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Authors
Advisor(s)
Abstract(s)
A presente dissertação assenta em dois objetivos: o primeiro focaliza-se numa
comparação da atividade seguradora entre Moçambique e Portugal, descrevendo as suas
realidades, e o segundo em saber se a relação entre o desenvolvimento geral é
equivalente à relação entre o desenvolvimento da atividade seguradora em ambos os
países. A finalidade foi cumprida através da elaboração do rácio combinado – indicador
de desenvolvimento da atividade seguradora – e da análise do índice de
desenvolvimento humano – representando o desenvolvimento geral – , retirados das
contas das entidades de supervisão de seguros dos dois países e do Programa para o
Desenvolvimento das Nações Unidas respetivamente, relativamente ao ano 2009, pois
foi o ano mais recente que obtivemos o relatório da atividade seguradora proveniente de
Moçambique. Neste sentido, constatou-se que o setor segurador moçambicano é ainda
incipiente em relação ao português e que ainda não contribui significativamente para o
desenvolvimento geral do país. Mas, em termos relativos, a atividade seguradora
moçambicana está mais desenvolvida em relação à de Portugal.
This thesis is based on two objectives: the first focuses on a comparison of insurance activity between Mozambique and Portugal, describing their realities, and second whether the relationship between the overall development is equivalent to the relationship between the development of insurance activity in both countries. The purpose was accomplished through the development of the combined ratio - an indicator of development of insurance activity - and the analysis of the human development index - representing the general development - removed from the accounts of insurance supervisory authorities of the two countries and the Program for United Nations Development respectively, for the year 2009, it was the most recent year we got the report of the insurance activity from Mozambique. In this sense, it was found that the insurance industry is still nascent Mozambican against the Portuguese and that still does not contribute significantly to the overall development of the country. But in relative terms, the Mozambican insurance activity is more developed in relation to Portugal.
This thesis is based on two objectives: the first focuses on a comparison of insurance activity between Mozambique and Portugal, describing their realities, and second whether the relationship between the overall development is equivalent to the relationship between the development of insurance activity in both countries. The purpose was accomplished through the development of the combined ratio - an indicator of development of insurance activity - and the analysis of the human development index - representing the general development - removed from the accounts of insurance supervisory authorities of the two countries and the Program for United Nations Development respectively, for the year 2009, it was the most recent year we got the report of the insurance activity from Mozambique. In this sense, it was found that the insurance industry is still nascent Mozambican against the Portuguese and that still does not contribute significantly to the overall development of the country. But in relative terms, the Mozambican insurance activity is more developed in relation to Portugal.
Description
Dissertação para obtenção do Grau de Mestre em Contabilidade e Finanças
Orientador: Mestre António de Almeida Pinto Marques
Keywords
Atividade seguradora Desenvolvimento e performance Insurance activity Development and performance
Citation
Publisher
Instituto Politécnico do Porto. Instituto Superior de Contabilidade e Administração do Porto