Transferência coletiva de riscos em arranjos produtivos locais: viabilidade e requisitos
Pressure for competitiveness, as much in the domestic market as in the external one are forcing the companies to act in a cooperated form, searching for profits of collective or internal efficiency. From 2004 on the Brazilian companies have been stimulated to form a strategically option on Local Productive Arrangements (APLs), which have been started to be one of the main instruments on the politics of industrial and regional development in the country. The APLs have differentiated financial services needs and important institutions are already promoting specific solutions. Also in 2004 the Federação Nacional das Empresas de Seguros Privados e de Capitalização (FENASEG) launched its Second Sectorial Plan, in which the necessary actions for the growth of the sector in the next years were elected, with more emphasis on segmentation and specialization. In such a case, if the insurance companies will perceive the APLs as a great chance as a business-oriented, they will also be able to develop specific solutions. In this context, it was evaluated the technical viability, the degree of interest of the insurance companies and its requirements to offer customized solutions destined to the transference of patrimonial risks for the companies who act in APLs. The results have shown that viability does exist and that the requirements can be attended. However, it was also verified that the majority of the insurance companies were unaware of the subject and that at the moment they still show low interest in developing such solutions. It was also observed that exceptions exist, and some insurance companies have already started the development of solutions or new products, followed by the insertion of the subject in its strategic business plan.
Advisor:Valmir Emil Hoffmann; Maria Jose Carvalho de Souza Domingues; Pedro Paulo Hugo Wilhelm
School:Universidade Regional de Blumenau
Source Type:Master's Thesis
Keywords:Clusters Local productive arrangements Insurances Risks
Date of Publication:09/23/2005