:

MSc
. 450172/2010

, 2013.


....................................................................................................... 1
....................................................... 3
......................................................................... 4
. ........................................................................ 6
........................................................................... 7
....................................................................................................8
1. .........................................................................10
1.1. ....................................................................11
1.2. .......................................................................14
1.3. .....................................................................21
1.4. ......................................................................24
2. ................................................29
2.1. .......................................................30
2.2. 1990. ..........................32
2.3. 1990. ......................41
3.
1990 - 2000. .....................................................................................43
4.
2007 - 2011. ..............................................................49
4.1. ..................................................51
4.1.1.
.....................................................61
4.2. .............................................65
4.2.1.
................................................71
4.3. ............................................75
4.3.1.
...............................................82
4.4. .................................85
4.4.1.
....................................90
4.5. .............................94
4.5.1.
..............................100
4.6. .........................................104

4.6.1.
............................................110
4.7. ........................................114
4.7.1.
...........................................120
5. ...............................................123
6. ....127
6.1.
2011. ........................................................128
6.2.
2011. 1981. ...........................................................151
7.
....................................................................................161
7.1. .........................................................................167
7.1.1. ......................................................................................169
7.1.2. ........................................................................................171
7.1.3. .......................................................................172
7.1.4. ......................................................................................173
7.1.5. ......................................................................174
7.1.6. , - .................175
7.2. ..........................................................................178
7.2.1. .....................................179
7.2.2. ..............................................................................180
7.3. ................................186
7.3.1. ...........188
7.4. ............................193
8. ..... ....... ..198
8.1. ........................202
8.2. ........................204
9.
.....212
9.1. ......215
9.1.1. ...............215
9.1.2. ................216
9.2.
.........................................................218
...........................................................................................223

 ...........................................................................................231
............................................................................................................235
......................................................................................................................237
....................................................................................................................239
..............................................................................................................241
...............................................................................................................248
..................................................................................................................251
..............................................................................................................257

___________________________________________________________________

___________________________________________________________________
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2009, . 19.
2 ; ., , , , , 2008, . 359
3 ., , , , . 4, . 1
4Gustavson T., Risk Management and Insurance, 10th Edition, South-Western College Publication, International
Thompson Publishing, USA, 1998, str. 3
5 ., , , , 2003, . 284.

___________________________________________________________________
2

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37
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38 . . . . . 21
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Monette F., (A. de Ville) Andr R., Traite des Assurances Terrestres, Tome I, Brisel/Pariz, 1955, str. 11.
., , , , 2011, . 4

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www.zivotnoosiguranje.com, ( 8.06.2012.)

www.zivotnoosiguranje.com, ( 8.06.2012.)

46 Rohrbach W., Na izvorima istorije austrijsko-srpskog osiguranja: 200 godina agenata osiguranja, asopis
Revija za pravo osigiiranja, 2011, broj 1. str. 37

___________________________________________________________________
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___________________________________________________________________
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___________________________________________________________________
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1.4.
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___________________________________________________________________
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___________________________________________________________________
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___________________________________________________________________

___________________________________________________________________
29

___________________________________________________________________

2.1.

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___________________________________________________________________
30

___________________________________________________________________

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___________________________________________________________________
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___________________________________________________________________

2.2.
1990.
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___________________________________________________________________
32

___________________________________________________________________
1981.
3.700 (3.929 $)72. ,

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___________________________________________________________________
33

___________________________________________________________________

1985. ( 2), .
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___________________________________________________________________
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1981. ,
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___________________________________________________________________
35

___________________________________________________________________
, .

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000

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1981 1.369.732 82.955.152 22.471.000

1982 1.042.899 84.933.747 22.642.000
1983
1984
1985

790.616 86.902.206 22.805.000

744.984 88.882.325 22.966.000
638.048 90.846.236 23.118.000

89.071

61

3.692

67.016

46

3.751

50.406

35

3.811

45.280

32

3.870

38.045

28

3.930

15.378
15.562
15.685
16.453
16.771

1. , -
1981.-1985.

1. -
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78

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___________________________________________________________________
36

___________________________________________________________________
-
3.700 1981. 3.800 1985.
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1985 38.000 ,
.

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79

, , 1983, . 420
,
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80

___________________________________________________________________
37

___________________________________________________________________
(
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1985.
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%

1982

1983

1984

1985

1986

1987

1988

11,66

10,95

11,05

13,42

16,20

16,71

18,06

16,94

12,47

11,46

10,73

12,08

13,75

15,50

18,70

16,64

11,26

10,32

10,26

11,08

11,96

12,29

12,49

12,97

11,31

10,68

10,43

10,44

10,08

10,28

11,57

11,28

10,77

10,07
11,67

10,89

12,02

12,90

13,17

12,76

12,25

12,58

11,26

11,48

11,69

11,70

16,22

14,18

12,98

12,24

12,65

14,32

16,40

17,72

19,54

18,34

13,25

11,44

11,42

12,40

14,21

17,70

15,75

12,31

11,54

12,16
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14,19

15,27

17,71

16,22

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9=1-8/8

2. ()
1982-1988. 81

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81

, 10/1989, ,
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___________________________________________________________________
38

___________________________________________________________________
2.
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1982 1988. .
10,07% 4
1985. 19,54% 7 1988. .
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___________________________________________________________________
39

___________________________________________________________________
.
82.

6. ()
1981 1985 83

1.
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1985. , 10,1% 1981. 13,3% 1985.
( 6).

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.
82

___________________________________________________________________
40

___________________________________________________________________

2.3.
1990.
-
. -,
( 2),

, 101.410 1981. 42.007 1985.

, ,

,
, .

000

000

1981
1982
1983
1984
1985

503.928
385.318
283.920
276.399
230.280

31.168.880
32.206.946
32.717.048
33.291.783
33.956.705

9.332.000
9.398.000
9.464.000
9.531.000
9.595.000

4.930
5.022
5.144
5.362
5.544

101.410
75.798
56.099
50.712
42.007

54
41
30
29
24

3.340
3.427
3.457
3.493
3.539

3. , -
1981.-1985.

2. -
1981 - 1985. 84

84

, ,
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___________________________________________________________________
41

___________________________________________________________________
1985.
,

1981. .

7. 1981 1985 85

( 7) 52% 70%
,

( 2)
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85

, ,
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___________________________________________________________________
42

___________________________________________________________________

1990 - 2000.

___________________________________________________________________
43

___________________________________________________________________
1990.
,

.
25. 1988.
1974. 86,
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87,

:

()
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. 1991. 1995.
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1990. . ,

1994.

88 , 89.
1996. 90, .

86

, 70/1988,

87

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89
, . 9/1994,
90 , 30/1996,
88

___________________________________________________________________
44

___________________________________________________________________
1991-1995.
, .
, 1992 1993.
.

1 : 13.000.00091, 13.000.000
1 92.
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1992.
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___________________________________________________________________
45

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( 65
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40 95.

1996. ,

94

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___________________________________________________________________
46

___________________________________________________________________

.
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250.000 $
,
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100.000 $
97.
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___________________________________________________________________
47

___________________________________________________________________
101.
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102,
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103

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102
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___________________________________________________________________
48

___________________________________________________________________

2007 2011.

___________________________________________________________________
49

___________________________________________________________________

.
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, :
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105

; ., , ,
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___________________________________________________________________
50

___________________________________________________________________

4.1.

, , ,
.
,
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.
2000. 2008.
5,4%
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106.
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( 4) 2004
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2011. 47 1.000
, 2.757 107. ,

. ., ,
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107 Swiss Re, asopis Sigma, 2012, br. 3, str. 38
106

___________________________________________________________________
51

___________________________________________________________________
276 108,
104 .
100 , .

8,7

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11,8

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4,5

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3,6

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4. - 2011. 109
, %110

2011. ,
57,3 , 2010. 56,5 ,
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2011 548 , 2010 536 .

