-
:
:
. MSc . 450172/2010
, 2013.
-
.......................................................................................................
1
.. ..................................................... 3
.........................................................................
4 .
........................................................................
6
...........................................................................
7
....................................................................................................8
1.
.........................................................................10
1.1.
....................................................................11
1.2.
.......................................................................14
1.3.
.....................................................................21
1.4.
......................................................................24
2. ................................................29 2.1.
.......................................................30 2.2.
1990. ..........................32 2.3. 1990.
......................41
3. 1990 - 2000.
.....................................................................................43
4. 2007 - 2011.
..............................................................49
4.1. ..................................................51
4.1.1.
.....................................................61 4.2.
.............................................65
4.2.1. ................................................71
4.3. ............................................75 4.3.1.
...............................................82 4.4.
.................................85
4.4.1. ....................................90
4.5. .............................94 4.5.1.
..............................100 4.6.
.........................................104
-
4.6.1. ............................................110
4.7. ........................................114 4.7.1.
...........................................120 5.
...............................................123 6. ....127
6.1. 2011.
........................................................128
6.2. 2011. 1981.
...........................................................151
7.
....................................................................................161
7.1.
.........................................................................167
7.1.1.
......................................................................................169
7.1.2.
........................................................................................171
7.1.3.
.......................................................................172
7.1.4.
......................................................................................173
7.1.5.
......................................................................174
7.1.6. , - .................175
7.2.
..........................................................................178
7.2.1. .....................................179 7.2.2.
..............................................................................180
7.3. ................................186 7.3.1.
...........188
7.4. ............................193 8. ..... ....... ..198
8.1. ........................202 8.2.
........................204
9. .....212 9.1. ......215
9.1.1. ...............215 9.1.2. ................216
9.2.
.........................................................218
...........................................................................................223
-
...........................................................................................231
............................................................................................................235
......................................................................................................................237
....................................................................................................................239
..............................................................................................................241
...............................................................................................................248
..................................................................................................................251
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2
. , , 1. , , 2.
, 3 4, , . , 5. , .
, ( ), , . , , .
:
.
(Commission on Insurance Terminology of the American Risk and
Insurance Association) 1 ., ., ., , , , 2009, . 19.2 ; ., , , , ,
2008, . 359 3 ., , , , . 4, . 1 4Gustavson T., Risk Management and
Insurance, 10th Edition, South-Western College Publication,
International Thompson Publishing, USA, 1998, str. 35 ., , , ,
2003, . 284.
-
___________________________________________________________________
___________________________________________________________________
3
, , , , 6. , .
, , . .
. 1981 1985. . , . 1981. 2011. 30 . , 1981. .
1981 1985. 2011. .
, .
, , . 6Rejda G.E., Risk Management and Insurance, Person
Education Inc, 2005, str. 20.
-
___________________________________________________________________
___________________________________________________________________
4
, . . , , .
, , , , : , , , , , .
, ( ) . , , , . . , , , .
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7 ., , , , , 2010, . 236
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7
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8
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(, ) (,
).
. . 10, .
1945. 1990. , . 1990 2000. .
1981 1985. , 1990. .
10 , 1914. .
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___________________________________________________________________
9
1990 2000. , .
2007 2011. 11.
.
2011. 1981. .
, . , , .
. .
. , , , , .
, , , , , , , .
11 , , ,
-
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___________________________________________________________________
10
-
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___________________________________________________________________
11
1.1.
, 12. , . , .
, , , , .
, , . 13:
,
. . .
, , , , 14. ,
12 ., , , , 2010, . 15 13 . . . . 27. 14Dorfman S. M, Risk
Management and Insurance, 6th edition, 1998, str. 6-7
-
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___________________________________________________________________
12
, . .
15 , 16. Lloyds-a , , 17.
, . , 18.
, , , , , .
, , 19 . , .
, : , . . 15 ; ., , , , 2006, . 66 16 ., , , , 2009, . 572 17 .,
P., ., , , , 2010, . 44 18 926. 1, , 31/1993, ( ) 19 ; ., , , , ,
2010, . 43
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13
. . , .
, . , . , , . , , . , . , . , 20.
. , 21. , . 22 .
, , , , , . 20 . 55/2004 21 , 114 119, . 55/2004 22 ., ., , , ,
2010, . 15
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14
1.2.
(. assurance,23 . insurance24, . Versicherung25) , , , 26. . ,
?
. , , 27.
, , , . . , , .
, , , , . XIX XX . ,
23 ., , , , 2007 24 aa Marija, - - -, ( ), , , 200025 , , - , (
), , , 199426 www.zivotnoosiguranje.net ( 7.06.2012.) 27 ., ., , ,
, 2007, . 205
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15
, 28.
(, , ) . , , , , . 29.
( )30, .
31, . , : 23 , 112 , 125 , 206 207 , 220 233 , 237 238 32.
, , , , , 33.
, 34. . III ... 28 ., , , , 2011, .3 29 ., , , 1986, . 2030 ., .
. .331 ( ) ( , 1728 1686. . . . () 1902. . , ., ., , , , 1993, . 4
32 . , , 1968, . 19 - 5433 . . . . 2134 . . 25, 51
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16
. , , ., . ( , , , ). VI ..., 35. (640-588. ...) , . , . , , , .
36. , . . , 37. . : , , . 160 . , 38.
35 ., , , , 1966, . 40 36 Vance R. W., Handbook on the Law of
Insurance, St. Paul, Minn., 1951, str. 9
37www.zivotnoosiguranje.net ( 7.06.2012.)38 . . . . . 21
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17
(V ) XI . . , 1182. . XII XV 400 , 39. ( ) : , . , , , , . ,
(1234. ) 40, . , , , , , , , : (1435. ), (1552. ), , , .
XIV XVI . , . XV , , . . Conserve. , . 39 . . . 2140 Monette F.,
(A. de Ville) Andr R., Traite des Assurances Terrestres, Tome I,
Brisel/Pariz, 1955, str. 11. ., , , , 2011, . 4
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18
, , . 1526. , 41. : , , ( ). 1794. 1808. 5 .
. , , , 18. 1536. , Wiliamu Gybbonsu. 400 . Gybbons .
