Innovations on the insurance market: patents in underwriting

• Autorzy: Czerniak J. , Klapkiv L.

Warianty tytułu

PL

Innowacje na rynku ubezpieczeń: patenty w underwriting

RU

Innovacii na rynke strakhovanija: patenty v anderrajjtingovojj dejatel'nosti

• Języki publikacji: EN

Abstrakty

EN

The aim of this research paper is to characterize innovations in the insurance market basing on the analysis of patents. The article examines the structure of patents concerning the insurance risk assessment process, submitted to the World Intellectual Property Organization in the period from 2000 to 2017. The analysis was carried out according to the following criteria: the nature of the patent (based on the International Patent Classification), the country of origin of the applicant, the time between filing the patent application and publication, and the affiliation of the applicant to the insurance market. To assess the expected relationship between the real premium growth and the number of patents from the insurance field, a correlation analysis was conducted. The results showed the lack of statistically significant correlation.

PL

Celem artykułu badawczego jest charakterystyka innowacji na rynku ubezpieczeń przeprowadzona na podstawie analizy patentów. W artykule zbadano strukturę patentów z bazy danych World Intellectual Property Organization, które dotyczyły procesu oceny ryzyka ubezpieczeniowego w latach 2000 - 2017. Analizę przeprowadzono według wybranych kryteriów: charakter patentu (na podstawie International Patent Classification), kraj pochodzenia podmiotu aplikującego, termin złożenia wniosku patentowego i publikacji, przynależność aplikanta do rynku ubezpieczeniowego. Dla oceny zależności między tempem wzrostu wskaźnika światowej składki ubezpieczeniowej i liczbą patentów z obszaru ubezpieczeń przeprowadzona została analiza korelacji, która pokazała brak statystycznie istotnej zależności.

RU

Цель данной исследовательской статьи - дать характеристику инноваций на рынке страхования, проведенную на основе анализа патентов. В статье изучили структуру патентов из базы данных World Intellectual Property Organization, которые касались процесса оценки страхового риска в период с 2000 по 2017 г. Анализ провели по избранным критериям: вид патента (на основе International Patent Classification), страна происхождения организации-заявителя, срок представления патентного заявления и публикации, причастность заявителя к страховому рынку. Для оценки зависимости между темпами роста индекса мировой страховой премии и числом патентов в области страхования провели корреляционный анализ, который показал отсутствие статистически существенной зависимости.

• Wydawca: -
• Czasopismo: Handel Wewnętrzny
• Rocznik: 2018
• Tom: 64
• Numer: 6 t.1
• Opis fizyczny: p.151-162,fig.,ref.

Twórcy

autor

Czerniak J.

• Traders Dyvision of Finance, Department of Economics, University of Maria Curie-Sklodowska in Lublin, pl.Marii Curie-Sklodowska 5, 20-031 Lublin

autor

Klapkiv L.

• Dyvision of Insurance, Department of Economics, University of Maria Curie-Sklodowska in Lublin, pl.Marii Curie-Sklodowska 5, 20-031 Lublin

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