Control of Risk and Insurance / Kontrola rizika i osiguranje

Vladimir Čolović

Апстракт


The realization of the risk depends primarily on its nature. But the risk can be multiplied, making it harder to control. Risk control and possibility to influence of its realization is one of the most complex operations, not just for insurance companies, but, also, for all subjects in society. The risk always threatens, no matter what consists and when and where it can achieve. We must study the risk, in the first place, from the aspect of the insurer, which is the his main activity (referring to the coverage of risks), but, also, we have to observe and protect against risk across the enterprise, legal persons, in general. This paper talks about risk control methods and ways of managing risk in the insurance companies, as well as the other legal entities, who seek protection from risks, primarily in insurance companies, but they must defined, the other models of protection. Also, this paper pays attention to one of the important acts when it comes to control risk by the insurer. This is the EU directive No. 2009/138/EC, which is called “Solvency II” and aimed at introducing a comprehensive risk management in order to protect the policyholders. The conclusion of this paper refers to the fact that the risk can be controlled and that the protection does not consist only in insurance, as well as, in coinsurance and reinsurance, but also in preventing, or, in taking action to reduce risks and damages.

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DOI: http://dx.doi.org/10.7251/GFP1202124C

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UDK: 34

ISSN 2232- 9668          EISSN 2232-9684

Izdavač/Published by
Panevropski univerzitet ’’Apeiron’’ Banja Luka
/Pan-European University ’’Apeiron’’ Banja Luka
Pere Krece 13, 78000 Banja Luka, Bosna i Hercegovina
www.apeiron-uni.eu

Odgovorno lice izdavača
Darko Uremović, Bosna i Hercegovina

Urednik izdavača
Dr Aleksandra Vidović, Bosna i Hercegovina

Glavni i odgovorni urednik
Prof. dr Vladimir Čolović, Bosna i Hercegovina

Zamjenik glavnog i odgovornog urednika
Prof. dr Duško Medić, Bosna i Hercegovina

Urednik
Dr Aleksandra Vidović 

Izdavački savjet

Akademik prof. dr Rajko Kuzmanović, Bosna i Hercegovina
Prof. Dr. habil. Dr. Wolfgang Rohrbach, Austrija
Mr Siniša Aleksić, Bosna i Hercegovina
Darko Uremović, Bosna i Hercegovina
Prof. dr Esad Jakupović, Bosna i Hercegovina
Prof. dr Ilija Babić, Srbija
Prof. dr Danče Manoleva-Mitrovska, Makedonija
Prof. dr Drago Radulović, Crna Gora
Prof. dr Ljubinko Mitrović, Bosna i Hercegovina
Prof. dr Duško Medić, Bosna i Hercegovina

Uređivački odbor

Prof. dr Vladimir Čolović, Bosna i Hercegovina
Prof. dr Duško Medić, Bosna i Hercegovina
Prof. dr Ljubinko Mitrović, Bosna i Hercegovina
Akademik prof. dr Zoran Rašović, Crna Gora
Prof. dr Vlado Belaj, Hrvatska
Prof. dr Stanko Bejatović, Srbija
Prof. dr Vesna Rijavec, Slovenija
Prof. dr Tatjana Zoroska-Kamilovska, Makedonija
Prof. dr Dragan Jovašević, Srbija
Prof. dr Jovan Ćirić, Srbija

Lektor Prof. Tanja Ančić

Tehnički urednik Sretko Bojić

Web dizajn Siniša Kljajić

Rješenjem Ministarstva prosvjete i kulture Republike Srpske br: 07.030-053-85-4/11, od 04. 05. 2011. godine, “Godišnjak Fakulteta pravnih nauka” Banja Luka, upisan je u Registar javnih glasila pod rednim brojem 614.

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