INDIVIDUAL RISK MANAGEMENT

Kroz rad se upoznao pojam osobnih financija, te financijskih rizika fizičkih osoba. Rizici predstavljaju vrlo široko i složeno područje, a čovjek se tokom svog života svakodnevno susreće s njima i oni predstavljaju ključnu stavku pri upravljanju osobnih financija. Financijske rizike dijelimo na rizik od inflacije, promjene kamatne stope, promjene razine osobnog dohotka, osobni rizik i rizik likvidnosti. A mogu se mjeriti pomoću analize osjetljivosti, testiranjem ekstremnih događaja, testiranje scenarija, CAMP model i rizična vrijednost VaR. Suočavanje s rizicima je puno uspješnije ako poslujemo sa subjektima koji pružaju usluge zaštite od rizika, a društvo za osiguranje UNIQA d.d. pruža osobama zaštitu od iznenadnih situacija, čuva zdravlje i imovinu, našu porodicu i nas. Osiguranje u EU je veoma raznovrsno, stoga Europska Unija uvodi nova pravila upravljanja rizicima. Solventnost II predstavlja novi zakonodavni i regulatorni okvir ukupnog poslovanja društva za osiguranje i društva za reosiguranje u Europskoj uniji, dok EIOPA predstavlja Europsku agenciju za nadzor osiguranja i zaposleničkih mirovina. Zaštita potrošača ključna je za EIOP-u, a preuzima vodeću ulogu u promicanju transparentnosti, jednostavnosti i korektnosti na tržištu potrošačkih financijskih proizvoda i usluga diljem EU.Through my graduation thesis, we got acquainted with the very concept of personal finance, as well as the financial risks of individuals. Risks represent a very wide and complex area, and one encounters them on a daily basis throughout their lives, which is the reason why they represent the key item in the management of personal finances. When it comes to financial risks we distinguish inflation risk, interest rates changes, changes in the level of personal income, personal risk and liquidity risk. These can be measured by sensitivity analysis, extreme event testing, scenario testing, CAMP model, and VaR risk value. Confronting risks is more successful if we do business with entities that provide risk protection services, for example the insurance company UNIQA plc. that provides people with protection from sudden situations, protects health and property, as well as our families and ourselves. The EU’s insurance sector is very diverse, which is why the European Union is introducing new risk management rules. Solvency II represents the new legislative and regulatory framework for the overall business of insurance and reinsurance companies in the European Union, while EIOPA represents the European Insurance and Occupational Pensions Authority. Consumer protection is key to EIOPA, and it takes a leading role in promoting transparency, simplicity and fairness in the market for consumer financial products and services across the EU