Obowiązkowe ubezpieczenie odpowiedzialności cywilnej rzeczoznawców majątkowych w Polsce - Biblioteka UMCS

A N N A L E S

8 1 , 9 ( 5 6 , 7$7 , 6   0 $ 5 , $ (   & 8 5 , (  6 . à 2 ' 2 : 6 . $ /8%/,1±32/21,$

92/;/9,,, 6(&7,2+ 

8QLZHUV\WHWàyG]NL.DWHGUD8EH]SLHF]HĔ

67$1,6à$::,(7(6.$

2ERZLą]NRZHXEH]SLHF]HQLHRGSRZLHG]LDOQRĞFL

F\ZLOQHMU]HF]R]QDZFyZ…PDMąWNRZ\FKZ3ROVFH

Compulsory civil liability insurance of values

6áRZDNOXF]RZHU]HF]R]QDZF\ZDUWRĞüQLHUXFKRPRĞFLXEH]SLHF]HQLHRGSRZLHG]LDOQRĞFLF\ZLOQHM .H\ZRUGVDSSUDLVHUVSURSHUW\YDOXHVFLYLOOLDELOLW\LQVXUDQFH

:VWĊS

: ZDUXQNDFK JRVSRGDUNL U\QNRZHM ZDĪQH PLHMVFH ]DMPXMą QLHUXFKRPRĞFL

NWyUH]GHILQLRZDQRZDUWSNWD8VWDZ\RJRVSRGDUFHQLHUXFKRPRĞFLDPL

3RZV]HFKQLHZLDGRPRĪHZJRVSRGDUFHZ\VWĊSXMHREUyWNXSQR±VSU]HGDĪQLHUX- FKRPRĞFLDPLRUD]SU]HNV]WDáFHQLDSUDZQHNWyUHZ\PDJDMąZ\FHQ\ZHGáXJRNUH- ĞORQ\FKVWDQGDUGyZ1DPRF\ZVSRPQLDQHJRDNWXSUDZQHJRSRZRáDQLVąGRWHJR

U]HF]R]QDZF\ PDMąWNRZL : DUW  S  XVWDZRGDZFD SU]HZLG]LDá RERZLą]NRZH

XEH]SLHF]HQLHRGSRZLHG]LDOQRĞFLF\ZLOQHMU]HF]R]QDZFyZPDMąWNRZ\FK

&HOHPSUDF\MHVWRFHQDIXQNFMRQRZDQLDRERZLą]NRZHJRXEH]SLHF]HQLDRGSRZLH- G]LDOQRĞFLF\ZLOQHMU]HF]R]QDZF\PDMąWNRZHJRZĞZLHWOHSU]HSLVyZRERZLą]XMąF\FK

Z3ROVFH

3U]\SLVDQLXQLQLHMV]HJRDUW\NXáXNRQLHF]QHE\áRVLĊJQLĊFLHGROLWHUDWXU\IDFKR- ZHM3U]HDQDOL]RZDQRUyZQLHĪ8VWDZĊRJRVSRGDUFHQLHUXFKRPRĞFLDPL]VLHUSQLD

U>WHNVWMHGQROLW\]OLVWRSDGDU']8SR]]SyĨQ]P

$XWRUDUW\NXáX]UDFMLWHJRĪH]DMPXMHVLĊXEH]SLHF]HQLDPLPDMąWNRZ\PLSUDJQLH

]ZUyFLüXZDJĊQDWHQPDáRUR]SR]QDQ\REV]DUU\]\NDXEH]SLHF]HQLRZHJR

 67$1,6à$::,(7(6.$

3RMĊFLHL]DNUHVG]LDáDOQRĞFLU]HF]R]QDZF\PDMąWNRZHJR

=JRGQLH ] DUW  U]HF]R]QDZVWZR PDMąWNRZH VWDQRZL G]LDáDOQRĞü ]DZRGR- Zą Z\NRQ\ZDQą SU]H] U]HF]R]QDZFyZ NWyU]\ Vą RVREDPL IL]\F]Q\PL PDMąF\PL

XSUDZQLHQLD]DZRGRZHZ]DNUHVLHV]DFRZDQLDQLHUXFKRPRĞFL5]HF]R]QDZFDPDMąW- NRZ\MHVW]RERZLą]DQ\GRZ\NRQ\ZDQLDF]\QQRĞFLSRGDQ\FKZDUWXVWLD