2011. ,
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2008 589 ( 3).
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108

109

110 Swiss Re, asopis Sigma, 2012, br. 3, str. 39

___________________________________________________________________
52

___________________________________________________________________
,
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3. 2007 - 2011. 111

2007.
565 , 2011. 548 .
2008. 589 .
2007.
62 11%, 2011.
95 17,4%, ,
2011.
.
,
,

111

, ,
, , 2007-2011, ( ), www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
53

___________________________________________________________________
.
,
.

8.
2007 - 2011. 112

( 8) ,
, 91% 2007.
86,3% 2011 . ,
,
,
.

.
,
.
,
,

112

, , , 2007-2011,
www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
54

___________________________________________________________________

.


,
.

9.
2011. 113

2011. 28
, 24 , 4
.
7 ,
11 ,
( ) 6 .
, 10
93.07% ( 9),
3 63%. , 25.93%,

113

, , ,
, 2011, . 7, www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
55

___________________________________________________________________
, 20%
18%, 0.0094% .
,
2011 77,6% 8
93% .
, 31%, 20%
18% .

10.
2011. 114

2% . 10
,
. ,

.

92,5% .

114

, , ,
, 2011, . 7, www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
56

___________________________________________________________________
25% , 25%
20% 70%,

8% ( 58).
13 .

`
11. 2011. 115

77,6%,
17,4% ( 11). 2010.
16,5%,
1%,
, .
33% ,

. 13%, 7%,
4% . 26% 22%
4% .

115

, , , ,
2011, www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
57

___________________________________________________________________

12. 2007 2011. 116

548 2011

228

, 41,6% ( 12).

.
39,5% 2007.
41,9% 2009. , .
, 117
100%, 110%,
.

116

, , , 2007-2011,
www.nbs.rs, ( 22.06.2012.)
117

___________________________________________________________________
58

___________________________________________________________________

13. ()
2005-2011. 118

2005 2011. ( 13), 2005.
2011.
, 2011. 40,6%.
, : 2011.
44,3%, 48,5%,
, 18,6%.

, ,
,
.

,
.

118

, , , 2007-2011,
www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
59

___________________________________________________________________

14.
2007 2011. 119

. :
, , ,
.
,
.
,
,
( 14).
2008. 24,2
,
. 2011.
5,3 , .
,
,
,
.

119

, , , 2007-2011, www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
60

___________________________________________________________________

4.1.1.

28
21 , 7
, ( )
.

15.
2007 2011. 120

2007. , 41,4%, , 2011.
32,1% ( 15).
26%,
( )
,
, .

120
, , , 2007-2011,
www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
61

___________________________________________________________________

16.
2011. 121

2011.
( 16) 60%,
92%.

000

000

2007
2008
2009
2010
2011

565.000
589.000
558.000
536.000
548.000

28.301.364
32.726.313
29.038.026
28.202.411
32.636.444

7.337.662
7.362.500
7.342.105
7.342.466
7.611.111

9.696
11.713
11.142
11.142
11.289

58.271
50.286
50.081
48.106
48.543

77
80
76
73
72

3.857
4.445
3.955
3.841
4.288

5. , -
2007.- 2011.

121

, , , 2011, www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
62

___________________________________________________________________

4. -
2007 - 2011. 122

. 2007. 3.857 , 4.445

2008. 2009. 3.995 2011.

4.288 ( 4).
.

-, 2011.
. 2007.
77 , 2008. 80 , 2011. 72 .

. 2007 58.271
2011. 48.543
16,4%, 3 %.

122

, , , 2007-2011,
www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
63

___________________________________________________________________

5. -
2007 - 2011. 123

-
1,8% 1,9%
( 5). ,

,
. 1,8% -
2011. 65. .

. 4,1% 4,4%
, ,
, , .
2011. 5.33 , 1%

18.4 ,

3,4%

123

, , , 2007-2011,
www.nbs.rs, ( 22.06.2012.)

___________________________________________________________________
64

___________________________________________________________________

4.2.

2011. ( 6)
1.215 , 3% , 6%
2009. .
, ,

,
.
2008. 1.317 .
2008. ,

.

6.
2007 - 2011. 124

27,4% 2007. 26,6% 2011. ,
.

124

(
), , , 2007 2011, www.., ( 26.07.2012)

___________________________________________________________________
65

___________________________________________________________________

17.
2007 - 2011. 125

( 17) 89,1%
2007. 88,4% 2010 , 2011. 83,7%.
2011.
, . J

,
.
28 ,
2011. , 10
, 7 , 10
, , ,
. 2006.
,
126 1. 2006.
,
.

125

, , , 20072011, www..,
( 26.07.2012)
126 , , . 151/2005

___________________________________________________________________
66

___________________________________________________________________

18.
2011. 127

87%
, 13%
( 18).
37% .

19.
2011. 128

127

128

, , , 2011, . 15, . 53, www.., ( 26.07.2012)

, , , 2011, . 15, . 53, www.., ( 26.07.2012)

___________________________________________________________________
67

___________________________________________________________________
(19).
83% ,
17%.
.
15% ,
14%. 10% .
,
.

20.
2011. 129

,

.
26.6%, .
31% ,
9%,
., 21%, 7%
( 20).

129

, (2011), . 15, , , . 54, www.., ( 26.07.2012)

___________________________________________________________________
68

___________________________________________________________________

21.
2007 2011. 130

2011.
609 ,
50,1% ( 21),
2007. 47,1%.
47 51%,
2008. 47,4%, 2009. 50,9% 2010.
47,6%.
.
, ,
() .
2011.
59 , 4,8%
2007. ( 22).

.

130

, , , 20072011, www..,
( 26.07.2012)

___________________________________________________________________
69

___________________________________________________________________

22.
2007 2011. 131

2007. 46,5 , 2008.

1,4 . 2008.
.
2007.
.

,
.
2009.
8,6 , 39,4
2010. 59,9 2011.
.

131

, , , 20072011, www.., ( 26.07.2012)

___________________________________________________________________
70

___________________________________________________________________

4.2.1.

23.
2007 2011. 132

,
. 2007 2011.
, 2011.
2007. 57%
, ( 23) .
31%
.
2011. 27
, 16 ,

132

, , , 20072011, www..,
( 26.07.2012)

___________________________________________________________________
71

___________________________________________________________________
43% ,
78% ( 24).

24.
2011. 133

, ,
, 31,6%


.

000

2007
2008
2009
2010
2011

1.235.010
1.317.020
1.288.400
1.253.110
1.219.370

000

39.911.258
48.791.822
43.920.715
44.979.121
45.085.764

4.442.482
4.434.411
4.427.491
4.427.951
4.418.007

9.398
10.514
11.077
11.180
10.575

131.412
125.263
116.313
113.100
115.307

278
297
291
283
276

8.984
11.003
9.920
10.158
10.205

6. , -
2007.- 2011.

133

, , , 2011, www.., (
26.07.2012)

___________________________________________________________________
72

___________________________________________________________________

7. -
2007 - 2011. 134

, (pr cpit) 2011

2010 (283) 276.
2009.
298 ( 7).
2001. 2011.
3,4%135,
.
- ,
.
, 2008. .

2007. 2011. 1,3%,
12,5%.

134

, , , 20072011, www..,
( 26.07.2012)
135 , , , 2012, www.dzs.hr, (
26.07.2012)

___________________________________________________________________
73

___________________________________________________________________

8. -
2007 - 2011. 136

( 8). 3,4%
2007 4,9% 2011 ,

.
,
. 2007.
2,9% 2001. , 2,7%.
2008. ,


.

, , 25
.
,
( ).

136

, , -
, e, 2007-2011, www.hnb.hr, ( 28.07.2012)

___________________________________________________________________
74

___________________________________________________________________

4.3.
2011 ,
2.053 , 2% 2010.
, 2.074 2009.
2.073 .

