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Eg '94 Und Versicherungsmärkte by Wolfgang Müller

Eg '94 Und Versicherungsmärkte

by Wolfgang Müller
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Book cover type: Paperback
  • ISBN13: 9783409179171
  • Binding: Paperback
  • Subject: N/A
  • Publisher: Gabler Verlag
  • Publisher Imprint: Gabler Verlag
  • Publication Date:
  • Pages: 117
  • Original Price: EUR 51.39
  • Language: German
  • Edition: 1992
  • Item Weight: 177 grams
  • BISAC Subject(s): Economics / General

Vorwort Europa 1994 - für die europäische private Versicherungs wirtschaft wird der einheitliche Binnenmarkt erst mit einer kleinen zeitlichen Verzögerung verwirklicht werden. Freilich sind die politischen Grundsatzentscheidungen bereits gefallen und niemand zweifelt daran, da noch in diesem Jahre 1992 die Rechtsgrundlagen in der Form von EG-Richtlinien durch den Ministerrat verabschiedet werden. Zum 1. Juli 1994 soll dann die neue EG- Versicherungsmarktordnung in Kraft treten. Nach dem Herkunftslandprinzip gestattet sie jedem europäischen Versicherungsunternehmen, das nach den Regeln seines Heimatlandes zugelassen worden ist, den freien Zutritt zu allen anderen EG-Versicherungsmärkten. Für die deutsche Versicherungs wirtschaft wird dadurch eine fast lOOjährige Epoche der intensiven staatlichen Aufsicht, der weitreichenden Regulierung von Preis- und Produkt- wettbewerb sowie der Abschottung gegenüber ausländischer Konkurrenz beendet. Der Wandel von der staatlich kontrollierten und vor allzu heftigem Wettbewerb beschützten Versicherungs wirtschaft hin zu einer liberalen Marktordnung in europäischen Dimensionen wird allen Marktteilnehmern erhebliche Anpassungsleistungen abverlangen. Die deutschen Versicherungsunternehmen werden grö ere Spielräume für unternehmerische Entschei- dungsautonomie erhalten, müssen aber auch die Fachkompetenz entwickeln, um mit stär- kerem Wettbewerbsdruck und erhöhtem Marktrisiko erfolgreich umzugehen. Die Versi- cherungskäufer werden häufig noch lernen müssen, da Qualitäten und Preise der privaten Versicherungsprodukte - im Gegensatz zur Sozialversicherung - erheblichen Schwan- kungen unterworfen sein können und da sich deshalb höhere Anstrengungen bei der Suche nach günstigen Angeboten lohnen.

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