]JRGQLH]]DVDGDPLZ\QLNDMąF\PL]SU]HSLVyZSUDZDLVWDQGDUGDPL]DZRGRZ\PL

]HV]F]HJyOQąVWDUDQQRĞFLąZáDĞFLZąGOD]DZRGRZHJRFKDUDNWHUXW\FKF]\QQRĞFL

]]DFKRZDQLHP]DVDG\EH]VWURQQRĞFL

3RGVWDZRZHRSUDFRZDQLHU]HF]R]QDZFyZPDMąWNRZ\FKVWDQRZLRSHUDWV]DFXQNR- Z\NWyU\SRZLQLHQE\üVSRU]ąG]RQ\U]HWHOQLHL]JRGQLH]RERZLą]XMąF\PLSU]HSLVDPL

5]HF]R]QDZFDPRĪHVSRU]ąG]DüRSUDFRZDQLDLHNVSHUW\]\QLHVWDQRZLąFHRSHUDWX

V]DFXQNRZHJRDUWXVWDGRW\F]ąFHPLQ

• U\QNXQLHUXFKRPRĞFLRUD]GRUDG]WZDZ]DNUHVLHWHJRU\QNX

• HIHNW\ZQRĞFLLQZHVWRZDQLDZQLHUXFKRPRĞFLRUD]LFKUR]ZyM

• VNXWNyZILQDQVRZ\FKXFKZDODQLDOXE]PLDQ\SODQyZPLHMVFRZ\FK

• RNUHĞOHQLDZDUWRĞFLQLHUXFKRPRĞFLQDSRWU]HE\LQG\ZLGXDOQHJRLQZHVWRUD

:DUW8VWDZ\RJRVSRGDUFHQLHUXFKRPRĞFLDPLSRGDQRGHILQLFMĊZDUWRĞFL

QLHUXFKRPRĞFLSU]\F]\PPDRQD]DVWRVRZDQLHJG\QLHQDUXV]DGHILQLFML]DZDU- W\FKZLQQ\FKDNWDFKSUDZQ\FKNWyUąU]HF]R]QDZF\SRZLQQLVWRVRZDüZSUDNW\FH

1DWRPLDVW DUW\NXá  XSRZDĪQLD LFK GR Z\ERUX ZáDĞFLZHJR SRGHMĞFLD L WHFKQLNL

V]DFRZDQLD

3UDNW\NDZ\ND]DáDĪHU]HF]R]QDZF\PDMąWNRZLVąSRWU]HEQLGRVSRU]ąG]HQLD

Z\FHQ\ZV]F]HJyOQRĞFL

• GODFHOyZZVSyáSUDF\]EDQNRZFDPL>$GDPLF]NDV±@Z]DNUHVLH

QS NUHG\WyZ KLSRWHF]Q\FK NUHG\WX RGZUyFRQHJR WZRU]HQLD ED]\ GDQ\FK

NRQVWUXNFMLRIHUW

• ZUD]LHSU]\JRWRZDQLDUHPRQWyZLPRGHUQL]DFML>5XQNLHZLF]V@

• ZSU]\SDGNXRSáDWDGLDFHQFNLFK]ZLą]DQ\FK]H]PLDQDPLZDUWRĞFLQLHUXFKR- PRĞFL]XG]LDáHP6NDUEX3DĔVWZDOXEMHGQRVWHNVDPRU]ąGXWHU\WRULDOQHJR

• SU]\ZVSyáSUDF\Z]DNUHVLHZ\FHQ\QLHUXFKRPRĞFLGODFHOyZ]DPyZLHĔSXE- OLF]Q\FK>3DZáRZVNDV±@

• ZFHOXXVWDOHQLDRGV]NRGRZDĔ]DJUXQW\SU]HMPRZDQHSRGEXGRZĊQSGUyJ

NRPXQLNDF\MQ\FK

• GOD Z\FHQ\ SU]HGVLĊELRUVWZ RUD] LFK VNáDGQLNyZ PDMąWNRZ\FK >3U]\VWXSD

V±@

• QDSRWU]HE\VSUDZR]GDĔILQDQVRZ\FK

• SU]\Z\FHQLHQLHUXFKRPRĞFL]DE\WNRZ\FK

:DĪQ\P HOHPHQWHP SUDF\ U]HF]R]QDZF\ PDMąWNRZHJR MHVW Z\FHQD QLHUXFKR- PRĞFLGODFHOyZHJ]HNXFMLNRPRUQLF]HM:LHOXZáDĞFLFLHOLQLHUXFKRPRĞFLVNDUĪ\VLĊ

