[analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23126971\/1\/1-sorin-mititelu.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23126971\/1\/1-sorin-mititelu.jpg”]<\/p>\n
\u2666<\/span>\u00a0Mai bine de jum\u0103tate din poli\u0163ele RCA sunt de B7 \u015fi B8, ceea ce nu este normal, spune Sorin Mititelu, vicepre\u015fedinte ASF.\u00a0<\/strong><\/em>\u2666<\/span><\/strong><\/em>\u00a0Astfel, sistemul bonus-malus are un deficit de juste\u0163e, \u00een sensul c\u0103 nu face diferen\u0163a \u00eentre evenimentele cu impact major \u015fi ceilal\u0163i participan\u0163i la acest sistem\u00a0<\/strong><\/em>\u2666<\/span><\/strong><\/em>\u00a0Cel pu\u0163in pentru 2025 rata combinat\u0103 la RCA este de 102%. Mai sunt \u015fi rezultatele financiare care compenseaz\u0103 \u015fi duc aceast\u0103 rat\u0103 \u00eentr-o zon\u0103 pozitiv\u0103\u00a0<\/strong><\/em>\u2666<\/span><\/strong><\/em>\u00a0Indicatorii arat\u0103 c\u0103 primele practicate \u00een pia\u0163\u0103 sunt cele care sunt apropiate de normalitate, pentru a asigura un sistem stabil financiar\u00a0<\/strong><\/em>\u2666<\/span><\/strong><\/em>\u00a0Ceea ce avem ca \u015fi constat\u0103ri \u00een acest moment este c\u0103 sistemul bonus-malus are un deficit de juste\u0163e, \u00een sensul c\u0103 nu face diferen\u0163a \u00eentre evenimentele cu impact major \u015fi ceilal\u0163i participan\u0163i la acest sistem\u00a0<\/strong><\/em>\u2666<\/span><\/strong><\/em>\u00a0\u00cen pia\u0163a serviciilor de intermediere este de interes pentru c\u0103 observ\u0103m o reducere a num\u0103rului celor implica\u0163i \u00een activitatea de distribu\u0163ie\u00a0<\/strong><\/em>\u2666<\/span><\/strong><\/em>\u00a0Obiectivul este de a crea posibilitatea intr\u0103rii \u00een pia\u0163\u0103 a mai multor entit\u0103\u0163i, persoane fizice sau juridice, pentru a face distribu\u0163ie de asigur\u0103ri.<\/strong><\/em><\/p>\n \nPia\u0163a asigur\u0103rilor se afl\u0103 \u00een parametri, exist\u0103 capital, indi\u00adcatorii sunt la un nivel care poate fi considerat normal \u015fi, \u00een ciuda revenirii la o oarecare stabilitate a pie\u0163ei RCA, exist\u0103 \u00een con\u00adtinuare probleme punctuale care trebuie adresate pentru a putea ie\u015fi din cercul nesf\u00e2r\u015fit al capcanelor care vin exact din cea mai comun\u0103 form\u0103 de asigurare.<\/p>\n \nSorin Mititelu, vicepre\u015fe\u00addinte ASF, responsabil de supravegherea pie\u0163ei asigur\u0103\u00adrilor, a explicat \u00een cadrul unui interviu acordat ZF c\u0103 de\u015fi mecanismul bonus-malus func\u0163ioneaz\u0103, acesta \u015fi-a atins oarecum limita.<\/p>\n \n\u201eCeea ce avem ca \u015fi constat\u0103ri \u00een acest moment este c\u0103 are un deficit de juste\u0163e, \u00een sensul c\u0103 nu face diferen\u0163a \u00eentre evenimentele cu impact major \u015fi ceilal\u0163i participan\u0163i la acest sistem de bonus-malus. A doua chestiune este de design, structural. Avem un sistem bazat pe 15 clase \u00een momentul de fa\u0163\u0103. Ceea ce face ca practic, dup\u0103 o perioad\u0103 relativ scurt\u0103, de la B0 p\u00e2n\u0103 la B8, s\u0103 \u00ee\u0163i trebuiasc\u0103 \u015fase ani f\u0103r\u0103 eveniment ca s\u0103 ajungi la maxim. Maximul \u00eensemn\u00e2nd o reducere a primei pe care \u0163i-o propune asi\u00adgur\u0103torul cu 50%.<\/p>\n \nFrecven\u0163a dau\u00adnelor este undeva la 6%, ceea ce face ca dup\u0103 un num\u0103r de ani s\u0103 aib\u0103 loc o distribu\u0163ie asimetric\u0103. Mai bine de jum\u0103tate din poli\u0163e sunt \u00een B7 \u015fi B8. Acest bonus-malus con\u00adduce la un discount, ceea ce \u00eenseamn\u0103 c\u0103 discountul trebuie compensat cu o \u00eenc\u0103rcare de la ceilal\u0163i\u201c.<\/p>\n \n\u00a0<\/p>\n<\/div>\n [analyse_source url=”https:\/\/www.zf.ro\/banci-si-asigurari\/interviu-cu-sorin-mititelu-viceprese-dintele-asf-paradoxul-rca-mai-23126971″]<\/p>\n","protected":false},"excerpt":{"rendered":" [analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23126971\/1\/1-sorin-mititelu.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23126971\/1\/1-sorin-mititelu.jpg”] \u2666\u00a0Mai bine de jum\u0103tate din poli\u0163ele RCA sunt de B7 \u015fi B8, ceea ce nu este normal, spune Sorin Mititelu, vicepre\u015fedinte ASF.\u00a0\u2666\u00a0Astfel, sistemul bonus-malus are un deficit de juste\u0163e, \u00een sensul c\u0103 nu face diferen\u0163a \u00eentre evenimentele cu impact major \u015fi ceilal\u0163i participan\u0163i la acest sistem\u00a0\u2666\u00a0Cel pu\u0163in pentru 2025 rata combinat\u0103 la […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,28],"class_list":["post-1891535","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1891535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1891535"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1891535\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1891535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1891535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1891535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}