Territorial Distribution of Insurances under the Influence of Nongovernmental Credit

Usually, the influence factors that determine the territorial structure of insurances are included in indicators’ regional profile, indicators that define the demand and supply of such products, such as gross domestic product, the nominal average wage and the population – on one hand and own or associate distribution network (brokerage firms, banc assurance systems), on the other hand.Starting with the fact that many products of the insurance industry are purchased in the same “package” with credit institutions products, the present study aims to add up the usual benchmarks of insurance products territorial distribution analysis with elements that concern nongovernmental loan's regional structure. In this aspect we take in consideration a series of correspondences common in the practice of selling financial products, such as those between consumer credit and life insurance, between mortgage or real estate loans and property and goods insurances, between loans for car purchase and MTPL and CASCO insurances and, last but not least, between business loans and credit and surety ship insurances.