QDQLVNąZ\FHQĊGRNRQDQąSU]H]NRPRUQLNyZVąGRZ\FK>0RĞFLFNDV±

.RVPXOVNDV±@:V\WXDFMDFKNRQIOLNWRZ\FKSRWU]HEQDMHVWRSLQLDU]HF]R-



2%2:,Ą=.2:(8%(=3,(&=(1,(2'32:,('=,$/12ĝ&,&<:,/1(-5=(&=2=1$:&Ï:«

]QDZF\PDMąWNRZHJRQDNWyU\PFLąĪ\RGSRZLHG]LDOQRĞü]DV]NRGĊVSRZRGRZDQą

QLHSUDZLGáRZąZ\FHQąQLHUXFKRPRĞFL

:UD]]QRZHOL]DFMąSUDZDXSDGáRĞFLRZHJRLQDSUDZF]HJRU]HF]R]QDZF\PDMąW- NRZL RWU]\PDOL QRZH ]DGDQLD QS XVWDODQLD Z\VRNRĞFL Z MDNLHM SUDZGRSRGREQLH

ZLHU]\FLHOX]\VND]DVSRNRMHQLHVZRLFKSRWU]HE

=SRZ\ĪV]HJRZ\QLNDĪH]DNUHVG]LDáDOQRĞFLU]HF]R]QDZFyZPDMąWNRZ\FKMHVW

REV]HUQ\LWUXGQ\ZUHDOL]DFML

6WDWXVVSRáHF]Q\U]HF]R]QDZF\PDMąWNRZHJR

=DZyG U]HF]R]QDZF\ PDMąWNRZHJR HZROXXMH RG ODW^ 5HJXOXMąFH JR SU]HSLV\

ZLHORNURWQLH ]PLHQLDQR 6WDWXV VSRáHF]Q\ U]HF]R]QDZF\ PDMąWNRZHJR MHVW ZDĪQ\

GODFHOyZXEH]SLHF]HQLDRGSRZLHG]LDOQRĞFLF\ZLOQHM

: ĞZLHWOH GDQ\FK ] SRF]ąWNX U 3ROVND )HGHUDFMD 6WRZDU]\V]HĔ 5]HF]R- ]QDZFyZ 0DMąWNRZ\FK OLF]\áD  VWRZDU]\V]HQLD L SRQDG  VIHGHURZDQ\FK

