论文标题
Covid-19对北马其顿共和国保险业活动的短期影响
The short-run impact of COVID-19 on the activity in the insurance industry in the Republic of North Macedonia
论文作者
论文摘要
本文调查了2020年上半年联盟19日大流行对北马其顿共和国保险业的影响。通过利用季节性自回归模型和11个保险级别的数据，我们发现，与预期相比，保险活动缩减了10％以上。但是，该行业的总损失远低于保险监督机构提供的资金数量。这是因为大流行诱发的活动结构变化 - 汽车类别的份额以财产类别为代价。
This paper investigates the impact of the COVID-19 pandemic on the insurance industry in the Republic of North Macedonia during the first half of 2020. By utilizing seasonal autoregressive models and data for 11 insurance classes, we find that the insurance activity shrank by more than 10% compared to what was expected. The total loss in the industry was, however, much less than the amount of funds made available by the Insurance Supervision Agency. This was because the pandemic induced changes in the activity structure - the share of Motor vehicles class fell at the expense of the property classes.
