{"id":227894,"date":"2024-06-20T09:11:58","date_gmt":"2024-06-20T09:11:58","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=227894"},"modified":"2024-06-20T09:11:58","modified_gmt":"2024-06-20T09:11:58","slug":"costul-lipsei-de-asigurare-este-mai-mare-decat-costul-de-asigurare-tinta-pentru-o-piata-a-asigurarilor-de-10-mld-euro-ar-trebui-dublata-pentru-a-putea-vorbi-de-o-protectie-cat-de-cat-reala-in-romani","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=227894","title":{"rendered":"Costul lipsei de asigurare este mai mare dec\u00e2t costul de asigurare. \u0162inta pentru o pia\u0163\u0103 a asigur\u0103rilor de 10 mld. euro ar trebui dublat\u0103 pentru a putea vorbi de o protec\u0163ie c\u00e2t de c\u00e2t real\u0103 \u00een Rom\u00e2nia"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222;\">\u2666<\/span> Vremea cre\u015fterilor prin redistribuire ca urmare a falimentelor recente s-a \u00eencheiat, RCA-ul are un moment zero, dar plafonarea r\u0103m\u00e2ne pentru \u00eenc\u0103 trei luni cu \u015fanse de prelungire p\u00e2n\u0103 la finalul anului <span style=\"color:#b22222;\">\u2666<\/span> Pia\u0163a asigur\u0103rilor \u00eenc\u0103 este t\u00e2n\u0103r\u0103, deci predispus\u0103 la gre\u015feli <span style=\"color:#b22222;\">\u2666<\/span> Exsit\u0103 o nevoie de reechilibrare a balan\u0163ei pe diferite segmente de asigur\u0103ri <span style=\"color:#b22222;\">\u2666 <\/span>Asigur\u0103rile de r\u0103spundere civil\u0103 pentru companii \u015fi asigur\u0103rile de via\u0163\u0103 au poten\u0163ial \u015fi pot cre\u015ftere semnificativ.<\/strong><\/em><\/p>\n<p>\nPia\u0163a asigur\u0103rilor din Rom\u00e2nia \u00ee\u015fi men\u0163ine optimismul, \u00een ciuda dificult\u0103\u0163ilor din ultimii ani, ac\u0163ionarii \u00eenc\u0103 o privesc cu \u00eencredere pe termen lung \u015fi exist\u0103 deschidere de a investi \u00een continuare.<\/p>\n<p>\nPoten\u0163ialul de cre\u015ftere dup\u0103 redistribuirea pie\u0163ei RCA este consumat deja, anul 2024 este primul an postredistribu\u0163ie a pie\u0163ei dup\u0103 falimentele recente, iar RCA-ul este \u00een continuare o pia\u0163\u0103 care consum\u0103 multe resurse \u015fi dac\u0103 nu este normalizat\u0103 va \u0163ine \u00een loc dezvoltarea \u00eentregii pie\u0163e de asigur\u0103ri.<\/p>\n<p>\nNevoia de protec\u0163ie exist\u0103 \u015fi este evident\u0103 pe zona de r\u0103spundere civil\u0103, dar cererea este \u00een continuare prea mic\u0103.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22412135\/2\/1-panel-2-rca.jpg?height=427&#038;width=640\" style=\"width: 640px; height: 427px;\" \/><\/p>\n<p>\nAsigur\u0103rile de via\u0163\u0103 ar putea dep\u0103\u015fi asigur\u0103rile Casco ca volum al subscrierilor, iar exemplul altor pie\u0163e din regiune, unde ponderea asi\u00adgur\u0103rilor de via\u0163\u0103 reprezint\u0103 80% din volumele din portofolii, ar trebui s\u0103 seteze noi a\u015ftept\u0103ri pentru pia\u0163a local\u0103.<\/p>\n<p>\nAcestea au fost c\u00e2teva din subiectele discutate \u00een cadrul ZF Bankers Summit 2024, \u00een cea de-a treia zi dedicat\u0103 exclusiv asigur\u0103rilor.<\/p>\n<p>\n\u201eRom\u00e2nia este o pia\u0163\u0103 pe care ac\u0163ionarii o privesc cu \u00eencredere pe termen lung \u015fi de aici \u015fi deschiderea de a investi \u00een continuare, \u00een ciuda dificult\u0103\u0163ilor. Anul acesta ne a\u015ftept\u0103m s\u0103 fie primul an c\u00e2nd asigu\u0103rile de via\u0163\u0103 vor dep\u0103\u015fi pu\u0163in asigur\u0103rile Casco. La cinci luni, ritmul de cre\u015ftere accelereaz\u0103 asigur\u0103rile de via\u0163\u0103, fa\u0163\u0103 de primul trimestru, at\u00e2t cele care acoper\u0103 riscul de longevitate \u015fi deces, c\u00e2t \u015fi cele de investi\u0163ii, care sunt \u00eentr-o cerere fantastic\u0103 din partea pie\u0163ei\u201c, a explicat Virgil \u015eoncutean, CEO al Allianz-\u0162iriac.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22412135\/3\/1-panel-3-corporate.jpg?height=427&#038;width=640\" style=\"width: 640px; height: 427px;\" \/><\/p>\n<p>\nDin punctul de vedere al lui Sorin Mititelu, vicepre\u015fedinte al ASF responsabil de zona asigur\u0103rilor, pia\u0163a asigur\u0103rilor \u00eenc\u0103 este o pia\u0163\u0103 t\u00e2n\u0103r\u0103, iar f\u0103r\u0103 o baz\u0103 de capital nu se poate gestiona un sistem de asigur\u0103ri.<\/p>\n<p>\n\u201eInerent se fac gre\u015feli, fiind o pia\u0163\u0103 t\u00e2n\u0103r\u0103. Nota de plat\u0103 pentru falimente a fost destul de mare. Cam 1,2 miliarde euro a fost obliga\u0163ia de plat\u0103 a Fondului de Garantare a Asigura\u0163ilor pentru falimentele din ultimii ani \u015fi mai sunt de plat\u0103 800 milioane euro. Nu po\u0163i gestiona un sistem de asigur\u0103ri f\u0103r\u0103 o baz\u0103 de capital. Aceste falimente au consumat din baza de capital \u015fi au \u0163inut pe loc dezvoltarea pie\u0163ei\u201c, a detaliat Sorin Mititelu.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22412135\/4\/1-panel-4-asig-viata.jpg?height=427&#038;width=640\" style=\"width: 640px; height: 427px;\" \/><\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22412135\/5\/1-poza-generica-pag-1.jpg?height=427&#038;width=640\" style=\"width: 640px; height: 427px;\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pia\u0163a asigur\u0103rilor din Rom\u00e2nia \u00ee\u015fi men\u0163ine optimismul, \u00een ciuda dificult\u0103\u0163ilor din ultimii ani, ac\u0163ionarii \u00eenc\u0103 o privesc cu \u00eencredere pe termen lung \u015fi exist\u0103 deschidere de a investi \u00een continuare.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7467,7664,33110,8208,58094],"class_list":["post-227894","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-asigurare","tag-faliment","tag-piata-asigurarilor","tag-rca","tag-zf-asigurari-summit"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/227894","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=227894"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/227894\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=227894"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=227894"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=227894"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}