U]HF]R]QDZFyZPDMąWNRZ\FK5]HF]R]QDZVWZRPDMąWNRZHWRSRQDGVWDQQD

JUXGQLDUZ\GDQ\FKXSUDZQLHĔLW\VLąFHZ\NRQDQ\FKURF]QLHV]DFXQNyZ

QLHUXFKRPRĞFL^

.DĪG\U]HF]R]QDZFDPDMąWNRZ\PXVLPLHüOLFHQFMĊLXSUDZQLHQLDZG]LHG]LQLH

JRVSRGDURZDQLDQLHUXFKRPRĞFLDPL>5R]SRU]ąG]HQLHZVSUDZLHQDGDZDQLDXSUDZ- QLHĔUSR]@

:5R]SRU]ąG]HQLX0LQLVWUD,QIUDVWUXNWXU\]OXWHJRURNUHĞORQRPLQ

VSRVyE L ZDUXQNL RGE\ZDQLD SUDNW\N ]DZRGRZ\FK Z ]DNUHVLH V]DFRZDQLD

QLHUXFKRPRĞFL

VSRVyELWU\ESU]HSURZDG]DQLDSRVWĊSRZDQLDNZDOLILNDF\MQHJRRUD]MHJRNRV]W\

3) Z]RU\ĞZLDGHFWZXSUDZQLHĔ]DZRGRZ\FKZ]DNUHVLHV]DFRZDQLDQLHUXFKRPRĞFL

'RWHJRUR]SRU]ąG]HQLDGRáąF]RQR]DáąF]QLNQUZNWyU\PSU]\]QDQRSXQNW\

]DSRV]F]HJyOQHURG]DMHG]LDáDOQRĞFLX]QDQHM]DGRVNRQDOHQLHNZDOLILNDFML

2GVW\F]QLDURERZLą]XMąQRZHSU]HSLV\L]DVDG\X]\VNLZDQLDXSUDZQLHĔ

GODU]HF]R]QDZFyZPDMąWNRZ\FK>.UXSD'ąEURZVND@3RZVWDá\GZDDNW\SUDZQH

• SLHUZV]\UHJXOXMHQDGDZDQLHXSUDZQLHĔ]DZRGRZ\FKZ]DNUHVLHV]DFRZDQLD

QLHUXFKRPRĞFL

• GUXJLRNUHĞODRSáDW\]DSRVWĊSRZDQLHNZDOLILNDF\MQHLZ\QDJURG]HQLDF]áRQNyZ

3DĔVWZRZHM.RPLVML.ZDOLILNDF\MQHM>']8]PDUFDUSR]L@

5]HF]R]QDZF\PDMąWNRZLSRGOHJDMąRERZLą]NRZLFLąJáHJRGRVNRQDOHQLDVZRLFK

NZDOLILNDFML7HMNZHVWLLGRW\F]\5R]SRU]ąG]HQLH0LQLVWUD,QIUDVWUXNWXU\]NZLHWQLD

 2EV]HUQ\]DU\VUR]ZRMX]DZRGXU]HF]R]QDZF\PDMąWNRZHJR>-ĊGU]HMHZVNLV±@

 %DGDQLDDQNLHWRZHSU]HSURZDG]RQHZUZĞUyGU]HF]R]QDZFyZPDMąWNRZ\FKZ\ND]Dá\PLQĪH

VWDQRZLąPĊĪF]\ĨQLU]HF]R]QDZFyZQDOHĪ\GRMHGQHJROXEZLĊFHMVWRZDU]\V]HĔMHVWZZLHNX

±ODWRNDQNLHWRZDQ\FKSU]HSUDFRZDáRSRQDGODW>8UEDĔF]\NV@

 67$1,6à$::,(7(6.$

U>5R]SRU]ąG]HQLHZVSUDZLHVWDáHJRGRVNRQDOHQLD]USR]@:U

XND]DáRVLĊNROHMQHUR]SRU]ąG]HQLHPLQLVWUDLQIUDVWUXNWXU\ZNWyU\PRNUHĞORQRPLQ

VSRVRE\GRVNRQDOHQLDNZDOLILNDFML]DZRGRZ\FK

VSRVyE GRNXPHQWRZDQLD VSHáQLHQLD RERZLą]NX GRVNRQDOHQLD L NZDOLILNDFML

]DZRGRZ\FK

3) NU\WHULDRFHQ\VSHáQLHQLDRERZLą]NXGRVNRQDOHQLDNZDOLILNDFML]DZRGRZ\FK

IRUP\ L ]DVDG\ ]JáDV]DQLD SU]H] RUJDQL]DWRUyZ SURJUDPyZ GRVNRQDOHQLD

NZDOLILNDFML

5]HF]R]QDZF\PDMąWNRZLSRGOHJDMąSRVWĊSRZDQLX] W\WXáXRGSRZLHG]LDOQRĞFL

]DZRGRZHM>5R]SRU]ąG]HQLHZVSUDZLHSRVWĊSRZDQLD]USR]@8UHJX- lowano nim:

RUJDQL]DFMĊ.RPLVML2GSRZLHG]LDOQRĞFL=DZRGRZHM

VSRVyELWU\ESU]HSURZDG]DQLDSRVWĊSRZDQLD

3) UHJXODPLQG]LDáDQLD.RPLVML2GSRZLHG]LDOQRĞFL=DZRGRZHM

5yZQROHJOHĞURGRZLVNRU]HF]R]QDZFyZSRGHMPXMHOLF]QHG]LDáDQLDZFHOXSR- SUDZ\ZL]HUXQNX]DZRGX

$E\ ]DEH]SLHF]\ü LQWHUHV ]DZRGRZ\ U]HF]R]QDZFyZ PDMąWNRZ\FK SRZRáDQR

VDPRU]ąG]DZRGRZ\NWyUHJRFHOHPMHVWPLQ

• RFKURQDLQWHUHVyZ]DZRGRZ\FK

• UR]VWU]\JDQLHVSRUyZSRPLĊG]\F]áRQNDPLVDPRU]ąGX]DZRGRZHJR

3RQDGWRXWZRU]RQR3ROVNLH6WRZDU]\V]HQLH5]HF]R]QDZFyZ:\FHQ\1LHUXFKR- PRĞFL 365:1 1D V]F]HEOX UHJLRQDOQ\P IXQNFMRQXMH NLONDQDĞFLH UHJLRQDOQ\FK

