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Herausforderungen für die deutsche Versicherungswirtschaft beim Produkt Lebensversicherung: Analyse im Kontext des aktuellen Niedrigzinsumfelds

Herausforderungen für die deutsche Versicherungswirtschaft beim Produkt Lebensversicherung: Analyse im Kontext des aktuellen Niedrigzinsumfelds

          
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About the Book

Bachelorarbeit aus dem Jahr 2013 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, FOM Hochschule für Oekonomie & Management gemeinnützige GmbH, München früher Fachhochschule, Sprache: Deutsch, Abstract: "In Wahrheit ist mit der Lebensversicherung ein Geschäftsmodell gescheitert." Auch wenn man diese scharfe Einschätzung nicht teilt, so sollten die Herausforderungen für die Lebensversicherungsbranche doch im Kontext des aktuellen Zeitgeschehens näher beleuchtet werden. Denn offenkundig stehen die Lebensversicherer heute vor der komplexen Aufgabe, mit einer konservativen Kapitalanlage langfristige Zinsgarantien von bis zu 4 % auf die Sparbeiträge ihrer Kunden in einem durch niedrige Zinsen geprägten Umfeld zu erwirtschaften. Vor diesem Hintergrund zweifeln Artikel in der Tagespresse immer wieder die Zukunftsfähigkeit der privaten Vorsorgeprodukte an und nähren so Ängste bei den Versicherten, ob die Versicherungswirtschaft zweifelsfrei in der Lage ist, die abgegebenen Leistungsversprechen uneingeschränkt zu erfüllen. In der Tat wandte sich Nikolaus von Bomhard als Vorstand der Munich Re Rückversicherung und als Präsident der Geneva Association bereits 2011 kritisch in einem offenen Brief an die Finanzminister und Gouverneure der Zentralbanken der 20 wichtigsten Industrie- und Schwellenländer. Die extrem lockere Geldpolitik der Zentralbanken hätte zur Folge, dass mit den abnehmenden Erträgen aus den Kapitalanlagen eine tragende Säule der Versicherer zunehmend erodieren würde. Aus diesen Rahmenbedingen erwächst die Frage, wie die Versicherungsunternehmen konkret durch das Niedrigzinsumfeld beeinträchtigt werden und welche Maßnahmen sie treffen können, um auch in Zukunft erfolgreich am Markt zu bestehen. Diese Ausarbeitung analysiert die Herausforderungen, mit denen sich die deutsche Versicherungswirtschaft in Hinblick auf das Niedrigzinsniveau beim Produkt Lebensversicherung konfrontiert sieht. Es soll geklärt werden, welche Auswirkungen das gegenwärtige K


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Product Details
  • ISBN-13: 9783656874775
  • Publisher: Grin Verlag Gmbh
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 6 mm
  • Weight: 131 gr
  • ISBN-10: 3656874778
  • Publisher Date: 16 Jan 2015
  • Height: 210 mm
  • No of Pages: 92
  • Series Title: German
  • Sub Title: Analyse im Kontext des aktuellen Niedrigzinsumfelds
  • Width: 148 mm


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Herausforderungen für die deutsche Versicherungswirtschaft beim Produkt Lebensversicherung: Analyse im Kontext des aktuellen Niedrigzinsumfelds
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Herausforderungen für die deutsche Versicherungswirtschaft beim Produkt Lebensversicherung: Analyse im Kontext des aktuellen Niedrigzinsumfelds
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Herausforderungen für die deutsche Versicherungswirtschaft beim Produkt Lebensversicherung: Analyse im Kontext des aktuellen Niedrigzinsumfelds

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