МОДЕРНЕ ТЕХНОЛОГИЈЕ, НОВИ И ТРАДИЦИОНАЛНИ РИЗИЦИ У ОСИГУРАЊУ (Шабац: 20; 2021) (стр. 49-63)
АУТОР(И): Марта ОСТРОВСКА
Е-АДРЕСА: m.ostrowska@wpia.uw.edu.pl.
DOI: 10.46793/XXSav21.049O
САЖЕТАК:
С обзиром на тренутну дискусију о томе како регулисати нове InsurTech компаније, ако уопште, аутор покушава покаже да уместо аутоматског увођења нових прописа, принцип сразмерности може помоћи у прилагођавању примене постојећих правила и приступа политици пословног модела InsurTech, без спро- вођења великих регулаторних промена. Пример платформи за лица са истим интересом користи се да би се показало како се специфичности сваке компаније InsurTech схватити помоћу три кључна критеријума сразмерности – природе, оби- ма и сложености.
КЉУЧНЕ РЕЧИ:
принцип пропорционалности, InsurTech, лица са истим интере- сом, правно регулисање, технологија
ЛИТЕРАТУРА:
CEIOPS. (May 2008). Advice to the European Commission on the Principle of Proportionality in the Solvency II Framework Directive Proposal, CEIOPS-DOC-24/08.
EIOPA. (05 July 2017). EIOPA InsurTech Roundtable. How technology and data are reshaping the insurance landscape. EIOPA-BoS/17-165, available at: https://register.eiopa.europa.eu/Publications/ Reports/08.0_EIOPA-BoS17-165_EIOPA_InsurTech_Roundtable_summary.pdf, 21.1.2021.
EIOPA. (2019). Report on the best practices on licensing requirements, peer-to-peer insurance and the principle of proportionality in an InsurTech context.
Institute of International Finance. (September 2016). Innovation in Insurance: How technology is changing the industry, available at: https://www.iif.com/portals/0/Files/private/32370132_ insurance_innovation_report_2016.pdf, 21.1.2021.
Insurance Europe. (03.09.2018). Insurance Europe response to EIOPA stakeholder survey on InsurTech, available at: https://www.insuranceeurope.eu/sites/default/files/attachments/Response%20to%20 EIOPA%20stakeholder%20survey%20on%20insurtech.pdf, 21.1.2021.
Marano, P. (2019). “Navigating InsurTech: The digital intermediaries of insurance products and customer protection in the EU”, Maastricht Journal of European and Comparative Law, 26(2), 1–22.
OECD. (2018). Financial Markets, Insurance and Private Pensions: Digitalization and Finance, available at: https://www.oecd.org/finance/private-pensions/Financial-markets-insurance-pensions- digitalisation-and-finance.pdf, 21.1.2021.
Van Hulle, K. (2019). Solvency Requirements for EU Insurers. Solvency II is good for you. Intersentia.
Commission staff working document. (2007). Accompanying document to the Proposal for a Directive of the European Parliament and of the Council concerning life assurance on the taking-up and pursuit of the business of Insurance and Reinsurance – Solvency II – Impact assessment report {COM(2007) 361 final} {SEC(2007) 870}, Brussels, 10.7.2007.
Commission staff working document. (2012). Impact Assessment – Accompanying the document – the Proposal for a Directive of the European Parliament and of the Council on Insurance Mediation {COM(2012) 360 final}{SWD(2012) 192 final}, Brussels, 3.7.2012.