Lietuvos, Latvijos, Lenkijos draudimo rinkos rodiklių pokyčius lemiančius veiksnių analizė

LTStraipsnyje atliktas Lietuvos, Latvijos ir Lenkijos draudimo rinkų tyrimas apima daugelį aspektų. Atliktas Lietuvos, Latvijos ir Lenkijos draudimo rinkų tyrimas padeda atskleisti esamą šio sektoriaus situaciją šalyse, jo vystymąsi bei draudimo rinkos plėtrą. Šalių draudimo rodiklių tarpusavio palyginimas leidžia išskirti dominuojančią valstybę bei pažvelgti į Lietuvos draudimo rinką kitų nagrinėjamų šalių kontekste. Nustatyta, kad moksliniuose darbuose yra mažai nagrinėti veiksniai, darantys įtaką draudimo rinkai, todėl remiantis Lietuvos, Latvijos ir Lenkijos draudimo priežiūros komisijų, šalių statistikos departamentų, Eurostat, Swiss Re, Insurance Europe šaltinių 2000–2011 m duomenimis, identifikuoti pagrindiniai labiausiai draudimo rinką lemiantys ekonominiai ir specifiniai veiksniai bei nustatytas jų poveikio dydis Lietuvos, Latvijos bei Lenkijos šalyse, naudojant regresinę analizę.

ENThe article carried Lithuanian, Latvian and Polish insurance market survey covers many aspects. An Lithuanian, Latvian and Polish insurance market research helps reveal the current situation in the countries of the sector, its development and the development of the insurance market. Correlation between the parties to the insurance comparison allows to distinguish the dominant state and look at the Lithuanian insurance market in the context of the rest of the country . Problem. Lithuania, Latvia and Poland, the insurance market has shifted many market development and transformation stages, but there is a lack of detailed long-term analysis and comparison of these countries as well as market situation assessment, analysis of data held after the economic downturn. Although the Baltic insurance market is concerned, but in certain periods observed differences in development, so it is important to assess why the insurance market is evolving differently, what factors have the greatest influence on the development of insurance markets, whether these factors are equal and common to all the countries in the insurance markets Research methods of literary analysis, logical and systematic analysis of the summation method, statistical and ratio analysis, comparative analysis, dynamic, structural analysis, visualization method, correlation and multiple regression analysis. It was found that there is little scientific work , the factors affecting the insurance market , and on the basis of Lithuania , Latvia and Poland, the Insurance Supervisory Commission, the Department of Statistics, Eurostat , Swiss Re, Insurance Europe sources, 2000–2011, the data to identify the most basic insurance market determinants economic and specific factors and determine their impact on the size of Lithuania, Latvia and Poland, countries using regression analysis.It was found that multiple regression models in different countries mainly include different factors. According to the defined patterns of Latvia , Lithuania and Poland premiums per capita change during the investigation period depends on dissimilar factors. Latvia and Poland submitted models commonly recurring payroll factor as one of the most influencing changes in the density of the insurance market . Therefore, wages , i.e., Consumer income has a positive impact on the demand for insurance, as rising wages , increasing purchasing power , as well as income increases the opportunity for a larger share of income of pension contributions , investment- linked insurance products or asset cover. Specific insurance market factors into the analysis was significant, because the models are reflected as one of the main factors determining insurance density rate changes. Lithuanian , Latvian and Polish insurance market outlook assessment was carried out using a variety of institutions including the projections , assessment of market prospects further down in the year 2013. The countries of the insurance market is expected to grow.