inostrani kapital kao faktor razvoja zemalja - Ekonomski fakultet u ...

dr Boris Siljković *
Prof. dr Kostadin Pušara **
316
TOKOVI KAPITALA SEKTORA OSIGURANJA
U SRBIJI I ZEMALJAMA U TRANZICIJI
Rezime: Tržište osiguranja u Srbiji možemo nazvati "razvojnim tržištem" i u ovom
momentu jednim od najslabije razvijenih tržišta osiguranja ne samo u Evropi već i regionu
JIE. U radu ćemo, posebno, razmotriti tržište osiguranja novopridruženog člana Evropske
unije Slovenije, ali i "razvojna tržišta" osiguranja Hrvatske, Makedonije, Crne Gore i
Bosne i Hercegovine. Kroz rad su prezentirani podaci koji ukazuju na osnovne dimenzije
tržišta osiguranja u Srbiji i zemljama bivše Jugoslavije, a to su: stepen razvoja tržišta
osiguranja, vlasnička struktura osiguravajućih organizacija, kanali prodaje osiguravajućih
usluga, broj i struktura ponuđača usluga osiguranja, dinamika tržišta osiguranja i osnovne
performanse tržišta osiguranja. U radu ka tom cilju, osim definisanja činjenica o srpskom
osiguranju danas, pokazuju se razni modusi i modeli kao odgovori na sve izraženije
tendencije globalizacije kroz tokove kapitala u sektoru osiguranja u ekonomijama u
tranziciji.
Ključne reči: razvojna tržišta, globalizacija, tranzicija, Evropska unija, kapital.
INSURANCE SECTOR FLOWS OF CAPITAL IN SERBIA
AND COUNTRIES IN TRANSITION
Abstract: The insurance market in Serbia may be called "developing market" since it
stands for one of the most undeveloped insurance markets not only in Europe, but also in
entire South-East Europe. This paper will, especially, analyze the insurance market in
Slovenia, the newly accessed European Union member state, as well as markets in certain
"developing insurance markets" such as those in Croatia, Macedonia, Montenegro and
Bosnia and Herzegovina. The paper contains and represents data indicating the basic
dimensions of the insurance market in Serbia and counties of former Yugoslavia, such as:
level of insurance market development, property structure of insurance organizations,
channels of selling insurance services, number and structure of insurance service
providers, insurance market dynamics, and basic properties of insurance market. In order
to support all provided data, this paper does not contain only definitions of facts regarding
Serbian insurance nowadays, but it also provides explanations on various modules and
models as responses to increasing globalization tendencies through flows of capital in
sector of insurance in economies in transition.
Key words: developing market, globalization, transition, European Union, capital.
* Visoka ekonomska škola strukovnih studija Peć u Leposaviću
** BK Univerzitet, Fakultet za trgovinu i bankarstvo u Beogradu