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Zarządzanie kryzysowe w sektorze ubezpieczeniowym – o upadłości i resolution ubezpieczycieli w Polsce

Author

Listed:
  • Magdalena Kozińska

    (Szkoła Główna Handlowa w Warszawie)

Abstract

Studia literatury oraz analiza przypadków potwierdzają, że sektor ubezpieczeniowy nie jest wolny od problemów finansowych i zagrożenia upadłością funkcjonujących w nim zakładów. Upadłości te prowadzą zazwyczaj do reformy uprawnień instytucji tworzących sieć bezpieczeństwa finansowego. Rekomendacje międzynarodowe wskazują na potrzebę stworzenia systemu zarządzania kryzysowego w sektorze ubezpieczeniowym. W Unii Europejskiej przygotowano projekt dyrektywy IRR (IRRD), której celem będzie stworzenie ram restrukturyzacji i uporządkowanej likwidacji (ang. resolution) zakładów ubezpieczeń. Celem artykułu jest ocena rozwiązań z zakresu zarządzania kryzysowego przez sieć bezpieczeństwa finansowego dostępnych dla rynku ubezpieczeniowego w Polsce oraz wskazanie rekomendowanych kierunków ich zmian. Przeprowadzona analiza wskazuje, że obowiązujące w Polsce rozwiązania nie są optymalne i nie zapewniają efektywnego zarządzania sytuacją kryzysową w sektorze ubezpieczeniowym. Stworzenie systemu resolution odpowiadającego specyfice sektora ubezpieczeniowego mogłoby wyeliminować zidentyfikowane problemy. Wskazano też, w jaki sposób stworzenie systemu resolution wpłynęłoby na zakłady ubezpieczeniowe.

Suggested Citation

  • Magdalena Kozińska, 2023. "Zarządzanie kryzysowe w sektorze ubezpieczeniowym – o upadłości i resolution ubezpieczycieli w Polsce," Bank i Kredyt, Narodowy Bank Polski, vol. 54(6), pages 673-696.
    • Handle: RePEc:nbp:nbpbik:v:54:y:2023:i:6:p:673-696
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    References listed on IDEAS

    as
    1. Aleksandra Nadolska, 2022. "Czy Polska potrzebuje nadzoru finansowego typu Twin Peaks?," Bank i Kredyt, Narodowy Bank Polski, vol. 53(2), pages 203-230.
    2. Faisal Baluch & Stanley Mutenga & Chris Parsons, 2011. "Insurance, Systemic Risk and the Financial Crisis," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 36(1), pages 126-163, January.
    3. Bogdan FIRTESCU, 2014. "Crisis Effects To Insurance Market," Journal of Public Administration, Finance and Law, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 0(Special i), pages 85-91, September.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    resolution; dyrektywa IRR; IRRD; recovery; naprawa; restrukturyzacja i uporządkowana likwidacja; sektor ubezpieczeniowy; ochrona ubezpieczonych;
    All these keywords.

    JEL classification:

    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G33 - Financial Economics - - Corporate Finance and Governance - - - Bankruptcy; Liquidation

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