Las compañías de seguros generales y sus rendimientos financieros : un estudio para Colombia durante el periodo 2004-2014
This research aims to analyze the role of financial returns compared to net income of exercise of General Insurance Companies, where the constant dependence on the results of the investment portfolio is evident to lift the negative technical results that have emerged in the development of its core b...
| Autor Principal: | Pulido Amézquita, Rossmary |
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| Formato: | info:eu-repo/semantics/bachelorThesis |
| Idioma: | spa |
| Publicado: |
Universidad de La Salle. Facultad de Ciencias Económicas y Sociales. Economía.
2017
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| Materias: | |
| Acceso en línea: |
http://hdl.handle.net/10185/19036 |
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| Sumario: |
This research aims to analyze the role of financial returns compared to net income of exercise of General Insurance Companies, where the constant dependence on the results of the investment portfolio is evident to lift the negative technical results that have emerged in the development of its core business: the insurance contract. The study period covers the years 2004 to 2014, considering that from 2015 began IFRS3. The insurance industry into the decade of study recorded real growth rates above 7.8%, higher than the rates of the local economy, the penetration rate of general and life insurance for 2014 stood at 2.7%, an indicator that is still lagging compared to Latin America with 3.2%4 for the same year. The results of financial analysis reflect a solid and stable sector, where financial returns are consolidated as the most representative item of PyG product business dynamics and national and international economy, the average financial performance amounted to COP $ 434,300 and in 2014 it represented 3.3 times the results registered in 2004, also evidenced as regulatory trends affecting the profitability of the sector through the management of financial assets.
Key words: Insurance, Investments, Profitability, Portfolio, Solvency |
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