Acta academica karviniensia 2020, 20(1):31-46 | DOI: 10.25142/aak.2020.003

Způsoby hodnocení mezinárodních rizik na pojišťovacím trhu

Michaela Petrová, Martina Krügerová, Michal Kozieł

VSB – Technical University of Ostrava, Faculty of Economics, Sokolská třída 33, 701 21 Ostrava

Today, insurance companies are looking for new approaches to risk insurance so that the risk remains insurable and at the same time does not endanger the existence of the insurance company itself. Every risk must be evaluated by the insurance company as best as possible. Insurance companies have their own methodologies for assessing international risks, which show differences. Each insurance company tries to ascertain the most accurate quantitative and qualitative data in order to analyse the potential risk in depth. Evaluation is the basis for setting prices, country risk limits and, if necessary, has an impact on the specific definition of risk acceptance conditions. The aim of the article is to analyse and evaluate the methods and approaches of insurance companies on the basis of data obtained from databases of OECD and selected credit insurance companies. Further assess from the perspective of the exporter whether these methods are important in his deciding during the implementation of a specific business case. The result is the finding that the risk evaluations of insurance companies are beneficial for the exporter in terms of assessing the planned intention to export to the territory.

Klíčová slova: export, insurance market, international risk.

JEL classification: F13, F36, F53, K33

Vloženo: 5. říjen 2020; Revidováno: 2. prosinec 2020; Přijato: 16. prosinec 2020; Zveřejněno: 17. prosinec 2020  Zobrazit citaci