Finansowe implikacje decyzji ubezpieczeniowych gospodarstw domowych

• Authors: Krystyna Znaniecka , Daniel Szewieczek , Helena Ogrodnik

Title variants

EN

The Financial Implications of the Insurance' Decisions of Households

• Languages of publication: PL

Abstracts

EN

Households which are the essential participants in the economic system, are also an important part of the real economy. Specific location and scale of the impact of households on the financial system supports the validity of a detailed analysis of the factors and determinants of household attitudes to risk and to insurance for both property and personal insurance. Decisions taken by the households in the area of insurance are often the result of risk-taking by members of the household, which is a non-economic conditionality, but deeper analysis shows that the dominant factor is the value of the income of the household members and the potential value of the losses that may arise both in estate property and personal goods of household members. Empirical studies conducted on a representative sample of households in the Silesia province indicated that often are concluded personal insurance, although the risk identification made by households is focused more on estate property. This means that the insurance protection of property household goods, despite the identification of risk is not sufficiently realized.

Keywords

PL

Budżet gospodarstwa domowego; Gospodarstwa domowe; Podejmowanie decyzji finansowych; Świadomość ubezpieczeniowa; Ubezpieczenia majątkowe; Ubezpieczenia osobowe

EN

Budgets of households; Decision making of finance; Household; Insurance awareness; Personal lines insurance; Property insurance

• Publisher: Uniwersytet Ekonomiczny w Katowicach
• Journal: Studia Ekonomiczne
• Year: 2014
• Volume: 198 cz 2
• Pages: 260-274

Contributors

author

Krystyna Znaniecka

author

Daniel Szewieczek

author

Helena Ogrodnik

References

• Baranoff E.: Risk Management and Insurance. John Wiley & Sons, Hoboken 2004.
• Chapman R.J.: Simple tools and techniques for enterprise risk management. John Wiley & Sons, Hoboken 2006.
• Finanse osobiste. Zachowania - produkty - strategie. Red. E. Bogacka-Kisiel. WN PWN, Warszawa 2012.
• Marody M.: Sens teoretyczny a sens empiryczny pojęcia postawy. Analiza metodologiczna zasad doboru wskaźników w badaniach nad postawami. PWN, Warszawa 1976.
• Neale B., McElroy T.: Business Finance. A Value Based Approach. Prentice Hall/Pearson Education, London 2004.
• Rowe W.A.: An Anatomy of Risk. R.E. Krieger Publishing Company, New York 1977.
• Społeczne aspekty rozwoju rynku ubezpieczeniowego. Red. T. Szumlicz. Oficyna Wydawnicza SGH w Warszawie, Warszawa 2010.
• Szumlicz T.: Ubezpieczenie społeczne: teoria dla praktyki. Oficyna Wydawnicza Branta, Bydgoszcz-Warszawa 2005.
• Williams Jr. C.A., Heins R.M.: Risk Management and Insurance. McGraw-Hill, New York 1989.
• Zarządzanie ryzykiem. Red. K. Jajuga. WN PWN, Warszawa 2009.

Identifiers

ISSN

2083-8611