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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
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    References listed on IDEAS

    as
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    2. Sinn, Hans-Werner, 1986. "Risiko als Produktionsfaktor," Munich Reprints in Economics 19879, University of Munich, Department of Economics.
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    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

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