The aim of this paper is to measure the level of the development of insurance in Macedonia and re... more The aim of this paper is to measure the level of the development of insurance in Macedonia and reveal the factors that have influenced this insufficient level of the development of the insurance market compared to other Western Balkan countries and EU countries. The deep political and socio-economic transformations in countries in transition since the 1990s within the framework of structural reforms imposed essential changes in the system of social insurance as the foundation of the insurance market in general. The successful implementation of insurance in life, economy, business and other public spheres based on the regulations of the market economy in countries with low development levels, imposes the need to understand and learn more the practices of insurance markets based on the most successful experiences from more developed countries of the region, which have already become members of the EU. Financial instruments of the insurance market have great influence on the level of f...
The aim of this paper is to analyze the level of development of the insurance market in the two W... more The aim of this paper is to analyze the level of development of the insurance market in the two Western Balkan countries that have asymmetrical developmental, economic, social, security and insurance markets levels. This asymmetry of development and the insurance market is of interest to be analyzed as a result of the fact that these countries belong to the same region (Western Balkans), but Croatia is already the member of the EU and NATO for a decade while North Macedonia has a serious stagnation in Euro Atlantic integration that has had direct impacts on the risk and opportunity of developing the insurance market. The paper aims through a comparative approach to measure the level of the development of insurance market as an integral part of financial market and focus on the risks and opportunities that has influenced in market security developments to analyzed countries. Improved implementation of structural reform to analyzed countries and in particular reform in the life, prope...
The aim of this paper is to measure the level of the development of insurance in Macedonia and re... more The aim of this paper is to measure the level of the development of insurance in Macedonia and reveal the factors that have influenced this insufficient level of the development of the insurance market compared to other Western Balkan countries and EU countries. The deep political and socio-economic transformations in countries in transition since the 1990s within the framework of structural reforms imposed essential changes in the system of social insurance as the foundation of the insurance market in general. The successful implementation of insurance in life, economy, business and other public spheres based on the regulations of the market economy in countries with low development levels, imposes the need to understand and learn more the practices of insurance markets based on the most successful experiences from more developed countries of the region, which have already become members of the EU. Financial instruments of the insurance market have great influence on the level of f...
The aim of this paper is to analyze the level of development of the insurance market in the two W... more The aim of this paper is to analyze the level of development of the insurance market in the two Western Balkan countries that have asymmetrical developmental, economic, social, security and insurance markets levels. This asymmetry of development and the insurance market is of interest to be analyzed as a result of the fact that these countries belong to the same region (Western Balkans), but Croatia is already the member of the EU and NATO for a decade while North Macedonia has a serious stagnation in Euro Atlantic integration that has had direct impacts on the risk and opportunity of developing the insurance market. The paper aims through a comparative approach to measure the level of the development of insurance market as an integral part of financial market and focus on the risks and opportunities that has influenced in market security developments to analyzed countries. Improved implementation of structural reform to analyzed countries and in particular reform in the life, prope...
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