, , 20. 1547. 42. , . . 1591. , (Feuer Kasse). 1666. , , Fire
office. 1752. , , 43.
, , , 41www.zivotnoosiguranje.net ( 7.06.2012.)42 . , . ., .
2143www.zivotnoosiguranje.net, ( 7.06.2012.)
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19
Edvarda Lojda (Edward Lloyd`s), . Edvardu Lojdu. Lloyd`s , 1688.
. 1871. , Lloyd`s e . Lojdova . Lloyd`s , .
XVII Jan de Vitu . , , . , , (Bernuli, Laplas Gaus). XVIII . .
1693. , . , 1699. , 44. 1762. , . New England Life 1835. , , 45.
1811. . 1811. , 1. , 1811. 46.
1759.
44 www.zivotnoosiguranje.com, ( 8.06.2012.)
45www.zivotnoosiguranje.com, ( 8.06.2012.)46 Rohrbach W., Na
izvorima istorije austrijsko-srpskog osiguranja: 200 godina agenata
osiguranja, asopis Revija za pravo osigiiranja, 2011, broj 1. str.
37
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20
. .
XIX , . , , , . , . . 2011. 1.325.890 $, 1.650.866 $47, .
47 , ,2012, . 3, . 31
-
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21
1.3.
48, 49.
, XIX (. " )50.
1839. . . " , , 175 ", " "51.
" " 11. 1844. , : " ", 36 , , , : , , . , , , , , , , 52
. "" (1861), " " (1867), " " (1874), "" (1877), "" (1886). 19.
53.
48 1349. , 1354. . , ., , , , 2004, . 9 49 99 100, ., . 204 50 ,
-, www.emagazin.co.rs, ( 8.06.2012.)51 www.osiguranje.eror.me, (
10.06.2012.) 52www.osiguranje.eror.me, (
10.06.2012.)53www.osiguranje.eror.me ,( 10.06.2012.)
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22
31. , 54.
, " ", 1897. . 1902. "", 1906. , - "" ( 2, ).
, . , 1897. . , ( 3, ). "" "" ""55 ( 1, ).
: , , , . Assicurazioni generalli , Croatia .
XX . , . .
, , . , , , 28 ( ), ", ", "). 54 1 2, 31.03.1892.
55www.zivotnoosiguranje.net, ( 7.06.2012.)
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23
30, . ( ); 1937. ( , ); ( ) 56 , : , , .; , , .
1937. , .
, 1. 1937 , , , , , 57.
56 ; ., , , , 2007, . 324 57 , -, www.emagazin.co.rs, (
8.06.2012.)
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24
1.4.
II , . 5 :
1. 2. 3. 4. 1974. 5. .
, , , 1968. 1990. , , .
(1945-1961). II . , - 21. 1944. 58. : , , , .
() 1. 1945. . . () , . 59:
58 ., , , 1969 59 , , , 1945, . 12
-
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25
, .
. . , . 1947. . .
( 1962-1967). . . , , . 1962. 142 8 . , . , . , . . . -, , ,
.
-
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26
(1968-1974). 1. 1968. . 1961-1962. . :
()
( ) , -
1967. (
128), 1967. 11 :60 , , , , , ,
60 ., , , , 2011, . 1. . 10
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27
, , , , ,
, , , , .
1968. , , . , . , . 1974. ( ).
1974. . 1972. . , (XXI, XXII XXIII) 1971. . :
, . - .
, 4. 1974. , 1976. .61
:
61 , , 24/1976,
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28
,
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29
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30
2.1.
, . 62. , , , .
63, , , 64 , .
, , 1961. , 65. , .
1965. .66 , , .
1976. 67 , . , , . . 62 , 12/1945, 63 , , 25/1948, 64 ; ., , , ,
, 2008, . 230 65 , 27/1961, 66 , , 15/65, ( ), 67 , 24/1976
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31
. o 1978. 68, a 1984. , o .
1990. 69, 1976. . , , , 1991. . , , . , , 70.
68 , 29/1978, 69 , 17/1990, 70 , ,
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32
2.2. 1990.
: , , , , , . , , .
, , . . .
1. - 1981. 71
71 , , , 1983, . 420. .
-
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33
1981. 3.700 (3.929 $)72. , , , , - .
- ( 1). 1981. 7.500 , 2.371 , 3,5 , , 3.700 , 1,5 .
, .
2.
1981. 73 72 , 30.06. , , 31.12.2011. , ( / ) . 73 , , , 1983, .
572
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___________________________________________________________________
___________________________________________________________________
34
1985. ( 2), . 36,5%74 , , 25,2%, . 17,5% , . , .
3. 1981. 75
, ( -) 1981. ( 3). 128 , 39 . - 61 , 74 , . . 75 , , , 1983, .
357
-
___________________________________________________________________
___________________________________________________________________
35
. 46 , 54 .
1981. , 7,7%, - , 76, - . .
4. - 1981. 77
- 7,2% , 9% . 7,5%, 7,7% . - 8,0%, 8,8%.
( 4). 76 - 1972. , 1981. , () 1973 74. 77 , , , 1987
-
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36
, . , .
, - 9% .
000 000
1981 1.369.732 82.955.152 22.471.000 15.378 89.071 61 3.6921982
1.042.899 84.933.747 22.642.000 15.562 67.016 46 3.7511983 790.616
86.902.206 22.805.000 15.685 50.406 35 3.8111984 744.984 88.882.325
22.966.000 16.453 45.280 32 3.8701985 638.048 90.846.236 23.118.000
16.771 38.045 28 3.930
1. , -
1981.-1985.
1. - 1981 - 1985. 78
78 , , , 1983 1987
-
___________________________________________________________________
___________________________________________________________________
37
- 3.700 1981. 3.800 1985. ( 1). , , 61 1981. 28 1985. . , .
.
, , , 1981. 89.000 , 1985 38.000 , .
, 1972. 1972., 79.
5. 1981 1985 80
79 , , , 1983, . 420 80 , , , 1983 1987
-
___________________________________________________________________
___________________________________________________________________
38
( 5) : 1981. 51,9%, 1982. 62,7%, 1983. 58,4%, 1984. 59,1% 1985.
70,6%. , 1985. 13,3% .
