Model of Financial Affordability of Insurance Holder in the Context of Insurance Company Risk Management

摘要

This paper analyses the manner of evaluation of insurance holder affordability conducted by an insurance company. A well done financial analysis and appropriate methodology applied enable our greater efficiency when making strategic decisions by selecting business partners, production programs, placing funds into investment programs with an aim of preserving and increasing company value, protecting interest of shareholders, insureds and other insurance creditors.Adequate macroeconomic methods are applied against a corresponding software application, the analysis and synthesis of which lead to conclusions verifying the set hypothesis that there is at least one model satisfying the required and sufficient condition to reduce the level of risk of an insurance company by determining the financial standing of an insured. On a sample of data corresponding results are obtained and commented on in the conclusion of this paper.Sa?etakU radu se analizira na?in ocjene financijske sposobnosti osiguranika od strane osiguravaju?e kompanije. Kvalitetno ura?ena financijska analiza i pravilno odabrana metodologija omogu?avaju nam ve?u u?inkovitost pri dono?enju strate?kih odluka, odabiranjem poslovnih partnera, proizvodnih programa, plasiranjem finansijskih sredstava u investicione programe u cilju o?uvanja i uve?anja vrijednosti kompanije, za?titi interesa akcionara, osiguranika i drudih poverilaca osiguranja.Primijenjene se adekvatne makroekonomske metode uz odgovaraju?u softversku aplikaciju, ?ijom se analizom i sintezom do?lo do zaklju?aka kojima je verifikovana postavljena hipoteza da postoji makar jedan model koji zadovoljava potreban i dovoljan uslov da se snizi razina rizika osigravaju?e kompanije utvr?ivanjem finansijske sposobnosti osiguranika. Na jednom uzorku podataka dobijeni su odgovaraju?i rezultati koji se komentari?u u zaklju?ku ovog rada.