.
,
, .

, ,
, 2008.
.
.

9.
2007 - 2011. 137

137

, , , 2008 2012,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
75

___________________________________________________________________
32%
2007. 29% 2011. ( 9).

.

25.
2007 - 2011. 138

,
.

.
5% 2007. 13% 2011. , ( 25)
,

138

, , , 2008 2012,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
76

___________________________________________________________________

26.
2011. 139

2.053 2011. ,
19 , 4
, 5 , 10
( 26).

,
,
.
1.454
, 70,8%
98% , 68% .

34% .
17% 13%
. 6% .

139

, , , 2012, . 17,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
77

___________________________________________________________________

27.
2011. 140

29,2%
, ,
30%, 2011. ( 27).
. 292
, ,
,
1.278 .
92%,
8%.
73% .
34% .
17%, 12%
10% .
7% .

140

, , , 2012, . 17,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
78

___________________________________________________________________

28.
2011. 141

( 28)
71%, 29%.

.
16%. 29%,
21% 5% 55% ,
.
12%,
,
. 9%,
12%.

141

, , , 2012, . 50,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
79

___________________________________________________________________

29.
2007 2011. 142

2.053 2011
,
1.289 , 63% ( 29). 2011.
4651%,
,
. 2% 2011.
.
,
2011 99 ,
4,8% .
, ,

.

142

, , , 2008 - 2012,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
80

___________________________________________________________________

30.
od 2007 2011. 143

2007-2011. ,
( 30). 230,6 2007. ,

2008 -113 .

2008. (
150 )
, 2008.
.
,
,
. ,
2011. 99
.

143

, , , 2008 - 2012,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
81

___________________________________________________________________

4.3.1.

31.
2007 2011. 144

( 31) 90%,

. 21 14
, 7
.

32.
2011. 145

144

, , 2008 - 2012, www.zav-zdruzenje.si, ( 17.09.2012)
145 ,
, , 2012, www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
82

___________________________________________________________________

2011
7% ( 32),
17%.

000

000

2007
2008
2009
2010
2011

1.893.980
2.018.950
2.072.923
2.094.342
2.053.443

33.550.503
37.124.208
35.680.161
35.575.124
35.616.969

2.019.168
2.039.343
2.087.536
2.049.258
2.053.443

6.064
6.331
6.306
6.128
6.099

312.332
318.899
328.722
341.766
336.685

938
990
993
1.022
1.000

16.616
18.204
17.092
17.360
17.345

7. , -
2007.- 2011.

10. -
2007 - 2011. 146

146

,
, , 2008 - 2012, www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
83

___________________________________________________________________

. 17.000
( 10).
- ,
1.000 .

, 312.000 2007.
330.000 2011,
.

11. -
2007 - 2011. 147

-
5,5 6%, ( 11)
.
7,9% -. 5,8% - 2011.
23. .

. 8,6% 11,5%
2,5 3 .

147

, , , 2008 - 2012,
www.zav-zdruzenje.si, ( 17.09.2012)

___________________________________________________________________
84

___________________________________________________________________

4.4.

, ,
, ,
.
,
.
2011.
182 , 1%
, 20% 2007. ( 12).

, .

4,3%.

12.
2007 - 2011. 148

148

, ,
, , 2007-2011, www.azobih.gov.ba, (
1.10.2012)

___________________________________________________________________
85

___________________________________________________________________

, 19,3%
2007. , 16,7%
.

33.
2007 - 2011. 149

( 33)
2007 2011. 7%,
.
.
,
,
.
,
, .
,
.

149

, ,
, , 2007-2011, www.azobih.gov.ba, (
1.10.2012)

___________________________________________________________________
86

___________________________________________________________________

34.
2011. 150

2011. 14
. 14 , 6
, 7
( 34).
90% 8
, 10% .
21%,
- 14%
11%. 10%
.

HHI151
.

150
, ( ), , 2011, . 1,
www.nados.ba, ( 1.10.2012)
151

Horfindahl-Hirschman indeks, .

.

___________________________________________________________________
87

___________________________________________________________________

35.

2011. 152

8
( 35), 4 87% ,
30%, 25%,
24% 8% .

,

.

36.
2011. 153

152

, 2011, . 1, www.nados.ba, ( 1.10.2012)

153

, 2011, . 2, www.nados.ba, ( 1.10.2012)

___________________________________________________________________
88

___________________________________________________________________
( 36),
42% 14%
. 19%
, 8% ,
17% .

37.
2007 2011. 154

2011.
73,7 , 40% ,
( 37).
,
40,4% 2011. 46,9% 2008. ,
46,%
,
.

154

, ,
, , 2007-2011, www.azobih.gov.ba, (
1.10.2012)

___________________________________________________________________
89

___________________________________________________________________

38.
2007 2011. 155

8,2 , 4,5% 2009.
, 5,4 2010. , 2011.
5,6 , 3,1% ( 38).
,
.
, 2008 2009. .

4.4.1.

( 39)
2007. 2011. .
6

155

,
, , 2007-2011, www.azobih.gov.ba, ( 1.10.2012)

___________________________________________________________________
90

___________________________________________________________________
.
46,7% 2007. 52,8% 2011. .

39.
2007 2011. 156

40.
2011. 157

, ( 40)
47% 8%
.

156

, ,
, , 2007-2011, www.azobih.gov.ba, ( 1.10.2012)
157 , (2011) ,
, , 2011, . 21, www.azobih.gov.ba, ( 1.10.2012)

___________________________________________________________________
91

___________________________________________________________________

000

2007
2008
2009
2010
2011

151.800
171.600
173.150
178.650
182.400

000

7.593.036
7.918.918
8.035.334
9.273.258
8.937.600

3.036.000
2.813.115
2.934.746
3.308.333
3.091.525

2.331
2.491
2.519
2.630
2.602

65.122
68.888
68.738
67.928
70.100

50
61
59
54
59

2.501
2.815
2.738
2.803
2.891

8. , -
2007.- 2011.

13. -
2007 - 2011. 158

-
, .

(13).

158

, ,
, , 2007-2011, www.azobih.gov.ba, (
1.10.2012)

___________________________________________________________________
92

___________________________________________________________________
,
,
.
, .
50 2007. , 61 2008.
, , 2009 59
.

14. -

2007 - 2011. 159

3,5% 2007. 4,5% 2011. ( 14),
2,2%.
.

159

, ,
, , 2007-2011, www.azobih.gov.ba, (
1.10.2012)

___________________________________________________________________
93

___________________________________________________________________

4.5.

2007 - 2011.
, 15%,
.

. 2011. ,
67 2010. 7,1%,
( 15).

1,6% ,
.

15.
2007 - 2011. 160

160

, (
), , , , 2007-2011, www.azors.rs.ba, (
25.06.2012)

___________________________________________________________________
94

___________________________________________________________________

4,7% 2007. 2011. 7,8%.

,
.

41.
2007 - 2011. 161

( 41),

.
,
,
.
2-3%
, .
11
, 8 ,

.

161

, , , , 2007-2011, www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
95

___________________________________________________________________
,
, .

42.
2011. 162

, 62 2011.
, 11 ( 42).
8 87%
, 13%163.

43.
2011. 164

162

, , , , 2011, . 11 www.azors.rs.ba,
( 25.06.2012)
163 , , , , 2011, . 13 www.azors.rs.ba,
( 25.06.2012)
164
, , , , 2011, . 11 www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
96

___________________________________________________________________
( 43) 2011.
5,3 , 0,4%
, .

92%, 5%
3% .

44.
2011. 165

.
2011. 7,8%,
( 44). 68%
, 7%,
6%, 1%, 9%
2% .

165

, , , , 2011, . 13, www.azors.rs.ba,

( 25.06.2012)

___________________________________________________________________
97

___________________________________________________________________

45.
2007 2011. 166

2011. ( 45)
21,2 , 31,6% .
.