%
1982 1983 1984 1985 1986 1987 1988
1 2 3 4 5 6 7 8 9=1-8/8 1 11,66 10,95 11,05 13,42 16,20 16,71
18,06 16,942 12,47 11,46 10,73 12,08 13,75 15,50 18,70 16,643 11,26
10,32 10,26 11,08 11,96 12,29 12,49 12,974 11,31 10,68 10,43 10,07
10,89 10,44 10,08 10,285 11,57 11,28 10,77 11,67 12,02 12,90 13,17
12,766 12,25 12,58 11,26 11,48 11,69 11,70 16,22 14,187 12,98 12,24
12,65 14,32 16,40 17,72 19,54 18,348 13,25 11,44 11,42 12,16 12,40
14,21 17,70 15,75
12,31 11,54 11,26 12,65 14,19 15,27 17,71 16,22
2. () 1982-1988. 81
() . , , . . , . . .
81 , 10/1989, , , ,
-
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39
2. (), 1982 1988. .
10,07% 4 1985. 19,54% 7 1988. . 11,26% 1984. 17,71% 1988. . . ,
, 24% 26%, .
, , , (). , , . () .
, , .
, , , , , .
-
___________________________________________________________________
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40
. 82.
6. () 1981 1985 83
1. () 1981 1985. , 10,1% 1981. 13,3% 1985. ( 6). .
82 ., , , , , , , 200483 , , , 1983 1987. .
-
___________________________________________________________________
___________________________________________________________________
41
2.3. 1990.
- . -, ( 2), , 101.410 1981. 42.007 1985. , , , , .
000 000
1981 503.928 31.168.880 9.332.000 4.930 101.410 54 3.3401982
385.318 32.206.946 9.398.000 5.022 75.798 41 3.4271983 283.920
32.717.048 9.464.000 5.144 56.099 30 3.4571984 276.399 33.291.783
9.531.000 5.362 50.712 29 3.4931985 230.280 33.956.705 9.595.000
5.544 42.007 24 3.539
3. , - 1981.-1985.
2. -
1981 - 1985. 84 84 , , , , 1983 1987
-
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42
1985. , 1981. .
7. 1981 1985 85
( 7) 52% 70% , ( 2) , - , - , .
85 , , , , 1983 1987
-
___________________________________________________________________
___________________________________________________________________
43
1990 - 2000.
-
___________________________________________________________________
___________________________________________________________________
44
1990. , .
25. 1988. 1974. 86, . 1990. 87, :
() , 95%.
. 1991. 1995. , . , 1990. . , 1994. 88 , 89. 1996. 90, .
86 , 70/1988, 87 , 19/1990, 88 , . 64/1994, 89 , . 9/1994, 90 ,
30/1996,
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45
1991-1995. , . , 1992 1993. . 1 : 13.000.00091, 13.000.000 1 92.
: , 93.
1992. , . , , , (), . , . . , , .
. , , . 91 , 6/1994, 92 Oo eo oo aa ea ao a je ojae oj J . 16 (a
a a), oja je oaa a a 23. 01.1994., a eje e o 00 aoa 24. 01.1994. oe
93 ., ; , , , 2004, . 67
-
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46
, , , 94. , , . , , .
. , . , . 24. 1994. 1 = 1 , . . , . ( 65 ), 1997. 2004. 40
95.
1996. , . 94 , 95 www.mfp.gov.rs, ( 9.06.2012)
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47
. . . 250.000 $ , 2.000.000 $ 96.
. . , . 200.000 $, 100.000 $ 97. 98.
2004. 99 . 100. , , . . .
96 28, , , 30/1996, , ( ) 97 86, 98 99, 99 , , 55/2004, , ( )
100 , ,
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48
101. . , , . , 1996. .
, 2009. 102, . :
; .
; 500 1.000
103
.
. / . .104 .
101 28, -, : 4.000.000 4.000.000 , 102 , 41/2009, 103 . 117. 1.,
, 41/2009, , ( ) 104 ., , , , 2011, . 99
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49
2007 2011.
-
___________________________________________________________________
___________________________________________________________________
50
. . , . .
, . , 105 .
, : , .
, . , (-), . .
, 31.12. , .
105 ; ., , , , , 2010, . 27
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51
4.1.
, , , . , , .
2000. 2008. 5,4% . , 2009. 3%, , 106.
, , , , , .
( 4) 2004 1.6%, 8.43%, , 2011. 1.8%, , , , , .
, , , . 2011. 47 1.000 , 2.757 107. ,
106 . ., , , , 2010, 8/ 1, . 18107 Swiss Re, asopis Sigma, 2012,
br. 3, str. 38
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52
276 108, 104 . 100 , .
8,7 3,1 11,8 5,5 4,5 10,0 3,2 3,6 6,8 1,8 4,1 5,9 1,8 2,1 3,9
1,5 1,3 2,8 0,7 2,0 2,7 1,0 1,3 2,3 0,4 1,7 2,1 0,3 1,7 2,0 0,3 1,5
1,8 0,3 1,2 1,5 0,1 1,4 1,5 0,1 1,4 1,5 0,2 1,1 1,3 0,2 1,1 1,3
4. - 2011. 109 , %110
2011. ,
57,3 , 2010. 56,5 , 1,4%. , , 2011 548 , 2010 536 .
2011. , , , 2008 589 ( 3).
, . 108 109 110 Swiss Re, asopis Sigma, 2012, br. 3, str. 39
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53
, . .
, , .
3. 2007 - 2011. 111
2007. 565 , 2011. 548 . 2008. 589 .
2007. 62 11%, 2011. 95 17,4%, , 2011. .
, , 111 , , , , 2007-2011, ( ), www.nbs.rs, ( 22.06.2012.)
-
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54
. , .
8. 2007 - 2011. 112
( 8) , , 91% 2007. 86,3% 2011 . , , , . . , . , , 112 , , ,
2007-2011, www.nbs.rs, ( 22.06.2012.)
-
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55
.
, .
9. 2011. 113
2011. 28 , 24 , 4 . 7 , 11 , ( ) 6 .
, 10 93.07% ( 9), 3 63%. , 25.93%, 113 , , , , 2011, . 7,
www.nbs.rs, ( 22.06.2012.)
