IZAZOVI OSIGURANJA U ERI KLIMATSKIH PROMENA

Univerzitet u Beogradu, Ekonomski fakultet Beograd, Srbija
Srbija

Univerzitet u Istočnom Sarajevu, Fakultet poslovne ekonomije Bijelјina, Republika Srpska, Bosna i Hercegovina
Bosna i Hercegovina

Univerzitet u Beogradu, Ekonomski fakultet Beograd, Srbija
Srbija


Apstrakt

Klimatske promene, prepoznate kao jedan od najvećih globalnih problema 21. veka, utiču na sve aspekte društveno-ekonomskog života, uklјučujući i delatnost osiguranja. Ovaj rad se fokusira na strategije koje sektor osiguranja može implementirati kako bi se suočio sa ovim složenim izazovima. Rad obuhvata širok spektar tema, počevši od analize uticaja klimatskih promena na delatnost osiguranja, do inovacija koje se primenjuju kao odgovor na ove promene. U okviru ovog istraživanja, poseban akcenat je stavlјen na koncept zelenog osiguranja. Zeleno osiguranje se posmatra kao potencijalni alat za ublažavanje klimatskih rizika, sa cilјem da se razume njegova moguća uloga u budućnosti osiguranja. Pored toga, istražuje se kako ovaj koncept može doprineti dugoročnoj održivosti sektora osiguranja, kao i širem cilјu smanjenja globalnih klimatskih rizika.

Ključne reči



Cijeli članak:


Reference


Allianz. (2023). Phasing Out of Fossil Fuels and Scaling Up Renewable Energy. https://www.allianz.com/en/sustainability/climate-change/energy-guidelines.html.

ARC. (2016). Risk Models. Drought. https://www.arc.int/drought.

Aznar-Siguan, G. & Bresch, D. N. (2019). CLIMADA v1: a global weather and climate risk assessment platform. Geoscientific Model Development. 12, 3085–3097.

Díaz, S., Settele, J., Brondízio, E., Ngo, H. T., Guèze, M., Agard, J., ... & Zayas, C. (2020). Global Assessment Report on Biodiversity and Ecosystem Services: Summary for Policymakers. IPBES secretariat, Bonn, Germany.

European Commission Joint Research Centre. (2023). Risk Data Hub: A GIS web platform of European wide risk data and methodologies for Disaster Risk Assessment. Preuzeto sa: https://drmkc.jrc.ec.europa.eu/risk-data-hub/.

Forbes. (2021). Transforming The Insurance Industry With Big Data, Machine Learning And AI. https://www.forbes.com/sites/randybean/2021/07/06/transforming-the-insurance-industry-with-big-data-machine-learning-and-ai/.

FSB. (2022). Climate Scenario Analysis by Jurisdictions. Initial findings and lessons. Financial Stability Board. https://www.ngfs.net.

Guerriero, R. & Penning‐Rowsell, E. (2020). Innovation in flood risk management: An ‘Avenues of Innovation’ analysis. Journal of Flood Risk Management. 14. 10.1111/jfr3.12677.

Insurance Information Institute. (2023). Green Insurance. https://www.iii.org/article/green-insurance.

IPCC. (2023). IPCC Sixth Assessment Report. Climate Change 2023 (AR6). https://www.ipcc.ch/report/ar6/syr/.

Lenton, T. M., Held, H., Kriegler, E., Hall, J. W., Lucht, W., Rahmstorf, S., & Schellnhuber, H. J. (2008). Tipping elements in the Earth's climate system. Proceedings of the National Academy of Sciences, 105(6), 1786-1793.

McKinsey & Company. (2023). On the brink: Realizing the value of analytics in insurance. McKinsey. https://www.mckinsey.com/.

Mills, E. (2005). Insurance in a climate of change. Science, 309, 1040-1044.

Munich Re. (2023). Natural disaster risks. Rising trend in losses. https://www.munichre.com/en/risks/natural-disasters-losses-are-trending-upwards.html.

Munich Re. (2023). Natural disaster risks. Rising trend in losses. https://www.munichre.com/en/risks/natural-disasters-losses-are-trending-upwards.html. Retrieved 2.05.2023.

Oasis Loss Modelling Framework. (2023). Our Modelling Platform. https://oasislmf.org/our-modelling-platform.

Pugnetti, C., Gebert, T., Hürster, M., Huizenga, E., Moor, M., Stricker, L., Winistörfer, H., & Zeier Röschmann, A. (2022). Leading the Green Insurance Revolution. ZHAW School of Management and Law.

Restor. (2023). Zurich Insurance Group: Partnering with Restor to track and share impact. https://restor.eco/partners/zurich-insurance-group.

Storlazzi, C. D., Reguero, B. G., Viehman, T. S., Cumming, K. A., Cole, A. D., Shope, J. B., Groves, S. H., Gaido, C. L., Nickel, B. A., & Beck, M. W. (2021). Rigorously Valuing the Impact of Hurricanes Irma and Maria on Coastal Hazard Risk in Florida and Puerto Rico. U.S. Geological Survey Open-File Report 2021–1056. U.S. Department of the Interior.

Surminski, S., & Oramas-Dorta, D. (2014). Flood insurance schemes and climate adaptation in developing countries. International Journal of Disaster Risk Reduction, 7, 154-164.

Swiss Re. (2023). Natural catastrophes and inflation in 2022: a perfect storm. Sigma, 1(2023).

Tešić, N., & Paunović, M. (2018). Possibilities of Measuring Catastrophic Risks. Insurance in the Post-crisis Era. Kočović, J., Jovanović Gavrilović, B., Boričić, B., Radović Marković, M. (eds.), Belgrade: Faculty of Economics, University of Belgrade, ISBN 978-86-403-1548-7, Chapter 15.

The Nature Conservancy & Willis Towers Watson. (2021). Wildfire Resilience Insurance: Quantifying the Risk Reduction of Ecological Forestry with Insurance. Preuzeto sa: https://www.nature.org/content/dam/tnc/nature/en/documents/FINALwildfireresilienceinsurance6.27.21.pdf.

The Nature Conservancy. (2021). A Post-Storm Response Reef Insurance Primer. https://www.nature.org/content/dam/tnc/nature/en/documents/A_POST_STORM_RESPONSE_REEF_INSURANCE_PRIMER_2021_final.pdf.

UNDRR. (2022). Global Assessment Report on Disaster Risk Reduction 2022: Our World at Risk: Transforming Governance for a Resilient Future. Geneva.

UNEP FI. (2022). Insuring the net-zero transition: Evolving thinking and practices. A white paper produced by the Net-Zero Insurance Alliance convened by UN Environment Programme’s Principles for Sustainable Insurance Initiative. United Nations Environment Programme Finance Initiative.

Zurich Insurance Group. (2023). Zurich Forest Project. https://www.zurich.com/en/corporate-responsibility/environmental-protection/zurich-forest-project.

Zurich North America. (2021). Mass timber is taking root in commercial construction. https://www.zurichna.com/knowledge/articles/2021/10/mass-timber-is-taking-root-in-commercial-construction.