Pastaruoju metu labai svarbus draudimo įmonių finansinės padėties stabilumo klausimas, kuris aktualus ne tik pačioms įmonėms ar jas kontroliuojančioms institucijoms, bet ir mums – pavieniams draudėjams. Šio darbo tyrimo tikslas – ne gyvybės draudimo kompanijų mokumo įvertinimas. Lietuvos draudimo įmonių mokumas vertinamas taikant modelį, pagal kurį draudimo kompanijos finansinė padėtis laikoma stabilia, jei apskaičiuota turima mokumo atsarga yra didesnė už būtiną mokumo atsargą. Tokį mokumo atsargų palyginimą atliksime kelioms ne gyvybės draudimo kompanijoms. Tačiau kyla klausimas, ar toks Lietuvos draudimo įmonėms taikomas modelis yra pakankamai geras. Tuo verčia abejoti ir draudimo kompanijos „Ingo Balt“ bankrotas. Darbe apžvelgsime užsienyje taikomus mokumo vertinimo metodus, iš jų išskirsime tuos elementus, kurie neįtraukti arba nepakankamai įtraukti į Lietuvos draudimo įmonių mokumo vertinimą. / Although Lithuanian insurance market is pretty young and is only in its growth stage, but the process itself grows really fast compared to other economy areas. The purpose of this work is to review the tendencies and perspectives of solvency estimations development of Lithuanian non-life insurance companies. Insurance companies raise deposits and their excuse is that payoffs are increasing as well. A statistic analysis was made in this work to estimate the validity of this growth of deposits. It was estimated that payoffs do not depend on the number of made contracts and deposits. The estimation of solvency in Lithuanian insurance companies was made by using a model in which the financial state of an insurance company is hold as stable if the evaluated owned solvency store is bigger than essential solvency store. This type of solvency store comparison was made with several non-life insurance companies. But is this model suitable for insurance companies in Lithuania that is the main question. The main reason to doubt about it is the bankrupt of “Ingo Balt” insurance company. In this research I will look trough solvency evaluation models that are used in other countries and separate elements that are not enough or not at all included into solvency evaluation in Lithuania. Based on the methods that are used in other countries I will evaluate risk of interest rate and deposits in leading insurance companies in Lithuania.
| Identifer | oai:union.ndltd.org:LABT_ETD/oai:elaba.lt:LT-eLABa-0001:E.02~2007~D_20070816_142249-45423 |
| Date | 16 August 2007 |
| Creators | Beržinskaitė, Lina |
| Contributors | Saulis, Leonas, Valakevičius, Eimutis, Aksomaitis, Algimantas Jonas, Barauskas, Arūnas, Janilionis, Vytautas, Navickas, Zenonas, Pekarskas, Vidmantas Povilas, Rudzkis, Rimantas, Karpickaitė, Valerija, Dargis, Vytautas, Kaunas University of Technology |
| Publisher | Lithuanian Academic Libraries Network (LABT), Kaunas University of Technology |
| Source Sets | Lithuanian ETD submission system |
| Language | Lithuanian |
| Detected Language | English |
| Type | Master thesis |
| Format | application/pdf |
| Source | http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2007~D_20070816_142249-45423 |
| Rights | Unrestricted |
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