Perspektywy rozwoju rynku ubezpieczeń w Polsce
Perspectives of the Development of the Insurance Market in Poland
W artykule przedstawiono rynek ubezpieczeniowy w Polsce po 1990 roku ze szczególnym uwzględnieniem perspektyw jego rozwoju. Prześledzono wyniki działalności firm ubezpieczeniowych, scharakteryzowano wybrane dziedziny ochrony ubezpieczeniowej słabo dotychczas zagospodarowane i zwrócono uwagę na stosowane przez firmy ubezpieczeniowe strategie marketingowe w umacnianiu swojej pozycji na rynku.
Perspectives of the insurance market in Poland are big and at present it is quite easy to function in this sector, even if this business is not run professionally, and the main factor which leads to financial success is the fact of getting in touch with a client to offer him a certain service. More and more people protect themselves from diseases, disability, consequences of death as well as theft, failure in business, liability or accidents. The performance of the insurance firms in 1996 indicate that only in life insurances there were 1,5 mln new clients. These good results encourage local and foreign capital owners to develop their insurance services, but in the future one should take into account the fact that the insurance market will quickly lose its ability to make good business. The insurance firms with low capital, which are weaker organizationally, which are not run in a modern way, not only in canvassing but also in compensation services, will be in a worse and worse situation due to a growing competition, fireign one in particular, which will enter the Polish market after 1999. Even now there are attempts to strengthen Polish insurance firms. It refers not only to capital connections with foreign partners, but also to Polish capital groups which come onto the market. There are interesting attempts to limit reinsurance by foreign insurance companies in favour of local reinsurance. It should be regarded as the important initiative to protect our local market. (original abstract)