Análisis de la siniestralidad del sector asegurador de Guayaquil y Quito durante el periodo 2012-2013

The activity of the insurance industry depends on several factors that act as constraints or boosters. One of the basic factors that institutions take into account is the financial risk, because it allows estimating the strengths and weaknesses of a prevention system in an insurance company. The hypothesis of this research was to verify that there is a growing demand prompted by an increase in accidents. During the period of analysis, the purpose was to determine the factors that define the cost of insurance in the Ecuadorian market; to observe the expectations and perspectives of risks and uncertainties that could arise in the future. The research was an exploratory type and use a quantitative methodology. Statistical tests and analysis were carried out utilizing data from the Ecuadorian Superintendence of Banks and Insurance. The main results were that Accident Index suffers various changes and variations, because it depends on the industry sector development. In this investigation it was concluded that there is a growth in the demand for insurance prompted by an increased level of not expected events in this market. Therefore, the assumption made is not validated.

• मुख्य लेखक: Macuy-Calle, José (author)
• अन्य लेखक: García, Paola (author), Behr, Judit (author), Garcés, María (author), Feijoo, Karen (author)
• स्वरूप: article
• भाषा: spa
• प्रकाशित: 2015
• विषय: Seguro; Riesgo; Análisis; Aseguradora
• ऑनलाइन पहुंच: http://repositorio.ulvr.edu.ec/handle/44000/3733