2007. 31,4%, 2008.
38,8%, 2009. 33,6%, 2010. 34,6%.
, ,

,
.
.

166

, , , , 2007-2011, www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
98

___________________________________________________________________

46.
2007 2011. 167

,
( 6,9 ) 10%
( 46). ,
, ,
.
2008.
, .
38,8% 2008.
200.000 .
,
, ,
2010.
7,3 , 116%
.

167

, , , , 2007-2011, www.azors.rs.ba ,
( 25.06.2012)

___________________________________________________________________
99

___________________________________________________________________

4.5.1.

11
, 2011.
, 7
63,1% . 2007.
70,1%, 2008.
51% ( 47). 2009.
73,5% ,
2010. 63,5%.

2009. .
2010.
73,5% 63,5%,
,
.

47.
2007 2011. 168

168

, (2007-2011), , , , www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
100

___________________________________________________________________

48.
2011. 169

2011. ,
61%,
100%
( 48),

000

53.830
54.890
61.350
62.690
67.160

2007
2008
2009
2010
2011

000

4.015.718
3.855.065
4.384.280
4.321.236
4.429.702

1.538.000
1.276.512
1.496.341
1.457.907
1.428.936

816
871
927
1.177
1.211

65.968
63.020
66.181
53.263
55.458

35
43
41
43
47

2.611
3.020
2.930
2.964
3.100

9. , -
2007.- 2011.

169

, , , , 2011, . 5, www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
101

___________________________________________________________________

16. -
2007 - 2011. 170

: 2.611 2007.
, 3.020 2008. , 2.930 2009. , 2.964 2010.
3.100 2011. ( 16).
,

.
: 35
2008. , 43 2008. , 41 2009. , 43 2010. , 47
2011. .

,
.

170

, , , , 2007-2011, www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
102

___________________________________________________________________

17. -,

2007 - 2011. 171

2011. 1,5%
2007
1,4% ( 17). 2010. ,
1,7% .
4,1%
2007. 4,4% 2011. ,
,
,
.

171

, , , , 2007-2011, www.azors.rs.ba,
( 25.06.2012)

___________________________________________________________________
103

___________________________________________________________________

4.6.
2011.
64,8 ,
.

86% , 14%

.

,
( 18).
51 2007. ,
11,6%, 6 ,
2011.
14%, 9 .

18.
2007 - 2011. 172

172

, (
), , , 2007-2011, www.ano.me, (
10.10.2012)

___________________________________________________________________
104

___________________________________________________________________

49.
2007 - 2011. 173

( 49),
55,8% 2007, 86,2% 2011. .
.

,
.
2007.
), 2008.
.
. , ,

.

173

, , ,
10.10.2012)

2007-2011, www.ano.me, (

___________________________________________________________________
105

___________________________________________________________________

50.
2011. 174

12 , 5
, a 7
.
,
53% ( 50), :
18% , 13% ,
12% 5% .

512.
2011. 175

174

, ,
, 2011, www.ano.me, ( 10.10.2012)
175
, ,
, 2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
106

___________________________________________________________________
( 42). 14%
9
. 2007.
11,6% 5
.

84% ,
55% .

52.
2011. 176

( 52).
.
2011. 12%
2%.

48 %.
11% 12%,
15% 5% .

176

, ,
, 2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
107

___________________________________________________________________

53.
2007 2011. 177

64,8 2011
27
, 42%
( 53).
2007 2011.

. 2007.
32,9%, 2008. 39,3%,
2009. 46,2%.
2010.
42,3%, 2011. 41,6%,
.

177

, ,
, 2007-2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
108

___________________________________________________________________

54.
2007 2011. 178

,
2007. 800.000 .
: 2008.
4,2 , 2009. 9,2 2010.
7,1 ( 54).

2011
1,7 , 2,7% .
, ,
, .


.
(. 2008. 38%
), .

178

, , , 2007-2011, www.ano.me, (
10.10.2012)

___________________________________________________________________
109

___________________________________________________________________

4.6.1.

55.
2007 2011. 179

12
10 , 2
( 55).
, 2007. 52,7%,
2011. 85,4%.

,
, ,
.

179

, ,
, 2007-2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
110

___________________________________________________________________

56.
2011. 180

2011.
( 56). 83%,

98%.
17% 2% ,
14,6%, ,
, .

000

000

2007
2008
2009
2010
2011

51.017
60.578
65.570
62.186
64.792

2.662.839
3.033.845
2.975.869
3.144.476
3.246.453

622.159
618.143
630.481
628.141
623.000

386
639
643
703
814

132.168
94.801
101.975
88.458
79.597

82
98
104
99
104

4.280
4.908
4.720
5.006
5.211

10. , -
2007.- 2011.

180

, ,
, 2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
111

___________________________________________________________________

19. -
2007 - 2011. 181

4.280 2007. 5.279 2011. ,
( 19).

82 2007. 104 2011 ,
, .
132.168
2007. 79.579 2011. .

,
, 109%,
27%.

181

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, 2007-2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
112

___________________________________________________________________

20. -
2007 - 2011. 182

2011.
2% 2007
0 1,8% ( 20).
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182

, ,
, 2007-2011, www.ano.me, ( 10.10.2012)

___________________________________________________________________
113

___________________________________________________________________

4.7.

2011. ,
110,7 , 2007.
100 11,5%,
2009. 100
97 .

.

21.
2007 - 2011. 183

( 21)
97,2% 2007. , 2011.
92,7%.

183

,
, , , 2007-2011, ( ),
www.aso.mk, ( 06.08.2012)

___________________________________________________________________
114

___________________________________________________________________

57.
2007 - 2011. 184

( 57)
18,4% 2007. 14% 2011.
.

,
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2011. 11
4
.

( 58),
. 81%
20%.

184

, aj
, , 2007-2011, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
115

___________________________________________________________________

58.
2011. 185

( 59)
.

59.
2011. 186

185

, aj
01.01-31.12.2011, , 2011, . 4, www.aso.mk, ( 06.08.2012)
186 , aj
01.01-31.12.2011, , 2011, . 4, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
116

___________________________________________________________________
8
90% 49%
41%. : 5% , 3% 2%
.
2007. 2,8
2,8%, . 2011. ,
8 7,3%,
,
. ,
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.

60.
2011. 187

( 60)

187

, aj
01.01-31.12.2011, , 2011, . 4, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
117

___________________________________________________________________
()
48%, 13%, 8%,
20%, 3%.
6%,
1%.
.

.

61..
2007 2011. 188

2011. 49 44%

( 61), . 2007.
46.9%, 2008. 49,3%
2009. 47,5%, 2010. 46,1%,
2011. 44,2%.

188

, aj
, , 2007-2011, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
118

___________________________________________________________________

62.
2007 2011. 189

2011. 1,2
, 2010. ( 62).

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189

, aj , , 20072011, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
119

___________________________________________________________________

4.7.1.

63.
2007 2011. 190

2007. 75% ( 63),

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64.
2011. 191

190

, , , , 20072011, www.aso.mk, ( 06.08.2012)

191 , aj
01.01-31.12.2011, , 2011, . 13, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
120

___________________________________________________________________
2011. , 14 ,
,
92%,
100% ( 64).

000

000

99.331
2007
104.634
2008
97.101
2009
2010 105.380
2011 110.703

5.917.290
6.735.557
6.446.317
6.942.682
7.503.203

2.027.163
2.051.647
1.981.653
2.066.275
2.050.056

1.057
1.262
1.283
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1.423

93.974
82.911
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49
51
49
51
54

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3.283
3.253
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11. , -
2007.- 2011.

22. -
2007 - 2011. 192

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. ( 22)

192

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, , 2007-2011, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
121

___________________________________________________________________
- 2.919 2007. 3.660
2011. . ,
49 2007. 54 2011. (
), 93.974
2007. 77.796 2011. ,
35%,
11%.

