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Solvens II påverkan på SMEs: - En kvalitativ studie som analyserar försäkringsbolagens placeringsmöjligheter
Mid Sweden University, Faculty of Human Sciences, Department of Economics, Geography, Law and Tourism.
Mid Sweden University, Faculty of Human Sciences, Department of Economics, Geography, Law and Tourism.
2021 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

År 2016 trädde den nya regleringen Solvens II i kraft inom försäkringsbranschen. Regleringen innebar en omställning för försäkringsbolagen där ett nytt regulatoriskt ramverk infördes vilket påverkat försäkringsbolagens investeringsstrategi. Tidigare forskning har visat att införandet av nya regleringar kan få oönskade och oavsiktliga konsekvenser vilket möjligtvis kan vara fallet även för Solvens II regleringen. Syftet med studien var att beskriva och analysera effekterna av Solvens II samt hur detta har påverkat försäkringsbranschens investeringsmöjligheter. Vidare hade studien som avsikt att analysera på vilket sätt detta påverkat SMEs finansieringsbehov samt möjliga lösningar kring de oavsiktliga konsekvenser som Solvens II kan ha orsakat för dessa företag. För att uppnå studiens syfte tillämpades en kvalitativ metod där empirin genererats genom semistrukturerade intervjuer. Urvalet av respondenter gjordes genom ett målstyrt strategiskt urval där personer inom försäkringsbranschen med inriktning mot Solvens II tillfrågades. Den teoretiska referensramen består av teorier kring Solvens II, oavsiktliga konsekvenser samt SME. Empirin i studien presenteras genom en tematisk analys där resultatet kopplats till den teoretiska referensramen. Resultat av studien visade att ingen av respondenterna ansåg att det fanns några svårigheter kopplat till Solvens II regleringen gällande vad försäkringsbolagen investerade i. Finansieringen av SMEs genomfördes mestadels genom partners och kapitalkravet var inget som hindrade dem, utan snarare personalkostnaden och risken. Respondenterna trodde dock att det såg annorlunda ut i andra delar av Europa men menade att deras investeringsstrategier påverkats i större utsträckning av den låga räntan. Nyckelord:

Abstract [en]

In 2016, the new Solvency II regulation came into force in the insurance industry. The regulation entailed a change for the insurance companies where a new regulatory framework was introduced, which affects the insurance companies’ investment strategy. Previous research has shown that the introduction of new regulations can have undesirable and unintended consequences, which may also be the case for the Solvency II regulation. The purpose of this study was to describe and analyse the effects of Solvency II and how this has affected the insurance industry’s investment opportunities. Furthermore, the study has analysed the way in which this in turn affects SMEs financing needs and possible solutions to the unintended consequences that Solvency II has entailed for these companies. To achieve the purpose of the study, we have applied a qualitative method where the empirical data is generated through semi-structured interviews. The selection of respondents was made through a goal-oriented strategic selection where people in the insurance industry with a focus on Solvency II were asked. The theoretical frame of reference consists of theories about Solvency II, unintended consequences and SMEs. The empirical data in the study are presented through a thematic analysis where the results are linked to the theoretical frame of reference. Results of the study showed that none of the respondents considered that there were any difficulties linked to the Solvency II regulation regarding what the insurance companies invested in. The financing of SMEs was mostly carried out through partners and the capital requirement did not hinder them, but rather staff costs and risk. However, the respondents thought that it looked different in other parts of Europe but said that their investment strategies were affected to a greater extent by the low interest rate.

Place, publisher, year, edition, pages
2021. , p. 36
Keywords [en]
Solvency II, unintended consequences, SME, insurance industry, solvency capital requirement (SCR).
Keywords [sv]
Solvens II, oavsiktliga konsekvenser, SME, försäkringsbranschen, solvenskapitalkrav (SCR).
National Category
Business Administration
Identifiers
URN: urn:nbn:se:miun:diva-43543OAI: oai:DiVA.org:miun-43543DiVA, id: diva2:1606302
Subject / course
Business Administration FE1
Educational program
BSc Programme in Business and Economics SEKOG 180 higher education credits
Supervisors
Examiners
Available from: 2021-10-27 Created: 2021-10-27 Last updated: 2021-11-02Bibliographically approved

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