Český pojistný trh v době světové finanční krize

This work aims to describe the impact of the world financial crisis on the Czech insurance market from three different points of view. Firstly, it is the view concerning the macroeconomic indicators. Secondly, it focuses on the innovative aspects and finally, it is the view concerning the economy and legislation. The first part of the work deals with the macroeconomic indicators, their variation in time and impact on the insurance market. In this part, the variation of the insurance market indicators such as insurance companies' bottom line, the development of the technical account or the development of the premiums is assessed, too. The first part is followed by a chapter concerning innovations in life and non-life insurance. This chapter focuses mainly on the single premium life insurance as a trend closely related to the impacts of the financial crisis and the decline in financial-asset prices in the markets. Also, the chapter deals with the innovations in the particular insurance. In the conclusion of the work, the economic and legislative environment influenced by the financial crisis, which has lead to several proposals for legislative changes in the insurance, is outlined. My conclusion is that with the exception of the vehicle insurance market neither the world financial crisis nor the following depression has threatened the Czech insurance market in terms of the decline in the premiums. The financial crisis has changed the market in terms of product quality improvement and new innovations. Furthermore, it has started the debate and opened new space for the amendment of legislative documents. The legislative or product changes and processes caused by the crisis will continue in the market even in the nearest future.