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56
, 20% 18%, 0.0094% . , 2011 77,6% 8 93% . , 31%, 20% 18% .
10. 2011. 114
2% . 10 , . , .
92,5% . 114 , , , , 2011, . 7, www.nbs.rs, ( 22.06.2012.)
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57
25% , 25% 20% 70%, 8% ( 58). 13 .
`
11. 2011. 115
77,6%, 17,4% ( 11). 2010. 16,5%, 1%, , . 33% , . 13%, 7%, 4% .
26% 22% 4% .
115 , , , , 2011, www.nbs.rs, ( 22.06.2012.)
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58
12. 2007 2011. 116
548 2011 228 , 41,6% ( 12). . 39,5% 2007. 41,9% 2009. , .
, 117 100%, 110%, .
116 , , , 2007-2011, www.nbs.rs, ( 22.06.2012.) 117
-
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59
13. () 2005-2011. 118
2005 2011. ( 13), 2005. 2011. , 2011. 40,6%. , : 2011. 44,3%,
48,5%, , 18,6%.
, , , . , .
118 , , , 2007-2011, www.nbs.rs, ( 22.06.2012.)
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14. 2007 2011. 119
. : , , , . , .
, , ( 14). 2008. 24,2 , . 2011. 5,3 , . , , , . 119 , , ,
2007-2011, www.nbs.rs, ( 22.06.2012.)
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61
4.1.1.
28 21 , 7 , ( ) .
15. 2007 2011. 120
2007. , 41,4%, , 2011. 32,1% ( 15). 26%, ( ) , , .
120 , , , 2007-2011, www.nbs.rs, ( 22.06.2012.)
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62
16. 2011. 121
2011. ( 16) 60%, 92%.
000 000
2007 565.000 28.301.364 7.337.662 9.696 58.271 77 3.8572008
589.000 32.726.313 7.362.500 11.713 50.286 80 4.4452009 558.000
29.038.026 7.342.105 11.142 50.081 76 3.9552010 536.000 28.202.411
7.342.466 11.142 48.106 73 3.8412011 548.000 32.636.444 7.611.111
11.289 48.543 72 4.288
5. , -
2007.- 2011.
121 , , , 2011, www.nbs.rs, ( 22.06.2012.)
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63
4. - 2007 - 2011. 122
. 2007. 3.857 , 4.445 2008. 2009. 3.995 2011. 4.288 ( 4). .
-, 2011. . 2007. 77 , 2008. 80 , 2011. 72 .
. 2007 58.271 2011. 48.543 16,4%, 3 %.
122 , , , 2007-2011, www.nbs.rs, ( 22.06.2012.)
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64
5. - 2007 - 2011. 123
- 1,8% 1,9% ( 5). , , . 1,8% - 2011. 65. .
. 4,1% 4,4% , , , , .
2011. 5.33 , 1% 18.4 , 3,4%
123 , , , 2007-2011, www.nbs.rs, ( 22.06.2012.)
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65
4.2.
2011. ( 6) 1.215 , 3% , 6% 2009. . , , , . 2008. 1.317 . 2008. ,
.
6.
2007 - 2011. 124
27,4% 2007. 26,6% 2011. , . 124 ( ), , , 2007 2011, www.., (
26.07.2012)
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66
17.
2007 - 2011. 125
( 17) 89,1% 2007. 88,4% 2010 , 2011. 83,7%. 2011. , . J , .
28 , 2011. , 10 , 7 , 10 , , , . 2006. , 126 1. 2006. , . 125 ,
, , 20072011, www.., ( 26.07.2012) 126 , , . 151/2005
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67
18.
2011. 127
87% , 13% ( 18). 37% .
19. 2011. 128
127 , , , 2011, . 15, . 53, www.., ( 26.07.2012) 128, , , 2011,
. 15, . 53, www.., ( 26.07.2012)
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(19). 83% , 17%. . 15% , 14%. 10% . , .
20. 2011. 129
, . 26.6%, . 31% , 9%, ., 21%, 7% ( 20). 129 , (2011), . 15, , ,
. 54, www.., ( 26.07.2012)
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69
21. 2007 2011. 130
2011. 609 , 50,1% ( 21), 2007. 47,1%. 47 51%, 2008. 47,4%, 2009.
50,9% 2010. 47,6%. .
, , () .
2011. 59 , 4,8% 2007. ( 22). . 130 , , , 20072011, www.., (
26.07.2012)
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70
22. 2007 2011. 131
2007. 46,5 , 2008. 1,4 . 2008. . 2007. .
, . 2009. 8,6 , 39,4 2010. 59,9 2011. .
131 , , , 20072011, www.., ( 26.07.2012)
-
___________________________________________________________________
___________________________________________________________________
71
4.2.1.
23. 2007 2011. 132
, . 2007 2011. , 2011. 2007. 57% , ( 23) . 31% .
2011. 27 , 16 ,
132 , , , 20072011, www.., ( 26.07.2012)
-
___________________________________________________________________
___________________________________________________________________
72
43% , 78% ( 24).
24. 2011. 133
, , , 31,6% .
000 000
2007 1.235.010 39.911.258 4.442.482 9.398 131.412 278 8.9842008
1.317.020 48.791.822 4.434.411 10.514 125.263 297 11.0032009
1.288.400 43.920.715 4.427.491 11.077 116.313 291 9.9202010
1.253.110 44.979.121 4.427.951 11.180 113.100 283 10.1582011
1.219.370 45.085.764 4.418.007 10.575 115.307 276 10.205
6. , -
2007.- 2011.
133 , , , 2011, www.., ( 26.07.2012)
-
___________________________________________________________________
___________________________________________________________________
73
7. - 2007 - 2011. 134
, (pr cpit) 2011 2010 (283) 276. 2009. 298 ( 7). 2001. 2011.
3,4%135, .
- , . , 2008. .
2007. 2011. 1,3%, 12,5%. 134 , , , 20072011, www.., (
26.07.2012) 135 , , , 2012, www.dzs.hr, ( 26.07.2012)
-
___________________________________________________________________
___________________________________________________________________
74
8. -
2007 - 2011. 136
( 8). 3,4% 2007 4,9% 2011 , .
, . 2007. 2,9% 2001. , 2,7%. 2008. , .
