INSURANCE

Author: JANE CALLEJA ENRIC.
Year: 2003.
University: POLITÉCNICA DE CATALUÑA [www.upc.edu].
Place of defense: POLITÉCNICA DE CATALUNYA.
Place of preparation: ORGANITZACIÓ D'EMPRESES.

Summary: After nearly fifty years in Sector Insurer and twenty five in the steering committee of one of the major groups operating in our country, it was an exciting challenge to address the issue of reference from the perspective of the research work itself of a doctoral thesis. It is, in short, that the academics who was by this time take the initiative to corporate governance and try to get where this perhaps too entertaining emergencies in a day, he had not succeeded. The research began in the time of onset of compulsory insurance concidió with the so-called boom of the car and allowed the consolidation of car insurance as a leader in the collection of premiums and at the same time basis for the development of most Sector entities who use it largely as a "cushion" of the overheads of insurance. Logically also, the effects of its shortcomings affecting the sector so that more alarming. From another perspective, and from our own experience of honoree has deepened especially those items that already constituted a forum for discussion among specialists in the sector. So, after a simple introduction starts with the thesis of motor insurance from their legal aspects, core values and most important elements of this industry and are discussed below and those issues under dispute. Bonus - Malus * * * Fraud Road accidents * Siniestralidad versus premiums * The scale and other conventions * Spending Also included is a chapter full of statistical data related to the different variables that move in the environment safe and finally could not miss the chapter on conclusions. These may include. 1-We need a thorough review of the legislative fabric Insurer Legal and that the Fields evoluione deeply and quickly to accommodate as befits the twenty-first century. 2-Adoption of a system unique Bonus - Malus with contrasting approaches mathematical and formal commitment Sector for their strict implementation. 3 - Commitment of aseguradoreas to report all cases of fraud detected and request to the Administration to impose heavier penalties to the fraudster. 4, Application to the Administration for certain behaviors driving the car was judged by the way criminal. 5-Advancing the ITV and it is made on the basis of a mix between antigà ¼ age and Km covered. 6-Using the number of miles annually incurred as a factor weighting of the premium, since increased use of the vehicle is shown one of the keys to understanding the progression of frequency siniestral. 7-Reconsider the current level of compensation set out in the schedule. 8-Harnessing synergies, economies of scale, new technologies, etc.. By the Insurance Sector. Finally it should be noted that the paragraph was left open for further research spending as it is considered that the insurance industry will have a long way to go on this issue.

Author: PICOS MARTIN JUAN.
Year: 2003.
University: VIGO [www.uvigo.es].
Place of defense: ESCUELA UNIVERSITARIA DE INGENIERIA TÉCNICA FORESTAL.
Place of preparation: E. UNIVERSITARIA DE INGENIERIA TÉCNICA FORESTAL.

Summary: The history of the Forest Insurance is as long as fruitless, because despite references going back to the beginning of the century, never except honorable exceptions and time has implemented a comprehensive system of insurance products and investment forest. Today different socioeconomic factors, the increase of investment in property forest, the unstoppable increase in the demand for wood, the importance of the forestry industry has acquired in an environment of neglect of other agricultural activities, such as concurrent processes "certification of sustainable forest management", and the ratification of the so-called "Kyoto Protocol", among others, favor the implementation of a system insurer. In addition, there has been a notable reduction in the annual surface burned by an improvement in the effectiveness of the means of extinction. The main objectives of the thesis are: * Analyze the environment of the activity and identify those factors and predictable changes that favor the development and implementation of an insurance system forest. * Analyze previous initiatives in the field of forest and secure the reasons success, failure or no-aplicación. * Defenir a model of insurance that meets the needs of the real and potential customers. * Analyze the economic viability and identify possible synergies with other insurance products (agricultural insurance etc.) and the financial sector (credit, etc.). This paper carries out a review of all backgrounds and condicionates to develop a form of insurance forest in the autonomous region of Galicia. An estimate is made of pure premium from calculating the frequency of accidents and distribution of the cost of sinestro. Finally, we designed a model insurance indencio forest and is the wording of a proposed policy. KEYWORDS: insurance, forest fires, galicia, risk.

Author: AGUIRRE UZQUIANO MIGUEL.
Year: 2004.
University: COMPLUTENSE DE MADRID [www.ucm.es].
Place of defense: FACULTAD CIENCIAS ECOMONICAS Y EMPRESARIALES.
Place of preparation: DE MADRID..

Summary: From that, in 1766, Professor Wurms of Prussia, found that losses due to bankruptcies and insolvencies were as serious as those caused by maritime risks, and projpuso to the authorities for carrying out a system of coverage through a monopoly state allowing reduce these losses to a minimum, the second credit has been part of the financial structure of most of the trade exteriro and deun large number of domestic operations. Within the vast variety in forms of insurance, the credit is therefore one of the oldest and original, so some people still question whether it can be included in this activity planted the question if it falls in this activity in the field of insurance itself, or rather as an instrument of financial support to the internationalization of empresa. what was before the request for coverage in the financial operations of foreign trade or need each instead of offering greater credit to importers with the corresponding burden on the balance sheet of exporters?. aim of this thesis is to analyze as in the last three decades, credit insurance has enabled companies and financial institutions Spanish minimizasen impact derived from delays and non-payment of their clients and low cycles of the economy this coverage fulfilling a dual role: prevention and payment of unpaid that aliviasen losses occurring in the economic crises of the last thirty years of Spanish economic history.

Author: DÍAZ MARTÍNEZ ZULEYKA.
Year: 2004.
University: COMPLUTENSE DE MADRID [www.ucm.es].
Place of defense: FACULTAD DE CIENCIAS ECONÓMICAS Y EMPRESARIALES.
Place of preparation: FACULTAD DE CIENCIAS ECONÓMICAS Y EMPRESARIALES.

Summary: Within the range of problems that the financial analysis seeks to address, the early detection of the insolvency business has been the subject of constant attention by academics and professional, because of the large number of actors and interests affected insolvency takes place. That problem is greater dimension, if possible, when it manifests itself in the insurance sector, given the importance it represents for all economic activity by increasing its contribution in quantitative terms for the relevance of its work . At present, the insurance industry is now working on developing community project called Solvency II, which aims to achieve through the reform of existing rules in the European Union in relation to the solvency of insurance companies a greater adjustment to the specific circumstances of each one of the requirements for solvency to which they are being subjected by the regulatory authorities. This situation creates a breeding ground for the use of new and more affluent and sophisticated analytical models for the treatment of the information provided by the insurance companies to achieve the above objective. Thus has been established as an object of this work to show through an empirical study, the degree of applicability and appropriateness of certain technologies intelligent data analysis to the analysis of the financial statements of insurance companies. Specifically takes place the implementation of the algorithm induction of decision trees and sets of rules C4.5 and induction lists PART decision, taking information from a set of financial ratios of a sample of Spanish companies insurance not life. It also compares these techniques, from the area of Learning Auto, with the traditional Logistic Regression Analysis and Discriminante, noting that the algorithms C4.5 and Part provide better results and interpretation easier, in addition to saving some of the drawbacks of the above statistical techniques.