosiguranju. Bankoosiguranje, kao model suradnje banaka i osiguratelja, predstavlja vrlo praktično rješenje određenog broja problema koji dolaze ispred osiguratelja. Osobito u pogledu životnih osiguranja, gotovo je nemoguće zanemariti značaj i ulogu koju nosi bankoosiguranje na tržištu osiguranja u Republici Hrvatskoj.
U daljnjem tekstu, nalazit će se odgovori na pitanja koja se vežu uz bankoosiguranje - njegov pojam i definiciju, njegov značaj na tržištu osiguranja Republike Hrvatske, ali i nekih drugih država Europske unije, potencijal i smjer njegovog kretanja u budućnosti, probleme i potencijalna rješenja istih. U pojedinim dijelovima rada provest ćemo svojevrsnu analizu poslovanja najznačajnijih hrvatskih banaka, Zagrebačke banke i Privredne banke Zagreb, prilikom distribucije osiguranja te njihove prakse u vidu zaštite potrošača. Posebna pozornost posvetit će se nacionalnom i europskom zakonodavstvu značajnom za bankoosiguranje.
Abstract (english) Insurance activity is related to the very beginning of the human community and the first business activities. The idea of allocating risk to multiple carriers, each of whom are personally faced with danger, was gradually accepted and was slowly entering the pores of an increasing number of life situations.
Insurance is an activity that, in its essence, exudes ease of adjustment. Although originally the insurance business was related to maritime ventures, over the centuries it has branched out into a range of offers for an exceptional number of situations. Taking into account the economic side of insurance and its task to respond to the daily dangers and needs of interested parties, it is necessary that the insurer follows trends and keep up with them. Like any other product, we can also look at an insurer’s product from two points of view - what does that product offer and how can we get to it?
In this paper, we will relocate focus to another issue, i.e. the distribution channel for the sale of insurance products – bancassurance. Bancassurance, as a model of cooperation between banks and insurers, is a very practical solution to several problems facing insurers. Especially regarding life insurance, it is almost impossible to ignore the importance and role of bancassurance in the insurance market in the Republic of Croatia.
Further, this paper shall answer questions related to bancassurance - its concept and definition, its importance in the insurance market of the Republic of Croatia and some other EU countries, the potential and direction of its future development, problems and potential solutions. In some parts of the paper, the author analyses the operations of the most important Croatian banks -Zagrebačka banka and Privredna banka Zagreb - during the distribution of insurance and their practices in the form of consumer protection. Particular emphasis shall be paid to national and European legislation relevant to bancassurance.
Keywords
bankoosiguranje
pravo osiguranja
distribucija osiguranja
kanal distribucije
zaštita potrošača
statusno-nadzorno pravo osiguranja
Keywords (english)
bancassurance
insurance law
insurance distribution
distribution channel
consumer protection
statutory- supervision insurance law
Language croatian URN:NBN urn:nbn:hr:199:753369 Study programme Title: Law Type of resource Text File origin Born digital Access conditions Closed access Terms of use Created on 2022-04-22 08:30:25