, , 25 . , ( ). 136 , , - , e, 2007-2011, www.hnb.hr, (
28.07.2012)
-
___________________________________________________________________
___________________________________________________________________
75
4.3.
2011 , 2.053 , 2% 2010. , 2.074 2009. 2.073 . . , , . , , ,
2008. . .
9. 2007 - 2011. 137
137 , , , 2008 2012, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
76
32% 2007. 29% 2011. ( 9). .
25.
2007 - 2011. 138
, . . 5% 2007. 13% 2011. , ( 25) , , .
138 , , , 2008 2012, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
77
26. 2011. 139
2.053 2011. , 19 , 4 , 5 , 10 ( 26).
, , .
1.454 , 70,8% 98% , 68% . 34% . 17% 13% . 6% .
139 , , , 2012, . 17, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
78
27. 2011. 140
29,2% , , 30%, 2011. ( 27). . 292 , , , 1.278 .
92%, 8%. 73% . 34% . 17%, 12% 10% . 7% .
140 , , , 2012, . 17, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
79
28.
2011. 141
( 28) 71%, 29%. . 16%. 29%, 21% 5% 55% , . 12%, , . 9%, 12%.
141 , , , 2012, . 50, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
80
29. 2007 2011. 142
2.053 2011 , 1.289 , 63% ( 29). 2011. 46-51%, , . 2% 2011. .
, 2011 99 , 4,8% . , , .
142 , , , 2008 - 2012, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
81
30. od 2007 2011. 143
2007-2011. , ( 30). 230,6 2007. , 2008 -113 . 2008. ( 150 ) ,
2008. . , , . , 2011. 99 .
143 , , , 2008 - 2012, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
82
4.3.1.
31.
2007 2011. 144
( 31) 90%, . 21 14 , 7 .
32.
2011. 145 144 , , 2008 - 2012, www.zav-zdruzenje.si, (
17.09.2012) 145 , , , 2012, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
83
2011 7% ( 32), 17%.
000 000
2007 1.893.980 33.550.503 2.019.168 6.064 312.332 938 16.6162008
2.018.950 37.124.208 2.039.343 6.331 318.899 990 18.2042009
2.072.923 35.680.161 2.087.536 6.306 328.722 993 17.0922010
2.094.342 35.575.124 2.049.258 6.128 341.766 1.022 17.3602011
2.053.443 35.616.969 2.053.443 6.099 336.685 1.000 17.345
7. , -
2007.- 2011.
10. - 2007 - 2011. 146
146 , , , 2008 - 2012, www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
84
. 17.000 ( 10). - , 1.000 . , 312.000 2007. 330.000 2011, .
11. -
2007 - 2011. 147
- 5,5 6%, ( 11) . 7,9% -. 5,8% - 2011. 23. .
. 8,6% 11,5% 2,5 3 . 147 , , , 2008 - 2012,
www.zav-zdruzenje.si, ( 17.09.2012)
-
___________________________________________________________________
___________________________________________________________________
85
4.4.
, , , , . , .
2011. 182 , 1% , 20% 2007. ( 12).
, . 4,3%.
12. 2007 - 2011. 148
148 , , , , 2007-2011, www.azobih.gov.ba, ( 1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
86
, 19,3% 2007. , 16,7% .
33. 2007 - 2011. 149
( 33) 2007 2011. 7%, . . , , . , , . , . 149 , , , , 2007-2011,
www.azobih.gov.ba, ( 1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
87
34. 2011. 150
2011. 14 . 14 , 6 , 7 ( 34).
90% 8 , 10% . 21%, - 14% 11%. 10% . HHI151 .
150 , ( ), , 2011, . 1, www.nados.ba, ( 1.10.2012)151
Horfindahl-Hirschman indeks, . .
-
___________________________________________________________________
___________________________________________________________________
88
35.
2011. 152
8 ( 35), 4 87% , 30%, 25%, 24% 8% . , .
36.
2011. 153 152 , 2011, . 1, www.nados.ba, ( 1.10.2012)153 , 2011,
. 2, www.nados.ba, ( 1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
89
( 36), 42% 14% . 19% , 8% , 17% .
37. 2007 2011. 154
2011. 73,7 , 40% , ( 37). , 40,4% 2011. 46,9% 2008. , 46,% ,
.
154 , , , , 2007-2011, www.azobih.gov.ba, ( 1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
90
38. 2007 2011. 155
8,2 , 4,5% 2009. , 5,4 2010. , 2011. 5,6 , 3,1% ( 38). , . ,
2008 2009. .
4.4.1.
( 39)
2007. 2011. . 6 155 , , , 2007-2011, www.azobih.gov.ba, (
1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
91
. 46,7% 2007. 52,8% 2011. .
39. 2007 2011. 156
40.
2011. 157
, ( 40) 47% 8% . 156 , , , , 2007-2011, www.azobih.gov.ba, (
1.10.2012)157 , (2011) , , , 2011, . 21, www.azobih.gov.ba, (
1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
92
000 000
2007 151.800 7.593.036 3.036.000 2.331 65.122 50 2.5012008
171.600 7.918.918 2.813.115 2.491 68.888 61 2.8152009 173.150
8.035.334 2.934.746 2.519 68.738 59 2.7382010 178.650 9.273.258
3.308.333 2.630 67.928 54 2.8032011 182.400 8.937.600 3.091.525
2.602 70.100 59 2.891
8. , -
2007.- 2011.
13. - 2007 - 2011. 158
- , . (13).
158 , , , , 2007-2011, www.azobih.gov.ba, ( 1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
93
, , . , . 50 2007. , 61 2008. , , 2009 59 .
14. -
2007 - 2011. 159
3,5% 2007. 4,5% 2011. ( 14), 2,2%. .
159 , , , , 2007-2011, www.azobih.gov.ba, ( 1.10.2012)
-
___________________________________________________________________
___________________________________________________________________
94
4.5.
2007 - 2011. , 15%, . . 2011. , 67 2010. 7,1%, ( 15).
1,6% , .
15. 2007 - 2011. 160
160 , ( ), , , , 2007-2011, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
95
4,7% 2007. 2011. 7,8%. , .
41.
2007 - 2011. 161
( 41), . , , . 2-3% , .
