摘要：Korisnici finansijskih usluga uglavnom nemaju potrebno stručno znanje koje im je neophodno da obrade raspoložive finansijske informacije prilikom donošenja finansijskih i investicionih odluka,te predstavljaju osetljivu kategoriju učesnika na finansijskom tržištu,koja može namerno ili nenamerno biti izložena manipulisanju.Ukoliko korisnici usluga nemaju relevantne i ažurne informacije,u odnosu između davaoca i korisnika usluge javlja se informaciona asimterija,te je zbog navedenih razloga neophodno adekvatnim regulatornim instrumentima zaštiti interese korisnika finansijskih usluga.U sektoru finansijskih usluga,razvijanje dugoročnog uspešnog odnosa između davaoca i korisnika usluga treba da bude bazirano na poverenju i osećaju korisnika da je dobio vrednost za cenu usluge koju je platio.Cilj rada je da se ukaže na savremene načine unapređenja zaštite interesa korisnika finansijskih usluga u poslovanju osiguravajućih društava i investicionih fondova.U radu se analiziraju razlozi zaštite korisnika finansijskih usluga,specifičnosti osiguranja kao finansijske usluge,značaj poverenja kao ključnog faktora privlačenja korisnika usluga i kompariraju osnovni principi poslovanja investicionih fondova na razvijenim i domaćem finansijskom tržištu.Posebna pažnja posvećuje se poslovanju osiguravajućih društava i investicionih fondova sa aspekta regulatornih i drugih mehanizama vlada država kojise primenjuju u funkciji zaštite osiguranika i investitora u fondove.
其他摘要：The users of financial services generally do not have the required expertise that they need to process the available financial information when they make financial and investment decisions,and as such they represent a sensitive category of financial market participants,which may intentionally or unintentionally be exposed to manipulation.If the beneficiaries do not have relevant and accurate information,the relationship between the provider and the service user is characterised with information asymmetry,and because of these reasons adequate regulatory instruments are necessary in order to protect the interests of financial services users.In the financial services sector,the development of a long-term successful relationship between providers and users of services should be based on mutual trust and users’ feel that they have received a value for the price paid.The aim of the paper is to highlight the modern ways of improving the protection of the interests of consumers of financial services provided by insurance companies and investment funds.The paper analyses the reasons for protection of consumers of financial services,specifics of insurance as financial service,the importance of trust as a key factor for the attraction of service users and the basic principles of operation of investment funds in the developed and the domestic financial market are compared.The particular attention is given to insurance companies and investment funds in terms of regulatory and other mechanisms of governments that are related to the protection of insureds and investment funds investors.
关键词：Korisnici finansijskih usluga uglavnom nemaju potrebno stručno znanje koje im je neophodno da obrade raspoložive finansijske informacije prilikom donošenja finansijskih i investicionih odluka,te predstavljaju osetljivu kategoriju učesnika na finansijskom tržištu,koja može namerno ili nenamerno biti izložena manipulisanju.Ukoliko korisnici usluga nemaju relevantne i ažurne informacije,u odnosu između davaoca i korisnika usluge javlja se informaciona asimterija,te je zbog navedenih razloga neophodno adekvatnim regulatornim instrumentima zaštiti interese korisnika finansijskih usluga.U sektoru finansijskih usluga,razvijanje dugoročnog uspešnog odnosa između davaoca i korisnika usluga treba da bude bazirano na poverenju i osećaju korisnika da je dobio vrednost za cenu usluge koju je platio.Cilj rada je da se ukaže na savremene načine unapređenja zaštite interesa korisnika finansijskih usluga u poslovanju osiguravajućih društava i investicionih fondova.U radu se analiziraju razlozi zaštite korisnika finansijskih usluga,specifičnosti osiguranja kao finansijske usluge,značaj poverenja kao ključnog faktora privlačenja korisnika usluga i kompariraju osnovni principi poslovanja investicionih fondova na razvijenim i domaćem finansijskom tržištu.Posebna pažnja posvećuje se poslovanju osiguravajućih društava i investicionih fondova sa aspekta regulatornih i drugih mehanizama vlada država kojise primenjuju u funkciji zaštite osiguranika i investitora u fondove.
其他关键词：The users of financial services generally do not have the required expertise that they need to process the available financial information when they make financial and investment decisions,and as such they represent a sensitive category of financial market participants,which may intentionally or unintentionally be exposed to manipulation.If the beneficiaries do not have relevant and accurate information,the relationship between the provider and the service user is characterised with information asymmetry,and because of these reasons adequate regulatory instruments are necessary in order to protect the interests of financial services users.In the financial services sector,the development of a long-term successful relationship between providers and users of services should be based on mutual trust and users’ feel that they have received a value for the price paid.The aim of the paper is to highlight the modern ways of improving the protection of the interests of consumers of financial services provided by insurance companies and investment funds.The paper analyses the reasons for protection of consumers of financial services,specifics of insurance as financial service,the importance of trust as a key factor for the attraction of service users and the basic principles of operation of investment funds in the developed and the domestic financial market are compared.The particular attention is given to insurance companies and investment funds in terms of regulatory and other mechanisms of governments that are related to the protection of insureds and investment funds investors.
