Determinanty modelu pośrednictwa ubezpieczeniowego w Polsce

The study has been conducted to identify the determinants of the insurance mediation model in Poland. For this purpose, the place of insurance intermediation as an element of financial intermediation was defined first, including the phenomenon of information asymmetry and mis-selling. Next, an analysis of complaints regarding unfair sales addressed to the Financial Ombudsman was carried out, and the efficiency of insurance agents in Poland was analyzed based on a questionnaire survey. In addition, the determinants of insurance markets in the European Union were examined using panel data models, and their effectiveness was assessed using the DEA method. Finally, the determinants of the insurance mediation model in Poland were examined using the linear regression method. It has been proved that it is possible to define the determinants of the insurance mediation model in light of economic criteria.