11 , 8 , .
161 , , , , 2007-2011, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
96
, , .
42. 2011. 162
, 62 2011. , 11 ( 42). 8 87% , 13%163.
43. 2011. 164
162, , , , 2011, . 11 www.azors.rs.ba, ( 25.06.2012)163 , , , ,
2011, . 13 www.azors.rs.ba, ( 25.06.2012) 164, , , , 2011, . 11
www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
97
( 43) 2011. 5,3 , 0,4% , . 92%, 5% 3% .
44. 2011. 165
. 2011. 7,8%, ( 44). 68% , 7%, 6%, 1%, 9% 2% .
165 , , , , 2011, . 13, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
98
45. 2007 2011. 166
2011. ( 45) 21,2 , 31,6% . .
2007. 31,4%, 2008. 38,8%, 2009. 33,6%, 2010. 34,6%.
, , , . .
166 , , , , 2007-2011, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
99
46. 2007 2011. 167
, ( 6,9 ) 10% ( 46). , , , . 2008. , . 38,8% 2008. 200.000 .
, , , 2010. 7,3 , 116% . 167 , , , , 2007-2011, www.azors.rs.ba
, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
100
4.5.1.
11 , 2011. , 7 63,1% . 2007. 70,1%, 2008. 51% ( 47). 2009. 73,5%
, 2010. 63,5%.
2009. .
2010. 73,5% 63,5%, , .
47.
2007 2011. 168
168 , (2007-2011), , , , www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
101
48. 2011. 169
2011. , 61%, 100% ( 48), .
000 000
2007 53.830 4.015.718 1.538.000 816 65.968 35 2.6112008 54.890
3.855.065 1.276.512 871 63.020 43 3.0202009 61.350 4.384.280
1.496.341 927 66.181 41 2.9302010 62.690 4.321.236 1.457.907 1.177
53.263 43 2.9642011 67.160 4.429.702 1.428.936 1.211 55.458 47
3.100
9. , -
2007.- 2011.
169 , , , , 2011, . 5, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
102
16. - 2007 - 2011. 170
: 2.611 2007. , 3.020 2008. , 2.930 2009. , 2.964 2010. 3.100
2011. ( 16).
, .
: 35 2008. , 43 2008. , 41 2009. , 43 2010. , 47 2011. .
, .
170 , , , , 2007-2011, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
103
17. -,
2007 - 2011. 171
2011. 1,5% 2007 1,4% ( 17). 2010. , 1,7% .
4,1% 2007. 4,4% 2011. , , , .
171 , , , , 2007-2011, www.azors.rs.ba, ( 25.06.2012)
-
___________________________________________________________________
___________________________________________________________________
104
4.6.
2011. 64,8 , . 86% , 14% .
, ( 18).
51 2007. , 11,6%, 6 , 2011. 14%, 9 .
18. 2007 - 2011. 172
172 , ( ), , , 2007-2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
105
49. 2007 - 2011. 173
( 49), 55,8% 2007, 86,2% 2011. . . , .
2007. ), 2008. . . , , .
173 , , , 2007-2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
106
50.
2011. 174
12 , 5 , a 7 .
, 53% ( 50), : 18% , 13% , 12% 5% .
512.
2011. 175
174 , , , 2011, www.ano.me, ( 10.10.2012) 175 , , , 2011,
www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
107
( 42). 14% 9 . 2007. 11,6% 5 .
84% , 55% .
52. 2011. 176
( 52). . 2011. 12% 2%.
48 %.
11% 12%, 15% 5% .
176 , , , 2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
108
53. 2007 2011. 177
64,8 2011 27 , 42% ( 53).
2007 2011. . 2007. 32,9%, 2008. 39,3%, 2009. 46,2%.
2010. 42,3%, 2011. 41,6%, .
177 , , , 2007-2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
109
54. 2007 2011. 178
, 2007. 800.000 . : 2008. 4,2 , 2009. 9,2 2010. 7,1 ( 54).
2011 1,7 , 2,7% . , , , .
. (. 2008. 38% ), . 178 , , , 2007-2011, www.ano.me, (
10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
110
4.6.1.
55. 2007 2011. 179
12 10 , 2 ( 55). , 2007. 52,7%, 2011. 85,4%.
, , , .
179 , , , 2007-2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
111
56. 2011. 180
2011. ( 56). 83%, 98%.
17% 2% , 14,6%, , , .
000 000
2007 51.017 2.662.839 622.159 386 132.168 82 4.2802008 60.578
3.033.845 618.143 639 94.801 98 4.9082009 65.570 2.975.869 630.481
643 101.975 104 4.7202010 62.186 3.144.476 628.141 703 88.458 99
5.0062011 64.792 3.246.453 623.000 814 79.597 104 5.211
10. , -
2007.- 2011.
180 , , , 2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
112
19. - 2007 - 2011. 181
4.280 2007. 5.279 2011. , ( 19).
82 2007. 104 2011 , , .
132.168 2007. 79.579 2011. .
, , 109%, 27%.
181 , , , 2007-2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
113
20. - 2007 - 2011. 182
2011. 2% 2007 0 1,8% ( 20).
2,5% 2007. 4% 2011. , , .
182 , , , 2007-2011, www.ano.me, ( 10.10.2012)
-
___________________________________________________________________
___________________________________________________________________
114
4.7.
2011. , 110,7 , 2007. 100 11,5%, 2009. 100 97 . .
21. 2007 - 2011. 183
( 21) 97,2% 2007. , 2011. 92,7%. 183 , , , , 2007-2011, ( ),
www.aso.mk, ( 06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
115
57. 2007 - 2011. 184
( 57) 18,4% 2007. 14% 2011. . , , . .
2011. 11 4 .
( 58), . 81% 20%.
184 , aj , , 2007-2011, www.aso.mk, ( 06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
116
58.
2011. 185
( 59) .
59. 2011. 186
185 , aj 01.01-31.12.2011, , 2011, . 4, www.aso.mk, (
06.08.2012) 186 , aj 01.01-31.12.2011, , 2011, . 4, www.aso.mk, (
06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
117
8 90% 49% 41%. : 5% , 3% 2% .
2007. 2,8 2,8%, . 2011. , 8 7,3%, , . , , 0,4% .