23. -
2007 - 2011. 193

1,5%
2007 1,8% ( 23).
,
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2,5% 2007.
4% 2011. ,
, ,
.

193

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, , 2007-2011, www.aso.mk, ( 06.08.2012)

___________________________________________________________________
122

___________________________________________________________________

___________________________________________________________________
123

___________________________________________________________________
2009.
1930.
1.6%, 2011.
0.8%.
2.7%, - ,
1.9%194.
2011.
106%,
2010. 102%.

-195.

65. 2011. 196

2011.
(1.204.670 $) 26.2% ( 65). 14.3%
(655.410 $), 7.0% (319.550 $),
5.9% (272.110 $), 5.3% (245.160 $),

0.02% (780 $) 79 .

194

195

Swiss Re, asopis Sigma, 2012, br. 3, str. 1

Swiss Re, asopis Sigma, 2012, br. 3, str. 10

196

Swiss Re, asopis Sigma, 2012, br. 3, str. 33

___________________________________________________________________
124

___________________________________________________________________

75% ,
25% .

.
(
80).

66.
2011. 197

197

Swiss Re, asopis Sigma, 2012, br. 3, str. 38

___________________________________________________________________
125

___________________________________________________________________
2011. 8.012 $ (6.192
) , , 7 $ (5 )
88 ( 66).
6.647 $ (5.137 ) 5.974 $ (4.616 ).

2.757 $ (2.131 ) ,
1.457 .
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276 47, 104 63 , 77
66 , 54 76 , 54 , 77
47 80 198.

198

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___________________________________________________________________
126

___________________________________________________________________

___________________________________________________________________
127

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6.1.
2011.


,
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2011. ,
()
17.360 , 10.205 .
10.000 ( 67).
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67. ()
2011. 199

199

2011.

___________________________________________________________________
128

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5.000 :
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- 3.100 .
20.630 .

68. 2011. 200

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2011. ( 68), 2.053 .
1.215
548 .
200
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200

2011.

___________________________________________________________________
129

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182 ,
: 111 , 67
65 .

69. 2011. 201

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( 69). 2011. 1.000

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80. , . 276
47 , 104 65,
54 76 77 202. ,
,

201

2011.
202 Swiss Re- ,

___________________________________________________________________
130

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2011. 2.130 , 1.457 ,
510 203.

70. -
2011. 204

- ( 70).

7.9%, 7,1%,
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.
1,3% -.
6%
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. : 2,7%,
2,1%, 2,0% 1,8%.

203

Swiss Re, asopis Sigma, 2012,br. 3, str. 38

2011.

204

___________________________________________________________________
131

___________________________________________________________________

71.
2011. 205

,
.
.

,
.

.
, 9,7% 3,4%
( 71).

205

2011.

___________________________________________________________________
132

___________________________________________________________________

72. 2011. 206

,
, , 1981.
.
252.000 207 1981. 337.000 2011.
89.000 1981. 115.000 2011. ( 72).

, , 1981.
.
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.

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206

2011.
207 , 72 33

___________________________________________________________________
133

___________________________________________________________________

73.
2011. 208

,
.

62%,
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, (
) 30%
( 73), 26%,

19%, 17,5%, 14%, 8%

7%.

208

2011.

___________________________________________________________________
134

___________________________________________________________________
2001.
1%209, 2009. 15%.
2011. ,

17,4%210 .

74.
2011 211

( 74) : 599 57.54%
, 323 ,

209

, ,
, , 2002, 6
210
, 2011. , , 2011, . 8. www.nbs.rs, (
8.09.2012)
211
2011.

___________________________________________________________________
135

___________________________________________________________________
30,54%, 33 , 2.87%,
5 0.37%, 95 ,
7.49%, 9 0.74% 8
, 0.45%.

, ,
.
.

75.
2011. 212

- ( 75).
, ,

212

2011.

___________________________________________________________________
136

___________________________________________________________________
,
.
.


16,5%, 70% .
32,5% ,
.

76.
2011 213

( 76),
, 1.115
35,4%, 395 ,

213

2011.

___________________________________________________________________
137

___________________________________________________________________
30,4%, 339 ,
2,8%, 31 .

70%,
4,1%, 46 .

.

77.
2011. 214

2011.
4.282 , 3.657
, 625 ,
14,6% ( 77).
,
16,3%, 4,9%.

214

2011.

___________________________________________________________________
138

___________________________________________________________________
262
,
199 111 .
53 , 8,5%.



( ),

.



.

,


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,


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. ,
.

.
215,
216. ()
1978.

., , ,
, d, , , 2009, . 473
216
, , 2010.
215

___________________________________________________________________
139

___________________________________________________________________
217.
: 16 ,
9 , 3 ,

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,

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,

. 62,5%,
80%, 93%. 2011.
780 , 384
140 , , , 30,5%
.
34%, 32% 26%
.
,
2008. , ,
. , ,
.
2008.
, ,
.
,
.


.

217 Levie

G., La directive europenne sur la coassurance du 30 mai 111978, Bulletin des Assurances, 11/12,
Bruxelles, 1977, . 750

___________________________________________________________________
140

___________________________________________________________________

78.
2011 218

2011.
.
22%,
17%. 8%,
2%,
( 78).
,

.

. ,
.

218

2011.

___________________________________________________________________
141

___________________________________________________________________

79.

2011 219

.
:
93% , 57% , 47% , 40%
39% .
10% 8%
4% ( 79).

,
.
, ,
50%.
.
37%

219

2011.

___________________________________________________________________
142

___________________________________________________________________
, 37%
21% .
, ,
,
.
.
220.

14%, 8%
4%.
( ) 2011.

( 80).

50% (63%) (50%).

: 44%
42%, 31%
.

80. 2011. 221

220

19.12. 2012. 45,48%

, www.sarajevoosiguranje.ba, ( 3.01.2013)
221

2011.

___________________________________________________________________
143

___________________________________________________________________

1981 1985. ,
52% 1981. 71% 1985. .

,
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81.
2011. 222

222

2011.

___________________________________________________________________
144

___________________________________________________________________
223
.
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n 82. ()
2011. 224

223

; ., , ,
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224
2011.

___________________________________________________________________
145

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().
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: 40,6% , 44% , 44,3% , 44,6%
, 44,8% 48,5% ( 82).
26%,
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,

.

(+) 10,1% 1981. 13,3% 1985.
.

n 83.
2011. 225

225

2011.

___________________________________________________________________
146

___________________________________________________________________

,
.

1973. ,
,
226.


.
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24,3%
36,7% ( 83).
(53,2%) (65,3%),
.

84. 2011. 227

., , , , 2012, . 82

2011.

226
227

___________________________________________________________________
147

___________________________________________________________________
Aaa o ( 84.) a o jee ooe oe je a
oaa a aae,

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1,2 ,
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,
___________________________________________________________________
148

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___________________________________________________________________
150

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6.2.

2011. 1981.

ao 85. oe ee -a
1981 2011. 231

- ( 85)
1981. 2011.,

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231

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___________________________________________________________________
151

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.
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10.205 . 5.279 ,
4.228 - ,
1981. ,
1981. .

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6.688 (8.654$). 2011
7.290.
2011.
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1981. -
2.371 , 7.496
3,2 . 2011.
17.345 , 2.961, 5,9
.
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.
- ,
( 86). 1981.
, 36,5%,
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,
.

___________________________________________________________________
152

___________________________________________________________________

ao 86. oe ee
1981 2011. 232

,
,
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.
1981.
2011. , ( 87),
1.000 276
.
, 54
55 ,
1981. .
2%
61 ,

232

,
, , 1987, .357 2011.

___________________________________________________________________
153

___________________________________________________________________
110 2011. .
2011. 9,47% 1981.
110 ,
116 2011. .

ao 87. oe ee
1981 2011. 233

2011.
200 .
2011
116
1.000
276 . 50%
.