VWRZDU]\V]HĔU]HF]R]QDZFyZPDMąWNRZ\FK

5]HF]R]QDZVWZRQLHUXFKRPRĞFL]RVWDá]DOLF]RQHGR]DZRGyZ]DXIDQLDSXEOLF]QHJR

FKURQLąF\FKLQWHUHVSXEOLF]Q\2ERZLą]NLHPZ\NRQXMąF\FKJRRVyEMHVWV]DFRZDQLH

ZDUWRĞFLQLHUXFKRPRĞFL]JRGQLH]SU]\MĊW\PL]DVDGDPLSU]HSLVDPLSUDZDLRELHN- W\ZL]PHP]DFKRZDQLDWDMHPQLF\>3DáJDQV±@

3U]\SRPQLMP\Ä=DZRGHP]DXIDQLDSXEOLF]QHJRMHVW]DZyGZ\NRQ\ZDQ\SU]H]

RVRE\ NWyU\P SRZLHU]D VLĊ ]DGDQLD R V]F]HJyOQ\P FKDUDNWHU]H OXE V]F]HJyOQHM

GRQLRVáRĞFL]SXQNWXZLG]HQLD]DGDĔSXEOLF]Q\FKWURVNLRUHDOL]DFMĊLQWHUHVXSXE- OLF]QHJROXEJZDUDQFMLZROQRĞFLLSUDZF]áRZLHNDDZ\NRQ\ZDQLH]DZRGXZLąĪHVLĊ

]SRZLHU]DQLHPLQIRUPDFMLGRW\F]ąF\FKVIHU\Ī\FLDSU\ZDWQHJROXEGyEURVRELVW\FK

RVyEEĊGąF\FKLFKNOLHQWDPL´>7HOLJDV@

:DUWRWDNĪHZVSRPQLHüĪH5DGD.UDMRZD3)650ZUSRGMĊáDXFKZDáĊ

RSU]\MĊFLXUHJXODPLQX.RPLVML8]QDQLD=DZRGRZHJR>=DVDG\RJyOQH«V@

:UHJXODPLQLHZVND]DQRQD]QDF]HQLH

• Z\VRNLHJRSR]LRPXSURIHVMRQDOL]PX

• QLHQDJDQQ\FKSRVWDZHW\F]Q\FK

5]HF]R]QDZFyZPDMąWNRZ\FKRERZLą]XMHWDNĪHNRGHNVHW\NL]DZRGRZHM>=DVDG\

VWRVRZDQLD«@³

3 3UREOHPDW\NDNRGHNVXHW\NLE\áDSRGMĊWDZUSDWU]>.RGHNVHW\NL]DZRGRZHM«V±@



2%2:,Ą=.2:(8%(=3,(&=(1,(2'32:,('=,$/12ĝ&,&<:,/1(-5=(&=2=1$:&Ï:«

3RZROLOHF]NRQVHNZHQWQLHNV]WDáWXMHVLĊZL]MDHXURSHMVNLHJR]DZRGXU]HF]R- ]QDZF\ PDMąWNRZHJR ]RERZLą]DQHJR GR Z\UyZQ\ZDQLD VZRMHM ZLHG]\ L PHWRG

G]LDáDQLDZVNDOLSRQDGQDURGRZHM>%DUDQRZVNLV±@

=JRGQLH]DUWXVWXVWDZ\RUJDQL]DFMH]DZRGRZHU]HF]R]QDZFyZPDMąW- NRZ\FKPDMąSUDZRRFHQLDüSUDZLGáRZRĞüRSHUDWXV]DFXQNRZHJR^

=DWHPZV]\VWNLHZ\PLHQLRQHSRZ\ĪHMLQVW\WXFMHVąZDĪQ\PHOHPHQWHPNRQWUROL

SU]\JRWRZDQLD]DZRGRZHJRU]HF]R]QDZFyZ]SXQNWXZLG]HQLD]DNáDGyZXEH]SLHF]HĔ

.RQVWUXNFMDXEH]SLHF]HQLDRGSRZLHG]LDOQRĞFLF\ZLOQHM

U]HF]R]QDZFyZPDMąWNRZ\FK

=JRGQLH ] † UR]SRU]ąG]HQLD PLQLVWUD ILQDQVyZ XEH]SLHF]HQLHP 2& REMĊWD

MHVWÄRGSRZLHG]LDOQRĞüF\ZLOQDU]HF]R]QDZF\PDMąWNRZHJR]DV]NRG\Z\U]ąG]RQH

ZQDVWĊSVWZLHG]LDáDQLDOXE]DQLHFKDQLDXEH]SLHF]RQHJRZ]ZLą]NX]Z\NRQ\ZDQLHP

F]\QQRĞFL RNWyU\FKPRZDZDUWXVWLD 8VWDZ\]GQLDVLHUSQLDU

RJRVSRGDUFHQLHUXFKRPRĞFLDPL´:W\PPLHMVFXQDOHĪ\]ZUyFLüXZDJĊĪHXVWDZR- GDZFDQLH]GHILQLRZDáMHGQR]QDF]QLHV]NRG\URV]F]HQLDMDNąPRJąVSRZRGRZDü

