{"id":119492,"date":"2024-01-22T22:33:12","date_gmt":"2024-01-22T21:33:12","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/119492\/"},"modified":"2024-11-14T13:04:04","modified_gmt":"2024-11-14T12:04:04","slug":"schwaches-wirtschaftswachstum-daempft-2013-privatversicherungsgeschaeft","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/119492\/","title":{"rendered":"Weak Growth Impacts on Private Insurance Business in 2013"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-119492","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"The insurance penetration remained at its low level (5.3 percent) throughout 2013, the consequence of a decline in revenues from life insurance premium payments and below-average growth in the casualty and accident insurance business. With the first contracts falling due and new business moving at a sluggish rate, revenues from payments into state-aided pension provision schemes continued to fall. Persistently low yields from investment effectively prevented the surplus from investment income to grow inspite of an increase in capital investments. Implementation of the EU's \"Solvency II\" directive was postponed to January 2016, although Austria will put into operation some of the measures covered by the second and third pillars of Solvency II already in 2014.","onlinedate":"2014-09-17 12:00:00","lang":"German","publication_series":"","publication_date":"20140901","publication_date_year":"","publication_date_full":false,"publication_num_pages":"","keywords":"[]","jelcodes":"[]","related_publications":"[]","pdf":414534,"zip":null,"link":"","monthly_report":true,"monthly_report_main":false,"monthly_report_volume":"87","monthly_report_pages":"609-618","monthly_report_pages_sort":"609","issue":"9","journal":"WIFO-Monatsberichte","publisher":"","invisible":false,"external":false,"embargo_date":"2014-09-17 12:00:00","types":[44312],"research_groups":[3500],"collaboration":"","persons":[3899],"persons_data":"[{\"personId\":3899,\"personName\":\"Thomas Url\",\"organisationNames\":[]}]","clients":[],"subclients":[],"partners":[],"topics":[],"host_publication_title":"","host_publication_subtitle":"","place_of_publication":"","host_publication_editors":"[]","type_description":"","output_media":"","chapter":"","article_number":"","citations":"{\"apa\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_apa rendering_contributiontoperiodical rendering_apa rendering_contributiontoperiodical_apa\\\"><span>Url, T.<\\\/span> (2014). <span>Schwaches Wirtschaftswachstum d\u00e4mpft 2013 Privatversicherungsgesch\u00e4ft<\\\/span>. <span><em>WIFO-Monatsberichte<\\\/em><\\\/span>, <em>87<\\\/em>(9), 609-618. <a onclick=\\\"window.open(this.href, '_blank','noopener,noreferrer'); return false;\\\" href=\\\"https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/47463\\\" class=\\\"link\\\"><span>https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/47463<\\\/span><\\\/a><\\\/div>\",\"vancouver\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_vancouver rendering_contributiontoperiodical rendering_vancouver rendering_contributiontoperiodical_vancouver\\\"><span>Url T<\\\/span>. <span class=\\\"title\\\"><span>Schwaches Wirtschaftswachstum d\u00e4mpft 2013 Privatversicherungsgesch\u00e4ft<\\\/span><\\\/span>. <span>WIFO-Monatsberichte<\\\/span>. 2014 Sept;87(9):609-618.<\\\/div>\",\"bibtex\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_bibtex rendering_contributiontoperiodical rendering_bibtex rendering_contributiontoperiodical_bibtex\\\"><div>@misc{677807f46787435798548e8ffcb8184d,<\\\/div><div>  title    = \\\"Schwaches Wirtschaftswachstum d{\\\\\\\"a}mpft 2013 Privatversicherungsgesch{\\\\\\\"a}ft\\\",<\\\/div><div>  abstract = \\\"Die Versicherungsdurchdringung verharrte 2013 auf niedrigem Niveau. Bestimmend daf{\\\\\\\"u}r waren weiterhin der R{\\\\\\\"u}ckgang der Pr{\\\\\\\"a}mieneinnahmen in der Lebensversicherung und ein unterdurchschnittlicher Zuwachs in der Schaden-Unfallversicherung. Erste Vertragsabreifungen und ein flaues Neugesch{\\\\\\\"a}ft verst{\\\\\\\"a}rkten die Abw{\\\\\\\"a}rtsbewegung der Pr{\\\\\\\"a}mieneinzahlungen in die pr{\\\\\\\"a}mienbeg{\\\\\\\"u}nstigte Zukunftsvorsorge. Das anhaltend niedrige Niveau der Renditen auf dem Kapitalmarkt verhinderte trotz steigender Kapitalanlagen ein Anwachsen des {\\\\\\\"U}berschusses aus der Finanzgebarung. Die Umsetzung der EU-Richtlinie {\\\"}Solvency II{\\\"} wurde auf J{\\\\\\\"a}nner 2016 verschoben; {\\\\\\\"O}sterreich wird allerdings einige Ma{\\\\ss}nahmen aus der zweiten und dritten S{\\\\\\\"a}ule von Solvency II bereits ab 2014 umsetzen.