Vydání
ACTA VŠFS, Praha, Vysoká škola finanční a správní, 2022
Klíčová slova česky
pojištění, životní pojištění, vývoj životního pojištění, determinanty životního pojištění
Klíčová slova anglicky
insurance, life insurance, life insurance development, determinants of life insurance
V originále
This article investigates the influence of selected determinants on the development of life insurance in the Czech Republic and the Slovak Republic in the years 2007–2019. The aim of the present study is to examine whether there are relationships between the development of selected determinants and the development of life insurance in the Czech Republic and Slovak Republic. We are using the correlation analysis, specifically Spearman‘s correlation coefficient, performed in the Eviews program with quarterly data. The determinants can be divided into positive and negative. Positive determinants encourage consumers to take out an insurance contract, thus acting to increase interest in insurance. Negative determinants have the opposite effect, which means that the consumer‘s willingness to take out insurance decreases, and the consumer is not interested in insurance on the development of life insurance in selected countries in the period under review. A positive impact on the development of life insurance was found in the case of gross domestic product, average gross monthly wage, interest rate on deposits and population in selected countries in the period under review.
Česky
Příspěvek zkoumá vliv vybraných determinantů na vývoj životního pojištění v České republice a ve Slovenské republice v letech 2007-2019. Cílem této studie je prověřit, zda existují vztahy mezi vývojem vybraných determinant a vývojem životního pojištění v České a Slovenské republice. Pro vyhodnocení vlivu je použita korelační analýza, konkrétně Spearmanův korelační koeficient, která je prováděna v programu Eviews se čtvrtletními daty. Byl zjištěn negativní vliv počtu narozených dětí na vývoj životního pojištění ve vybraném období a vybraných zemích. Pozitivní vliv na vývoj životního pojištění byl zjištěn v případě hrubého domácího produktu, průměrné hrubé měsíční mzdy, úrokové sazby na depozita a počtu obyvatel ve vybraných zemích ve zkoumaném období.
Anglicky
This article investigates the influence of selected determinants on the development of life insurance in the Czech Republic and the Slovak Republic in the years 2007–2019. The aim of the present study is to examine whether there are relationships between the development of selected determinants and the development of life insurance in the Czech Republic and Slovak Republic. We are using the correlation analysis, specifically Spearman‘s correlation coefficient, performed in the Eviews program with quarterly data. The determinants can be divided into positive and negative. Positive determinants encourage consumers to take out an insurance contract, thus acting to increase interest in insurance. Negative determinants have the opposite effect, which means that the consumer‘s willingness to take out insurance decreases, and the consumer is not interested in insurance on the development of life insurance in selected countries in the period under review. A positive impact on the development of life insurance was found in the case of gross domestic product, average gross monthly wage, interest rate on deposits and population in selected countries in the period under review.