U]HF]R]QDZF\PDMąWNRZL

Zakres RGSRZLHG]LDOQRĞFLU]HF]R]QDZFyZPDMąWNRZ\FKRNUHĞORQRZUR]SRU]ąG]H- QLXEDUG]RQLHSUHF\]\MQLHFRXPRĪOLZLDUyĪQHLQWHUSUHWDFMH'RW\F]\WRVIRUPXáRZDQLD

ÄV]NRG\Z\U]ąG]RQHZQDVWĊSVWZLHG]LDáDQLDOXE]DQLHFKDQLDXEH]SLHF]RQHJR´$E\

FKRüF]ĊĞFLRZRMHZ\MDĞQLüUR]ZDĪP\GZDSU]\SDGNL

:SLHUZV]\P]QLFKPLDáRPLHMVFHQLHQDOHĪ\WHZ\NRQDQLH]RERZLą]DQLDSU]H]

U]HF]R]QDZFĊPDMąWNRZHJR-HĞOLRSHUDWV]DFXQNRZ\VSRU]ąG]RQRQLH]JRGQLH]SUD- ZHPDVWURQDWUDQVDNFMLNXSQD±VSU]HGDĪ\GODNWyUHMJRRSUDFRZDQRSRQLRVáDVWUDWĊ V]NRGĊSRZVWDMHURV]F]HQLHSU]HFLZNRU]HF]R]QDZF\5]HF]R]QDZFDEĊG]LH]RERZLą- ]DQ\GR]DSáDFHQLDNOLHQWRZLRGV]NRGRZDQLDSU]\F]\PEĊG]LHPXVLDáZ\ND]DüĪH

QLHQDOHĪ\WHZ\NRQDQLHZ\QLNáR]RNROLF]QRĞFLQLH]DOHĪQ\FKRGQLHJRGRWHJRPRJą

SRZVWDüV]NRG\QDVWĊSF]HQSXWUDFRQHNRU]\ĞFL-HĞOLZ\VWąSLZ\ĪHMRSLV\ZDQ\

SU]\SDGHNXEH]SLHF]\FLHOSRZLQLHQSRNU\üV]NRGĊ

:SU]\SDGNXUDĪąFHJRQLHGEDOVWZD]HVWURQ\U]HF]R]QDZF\PDMąWNRZHJRZ\FHQ\

QLHUXFKRPRĞFLPRJąWUDILüGRNRPLVMLDUELWUDĪRZHM3)60NWyUDUR]SRF]QLHSRVWĊSR- ZDQLHZ\MDĞQLDMąFHGRW\F]ąFHĨOHZ\NRQDQ\FKRSHUDWyZV]DFXQNRZ\FK

