Globalna kriza i strateška prilagođavanja automobilske i industrije osiguranja

Evropska revija za pravo osiguranja 1 /2025, (str. 55-63) 

АУТОР: Nevenka VOJVODIĆ – MILJKOVIĆ*, Milica MILORADOVIĆ-, Dejan MANDIĆ**

* Visoka škola za poslovnu ekonomiju i preduzetništvo, Beograd; ** Triglav osiguranje a.d.o, Beograd

Download Full Pdf                  Download Full Pdf (ENG)   

DOI: 10.46793/ERPO2401.55VM

САЖЕТАК: 

Globalna kriza izazvana pandemijom Kovid-19, specijalnom operacijom u Ukrajini, geopolitičkim tenzijama na Bliskom istoku i trgovinskim sukobima izazvala je značajne poremećaje u automobilskoj i industriji osiguranja. Kriza je dovela do povremenih poremećaja u lancima snabdevanja, inflacionih pritisaka i promena u ponašanju potrošača, što je zahtevalo brze reakcije od strane ovih industrija kroz inovacije i prilagođavanje poslovnih politika novim okolnostima. U radu je predstavljena uporedna analiza uticaja uzroka krize na globalna tržišta automobila i osiguranja, sa posebnim osvrtom na ta tržišta unutar Evropske unije. Na osnovu analize uticaja globalne krize, rad daje preporuke za strateška prilagođavanja automobilske i industrije osiguranja kako bi se postigla njihova dugoročna otpornost na buduće globalne šokove.

КЉУЧНЕ РЕЧИ:

globalna kriza, lanci snabdevanja, automobilska industrija, osiguranje

ЛИТЕРАТУРА:

  • Acea – Driving mobility for Europe. (2024). The automobile industry pocket guide 2024/2025, https://www.acea.auto/ files/ACEA-Pocket-Guide_2024-2025.pdf, 1. 3. 2025.
  • Allianz Hrvatska. (2024). Allianz Globalno izvješće o osiguranju za 2024. godinu: Godine promjene, https://www.allianz.hr/ hr_HR/privatni-korisnici/o-nama/press/Priopcenje_za_medije_Allianz_Globalno_izvjesce_o_osiguranju_za_2024_ godinu_Godine_promjene.html, 16. 10. 2024.
  • Ascari G., Bonam D., Smadu A. (2024). “Global supply chain pressures, inflation, and implications for monetary policy”, Journal of International Money and Finance, 142, 1-25.
  • Auzzir Z.A.,Haigh R.P., Amaratunga D. (2014). „Public-private partnerships (PPP) in disaster management in developing countries: a conceptual framework“, 4th International Conference on Building Resilience, Salford Quays, United kingdom, 807-814.
  • Canadian Institute of Actuaries. (2022). 15th Emerging Risk Survey, https://www.soa.org/4a2a24/globalassets/assets/ files/resources/research-report/2022/15th-survey-emerging- risks.pdf, 23. 3. 2025.
  • Cheng, A. L., Fuchs, E. R. H., Karplus, V. J., Michalek, J. J. (2024). „Electric vehicle battery chemistry affects supply chain disruption vulnerabilities“, Nature Communications, 15 (2143). https://doi.org/10.1038/s41467-024-46418-1, 25. 1. 2025.
  • Deloitte. (2022). Supply chain implications of the Russia- Ukraine conflict, https://www2.deloitte.com/us/en/insights/ focus/supply-chain/supply-chain-war-russia-ukraine.html, 8. 2024.
  • Dong, D. (2024). Transformation of Supply Chain Strategies in the Automotive Industry Post-COVID-19. MIT Sloan School of Management.
  • Energija Balkana. (2024). „Tržište putničkih automobila u EU, region i Srbiji 2019–2024”, https://energijabalkana. net/trziste-putnickih-automobila-u-eu-regionu-i- srbiji-2019-2024/, 30. 9. 2024.
  • Euractiv. (2023). Rast premija u Istočnoj Evropi zbog povećanih geopolitičkih rizika, https://www.euroactiv.com, 17. 8. 2024.
  • Forbes. (2024). Pay As You Drive Insurance: Meaning And  Benefits, https://www.forbes.com/advisor/in/car-insurance/ pay-as-you-drive-insurance/, 12. 2. 2025.
  • Kočović J., Mladenović Z., Boričić B., Jovanović Gavrilović, (2023). Challenges and insurance market’s responses to the economic crisis, University of Belgrade, Faculty of Economics and Business Publishing Centre.
  • Marković D. (2023). “Uticaj Kovid-19 pandemije na finansijske performanse auto-dobavljača u Srbiji”, Ekonomske ideje i praksa, 48, 37–51.
  • Marović B., Njegomir V. (2021). „Uticaj pandemije Kovid-19 na osiguranje i reosiguranje – globalni i regionalni aspect”, Susret osiguravača i reosiguravača Sarajevo, 11-102.
  • Njegomir V. (2020). „Korona virus i osiguranje”, Zbornik radova sa XXIII međunarodnog naučnog skupa, Prouzrokovanje štete, naknada štete i osiguranje, Valjevo, 323-338.
  • OECD. (2022). Impact of the Russian invasion of Ukraine on insurance markets, https://www.oecd.org/en/publications/ impact-of-the-russian-invasion-of-ukraine-on-insurance- markets_731d1305-en.html, 23. 12. 2024.
  • OICA – International Organization of Motor Vechicle Manufactures. (2023). Global Production Trends, str. 12–15.
  • OICA – International Organization of Motor Vechicle Manufactures. (2024). Global Sales Statistics 2019 – 2023, https://www.oica.net/category/sales-statistics/ 24. 8. 2024.
  • Ozili, Peterson K., (2025). Impact of the Israel-Hamas War on the global economy, 1-18, https://mpra.ub.uni-muenchen. de/123297/1/MPRA_paper_123297.pdf, 30. 3. 2025.
  • Srpska asocijacija uvoznika automobila i delova. (2024). Tržište putničkih automobila u EU, regionu i Srbiji (2019-2024), https://www.uvoznicivozila.rs/novosti/vesti-i-saopstenja/ analiza-trzista-putnickih-automobila-u-eu-regionu-i-  srbiji-2019-2024.html, 30. 11. 2024.
  • Tselentis, D. I., Yannis, G., Vlahogianni, E. I. (2016). “Innovative insurance schemes: Pay as/how you drive”, 6th Transport Research Arena, Transportation Research Procedia, 14, 362– 371, https://doi.org/10.1016/j.trpro.2016.05.088
  • Trošić Jelisavac S., Tošović-Stevanovic A., Ristanovic V. (2021). Kriza svetske ekonomije na početku XXI veka, Institut za međunarodnu politiku i privredu, Beograd