IDEAS home Printed from https://ideas.repec.org/a/ces/ifosdt/v54y2001i24p5-14.html
   My bibliography  Save this article

Risikoübernahme - sollte der Staat bestimmte Versicherungsgarantien übernehmen?

Author

Listed:
  • Ray Rees
  • Martin Nell
  • Helmut Gründl
  • Hato Schmeiser
  • Michael Wolgast

Abstract

Nach den Terrorattacken vom 11. September sehen sich die privaten Erst- und Rückversicherer mit einer völlig veränderten Risikolage konfrontiert, die sie bisher bei ihren Kalkulationen außer Acht ließen. Dr. Michael Wolgast, Gesamtverband der Deutschen Versicherungswirtschaft, schlägt deshalb vor, dass der Staat eine »Art Resthaftung« übernehmen sollte. Diese sollte aber nach Meinung von Prof. Dr. Helmut Gründl und Dr. Hato Schmeiser, Humboldt-Universität Berlin, »nur von befristeter Natur sein« und dürfe, laut Prof. Dr. Martin Nell, Universität Hamburg, »keinesfalls zur Subventionierung von Wirtschaftszweigen eingesetzt werden«. Auch Prof. Ray Rees, Universität München, sieht die Gefahr, dass »staatliche Garantien für Versicherungsschutz Marktversagen eher noch verschlimmern als korrigieren« könnten.

Suggested Citation

  • Ray Rees & Martin Nell & Helmut Gründl & Hato Schmeiser & Michael Wolgast, 2001. "Risikoübernahme - sollte der Staat bestimmte Versicherungsgarantien übernehmen?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 54(24), pages 5-14, October.
    • Handle: RePEc:ces:ifosdt:v:54:y:2001:i:24:p:5-14
    as

    Download full text from publisher

    File URL: https://www.ifo.de/DocDL/ifosd_2001_24_1.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Robert W. Klein & Paul R. Kleindorfer, 1999. "The Supply of Catastrophe Insurance Under Regulatory Constraints," Center for Financial Institutions Working Papers 99-25, Wharton School Center for Financial Institutions, University of Pennsylvania.
    2. Sinn, Hans-Werner, 1986. "Risiko als Produktionsfaktor," Munich Reprints in Economics 19879, University of Munich, Department of Economics.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Nell, Martin & Richter, Andreas, 2004. "Catastrophic events as threats to society: Private and public risk management strategies," Working Papers on Risk and Insurance 12, University of Hamburg, Institute for Risk and Insurance.
    2. Nell, Martin, 2001. "Staatshaftung für Terrorrisiken?," Working Papers on Risk and Insurance 4, University of Hamburg, Institute for Risk and Insurance.
    3. Hans-Werner Sinn, 2002. "Risktaking, Limited Liability, and the Competition of Bank Regulators," FinanzArchiv: Public Finance Analysis, Mohr Siebeck, Tübingen, vol. 59(3), pages 305-329, August.
    4. Hans-Werner Sinn, 1996. "Social insurance, incentives and risk taking," International Tax and Public Finance, Springer;International Institute of Public Finance, vol. 3(3), pages 259-280, July.
    5. Siebert, Horst, 1989. "Liability issues in pollution control," Kiel Working Papers 350, Kiel Institute for the World Economy (IfW Kiel).
    6. Siebert, Horst, 1986. "Umweltschäden als Problem der Unsicherheitsbewältigung: Prävention und Risikoallokation," Discussion Papers, Series I 217, University of Konstanz, Department of Economics.
    7. Vijay Aseervatham & Patricia Born & Dominik Lohmaier & Andreas Richter, 2017. "Hazard-Specific Supply Reactions in the Aftermath of Natural Disasters," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 42(2), pages 193-225, April.
    8. Pies, Ingo, 2004. "Nachhaltige Politikberatung: Der Ansatz normativer Institutionenökonomik," Discussion Papers 2004-10, Martin Luther University of Halle-Wittenberg, Chair of Economic Ethics.
    9. Schradin, Heinrich R. & Hooma, Aaschuka & Malik, Alexander & Altuntas, Muhammed, 2010. "Die Bedeutung der Versicherungswirtschaft in Nordrhein-Westfalen - Teil 1: Überblick, Betriebe, Beschäftigte und Bruttobeiträge," Mitteilungen 1/2010, University of Cologne, Institute of Insurance Science.
    10. Romain Rancière & Aaron Tornell & Frank Westermann, 2008. "Systemic Crises and Growth," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 123(1), pages 359-406.
    11. Huber, Michael, 2004. "Reforming the UK flood insurance regime. The breakdown of a gentlemen's agreement," LSE Research Online Documents on Economics 36049, London School of Economics and Political Science, LSE Library.
    12. Andreani, Ettore & Neuberger, Doris, 2004. "Relationship finance by banks and non-bank institutional investors: A review within the theory of the firm," Thuenen-Series of Applied Economic Theory 46, University of Rostock, Institute of Economics.
    13. Patricia H. Born & Barbara Klimaszewski-Blettner, 2013. "Should I Stay or Should I Go? The Impact of Natural Disasters and Regulation on U.S. Property Insurers’ Supply Decisions," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 80(1), pages 1-36, March.
    14. Schwarze, Reimund & Wagner, Gert G., 2005. "Versicherungspflicht gegen Elementarschäden: Ein Lehrstück für Probleme der volkswirtschaftlichen Politikberatung," Discussion Papers 2005/4, Technische Universität Berlin, School of Economics and Management.
    15. Romain Rancière & Aaron Tornell & Frank Westermann, 2002. "Crises and growth: A re-evaluation," Economics Working Papers 852, Department of Economics and Business, Universitat Pompeu Fabra, revised Sep 2003.
    16. repec:zbw:uwhdps:232011 is not listed on IDEAS
    17. Homann, Karl, 2004. "Gesellschaftliche Verantwortung der Unternehmen: Philosophische, gesellschaftstheoretische und ökonomische Überlegungen," Discussion Papers 2004-6, Martin Luther University of Halle-Wittenberg, Chair of Economic Ethics.
    18. Siebert, Horst, 1987. "Haftung ex post versus Anreize ex ante: Einige Gedanken zur Umweltpolitik bei Unsicherheit," Discussion Papers, Series II 34, University of Konstanz, Collaborative Research Centre (SFB) 178 "Internationalization of the Economy".
    19. Hielscher, Stefan, 2009. "Morality as a factor of production: Moral commitments as strategic risk management," Discussion Papers 2009-14, Martin Luther University of Halle-Wittenberg, Chair of Economic Ethics.
    20. Hans-Werner Sinn, 2020. "Staatsverschuldung und dynamische Ineffizienz: Warum der Münchhausen-Trick nicht funktioniert," Wirtschaftsdienst, Springer;ZBW - Leibniz Information Centre for Economics, vol. 100(8), pages 572-576, August.
    21. Sauerland, Dirk, 2012. "Zur Beziehung von Akzeptanz, Gerechtigkeit und Leistungsfähigkeit der sozialen Marktwirtschaft," Wittener Diskussionspapiere zu alten und neuen Fragen der Wirtschaftswissenschaft 23/2012, Witten/Herdecke University, Faculty of Management and Economics.

    More about this item

    Keywords

    Versicherung; Rückversicherung; Risiko; Staat;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ces:ifosdt:v:54:y:2001:i:24:p:5-14. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Klaus Wohlrabe (email available below). General contact details of provider: https://edirc.repec.org/data/ifooode.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.