:SUDNW\FHIXQNFMRQRZDQLDXEH]SLHF]HQLDRGSRZLHG]LDOQRĞFLF\ZLOQHMSRZVWDMH

ZLHOHV]NyGQDVNXWHNEáĊGyZ2SUDFRZDQRNODV\ILNDFMHEáĊGyZMDNLHPRJąSRSHáQLü

U]HF]R]QDZF\PDMąWNRZL>/HFKQRZLF]@

: RSHUDFLH V]DFXQNRZ\P Z\UyĪQLD VLĊ EáąG SROHJDMąF\ QD RNUHĞOHQLX ]áHJR

URG]DMXZDUWRĞFLMHVWWREáąGG\VNZDOLILNXMąF\QSĨOHRNUHĞORQ\SU]HGPLRWZ\FHQ\

QLHSUDZLGáRZ\URG]DMRNUHĞORQHMZDUWRĞFL:W\PSU]\SDGNXRSHUDWV]DFXQNRZ\QLH

 :LĊFHMQDWHQWHPDW>-ĊGUXV]XNV±@

 67$1,6à$::,(7(6.$

PRĪHVWDQRZLüSRGVWDZ\GRSRGMĊFLDGHF\]MLDGPLQLVWUDF\MQHMOXEQLHSRZLQLHQE\ü

Z\NRU]\VW\ZDQ\ZREURFLHF\ZLOQRSUDZQ\P

%áąG LVWRWQ\ SRZRGXMH NRQLHF]QRĞü ZQLHVLHQLD X]XSHáQLHQLD L SRSUDZHN MDNR

ZDUXQNXNRQLHF]QHJRGRWHJRDE\RSHUDWPyJáVWDQRZLüSRGVWDZĊSRGMĊFLDGHF\]ML

DGPLQLVWUDF\MQHMOXE]RVWDüXĪ\W\ZREURFLHF\ZLOQRSUDZQ\PQSEUDNGDW\VSRU]ą- G]HQLDRSHUDWXRJOĊG]LQQLHUXFKRPRĞFLĨUyGHáLQIRUPDFMLFHOZ\FHQ\QLHRNUHĞORQ\

OXESRGDQ\QLHSUHF\]\MQLHLWS

0RJąWHĪZ\VWąSLüXFK\ELHQLDQLHPDMąFHZSá\ZXQDRNUHĞORQąZDUWRĞüLQLH- SU]HVąG]DMąFH R RGU]XFHQLX RSHUDWX ± QS EUDN SRGSLVX SLHF]ąWHN ]DáąF]QLNyZ

DGUHVXDXWRUDLWS

3RZ\ĪV]DNODV\ILNDFMDEáĊGyZ]RVWDáDZáąF]RQDGRNU\WHULyZRFHQ\]DZDUWRĞFL

RSHUDWRUyZV]DFXQNRZ\FKDWDNĪHGRZVNDĨQLNyZLFKRFHQ\SRGZ]JOĊGHPPHWRGR- ORJLF]Q\PLPHU\WRU\F]Q\P6SRU]ąG]RQRZ\ND]PRĪOLZ\FKEáĊGyZSU]\PHWRGDFK

Z\FHQ\SRUyZQDZF]HMSRGHMĞFLXGRFKRGRZ\PNRV]WRZ\PF]\PLHV]DQ\P

=NROHL]JRGQLH]†XVWXEH]SLHF]HQLHQLHREHMPXMHV]NyG

SROHJDMąF\FKQDXV]NRG]HQLX]QLV]F]HQLXOXEXWUDFLHU]HF]\VSRZRGRZDQ\FK

SU]H]XEH]SLHF]RQHJRPDáĪRQNRZLLLQQ\PRVRERPZ\V]F]HJyOQLRQ\PZW\P

SXQNFLH

Z\U]ąG]RQ\FKSU]H]XEH]SLHF]RQHJRSRSR]EDZLHQLXJRXSUDZQLHĔ]DZRGR- Z\FKDWDNĪHZRNUHVLH]DZLHV]HQLDZ\NRQ\ZDQLDXSUDZQLHĔ]DZRGRZ\FK

FK\EDĪHV]NRGDMHVWQDVWĊSVWZHPZ\NRQDQLDXSUDZQLHĔ]DZRGRZ\FKSU]HG

LFKSR]EDZLHQLHPOXE]DZLHV]HQLHP

3) SROHJDMąF\FKQD]DSáDFLHNDUXPRZQ\FK

SRZVWDá\FKZVNXWHNG]LDáDĔZRMHQQ\FK]DPLHV]HNRUD]DNWyZWHUURUX

1DMZLĊFHMV\WXDFMLNRQIOLNWRZ\FKPRĪHZ\VWĊSRZDüZUHODFMLZDUWRĞFLZ\FHQ\

QLHUXFKRPRĞFLZDUWRĞFLU\QNRZHMRUD]LQG\ZLGXDOQHMRFHQ\NXSXMąFHJROXEVSU]H- GDMąFHJRQLHUXFKRPRĞü:GDOV]\PFLąJXWUZDG\VNXVMDQDWHPDWSRMĊFLDZDUWRĞFL

U\QNRZHM QLHUXFKRPRĞFL 6]F]HJyá\ ZLHOX WUDQVDNFML FHQ\ NXSQD±VSU]HGDĪ\ QD

U\QNXQLHUXFKRPRĞFLQLHVąXMDZQLDQH6WąGZGDOV]\PFLąJXRNUHĞOHQLHZDUWRĞFL

U\QNRZHMVSUDZLDWUXGQRĞFL

7DN ZLĊF MHVW QDWXUDOQH ĪH Z REURFLH QLHUXFKRPRĞFLDPL PRJą VLĊ SRMDZLDü

URV]F]HQLD ZREHF U]HF]R]QDZFyZ PDMąWNRZ\FK 5yZQLHĪ L Z W\P DVSHNFLH GDQH

VWDW\VW\F]QHVąWUXGQRGRVWĊSQH

6XPDJZDUDQF\MQD

: 5R]SRU]ąG]HQLX 0LQLVWUD )LQDQVyZ ]  SDĨG]LHUQLND U RNUHĞORQR

PLQLPDOQąVXPĊJZDUDQF\MQąÄZZ\VRNRĞFLW\VHXUR]DMHGQR]GDU]HQLHRUD]

