Avaliação do potencial de investimento de uma organização de seguros: um estudo de caso dos tipos de seguro de transporte

Autores

DOI:

https://doi.org/10.20397/2177-6652/2024.v24i3.2824

Palavras-chave:

Seguro, potencial de investimento, Seguro de transporte, Gestão de fundos, Impacto regulatório

Resumo

Objetivo: Este estudo visa avaliar o potencial de investimento das organizações de seguros, particularmente aquelas que oferecem seguros de transporte, definindo o potencial de investimento e explorando sua formação e distribuição dentro do setor.

Métodos: Um método qualitativo é empregado, incorporando uma abordagem orientada ao sujeito para analisar o potencial de investimento das organizações de seguros. Isso inclui revisar definições existentes, examinar impactos regulatórios e desenvolver um método para distribuir o potencial de investimento com base em dados da organização de seguros. O estudo utiliza principalmente dados do setor de seguros russo.

Resultados: Os resultados revelam desafios significativos no mercado de seguros russo, como desenvolvimento pobre e ineficiências de gestão. Apesar desses problemas, o estudo identifica estratégias para otimizar o potencial de investimento por meio de uma gestão estratégica de fundos e reservas, que são críticos para sustentar a estabilidade financeira e cumprir as obrigações com os segurados.

Conclusão: A pesquisa conclui que aprimorar o potencial de investimento das organizações de seguros requer uma combinação de gestão estratégica de fundos e aderência aos padrões regulatórios, o que facilitaria uma utilização mais eficaz dos recursos e apoiaria o crescimento e estabilidade geral do setor de seguros.

Biografia do Autor

Maksim Dendiberya, Higher Economics School, Pacific National University, Russia.

Higher Economics School, Pacific National University, Russia.

Olga Grineva, Department of Advertising, Public Relations and Design, Plekhanov Russian University of Economics, Russia.

Department of Advertising, Public Relations and Design, Plekhanov Russian University of Economics, Russia.

Elena Khimich, Laboratory of Marketing Research of the Transport Complex of the Far Eastern Region, Far Eastern State Transport University, Russia.

Laboratory of Marketing Research of the Transport Complex of the Far Eastern Region, Far Eastern State Transport University, Russia.

Olga Sidorenko, Higher Economics School, Pacific National University, Russia.

Higher Economics School, Pacific National University, Russia.

Marina Bulanova, Department of Management and Public Administration, Far Eastern Institute of Management, Branch of the Russian Presidential Academy of National Economy and Public Administration, Russia.

Department of Management and Public Administration, Far Eastern Institute of Management, Branch of the Russian Presidential Academy of National Economy and Public Administration, Russia.

Referências

Bank of Russia. (2020). Regulation of January 10, 2020 No. 710-P “On certain requirements for insurers’ financial stability and solvency”. https://cbr.ru/statichtml/file/33036/710-p.pdf

Gomez, F., & Penalva, J. (2015). Tort reform and the theory of coordinating tort and insurance. International Review of Law and Economics, 43, 83-97. https://doi.org/10.1016/j.irle.2015.04.005

Ilkevich, S. V., Listopad, E. Y., Malinovskaya, N. V., Rostovtseva, P. P., Drobysheva, N. N., & Borisov, A. V. (2022). Financial risk and profitability management in Russian insurance companies in the context of digitalization. Risks, 10(11), 214. https://doi.org/10.3390/risks10110214

Khoruzhy, L., Katkov, Y., Romanova, A., Katkova, E., & Dzhikiya, M. (2022). Adaptive management reporting system in inter-organizational relations of agricultural enterprises according to ESG principles. Journal of Infrastructure, Policy and Development, 6(2), 1649. http://dx.doi.org/10.24294/jipd.v6i2.1649

Kiseleva, I., Tramova, A., Gryzunova, N., Romanchenko, O., & Tsetsgee, B. (2023). Efficient risk assessment and management strategies for economic stability. Revista Gestão & Tecnologia, 23, 218-232.

Lednitsky, A. V., Kupriyan, S. V., & Silvanovich, I. A. (2018). Podkhody k opredeleniyu i otsenke investitsionnogo potentsiala predpriyatiya [Approaches to determining and assessing the investment potential of an enterprise]. Proceedings of BSTU. Series 5: Economics and Management, 1(208), 119-125.

Ling, T., Fan, L., & Yingfang, X. (2012). On economic capital allocation for property insurance: From aspect of underwriting risks in financial engineering. Systems Engineering Procedia, 4, 46-53.

