Aspekty regulacyjne procesu usprawniania europejskiego rynku detalicznych usług ubezpieczeniowych

• Autorzy: Jerzy Łańcucki

Warianty tytułu

Regulatory Aspects of Processes Streamlining the European Market of Retail Insurance Services

• Języki publikacji: PL

Abstrakty

W kontekście funkcjonowania Unii Europejskiej scharakteryzowano rynek usług ubezpieczeniowych. Omówiono działania regulujące ten rynek, do których zaliczono: projekt Solvency II; ubezpieczeniowe systemy gwarancyjne; substytucyjne, detaliczne produkty inwestycyjne. Opisano także przesłanki zmian regulacyjnych w dyrektywie o pośrednictwie ubezpieczeniowym.

EN

The revised Lisbon Strategy defines ten priority reforms which should make the development of European economy more dynamic in the following years. Among these priorities, significant importance is attached to retail financial services. As far as retail insurance services market is concerned, the European Commission has initiated and taken the following regulatory actions: Solvency II project, insurance guarantee scheme (IGS), substitution scheme, retail investment products scheme, as well as amendments to the Intermediaries Directive. Based on the analysis of the above mentioned initiatives, it can be concluded that there is lack of symmetry as far as catering for the interest of all parties involved is concerned. The interests of huge trans-sectoral financial groups operating within the whole European territory have priority, as well as the interests of supervisory bodies from the countries in which these groups have their headquarters. And the will to cater for the interest of consumers and small companies, so widely declared in various documents, is not directly reflected in the projects and recommendations compiled by the EU authorities. Moreover, it can be noted that there is lack of consistency and cohesions as far as regulatory actions are concerned, and that the EU authorities decide about the order, rank and scope of the initiatives in the insurance market in an arbitrary way. (original abstract)

Słowa kluczowe

PL

Rynek usług ubezpieczeniowych; Jednolity rynek ubezpieczeniowy; Działalność ubezpieczeniowa; Regulacje prawne; Dyrektywa Solvency II

EN

Insurance services market; Single market for insurance; Insurance activity; Legal regulations; Solvency II directive

• Czasopismo: Zeszyty Naukowe / Uniwersytet Ekonomiczny w Poznaniu
• Rocznik: 2009
• Numer: nr 127
• Strony: 355--365

Twórcy

autor

Jerzy Łańcucki

• Uniwersytet Ekonomiczny w Poznaniu

Bibliografia

• Communicaton from the Commission. Sector inquiry under Art. 17 of Regulation 1/2003 on business insurance, 2007, s. 86 (Financial Report).
• European Insurance in Figures, CEA Statistics No. 31, August 2007, s. 70.
• Feedback statement on contributions to the call for evidence on "substitute" retail investment products, March 2008, s. 3 і n.
• FIN-FOCUS, Biuletyn o usługach finansowych, Grudzień 2007, nr 4, s. 4.
• Łańcucki J., Regulacyjne i nadzorcze elementy w Planie działania w zakresie usług finansowych (FSAP) (2005-2010), "Prawo Asekuracyjne" 2006, nr 3, s. 3 і n.
• The Single Market: A vision for the 21st century, HM Treasury, Department of Trade and Industry, London, 2007, s. 37.