233

,
, , 1987, .357 2011.

___________________________________________________________________
154

___________________________________________________________________

1981.
39 , 128 3,3
. 2011.
54 , 1.000
18,5 . - ,

.

ao 88 .oe ee
1981 2011. 234

1981. 15.378
( 88), 2011

34.013, .

234

,
, , 1983,.572, 2011.

___________________________________________________________________
155

___________________________________________________________________

?
.
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.
, .

2011. 1981. 40%. ,
,

.

ao 89 .oe ee
1981 2011. 235

235

,
, , 1983,.572, 2011.

___________________________________________________________________
156

___________________________________________________________________
1981.
2011. ,
( 89).
2011.
.
2011. 125.000 ,
(, , ),
.

15.387

34.013

2011.

337.000 , .
, ,
1981. .

ao 90. oe ee -
1981 2011. 236

236

,
, , 1983,.572, 2011.

___________________________________________________________________
157

___________________________________________________________________
- 1981. 2011.
( 90), . 1981.

- 5,5%, 5,8% 6,9%,
2011. -
5,8%, 1,5% 2,/%,
1981. .
- 1981.
,
. ,
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.
-.

91. ()
1981. 2011. 237

237

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___________________________________________________________________
158

___________________________________________________________________
()
( 91),
,
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1981.
10,1%.
2011.
,
18,6% ,
40,6% 48,5%,
238.
.
1981.


24%. 24, 48%
: , , ,
.
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.
.
.

.
2011.
.
26% 20%
. .
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.,
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238

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159

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,
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239, .
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239

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2006, . 69

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160

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161

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,
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240.
241,
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240

Kotler P., Keler K.,Marketing menadment, Data Status, 2006

241

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242

V., ,

; , , 1979
243

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___________________________________________________________________
162

___________________________________________________________________

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244

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163

___________________________________________________________________

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246

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245

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246 4 5, . 55/2004 ( )
247 ; ., , , , ,
2008, . 273
248 .,
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249 SWOT Analysis of Tied Agency, Source: Paper on distribution channel bu Dataminior, 199, Bimaquest, Vol.
VIII, Jan. 2008.

___________________________________________________________________
164

___________________________________________________________________
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7.1.
()
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256.
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167

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.
257.
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258.
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259

260.
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13.12.1976 2002/92 9.12.2003) ( 92/48
18.12.1991) , 261.

257

. .. . 177
W., Lojalna i nelojalna konkurencija u osiguranju, asopis Revija za pravo osiguranja, 2009, broj 34, str. 7
259
.
, . .
.
. : .
.
260 Oakes R. i Neville R., Insurance brokers, An Industru Accounting and Auditing Guide, The Institutes Publisher,
London, 1996, str. 20
261 ., , ,
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258Rohrbach

___________________________________________________________________
168

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ooo o oea oae oe
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oa oae oajee ooe ae, a aooaa e oaeje a
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2011. , www.ratel.rs
278 Trembly, Ara C., Why the insurance industry has failed in the online distribution channel, National Underwriter
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177

___________________________________________________________________

7.2.

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282

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179

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283.

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285.

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283

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284
285

., ; , 2011, www.ninamedia.rs, ( 27.07.2012)

Randy E. Dumm, Robert E. Hoyt, Insurance Distribution Channels, Makkets in Transition, 2002, str. 9

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180

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Tarasiuk-Flodrowska A., Bankoosiguranje na tritu EU i specifinosti poljskog prava, asopis Revija za pravo
osiguranja, 2011, broj 4, str. 6
288 . . . . 452

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181

___________________________________________________________________
,
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,
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289

1. 290

289

Fabrozzi F., Modigliani F., Ferri M., Fondation of Financial Markets and Institutions, Prentice Hall Int, London,
1994, sre. 136, preuzeto iz Koovi J.
290 ., , , ,
, , 2010, .10

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182

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2. 291

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292.

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291

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.

, (
- )295.

, ,
. :
.

30 50% .

293

, , , 2011, www.ninamedia.rs, (
27.07.2012)
294 ., . , , , 2006,
, -
295 ., , , , 2012, . 1,
.13

___________________________________________________________________
184

___________________________________________________________________
3 5
.
, ,

, , ( 94)
,


.

94.
1986 2005. 296

.


.
, ,
, ,
.

296

Davis, S.I., Operational Synergies in Bank/Insuranc Mergers: Dooes cross selling work, A presentation to the
EBR Forum, Davis International Banking Consultatnts, Milano, 2005

___________________________________________________________________
185

___________________________________________________________________

7.3.


, .
,
,

. ,
, ,

.

, ,
,
.
,
.
,
:
, ( ),
, ,
, .
,
,
.
.

,
297.
:

297

., ,
, , 2011, . 4

___________________________________________________________________
186

___________________________________________________________________

(, )

(

),

(
)

,
, ,
, .
:

all risk (
)298

298

all
risk . ,
( ).
,
.
,
.

___________________________________________________________________
187

___________________________________________________________________

7.3.1.



, .
,
, 299.


() .
.

300 2010. 301
:

,
, .
8%
. 5%
.

299

,

300 2012. 30%

,
.
301 , , , 2010

___________________________________________________________________
188

___________________________________________________________________
4,36%, 2,76%
0,09%.
(0,14%),
(0,14%), (0,10%) (0,09%)
( 95).
Posrednici
7,90%
Lizingkue
5,05%
Turistikeagencije
0,14%
FPKompanije bez
spoljnihsaradnika
79,48%

Spoljnisaradnici
20,52%

Udruenja
0,12%
Javnakomunalna
preduzea
2,76%
Drutvaza
zastupanjeiPR
4,36%
Banke
0,10%
pediteri
0,09%

95.
2010. 302

,
.
,
.
,
.

,
.
,
62%, 40%,

302

., . . . 6

___________________________________________________________________
189

___________________________________________________________________
12% 10%.
38%
2010. ( 96).

96.
2010. 303

. .
304,
305 .
,
.

,
. 100%,

( )
50%.

303

, , , 2010, .29
, 41/09 ( ).
305 22

304

___________________________________________________________________
190

___________________________________________________________________

, ,
,
,
.

97.
2010. 306

307.
,

. :
27%, 11%, 4%
58% ( 97).

306

, . . . 30
( )
.

.
.
.
307

___________________________________________________________________
191

___________________________________________________________________

98.
2011. 308

. ( 98)
, 7,1%,
2,6%, 0,4%.
28,3%,
22,0%, 23,6%.

20,7%, 6,8 4,1%
.


. ,

.

308

___________________________________________________________________
192

___________________________________________________________________

7.4.

,
.
: , ,
.

309.
, ,
, ,
,
, .

,
.
, ,
, , ,
, ,
. 310 ( 4 5),
,
311
.

., .,
, , , , , 2013, . 1, . 11
310 45. -,
5% .
,
.
311 44. -, ,
, .
309

___________________________________________________________________
193

___________________________________________________________________
,
,
.

.
, ,
.

,
.

.
, .

,

.
,
.
,

, .
, , .

.
,
.
,
,
, 312.

, .

.,
, / , , 2011, .117

312

___________________________________________________________________
194

___________________________________________________________________

( ),
, 313.
2010.
100%314.
,
315,
100,
.


.

.
,
.
.

,
.

,
, .

,
,

.

M., Osnovni principi poslovanja organizacije za osiguranje (sigurnost, likvidnost i rentabilnost), asopis
Osiguranje i privreda, 1991.
314 102, 220
315
, ,
, ,

313Bijeli

___________________________________________________________________
195

___________________________________________________________________
.

,
.

99.
2010. ,
316

( 99)

7,67% 34,40%
.
23,25%,

,
, .

. ,
.
4,55% () 19,09% ( ), 4%
(Porsche leasing) 31%(Hypo Alpe Adria Leasing).

