Osiguranje otplate kredita s osvrtom na banke kao zastupnike osiguravajućih društava

master's thesis

• Title (english): Credit Protection Insurance with Reference on Banks as Agents of Insurance Companies
• Author: Ružica Dilber
• Mentor: Jasenko Marin (mentor)
• Committee member: Jasenko Marin (predsjednik povjerenstva)
• Committee member: Nikoleta Radionov Karlović (član povjerenstva)
• Committee member: Iva Savić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Law; (Maritime and General Transport Law); Zagreb
• Defense date and country: 2023-05-09, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Law

Abstract

Osiguranje otplate kredita možemo promotriti kroz njegovu dvostruku funkciju. S jedne strane, kao instrument osiguranja tražbine banaka, a s druge strane kao instrument koji pruža sigurnost korisniku kredita uslijed nemogućnosti vraćanja kredita. Osigurani rizici čijim ostvarenjem dolazi do osiguranog slučaja su: nesposobnost za rad, otkaz te smrt. Razmotrit ćemo opće pretpostavke koje moraju biti ispunjenje kako bi došlo do osigurateljnog pokrića, ali i isključenja obveza osiguratelja. U radu se analizira trostrani odnos između korisnika kredita, osiguravajućeg društva te banke. Poseban osvrt je na banke koje su u ulozi distributera osiguravajućih društava ovlaštene na primitak osigurnine, ali i provizije. Statističkim podacima u petogodišnjem razdoblju analizira se korelacija broja ugovora o osiguranju otplate kredita i broja šteta nastalih unutar osiguranja otplate kredita te udio predmetnog osiguranja na tržištu osiguranja u Republici Hrvatskoj

Abstract (english)

Credit protection insurance can be observed through its dual function. On the one hand, it is an instrument to secure the bank's claims. On the other hand, it is an instrument that provides security to the credit consumer due to the impossibility of repaying the credit. Examples of insured risks which leads to the insured events are: inability to work, dismissal and death. Eligibility for insurance coverage but also the exclusion of coverage will be considered in in this thesis. Also, this thesis analyzes the tripartite relationship between the credit consumer, the insurance company and the bank. Special focus is on banks which are in the role of insurance distributors authorized to receive insurance compensations and commissions. The correlation between the number of credit protection insurance contracts and the number of damages incurred within the loan credit protection insurance and he share of the credit protection insurance on the insurance market is analyzed using statistical data in a five-year period in the Republic of Croatia.

• Keywords: osiguranje otplate kredita; osigurani rizici; klauzula isključenja; korisnik kredita; banka; osiguravajuće društvo
• Keywords (english): credit protection insurance; insured risks; exclusion clause; credit consumer; bank; insurance company
• Language: croatian
• URN:NBN: urn:nbn:hr:199:478205
• Study programme: Title: Law; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra prava (magistar/magistra prava)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2023-05-11 08:07:46