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Translated Title

Solvency II and Holistic Risk Management

Please Note:

This article is in Slovenian.

Helena Bešter

Ključne besede

zavarovalnice, Solventnost II, celostno obvladovanje tveganj

Keywords

insurance companies, Solvency II, holistic risk management

Povzetek

Direktiva Solventnost II pomeni za zavarovalnice velik izziv, ki v temelju spreminja njihov dosedanji način poslovanja. V raziskavi smo proučevali kvalitativne zahteve t.i. drugega stebra in sicer vlogo, pomen in omejitve holističnega obvladovanja tveganj znotraj novega režima solventnosti. Študija primera, izvedena na slovenskem trgu, je potrdila, da je Solventnost II zunanji sprožilec, ki sili zavarovalnice k implementaciji sistema holističnega obvladovanja tveganj. Rezultati kvalitativne raziskave delno strukturiranih intervjujev z vodilnimi strokovnjaki iz panoge in nadzorne institucije kažejo, da vsakodnevne poslovne odločitve, ki vsebujejo tudi dimenzijo tveganj, lahko vodijo na višjo raven korporativnega upravljanja zavarovalnic.

Abstract

The Solvency II Directive poses a major challenge to insurance companies, fundamentally changing the way they currently do business. In the study, we examined the qualitative requirements of the so-called second pillar, namely the role, importance and limits of holistic risk management under the new solvency regime. A case study conducted in the Slovenian market confirmed that Solvency II is an external trigger forcing insurance companies to implement a holistic risk management system. The results of a qualitative analysis of partially structured interviews with leading industry experts and supervisory institutions show that everyday business decisions that also include a risk dimension can lead to a higher level of corporate governance in insurance companies.

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