Análisis del impcato del incremento de capitalización en el mercado aseguradora a nivel nacional de acuerdo al código monetario en el período 2014- 2015
No hay miniatura disponible
Fecha
2017
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
Desde el 2015, se ha generado un escenario de incertidumbre y riesgo, debido a la restricción de importaciones, control de gasto público e inexistencia de financiamiento, afectando a sectores que permiten a las aseguradoras generar mayor crecimiento. Adicionalmente, las reformas realizadas en el Código Orgánico Monetario y Financiero (COMF), incremento del costo del reaseguro y la eliminación del Seguro Obligatorio de Accidentes de Tránsito (SOAT) han ocasionado que las compañías aseguradoras presenten nuevos retos o por defecto la reducción o fusión de las mismas. Los factores antes mencionados, han provocado que aquellas compañías aseguradoras que no contaban con una amplia capacidad de solvencia y liquidez, llegaran a presentar grandes desafíos y tomaran decisiones radicales para reducir costos e incrementar su productividad en el tiempo establecido, para el cumplimiento de algunas de las normas en el Código en mención. La presente investigación plantea establecer métodos y nuevas alternativas para que, a pesar de los cambios efectuados, las aseguradoras, logren no solo mantenerse, sino incrementar su participación en el mercado asegurador. El objetivo principal es realizar un análisis comparativo del impacto del incremento de capitalización en el mercado asegurador a nivel nacional de acuerdo al código monetario en el período 2014 - 2015. Para esto se determinarán nuevas estrategias que permitan, mejorar los servicios, no solo para captar clientes, sino para generar una verdadera cultura en el que los seguros se conviertan en una necesidad para el consumidor
Since 2015, it has generated a scenario of uncertainty and risk, due to the restriction of imports, control of public spending and lack of financing, affecting sectors that allow insurers to generate higher growth. In addition, the reforms in the Organic Monetary and Financial Code (OMFC), the increased of reinsurance cost and the removal of Obligatory Insurance of Traffic Accidents (OITA) have caused insurance companies to submit new challenges or by default the reduction or the merging of them. The aforementioned factors have led to those insurance companies that did not have an ample solvency and liquidity capacity, to present great challenges and make radical decisions to reduce costs and increase their productivity in the established time, for the fulfillment of some The standards in the Code mentioned. The present investigation proposes to establish methods and new alternatives so that, despite the changes made, the insurers, manage not only to maintain, but to increase their participation in the insurance market. The main objective is to carry out a comparative analysis of the impact of the increase of capitalization in the insurance market at the national level according to the monetary code in the period 2014 - 2015. For this, new strategies will be determined that allow, to improve the services, not only to capture Customers, but to generate a true culture in which insurance becomes a necessity for the consumer.
Since 2015, it has generated a scenario of uncertainty and risk, due to the restriction of imports, control of public spending and lack of financing, affecting sectors that allow insurers to generate higher growth. In addition, the reforms in the Organic Monetary and Financial Code (OMFC), the increased of reinsurance cost and the removal of Obligatory Insurance of Traffic Accidents (OITA) have caused insurance companies to submit new challenges or by default the reduction or the merging of them. The aforementioned factors have led to those insurance companies that did not have an ample solvency and liquidity capacity, to present great challenges and make radical decisions to reduce costs and increase their productivity in the established time, for the fulfillment of some The standards in the Code mentioned. The present investigation proposes to establish methods and new alternatives so that, despite the changes made, the insurers, manage not only to maintain, but to increase their participation in the insurance market. The main objective is to carry out a comparative analysis of the impact of the increase of capitalization in the insurance market at the national level according to the monetary code in the period 2014 - 2015. For this, new strategies will be determined that allow, to improve the services, not only to capture Customers, but to generate a true culture in which insurance becomes a necessity for the consumer.
Descripción
Palabras clave
SEGUROS, ASEGURADORAS, MERCADO, CODIGO