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Ekonomika preduzeća
2018, vol. 66, br. 5-6, str. 333-345
jezik rada: engleski
vrsta rada: izvorni naučni članak
doi:10.5937/EKOPRE1806333P


Determinante profitabilnosti neživotnih osiguravajućih kompanija u Srbiji
Univerzitet u Novom Sadu, Ekonomski fakultet, Subotica

Sažetak

Uzimajući u obzir specifičnosti srpskog tržišta osiguranja, sektor osiguranja u Srbiji je i dalje nerazvijen i po stepenu razvijenosti nalazi se znatno ispod proseka zemalja članica Evropske unije. Tržište osiguranja u Srbiji je u razvoju i ima ogromne potencijalne mogućnosti. Profitabilnost je jedan od najvažnijih ciljeva finansijskog upravljanja. Cilj ovog istraživanja je ispitivanje uticaja unutrašnjih faktora poslovanja neživotnih osiguravajućih kompanija kao što su: veličina aktive (kompanije), rast aktive, rast premije, racio likvidnosti, racio zadužeosti, poslovni rizik (underwriting risk), operativni troškovi, finansijski leveridž, učešće dobiti u ukupnim prihodima na profitabilnost neživotnih osiguravajućih kompanija u Srbiji. Rezultati istraživanja su dobijeni primenom modela višestruke linearne regresije gde će se reprezentativnost modela ispitati proračunom koeficijenta korelacije, koeficijenta determinacije i korigovanog koeficijenta determinacije. Takođe, biće sprovedena i analiza varijanse (ANOVA), kako bi se testirala značajnost posmatranih varijabli u modelu i sagledao uticaj navedenih nezavisnih varijabli na profitabilnost ROA kao zavisne varijable. Temeljni rezultati sastoje se u davanju empirijske podloge za donošenje zaključka da najveći uticaj na profitabilnost neživotnih osiguravajućih kompanija imaju rast premije, racio zaduženosti, operativni troškovi i učešće dobiti u ukupnim prihodima.

Ključne reči

neživotne osiguravajuće kompanije; determinante profitabilnosti; osiguranje; regresija

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