60.
2011. 187
( 60) .
187 , aj 01.01-31.12.2011, , 2011, . 4, www.aso.mk, (
06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
118
() 48%, 13%, 8%, 20%, 3%. 6%, 1%. . .
61.. 2007 2011. 188
2011. 49 44% ( 61), . 2007. 46.9%, 2008. 49,3% 2009. 47,5%,
2010. 46,1%, 2011. 44,2%. 188 , aj , , 2007-2011, www.aso.mk, (
06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
119
62. 2007 2011. 189
2011. 1,2 , 2010. ( 62).
, .
, .
, .
189 , aj , , 2007-2011, www.aso.mk, ( 06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
120
4.7.1.
63.
2007 2011. 190
2007. 75% ( 63), .
64.
2011. 191 190 , , , , 2007-2011, www.aso.mk, ( 06.08.2012) 191 ,
aj 01.01-31.12.2011, , 2011, . 13, www.aso.mk, ( 06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
121
2011. , 14 , , 92%, 100% ( 64).
000 000
2007 99.331 5.917.290 2.027.163 1.057 93.974 49 2.9192008
104.634 6.735.557 2.051.647 1.262 82.911 51 3.2832009 97.101
6.446.317 1.981.653 1.283 75.683 49 3.2532010 105.380 6.942.682
2.066.275 1.356 77.714 51 3.3602011 110.703 7.503.203 2.050.056
1.423 77.796 54 3.660
11. , -
2007.- 2011.
22. -
2007 - 2011. 192
- . ( 22) 192 , aj , , 2007-2011, www.aso.mk, ( 06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
122
- 2.919 2007. 3.660 2011. . , 49 2007. 54 2011. ( ), 93.974
2007. 77.796 2011. , 35%, 11%.
23. - 2007 - 2011. 193
1,5% 2007 1,8% ( 23). , -.
2,5% 2007. 4% 2011. , , , .
193 , aj , , 2007-2011, www.aso.mk, ( 06.08.2012)
-
___________________________________________________________________
___________________________________________________________________
123
-
___________________________________________________________________
___________________________________________________________________
124
2009. 1930. 1.6%, 2011. 0.8%. 2.7%, - , 1.9%194.
2011. 106%, 2010. 102%. , -195.
65. 2011. 196
2011. (1.204.670 $) 26.2% ( 65). 14.3% (655.410 $), 7.0%
(319.550 $), 5.9% (272.110 $), 5.3% (245.160 $), 0.02% (780 $) 79 .
194 Swiss Re, asopis Sigma, 2012, br. 3, str. 1 195Swiss Re, asopis
Sigma, 2012, br. 3, str. 10 196 Swiss Re, asopis Sigma, 2012, br.
3, str. 33
-
___________________________________________________________________
___________________________________________________________________
125
75% , 25% . . ( 80). .
66. 2011. 197
197 Swiss Re, asopis Sigma, 2012, br. 3, str. 38
-
___________________________________________________________________
___________________________________________________________________
126
2011. 8.012 $ (6.192 ) , , 7 $ (5 ) 88 ( 66). 6.647 $ (5.137 )
5.974 $ (4.616 ). 2.757 $ (2.131 ) , 1.457 .
, 1.000 28. . : 276 47, 104 63 , 77 66 , 54 76 , 54 , 77 47 80
198.
198 , , Seiss Re. , , .
-
___________________________________________________________________
___________________________________________________________________
127
-
___________________________________________________________________
___________________________________________________________________
128
6.1. 2011.
, . , .
2011. , () 17.360 , 10.205 . 10.000 ( 67). - , 5.279 .
67. () 2011. 199
199 2011.
-
___________________________________________________________________
___________________________________________________________________
129
5.000 : 4.228 , 3.660 , 3.306 - 3.100 . 20.630 .
68. 2011. 200
- , , .
2011. ( 68), 2.053 .
1.215 548 .
200 .
200 2011.
-
___________________________________________________________________
___________________________________________________________________
130
182 , : 111 , 67 65 .
69. 2011. 201
, ( 69). 2011. 1.000 , 28 , 67 72 , 42 , 80. , . 276 47 , 104
65, 54 76 77 202. , ,
201 2011. 202 Swiss Re- ,
-
___________________________________________________________________
___________________________________________________________________
131
2011. 2.130 , 1.457 , 510 203.
70. - 2011. 204
- ( 70). 7.9%, 7,1%, - 1,5%, . 1,3% -.
6% . - . : 2,7%, 2,1%, 2,0% 1,8%. 203 Swiss Re, asopis Sigma,
2012,br. 3, str. 38 204 2011.
-
___________________________________________________________________
___________________________________________________________________
132
71. 2011. 205
, . . , .
. , 9,7% 3,4% ( 71). . 205 2011.
-
___________________________________________________________________
___________________________________________________________________
133
72. 2011. 206
, , , 1981. . 252.000 207 1981. 337.000 2011. 89.000 1981.
115.000 2011. ( 72). , , 1981. .
, . . . , . 206 2011. 207 , 72 33
-
___________________________________________________________________
___________________________________________________________________
134
73. 2011. 208
, .
62%, 37% .
, ( ) 30% ( 73), 26%, 19%, 17,5%, 14%, 8% 7%.
208 2011.
-
___________________________________________________________________
___________________________________________________________________
135
2001. 1%209, 2009. 15%. 2011. , 17,4%210 .
74.
2011 211
( 74) : 599 57.54% , 323 ,
209 , , , , 2002, 6 210 , 2011. , , 2011, . 8. www.nbs.rs, (
8.09.2012)211 2011.
-
___________________________________________________________________
___________________________________________________________________
136
30,54%, 33 , 2.87%, 5 0.37%, 95 , 7.49%, 9 0.74% 8 , 0.45%.
, , . .
75. 2011. 212
- ( 75). , , 212 2011.
-
___________________________________________________________________
___________________________________________________________________
137
, . . 16,5%, 70% . 32,5% , .
76. 2011 213
( 76), , 1.115 35,4%, 395 , 213 2011.
-
___________________________________________________________________
___________________________________________________________________
138
30,4%, 339 , 2,8%, 31 . 70%, 4,1%, 46 .
.