Luciano, E., & Rochet, J. C. (2022). The fluctuations of insurers’ risk appetite. Journal of Economic Dynamics and Control, 144, 104543. https://doi.org/10.1016/j.jedc.2022.104543

Lyshchikova, J., Stryabkova, E., Vladyka, M., Kulik, A., & Bondareva, Y. (2020). Gestión estratégica de la especialización inteligente en el desarrollo económico regional: Conexión de competencias exportadoras, sectoriales, científicas y tecnológicas [Strategic management of smart specialization in regional economic development: Connection of export, sectoral, scientific, and technological competences]. Nexo Revista Cientifica, 36(5), 180-192. http://dx.doi.org/10.5377/nexo.v36i05.17307

Ministry of Finance of the Russian Federation. (2005a). Order of the Ministry of Finance of the Russian Federation of August 8, 2005 No. 100-n “On approval of the Rules for the placement of insurance reserves”. https://minfin.gov.ru/ru/document/?id_4=3879-prikaz_minfina_rossii_ot_08_avgusta_2005_g.__100n&ysclid=lt7n1ajczf229217249

Ministry of Finance of the Russian Federation. (2005b). Order of the Ministry of Finance of the Russian Federation of December 16, 2005 No. 149-n “On approval of the requirements for covering the insurer’s own funds”. Finansovaya gazeta [Financial newspaper] February, 2006 No. 5.

Mityakov, S., Bolonicheva, T., Kolesov, K., Mityakova, O., & Murashova, N. (2023). El análisis comparativo de los modelos de transformación ESG de sistemas socioeconómicos en varios países [The benchmarking analysis of ESG transformation models of socio-economic systems in various countries]. Nexo Revista Científica, 36(05), 147-168. https://doi.org/10.5377/nexo.v36i05.17303

Nabokikh, A., & Ryattel, A. (2023). Mejora de la eficacia de la toma de decisiones de gestión: Desarrollo de un modelo de simulación de una explotación de champiñones cultivados [Improving the efficiency of management decision-making: Developing a simulation model of a cultivated mushroom farm]. Nexo Revista Científica, 36(03), 374-382. https://doi.org/10.5377/nexo.v36i03.16460

Ostrowska, M., & Mazur, S. (2015). Diversified risk management. Procedia Economics and Finance, 23, 615-621. https://doi.org/10.1016/S2212-5671(15)00370-6

Puzanova, Z., & Trifonova, M. (2021). Rol' strakhovaniya v sotsial'no-ekonomicheskoy sisteme [The role of insurance in the social-economic system]. Bulletin of the Peoples' Friendship University of Russia. Series: Sociology, 20(4), 877-888. https://doi.org/10.22363/2313-2272-2020-20-4-877-888

Sapfirova, A. A., Volkova, V. V., Petrushkina, A. V., & Vasilyeva, E. G. (2022). Prevención de las violaciones del derecho a la protección laboral: Factores determinantes para preservar la salud de los trabajadores [Preventing violations of the right to labor protection: Determining factors in preserving employee health]. Interacción y Perspectiva, 12(2), 214-221.

Sokolova, M., Fatyanov, A., Makeev, A., Blinova, E., Gorlova, Y., & Alimamedov, E. (2022). Seizing securities in criminal proceedings of the Russian Federation: Theory and practice. Jurnal Cita Hukum, 10(1), 77-90. https://doi.org/10.15408/jch.v10i1.25286

Spurr, S. J. (2021). Subrogation and its consequences for tort litigation. International Review of Law and Economics, 67, 106002. https://doi.org/10.1016/j.irle.2021.106002

Vandervorst, F., Verbeke, W., & Verdonck, T. (2022). Data misrepresentation detection for insurance underwriting fraud prevention. Decision Support Systems, 159, 113798. https://doi.org/10.1016/j.dss.2022.113798

Vilkov, I., Liman, I., & Kiselitsa, E. (2023). Loan debt burden of the population in constituent entities of the Russian Federation. Relações Internacionais no Mundo Atual, 1(39), 174-195.

Vilkov, V. B., Chernykh, A. K., Malygin, I. G., Motorygin, Y. D., & Skripka, A. V. (2021). La eliminación de las consecuencias de las emergencias de transporte [The elimination of the consequences of transport emergencies]. Nexo Revista Científica, 34(06), 1677-1688. https://doi.org/10.5377/nexo.v34i06.13128

Vinnikova, I. S., Kuznetsova, E. A., & Oshchepkova, Yu. V. (2018). Investitsionnyy kapital i investitsionnyy potentsial predpriyatiya: Otsenochnyy aspect [Investment capital and investment potential of an enterprise: An assessment aspect]. Economics and Entrepreneurship, 3, 1212-1216.

Downloads

Publicado

2024-05-01

Como Citar

Dendiberya, M., Grineva, O., Khimich, E., Sidorenko, O., & Bulanova, M. (2024). Avaliação do potencial de investimento de uma organização de seguros: um estudo de caso dos tipos de seguro de transporte. Revista Gestão & Tecnologia, 24(3), 268–279. https://doi.org/10.20397/2177-6652/2024.v24i3.2824

Edição

Seção

CASO DE ENSINO