316

., . . . 10-23

___________________________________________________________________
196

___________________________________________________________________

100.
2010. 317

5%
( 5.)
( 4.) ,

22,91%

),

26,58%

( ) 27,65% ( ) ( 100).

,
.
,
.

,
.

.

317

, , . . . 33

___________________________________________________________________
197

___________________________________________________________________

___________________________________________________________________
198

___________________________________________________________________
,
,
,
,
.
,
. ,
.

, ,
,
.
,
, ,
.
,
.
,
, .


.
.
,

.
,

, ,
.


, .
___________________________________________________________________
199

___________________________________________________________________
(
) , ,
,
.
. 2011. 17.000 ,
.
1981.
.

. 1990 2000.
, ,
.
, ,
.
,
.
.
, .
,
,

.
1994 2000. 40
318.


.
,
.
,
( ),
.

318

, ,
, , 2000, www.mfin.gov.rs, ( 13.06.2011)

___________________________________________________________________
200

___________________________________________________________________
,

. ,
: , ,
319.

,

, .
.
, ,
. ,
,
.
,

.

15%
,

. ,

, .
,

.

,
.

319

., ,
, , 2006, 260

___________________________________________________________________
201

___________________________________________________________________

8.1.

,
,
.
, .
, ,
,
.
,
,
,
: , ,
, , , , ,
, ,
.

,
. , :
, .
.
,
.

.
,
320 ,
, .
,
,

320

; ., ,
, , , 2010, . 26

___________________________________________________________________
202

___________________________________________________________________
,
.

,
, ,
.
( ),
.

,
.

___________________________________________________________________
203

___________________________________________________________________

8.2.


.
, ,
, , ,
.
,
.
, ,
je, .
1990
2000. .
, ,
.
1995.
.
.

. ,
,

.
89,

, 321
.
73
,
322.

321

322

89,
73,

___________________________________________________________________
204

___________________________________________________________________

,
,
. ,

,
, .


,
. ,

,
.
,
, .
, ,
.

.


.
.
, ,
323.
,
,
. ,

.
,

323

,
.

___________________________________________________________________
205

___________________________________________________________________
. ; .
,
. ,

, ,
.
,
.
;

, , .
,
, .

.
,
.
,
, ,
, .

, .
,

, ,


.

.
.
,
.
___________________________________________________________________
206

___________________________________________________________________

.
,
.
, .
,
,
.

101. ,
,
2011.

101, .
.
,
.
___________________________________________________________________
207

___________________________________________________________________
,

.
,
.
.
78%,
13%, 9%.
.

, .
, ,
,
15% .
,
17%
.

.
,
324.

( ).
,
.
,
.
,
.

324

,
,
, .

___________________________________________________________________
208

___________________________________________________________________
.
,

,
.
.
.

?
: , .
325.
.

.

,
.
.

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,
,
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.
, .

,
326.
.

325

; ., , ,
, , 2010, . 31
326
,
, .

___________________________________________________________________
209

___________________________________________________________________
, ,
.

.

.

.
,

.
, ,
.

.

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,

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( )
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.
___________________________________________________________________
210

___________________________________________________________________

, . ,
327, ,
,
, .
.

.
.
,
, 5%328.


, .
,
,
.

.
,
.

327

, 34/2010
5,387% 320. 100%
900
328

___________________________________________________________________
211

___________________________________________________________________

___________________________________________________________________
212

___________________________________________________________________

,
, ,

.
,

.

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.
.
,
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___________________________________________________________________
213

___________________________________________________________________
,
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___________________________________________________________________
214

___________________________________________________________________

9.1.


,
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?,
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:
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.

9.1.1.




,
.

___________________________________________________________________
215

___________________________________________________________________
,
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.

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9.1.2.


,
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___________________________________________________________________
216

___________________________________________________________________
,
,
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,
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,
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.
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(
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).

___________________________________________________________________
217

___________________________________________________________________

9.2.


,

,
329. ,
, ,
, .

.
, ,
.




.

> 1 ( 106 112%),
< 1 ( 88
98%), 2010.
( 102).
.

100%.

329

45 55%
,
.
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23-35%, , () 26%.

___________________________________________________________________
218

___________________________________________________________________

102.
2010..330

331
,
.
.
,

.
.

330

, , , ,
2010, , www.nbs.rs
331 ; ., ,
,
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___________________________________________________________________
219

___________________________________________________________________
.
,
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___________________________________________________________________
220

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332.

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12.02.2007.
.
,
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332

___________________________________________________________________
221

___________________________________________________________________
,
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,
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333.

,




334.

333

.
.
40% 60% .
.
334 .,
, , , 2007, . 2, . 38

___________________________________________________________________
222

___________________________________________________________________

___________________________________________________________________
223

___________________________________________________________________

, ,
.

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224

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___________________________________________________________________
225

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226

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227

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228

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( ) -
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___________________________________________________________________
229

___________________________________________________________________

,
,
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,

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,
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, )
, (.
,
, ).
___________________________________________________________________
230

___________________________________________________________________

___________________________________________________________________
231

___________________________________________________________________
(. bancassurance premium; . Bankasskuranz)
,

(. gross premium; . Bruttoprmie) oa o

oj oa aa oaa a eae
()
(. guarantee fund; . Garantiefonds)
: ,
,
.
.
(. guarantee fund; . fonds)


, ,

.

(e. vlluntary insurance; e. freiwilinge

Versicherung)
,

(e.

insurance

company;

e.

Versicherungsgesellschaft) (, )

(. life insurance; . Lebensversicherung)
,
(. combinet ratio; . Verhltnis Combined)
,
. 1
( 100%) .
___________________________________________________________________
232

___________________________________________________________________
(. solvency margin; . Solvabilittsspanne)

,
.
.
-

(.

non-life

insurance;

Nicht-

Lebensversicherung)
, : , ,
,

(. ratio of net; . Verhltnis von Netto)

.
,

(.

compulsory

insurance;

Pflichtversicherung)
,
(e. underwriting335; e. Zeichnung336)
,

(e.

self

retained

premium;

e.

Eigenbehaltsbeitrag)

(e. reinsurance; e. Rckversicherung)

.
.

aa M., (2000), - - -, ( ),
,
336 ., ., (1994), - , ( ), ,

335

___________________________________________________________________
233

___________________________________________________________________
(e. retention; e. Eigenbehalt) ,
,
,

(e. co-insurance; e. Mitversicherung) oo oe
e oaaa a oo ajee oe,

(e. technical reserve; e. technische Reserve)

,
,
, ,

(. association of insurers; . Verband der
Versicherer)

___________________________________________________________________
234

___________________________________________________________________

___________________________________________________________________
235

___________________________________________________________________

- a
AIDA
-

-







-

-
-
-
-
- ,











-
CEA

___________________________________________________________________
236

___________________________________________________________________

___________________________________________________________________
237

___________________________________________________________________
1.

1. ......................182

2.

2.
...................................................................................183

___________________________________________________________________
238

___________________________________________________________________

___________________________________________________________________
239

___________________________________________________________________
1. 1. , -
1981.-1985. ......................................................... 36
2. 2. ()

1982-1988. .......................................................... 38
3. 3. , -
1981.-1985. ....................................................... 41
4. 4. - 2011.
, % ......................... 52
5. 5. , -
2007.-2011. ....................................................... 62
6. 6. , -
2007.-2011. .................................................. 73
7. 7. , -
2007.-2011. ................................................. 83
8. 8. , -
2007.-2011. ....................................... 92
9. 9. , -
2007.-2011. .................................. 101
10. 10. , -
2007.-2011. ................................................ 111
11. 11. , -
2007.-2011. ............................................... 121

___________________________________________________________________
240

___________________________________________________________________

___________________________________________________________________
241

___________________________________________________________________
1. 1. -
1981. .......................................................................

32

2. 2.
1981. .........................................................................