77. 2011. 214
2011. 4.282 , 3.657 , 625 , 14,6% ( 77).
, 16,3%, 4,9%. 214 2011.
-
___________________________________________________________________
___________________________________________________________________
139
262 , 199 111 . 53 , 8,5%.
( ), . .
, .
, , . , .
. 215, 216. () 1978.
215 ., , , , d, , , 2009, . 473216 , , 2010.
-
___________________________________________________________________
___________________________________________________________________
140
217. : 16 , 9 , 3 , .
, . : , , , . , . 62,5%, 80%, 93%. 2011. 780 , 384 140 , , ,
30,5% . 34%, 32% 26% .
, 2008. , , . , , .
2008. , , . , .
.
217 Levie G., La directive europenne sur la coassurance du 30
mai 111978, Bulletin des Assurances, 11/12, Bruxelles, 1977, .
750
-
___________________________________________________________________
___________________________________________________________________
141
78. 2011 218
2011. . 22%, 17%. 8%, 2%, ( 78).
, .
. , .
218 2011.
-
___________________________________________________________________
___________________________________________________________________
142
79.
2011 219
. : 93% , 57% , 47% , 40% 39% . 10% 8% 4% ( 79).
, . , , 50%. . 37%
219 2011.
-
___________________________________________________________________
___________________________________________________________________
143
, 37% 21% .
, , , . . 220. 14%, 8% 4%.
( ) 2011. ( 80).
50% (63%) (50%). : 44% 42%, 31% .
80. 2011. 221
220 19.12. 2012. 45,48% , www.sarajevoosiguranje.ba, (
3.01.2013) 221 2011.
-
___________________________________________________________________
___________________________________________________________________
144
1981 1985. , 52% 1981. 71% 1985. .
, . , . .
81. 2011. 222
222 2011.
-
___________________________________________________________________
___________________________________________________________________
145
223 . , , .
, 10% 20% ( 81). () . , .
n 82. () 2011. 224
. 223 ; ., , , , , 2010, . 43224 2011.
-
___________________________________________________________________
___________________________________________________________________
146
(). , . 2011. : 40,6% , 44% , 44,3% , 44,6% , 44,8% 48,5% ( 82).
26%, 20%, 31,2% , . (+) 10,1% 1981. 13,3% 1985. .
n 83.
2011. 225 225 2011.
-
___________________________________________________________________
___________________________________________________________________
147
, . 1973. , , 226.
. , .
24,3% 36,7% ( 83). (53,2%) (65,3%), .
84. 2011. 227
226 ., , , , 2012, . 82227 2011.
-
___________________________________________________________________
___________________________________________________________________
148
Aaa o ( 84.) a o jee ooe oe je a oaa a aae, . , 176 . , , , , .
, . . . 1,2 , 2011. 44%. , 60% (65 ) (111 ), 1,7 . , : 44%, 14%
14,5%. . .
116,5% . , , 100% . ,
-
___________________________________________________________________
___________________________________________________________________
149
: 228 2012. ?
, :
229. . . . , , . , , . , . , . 228 , , () . 229 ., .. . .
476
-
___________________________________________________________________
___________________________________________________________________
150
. - . . , .
50 . , , . , : , , , ; , , 230, .
, . . . , .
230 ., , , , , . 1/2012, . 21
-
___________________________________________________________________
___________________________________________________________________
151
6.2. 2011. 1981.
ao 85. oe ee -a 1981 2011. 231
- ( 85) 1981. 2011., , . , , . 30 231 , , , 1987, .420 2011.
-
___________________________________________________________________
___________________________________________________________________
152
, 8% . . 2011. 17.345 , - 10.205 . 5.279 , 4.228 - , 1981. ,
1981. .
- 2%, 2011. 6.688 (8.654$). 2011 7.290. 2011. 28%, , 72% , . -.
1981. - 2.371 , 7.496 3,2 . 2011. 17.345 , 2.961, 5,9 .
, , , , 1981. .
- , ( 86). 1981. , 36,5%, 2,4%. 2011. 48,5% 28,7% , .
-
___________________________________________________________________
___________________________________________________________________
153
ao 86. oe ee 1981 2011. 232
, , 42% 68% , .
1981. 2011. , ( 87), 1.000 276 . , 54 55 , 1981. .
2% 61 , 232 , , , 1987, .357 2011.
-
___________________________________________________________________
___________________________________________________________________
154
110 2011. . 2011. 9,47% 1981. 110 , 116 2011. .
ao 87. oe ee 1981 2011. 233
. 2011. 200 .
2011 116 1.000 276 . 50% . 233 , , , 1987, .357 2011.
-
___________________________________________________________________
___________________________________________________________________
155
1981. 39 , 128 3,3 . 2011. 54 , 1.000 18,5 . - , .
ao 88 .oe ee 1981 2011. 234
1981. 15.378 ( 88), 2011 34.013, .
234 , , , 1983,.572, 2011.
-
___________________________________________________________________
___________________________________________________________________
156
? . , - . . , . 2011. 1981. 40%. , , .
ao 89 .oe ee 1981 2011. 235
235 , , , 1983,.572, 2011.
-
___________________________________________________________________
___________________________________________________________________
157
1981. 2011. , ( 89). 2011. . 2011. 125.000 , (, , ), . 15.387
34.013 2011. . 337.000 , . , , 1981. .
ao 90. oe ee - 1981 2011. 236
236 , , , 1983,.572, 2011.
-
___________________________________________________________________
___________________________________________________________________
158
- 1981. 2011. ( 90), . 1981. - 5,5%, 5,8% 6,9%, 2011. - 5,8%,
1,5% 2,/%, 1981. . - 1981. , . , , . -.
91. () 1981. 2011. 237
237 , , , 1983,.572, 2011.
-
___________________________________________________________________
___________________________________________________________________
159
() ( 91), , . , 1981. 10,1%. 2011. , 18,6% , 40,6% 48,5%, 238. .
1981. 24%. 24, 48% : , , , .
, , , , , . . . .
2011. . 26% 20% . . , 238 ., , , , , 2011, . 381
-
___________________________________________________________________
___________________________________________________________________
160
, . , , 239, . . , , . .
, , 100% .
, .
239 ., , , , 2006, . 69
-
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__________
