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Ekonomika preduzeća
2014, vol. 62, br. 7-8, str. 367-381
jezik rada: engleski
vrsta rada: originalan članak
doi:10.5937/ekopre1408367K
Determinante poslovnih performansi kompanija za neživotno osiguranje u Srbiji
aUniversity of Belgrade, Faculty of Economics, Department of Statistics and Mathematics
bUniversity of Belgrade, Faculty of Economics, Department of Business Economics and Management
cUniversity of Belgrade, Faculty of Economics, Department of Economic Policy and Development

Projekat

Rizici finansijskih institucija i tržišta u Srbiji - mikroekonomski i makroekonomski pristup (MPNTR - 179005)
Strategijske i taktičke mere za rešavanje krize konkurentnosti realnog sektora u Srbiji (MPNTR - 179050)

Sažetak

Mogućnosti rasta sektora osiguranja i njegovog doprinosa razvoju nacionalne ekonomije opredeljene su performansama poslovanja osiguravajućih kompanija. U radu su prezentovani rezultati ocene performansi kompanija koje se bave poslovima neživotnih osiguranja u Srbiji. Empirijsko istraživanje je sprovedeno na osnovu finansijskih izveštaja neživotnih i kompozitnih osiguravača tokom vremenskog perioda 2006- 2013. godine, primenom CARMEL pokazatelja i višestruke regresione analize. Ocenjeni model individualnih fiksnih efekata na podacima panela ukazuje na značajan negativan uticaj kombinovanog racija, finansijskog levridža i stope samopridržaja na profitabilnost neživotnih osiguravača, merene stopom prinosa na aktivu (ROA), dok je uticaj stope rasta fakturisane premije, stope investicionog prinosa i veličine kompanije značajan i pozitivan. Sprovedenim istraživanjem se obogaćuje informaciona osnova za kreiranje poslovne strategije i formulisanje politike poslovanja neživotnih osiguravača u Srbiji.

Ključne reči

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