. . "0"^^ . "Ve v\u00FDvoji poji\u0161\u0165ovnictv\u00ED lze v posledn\u00EDm obdob\u00ED sledovat obecn\u011B \u0159adu trend\u016F, kter\u00E9 vypl\u00FDvaj\u00ED z reakce odv\u011Btv\u00ED na m\u011Bn\u00EDc\u00ED se podm\u00EDnky fungov\u00E1n\u00ED. D\u016Fsledkem obecn\u00E9ho v\u00FDvoje jsou jednak zm\u011Bny ve \u0161kodovosti p\u0159i provozov\u00E1n\u00ED \u0159ady pojistn\u00FDch produkt\u016F, zm\u011Bny ve v\u00FDskytu ud\u00E1lost\u00ED s katastrofick\u00FDmi dopady a v\u00FDskyt nov\u00FDch nebezpe\u010D\u00ED a jednak zm\u011Bny v obecn\u00FDch ekonomick\u00FDch podm\u00EDnk\u00E1ch, zejm\u00E9na v\u00FDvoj na finan\u010Dn\u00EDch trz\u00EDch. Zm\u011Bny ve \u0161kodovosti souvis\u00ED se st\u00E1le vy\u0161\u0161\u00ED koncentrac\u00ED majetkov\u00FDch hodnot, s klimatick\u00FDmi zm\u011Bnami, s demografick\u00FDmi zm\u011Bnami, s v\u00FDskytem nov\u00FDch druh\u016F nemoc\u00ED, se st\u00E1le v\u011Bt\u0161\u00EDm v\u00FDskytem teroristick\u00FDch akc\u00ED r\u016Fzn\u00E9ho charakteru atd. Reakce na tyto skute\u010Dnosti ze strany pojistitel\u016F se projevuje v hled\u00E1n\u00ED cest k dosa\u017Een\u00ED ekonomick\u00E9 rovnov\u00E1hy, p\u0159edev\u0161\u00EDm v koncipov\u00E1n\u00ED pojistn\u00FDch podm\u00EDnek a v r\u00E1mci kalkulace pojistn\u00E9ho. Proto je t\u0159eba analyzovat mo\u017En\u00E9 p\u0159\u00EDstupy, kter\u00E9 umo\u017En\u00ED co nejlep\u0161\u00ED vyrovn\u00E1n\u00ED se s nov\u00FDmi dimenzemi rizik v r\u00E1mci hospoda\u0159en\u00ED poji\u0161\u0165oven, a to zejm\u00E9na uplat\u0148ov\u00E1n\u00ED nov\u00FDch p\u0159\u00EDstup\u016F ke kryt\u00ED"@cs . "commercial insurance economics; insurability rate of risks and their identification; reinsurance pol"@en . "1643"^^ . "1643"^^ . "Global Tends Analysis in world and czech commercial insurance"@en . "47"^^ . "2005-01-01+01:00"^^ . . . . "1"^^ . . . "In recent years, development of insurance business has generally shown a number of trends that follow from the industry reaction to changing conditions insurance business has been operating under. As a consequence of general development there have been many changes in the nature of damage affecting number of insurance products and in occurrence frequency of events with disastrous effects, and emerging of new threats, and changes in general economic conditions the insurance companies operate in. Changesin the nature of damage correspond with growing and intensifying concentration of property values, with climate and demographic changes, growing threat of terrorist attacks, etc. Insurance business reacted in terms of searching for new conditions of economic equilibrium, namely through modification of general insurance terms and insurance products pricing. It is necessary to analyse alternative approaches that will allow to better cope with new dimensions of risks, particularly in application of new"@en . . . "Anal\u00FDza glob\u00E1ln\u00EDch trend\u016F ve sv\u011Btov\u00E9m a \u010Desk\u00E9m komer\u010Dn\u00EDm poji\u0161\u0165ovnictv\u00ED"@cs . "0"^^ . . "2007-12-31+01:00"^^ . "47"^^ .