Утицај премијске резерве на улагања у животно осигурање на Западном Балкану
Sažetak
Све већи значај животног осигурања у свету намеће све већу потребу за истраживањем у овој области, посебно на Западном Балкану где је тренд раста уско праћен животним осигурањем у последње две деценије. Узимајући у обзир да су компаније за животно осигурање значајни учесници на финансијском тржишту, овај истраживачки рад испитује утицај премијске резерве на обим финансијских улагања друштава за животно осигурање у земљама Западног Балкана, на основу збирних података на нивоу земље. У циљу тестирања његовог ефекта коришћени су модели линеарне корелације и регресије, на основу података прикупљених за период 2006-2016. Поред тога, компаративна анализа је коришћена за поређење положаја друштава за животно осигурање на финансијским тржиштима. Резултати добијени применом корелационе и регресионе анализе показали су да постоји јака позитивна корелација између премијских резерви и финансијских улагања у свим наведеним земљама региона. Овај резултат је важна стратешка смјерница за регулаторе и креаторе политике за напредак у сектору животног осигурања, као и на финансијском тржишту Западног Балкана.
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