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CNAA / Theses / 2009 / July /

Banking insurance in the context of improvement of the financial services rendering mechanism

Author: Fotescu Stanislav
Degree:doctor habilitat of economics
Speciality: 08.00.10 - Finance; Monetary Economics; Credit
Scientific consultant: Ludmila Cobzari
doctor habilitat, professor, Academy of Economic Studies of Moldova
Scientific council:


The thesis was presented on the 1 July, 2009
Approved by NCAA on the 1 October, 2009


Adobe PDF document0.56 Mb / in romanian


Bankensurance, insurance products, integrated institution of financial supervision and settlement of activities displayed by banker insurance agents, commercial agreement, insurance components for financial-banking products, insurance components for insurance products, financial conglomerate, financial holding, mixed company


In the thesis, which is dedicated to the theoretical and practical aspects of the banking insurance, there is examined a wide frame of actual problems linked to the system of distribution of the insurance products by way of banking network, to the tasks of creation of the partnership between insurance and banking institutions, to the substantiation of the main directions for the diversification of insurance products distribution systems on the basis of banking insurance in our country.

The process of investigations was based on the insurance companies and commercial bank’s strategies depending on economic situation in given country, on particularities of national legislation, as well as on modalities applied by the bankers and insurers regarding reciprocal use of channels for the insurance products distribution. Therewith, the support for the scientific research was constituted of dialectical and monographic methods, specific particularities of the insurance activity, as well as of international experience in banking insurance as an element of insurance products modernization – the significant factors that allowed an objective examination and argued solving of the problems mentioned above.

Scientific studies were oriented to the following priority directions of the improvement o the systems of insurance products sales on the basis of the banking insurance: the intensified study of the systematic and methodological principles of estimation and spreading (dispersion) of insurance risks on the basis of banking insurance, the conceptual substantiation of banking insurance under the conditions of transition period to the market economy, a study of the methods of combining, diversification and commercialization of the financial products through the network of sales done by the bankers and insurers. A special attention was paid to the forms and the methodology of banking insurers establishment, to the directions and the methods of the improvement of financial products sales mechanisms in given context and to the substantiation of the need of improvement of the methods of the bank insurers activity regulation.

The scientific generalizations, conclusions and proposals, which are included into the thesis, made it possible to develop a new integral and efficient concept of banking insurance as a form of insurance products sales under the conditions of a country with the transitional economy. The realization of this concept on the basis of modern information technologies will contribute to an increase in the liquidity of insurance products and of the level of the insurants’ property interests protection.