Perspektywa konfliktu interesów a problem ryzyka działalności ubezpieczeniowej
Insurers’ risk-taking from the perspective of conflict of interests

Summary/Abstract: The problem of insurance companies’ risk-taking is well known. However it is rarely deliberated in the context of conflict of interest. Such a context creates a well-grounded perspective for detecting factors which influence insurance companies’ risk-taking. Such factors should be taken under consideration not only in insurance company management but in designing regulations for the insurance sector as well. In the article international literature is presented and systemized. The article deliberates asym- metry of cost and benefits incurred by the main stakeholders of an insurance company. The capacity of stakeholders to influence company risk-taking is also presented. Additionally, capital requirements are described as a means to protect the weakest stakeholders – the insured. The article is a prelimi- nary study which may lead to future research in the field of corporate governance and market discipline within the insurance sector.

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