\\\",<\\\/div><div>  keywords = \\\"Privatversicherung, Solvency II, Private Pensionsvorsorge\\\",<\\\/div><div>  author   = \\\"Thomas Url\\\",<\\\/div><div>  note     = \\\"Privatversicherungswirtschaft 2013\\\",<\\\/div><div>  year     = \\\"2014\\\",<\\\/div><div>  month    = sep,<\\\/div><div>  language = \\\"Deutsch\\\",<\\\/div><div>  volume   = \\\"87\\\",<\\\/div><div>  pages    = \\\"609--618\\\",<\\\/div><div>  journal  = \\\"WIFO-Monatsberichte\\\",<\\\/div><p>}<\\\/p><\\\/div>\",\"ris\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_ris rendering_contributiontoperiodical rendering_ris rendering_contributiontoperiodical_ris\\\"><p>TY  - GEN<\\\/p><p>T1  - Schwaches Wirtschaftswachstum d\u00e4mpft 2013 Privatversicherungsgesch\u00e4ft<\\\/p><p>AU  - Url, Thomas<\\\/p><p>N1  - Privatversicherungswirtschaft 2013<\\\/p><p>PY  - 2014\\\/9<\\\/p><p>Y1  - 2014\\\/9<\\\/p><p>N2  - Die Versicherungsdurchdringung verharrte 2013 auf niedrigem Niveau. Bestimmend daf\u00fcr waren weiterhin der R\u00fcckgang der Pr\u00e4mieneinnahmen in der Lebensversicherung und ein unterdurchschnittlicher Zuwachs in der Schaden-Unfallversicherung. Erste Vertragsabreifungen und ein flaues Neugesch\u00e4ft verst\u00e4rkten die Abw\u00e4rtsbewegung der Pr\u00e4mieneinzahlungen in die pr\u00e4mienbeg\u00fcnstigte Zukunftsvorsorge. Das anhaltend niedrige Niveau der Renditen auf dem Kapitalmarkt verhinderte trotz steigender Kapitalanlagen ein Anwachsen des \u00dcberschusses aus der Finanzgebarung. Die Umsetzung der EU-Richtlinie \\\"Solvency II\\\" wurde auf J\u00e4nner 2016 verschoben; \u00d6sterreich wird allerdings einige Ma\u00dfnahmen aus der zweiten und dritten S\u00e4ule von Solvency II bereits ab 2014 umsetzen.<\\\/p><p>AB  - Die Versicherungsdurchdringung verharrte 2013 auf niedrigem Niveau. Bestimmend daf\u00fcr waren weiterhin der R\u00fcckgang der Pr\u00e4mieneinnahmen in der Lebensversicherung und ein unterdurchschnittlicher Zuwachs in der Schaden-Unfallversicherung. Erste Vertragsabreifungen und ein flaues Neugesch\u00e4ft verst\u00e4rkten die Abw\u00e4rtsbewegung der Pr\u00e4mieneinzahlungen in die pr\u00e4mienbeg\u00fcnstigte Zukunftsvorsorge. Das anhaltend niedrige Niveau der Renditen auf dem Kapitalmarkt verhinderte trotz steigender Kapitalanlagen ein Anwachsen des \u00dcberschusses aus der Finanzgebarung. Die Umsetzung der EU-Richtlinie \\\"Solvency II\\\" wurde auf J\u00e4nner 2016 verschoben; \u00d6sterreich wird allerdings einige Ma\u00dfnahmen aus der zweiten und dritten S\u00e4ule von Solvency II bereits ab 2014 umsetzen.<\\\/p><p>KW  - Privatversicherung<\\\/p><p>KW  -  Solvency II<\\\/p><p>KW  -  Private Pensionsvorsorge<\\\/p><p>M3  - WIFO-Schriftenreihen<\\\/p><p>VL  - 87<\\\/p><p>SP  - 609<\\\/p><p>EP  - 618<\\\/p><p>JO  - WIFO-Monatsberichte<\\\/p><p>JF  - WIFO-Monatsberichte<\\\/p><p>ER  - <\\\/p><\\\/div>\"}","scientific_assistance":"[]","scientific_review":"[]","version":"","release_date":null,"expiration_date":null,"surveyor":"","research_assistance":"","edv":"","additional_info_de":"","additional_info_en":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Weak Growth Impacts on Private Insurance Business in 2013 - WIFO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wifo.ac.at\/en\/publication\/119492\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Weak Growth Impacts on Private Insurance Business in 2013\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wifo.ac.at\/en\/publication\/119492\/\" \/>\n<meta property=\"og:site_name\" content=\"WIFO\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WIFOat\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-14T12:04:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WIFOat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/119492\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/119492\\\/\",\"name\":\"Weak Growth Impacts on Private Insurance Business in 2013 - 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