La regulació de la gestió de riscos i la demanda empresarial de reassegurança durant l’Autarquia espanyola (1940-1952)
DOI:
https://doi.org/10.1344/rhiihr.v31i84.31954Paraules clau:
assegurança, gestió de riscos, reassegurança, regulació, espanyaResum
Aquest article examina els canvis en la regulació de la reassegurança implementats a Espanya durant l’autarquia, amb l’objectiu de demostrar que la restricció de les importacions de serveis financers afectà el funcionament del sector de l’assegurança i la gestió de riscos. Mitjançant una nova base de dades d’asseguradors i reasseguradors espanyols, s’indaga en la naturalesa de les barreres imposades en l’accés a la reassegurança estrangera, en els seus efectes en les estratègies corporatives i, en definitiva, en els determinants de la demanda de reassegurança. Malgrat la dependència crònica de l’assegurança espanyola de les xarxes internacionals d’intercanvi de riscos, les companyies espanyoles afrontaren aquest període d’aïllament amb l’ús intensiu de reasseguradores captives. Aquesta estratègia contribuí a alleugerir els desequilibris financers del sector i a substituir reasseguradors estrangers per companyies nacionals, si més no mentre la regulació restrictiva es mantingué en vigor.
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