Darbas paremtas realiais draudimo kompanijos duomenimis - išmokomis ir tarplaikiais tarp jų. Remiantis klasikiniu Sparre E.Andersen modeliu, mums pavyko atkurti draudimo kompanijos pelno dinamikos modelį. Pasinaudodami gauta formule generavome galimas situacijas su skirtingais parametrais ir ištyrėme jų įtaką. Gauti rezultatai patvirtino rizikos premijos ir pradinio kapitalo svarbą. / This work is about restoring insurance company‘s profit model. We had data consisting of claims and date of claims appearing. We managed to found appropriate density function. Density function was used to simulate dynamics of insurance company‘s profit with different parameters. The outcome was that ruin depends mostly on premiums rate and initial capital .

The Master's degree paper provides the analysis of pay system in State owned company Telšiai Region Roads; theoretical and practical aspects of its creation and implementation. The survey data allowed us to identify and evaluate employees’ expectations and state the drawbacks. To improve employees’ interest towards work an empirical research was carried out during which the main functions of work organization in a company were evaluated, related problems were identified as well as their causes and possible solutions to them. The research results confirmed the author's hypothesis that there are some considerable problems regarding creation and implementation of pay system in an organization, which hinders the state enterprise from successful further development.

<p>Prevencija u osiguranju motornih vozila postaje permanentan proces, koji se usavršava i nadograđuje. Povećan rizik prevara u osiguranju zahteva automatizaciju procesa osiguranja i procene šteta na motornim vozilima, kao i modelovanje samog procesa uz određen nivo razmene podataka. Funkcionisanje celokupnog sistema zavisi od definisanja elemenata koji dovode do povećanog rizika prevara u osiguranju motornih vozila. Uspostavljanje procesa automatizacije će takve rizike umanjiti i ublažiti a ujedno povećati i obim osiguranja. Na bazi dobijenih podataka će biti omogućeno filtriranje i blagovremena automatska selekcija a sistem primenjiv u osiguranju.</p> / <p>Prevention in motor insurance becomes a permanent process, which is<br />improved and upgraded. Increased risk of fraud in insurance claims process<br />automation and security assessments of damage to motor vehicles, as well<br />as the modeling of the process with a certain level of data exchange. The<br />functioning of the entire system depends on the definition of the elements<br />that lead to an increased risk of fraud in motor insurance. Establishment of<br />process automation will reduce such risks and also increase insurance<br />coverage. Based on the obtained data will be able to filter and timely<br />automatic selection and the system will be able to be effective in insurance.</p>