33

3. 3.
1981. .................................................

34

4. 4. -
1981. .................................................

35

5. 5.
1981 1985. ..........................................................

37

6. 6. ()
1981 1985 ................................

40

7. 7.
1981 1985. ........................................................

42

8. 8.
2007 - 2011. .................

54

9. 9.
2011. ...............................

55

10. 10.
2011. ...................................

56

11. 11.
2011. ....................................................................

57

12. 12
2007 2011. ........................................................

58

13. 13. ()
2005-2011. ........

59

14. 14.
2007 2011. ........................................................

60

15. 15.
2007 2011. ....................

61

16. 16.

2011. .......................................................................

62

17. 17.
2007 - 2011. ............

66

18.
18. 2011. .............

67

___________________________________________________________________
242

___________________________________________________________________
19. 19.
2011. ..............................

67

20. 20.
2011. ..................................................................

68

21. 21.
2007 2011. ....................................................

69

22. 22.
2007 2011. ....................................................

70

23. 23.
2007 2011. ...............

71

24. 24.

2011. ........................................................................

72

25. 25.
2007 - 2011. ..........

76

26. 26.
2011. .........................

77

27. 27.
2011. .............................

78

28. 28.
2011. .................................................................

79

29. 29.
2007 2001. ..................................................

80

30. 30.
2007 2011. ..................................................

81

31. 31.
2007 2011. ..............

82

32. 32.

2011. .......................................................................

82

33. 33.
2007-2011. ...

86

34. 34.
2011. ................ 87
35. 35.
2011. .................... 88

___________________________________________________________________
243

___________________________________________________________________
36. 36.
2011. .......................................................

88

37. 37.
2007 2011. ........................................

89

38. 38.
2007 2011. ..........................................

90

39. 39.
20072011. ......

91

40. 40.
2011.
...................................................................................

91

41. 41.
2007 - 2011.
...........................................................................

95

42. 42.
2011. .........

96

43. 43.
2011. ...............

96

44. 44.
2011. ..................................................

97

45. 45.
2007 2011. ....................................

98

46. 46.
2007 2011. ....................................

99

47. 47.
2007 2011. ..... 100
48. 48.

2011. .................................................. 101
49. 49.
2007 - 2011. .......... 105
50. 50.
2011. ......................... 106
51. 51.
2011. ............................. 106
52. 52.
2011. ............................................................... 107
___________________________________________________________________
244

___________________________________________________________________
53. 53.
2007 2011. ................................................. 108
54. 54.
2007 2011. ................................................. 109
55. 55.
2007 2011. ............. 110
56. 56.

2011. ........................................................................ 111
57. 57.
2007 - 2011. ......... 115
58. 58.
2011. ........................ 116
59. 59.
2011. ............................ 116
60. 60.
2011. .............................................................. 117
61. 61.
2007 2011. ................................................ 118
62. 62.
2007 2001. ................................................ 119
63. 63.
2007 2011. ............ 120
64. 64.

2011. ..................................................................... 120
65. 65.
2011. ......................................................................... 124
66. 66.
2011. ......................................................................... 125
67. 67. ()
2011. .................................................... 128
68. 68. 2011. ... 129
69. 69.
2011. .................................................................. 130
70. 70. -
2011. ........................................................................ 121
___________________________________________________________________
245

___________________________________________________________________
71. 71.
2011. ....................................... 132
72. 72.
2011. .................................................................. 133
73. 73.
2011. .................................................... 134
74. 74.
2011 .................................................... 135
75. 75.
2011. ................................................... 136
76. 76.
2011 .................................................. 137
77. 77.
2011. ............................. 138
78. 78.

2011 ..................................................... 141
79. 77.

2011 ..................................................... 142
80. 80.
2011. ..................................................................... 143
81. 81.
2011. ....................................................... 144
82. n 82. ()
2011. ................ 145
83. n 83.
2011. .... 146
84. 84.
2011. .................................................... 147
85. ao 85 oe ee -a
1981 2011. ........................................ 151
86. ao 86. oe ee
1981 2011. ............................................. 153
87. ao 87. oe ee
1981 2011. .................. 154

___________________________________________________________________
246

___________________________________________________________________
88. ao 88. oe ee
1981 2011. ................... 155
89. ao 89. oe ee
1981 2011. ................. 156
90. ao 90. oe ee
- 1981 2011. ........................ 157
91. 91.
() 1981.
2011. ...................................................... 158
92. 92.
2000. 2012. ......................................................................... 176
93. 93.
2011. .................................. 177
94. 94.
1986 2005. ......................... 185
95. 95.
2010. ............... 189
96. 96.
2010. ...................
97. 97.
2010. .....

190
191

98. 98.
2011. ....... 192
99. 99.
2010.
........ 196
100. 100.
2010.
........................... 197
101. 101. ,
,
2011. ............... 207
102. 102.
2010. ........................................ 219

___________________________________________________________________
247

___________________________________________________________________

___________________________________________________________________
248

___________________________________________________________________
1. 1. -
1981 - 1985. ...........................

36

2. 2. -
1981 - 1985. .........................

41

3. 3.
2007 - 2011. ...............................................................

53

4. 4. -
2007 - 2011. ...............................

63

5. 5. -
2007 - 2011. ..............................

64

6. 6.
2007 - 2011. ...........................................................

65

7. 7. -
2007 - 2011. .........................

73

8. 8. -
2007 - 2011. .......................

74

9. 9.
2007 - 2011. ..........................................................

75

10. 10. -
2007 - 2011. .........................

83

11. 11. -
2007 - 2011. ......................

84

12. 12.
2007 - 2011. ...............................................

85

13. 13. -
2007 - 2011. ...............

92

14. 14. -
2007 - 2011. .............

93

15. 15.
2007 - 2011. ...........................................

94

16. 16. -
2007 - 2011. .......... 102
17. 17. -
2007 - 2011. ......... 103
18. 18.
2007 - 2011. ........................................................ 104

___________________________________________________________________
249

___________________________________________________________________
19. 19. -
2007 - 2011. .................. 112
20. 20. -
2007 - 2011. ....................... 113
21.

21.
2007 - 2011. ....................................................... 114

22. 22. -
2007 - 2011. ................... 121
23. 23. -
2007 - 2011. ............................. 122

___________________________________________________________________
250

___________________________________________________________________

___________________________________________________________________
251

___________________________________________________________________

1.

___________________________________________________________________
252

___________________________________________________________________

2.

___________________________________________________________________
253

___________________________________________________________________

3.

___________________________________________________________________
254

___________________________________________________________________

4.

___________________________________________________________________
255

___________________________________________________________________

5.

___________________________________________________________________
256

___________________________________________________________________

___________________________________________________________________
257

___________________________________________________________________

:
1. , , ,
, 2008
2. , , 1. ,
, , 2011
3. Bennett C., Dictionary of Insurance, Pitman Publishing, London, 1996
4. Berliner B., Die Grenzen der Versicherbarkeit von Risiken, Schweizer Rck,
Zrich, 1982
5. , , , ,
2002
6. Vance R. William, Handbook on the Law of Insurance, St. Paul, Minn.,1951
7. , ,
, , 2009
8. ,
,
/ , , 2001
9. , ,
, , 2007
10. , , , 1968
11. , , ,
, 2012
12. , ,
, , 2010
13. , , ,
, 2009
14. , ,
; , , 1979
15. Kotler Phillip, Keler K., Marketing menadment, Data Status, 2006
16. Koch Peter, Versicherungswirtschaft Ein einfhrender berblich, (5.
Auflage), Verlang Versicherungswirtschaft, Karlsruhe, 1998
17. ,
, , , 2006
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258

___________________________________________________________________
18.

, , , 2010
19. , - ,
, , 1990
20. aa Marija, - - , ( ),
, , 2000
21. , Excel, , , 2007
22. , , ,
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