Cykle koniunkturalne w ubezpieczeniach - wybrane teorie

• Autorzy: Jacek Lisowski , Marcin Zimowski

Warianty tytułu

Insurance Cycles - the Chosen Theories

• Języki publikacji: PL

Abstrakty

Przedmiotem artykułu jest obserwowane od kilku dziesięcioleci zjawisko cykli koniunkturalnych w ubezpieczeniach, nazywanych w skrócie cyklami ubezpieczeniowymi (insurance cycles, underwriting cycles). Celem artykułu jest przedstawienie wybranych teorii cykli koniunkturalnych występujących w ubezpieczeniach. Opisano następujące teorie: zmian struktury rynkowej, irracjonalnych błędów prognozy, błędów pomiaru, ograniczeń kapitałowych oraz strony popytowej. (fragment tekstu)

EN

Researchers have been interested in insurance cycles more or less since the mid 1970s. It was time of exceptionally strong growth in medical malpractice insurance premiums and rigorous underwriting standards in the USA. The reasons for cyclical changes in insurance are described by many theories. The most important hypotheses are: market structure fluctuations theory, theory of irrational forecasting errors, theory of measurement errors, capital constraint models, and demand side hypotheses. The authors of hypotheses mentioned above are not unanimous about the meaning of variables taken into account and their influence on underwriting cycles. The debate on sources of cyclical changes in insurance and their consequences for insurance market as well as the whole economy becomes sound especially after breaking events such as hurricanes Katrina and Andrew or terrorists attack on the WTC in New York.. (original abstract)

Słowa kluczowe

PL

Ubezpieczenia; Rynek ubezpieczeniowy; Cykl koniunkturalny; Teoria cykli koniunkturalnych

EN

Insurances; Insurance market; Business cycles; Business cycles theory

• Czasopismo: Prace Naukowe Akademii Ekonomicznej we Wrocławiu
• Rocznik: 2007
• Numer: nr 1176 Inwestycje finansowe i ubezpieczenia - tendencje światowe a polski rynek
• Strony: 233--241

Twórcy

autor

Jacek Lisowski

• Akademia Ekonomiczna w Poznaniu

autor

Marcin Zimowski

• Akademia Ekonomiczna w Poznaniu

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