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Theoretical and Applied Economics
No. 2 / 2022 (631), Summer

Reinsurance – an efficient solution of catastrophe risk transfer for the housing stock of Romania

Nicoleta RADU
University of Economic Studies, Bucharest, Romania

Abstract. As economic losses caused by natural disasters substantially increase in volume, impacting national economies, post-disaster reconstruction financing becomes crucial, especially for countries with fragile economies. The growing gap between economic and insured losses calls for a pragmatic approach related to financial protection solutions. Romania is one of the few countries that adopted a solution to cut down this deficit of protection in the case of the residential system. This system considers reinsurance as a sustainable risk transfer method, meant to quickly and efficiently attract the funds required to rebuild the housing stock in the event of a disaster.

Keywords: reinsurance, risk transfer, mandatory insurance, natural catastrophe.

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The Economicity. The Epistemic Landscape, Marin Dinu, 2016


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