STANJE I PERSPEKTIVE INDUSTRIJE OSIGURANJA U BOSNI I HERCEGOVINI

Znanstvene spoznaje i suvremena praktina svjetska iskustva u industriji osiguranja su poznate.

Koliko se od ovih spoznaja i iskustava primjenjuje ili moe primjenjivati u industriji osiguranja u
Bosni i Hercegovini? Koji faktori determiniraju postojee stanje i kakve su perspektive?
Postojee stanje u industriji osiguranja u BiH rezultanta je proteklih doganja koja su se vieslojno,
na poseban nain, odraavala na promatranu oblast i njene efekte.
Prvenstveni su utjecaj imali slijedei faktori: zakonska regulativa i stupanj njene dosljedne
primjene, dravno-politiko okruenje, stupanj i trendovi gospodarskog rasta i razvoja i stupanj i
trendovi financijskog trita. Sve ostale faktore moemo smatrati sekundarnim (a ima ih puno).
Znanstvene spoznaje i suvremena praktina svjetska iskustva nisu bile primarni limitirajui faktor
razvoja ove industrije. Problem je u njihovom ne prihvatanju i neadekvatnoj zakonskoj regulativi
(ukljuujui prvenstveno politike utjecaje). Sa zadovoljstvom se moe konstatirati da se krenulo
ka pozitivnim pomacima koji bi trebali prei u pozitivan trend.
Kakve su perspektive?
Sveukupnost tranzicijskih procesa u Bosni i Hercegovini i regionu, utjecaj procesa globalizacije i
primjerene liberalizacije, izravno e utjecati i na industriju osiguranja u BiH. Perspektiva je: u
neminovnoj zakonskoj harmonizaciji na prostorima cijele BiH i usklaenostima sa direktivama
Europske Unije, prihvatanje znanstvenih spoznaja i suvremenih praktinih iskustava u ovoj
oblasti, potpunom reinenjeringu postojeih drutava za osiguranje i institucija koje su u ovoj
industriji (agencija za nadzor, Biroa zelene karte, Aktuarskog drutva, Udruge drutava za
osiguranje i reosiguranje...), kadrovskoj osposobljenosti, tranziciji mirovinskog i zdravstvenog
sustava, jaanju i obogaivanju financijskih trita (koja su conditio sine qua non za drutva za
osiguranje) itd.
Bitno je naglasiti: za industriju osiguranja u BiH postoji trite i ivotna i gospodarska potreba.
Treba samo iznai prave naine za njen suvremen rad.
Dr. sc. eljko ain
Ekonomski fakultet u Sarajevu

CURRENT SITUATION AND PERSPECTIVES OF THE INSURANCE

INDUSTRY IN BiH

Theoretical achievements and contemporary international empirical results are well

known. How many of these achievements and experiences is being or can be
implemented in the insurance industry in BiH? Which factors determine current situation
and what are the perspectives?
Current situation in insurance industry in BiH is a result of previous events that have, in a
particular way, reflected on this area and its effects. The main influence had the following
factors: legislation and the degree of its actual implementation, political environment,
level and trends of economic development and level and trends in financial market. All
other factors can be considered as secondary (there are many of them). Theoretical
achievements and contemporary international empirical results were not the main
limitation of the development of this industry. The problem is in their non-

implementation and inadequate legislations (especially including political influences).

We can conclude with pleasure that some positive movements already started, which is
expected to turn into the positive trend.
What are the perspectives?
The entire set of transition processes in the BiH and region, effects of globalization
processes and adequate liberalization, will directly affect insurance industry in BiH. The
perspective is: inevitable harmonization of legislation at the BiH level and its
synchronization with EU directives, acceptance of theoretical achievements and
contemporary international empirical results in this sector, total reengineering of current
insurance companies and institutions in this industry (audit agency, Green Card Bureau,
Association of companies for Insurance and reinsurance, ), staff capacities, transition
of pension and health system, strengthening and enrichment of financial markets, (which
are sine qua non for insurance companies), etc.
It is important to stress: for insurance industry there is a market and economic need. Only
the right means for its contemporary work have to be found.

Zeljko Sain, PhD

Sarajevo Faculty of Economics