ZV]\VWNLH]GDU]HQLDNWyU\FKVNXWNLVąREMĊWHXPRZąXEH]SLHF]HQLD2&´8VWDZR- GDZFDQLHSRGDMHZHGáXJMDNLFKNU\WHULyZ]RVWDáDRQDXVWDORQD



2%2:,Ą=.2:(8%(=3,(&=(1,(2'32:,('=,$/12ĝ&,&<:,/1(-5=(&=2=1$:&Ï:«

:LHP\]SUDNW\NLXEH]SLHF]HQLRZHMĪHVXPDJZDUDQF\MQDR]QDF]DJyUQąJUDQLFĊ

RGSRZLHG]LDOQRĞFLLMHVWZLHONRĞFLąZ\F]HUS\ZDQą:VHQVLHIL]\F]Q\PR]QDF]DWR

Z\SáDFHQLHRGV]NRGRZDQLDOXEVHULLURV]F]HĔ]GDQHMXPRZ\XEH]SLHF]HQLDGRMHM

Z\VRNRĞFL8VWDZRGDZFDXVWDOLáMHMGROQąJUDQLFĊJyUQD]DĞQLH]RVWDáDRNUHĞORQD

LRMHMZ\VRNRĞFLPRĪHGHF\GRZDüXEH]SLHF]DMąF\

8VWDORQDZUR]SRU]ąG]HQLXPLQLPDOQDVXPDJZDUDQF\MQDZLQQDSRNU\üSRMH- G\QF]H]GDU]HQLDURV]F]HQLDMDNUyZQLHĪZV]\VWNLH]GDU]HQLDURV]F]HQLDSRZVWDáH

ZRNUHVLHRFKURQ\XEH]SLHF]HQLRZHMQDMF]ĊĞFLHMZFLąJXMHGQHJRURNX:SUDNW\FH

PRĪHVLĊ]GDU]\üĪHU]HF]R]QDZFDPDMąWNRZ\VSRZRGXMHZLĊFHMV]NyG1LHZ\NOX- F]RQHĪHURV]F]HQLDPRJąGRW\F]\üW]ZV]NyGSRĞUHGQLFKQSSRNU\FLDXWUDFRQ\FK

]\VNyZF]\XWUDFRQHJRRSURFHQWRZDQLDNWyUHPRJąSU]\F]\QLüVLĊGRSU]HNURF]HQLD

XVWDORQHMVXP\JZDUDQF\MQHM:WDNLPSU]\SDGNXF]ĊĞüURV]F]HĔSRQLRVąU]HF]R- ]QDZF\PDMąWNRZL

:ĞZLHWOHSRZ\ĪV]HJRPRJąRQLGąĪ\üGRVNRU\JRZDQLDZ\VRNRĞFLPLQLPDOQHM

VXP\JZDUDQF\MQHMZQRZR]DZLHUDQ\FKXPRZDFKXEH]SLHF]HQLD

:DUWR]ZUyFLüXZDJĊĪHZ†XVWXVWDZRGDZFDPyZLRVSHáQLHQLXURV]F]HĔ

ÄEH] PRĪOLZRĞFL XPRZQHJR RJUDQLF]HQLD RGSRZLHG]LDOQRĞFL XEH]SLHF]\FLHOD´

2]QDF]D WR ĪH ]DNáDG XEH]SLHF]HĔ QLH PRĪH Z RJyOQ\FK ZDUXQNDFK XEH]SLHF]HĔ

VWRVRZDü RJUDQLF]HĔ Z\VRNRĞFL Z\SáDFRQHM V]NRG\ QS ]D SRPRFą IUDQV]\] F]\

XG]LDáyZZáDVQ\FK

$NWXDULDOQ\SXQNWZLG]HQLD

1DSRWU]HE\RPDZLDQHJRXEH]SLHF]HQLDNRQLHF]QHMHVWREOLF]HQLHSU]H]G]LDá\

DNWXDULDOQH VWRS\ VNáDGNL 3RSU]HGQLH UR]ZDĪDQLD ZVND]XMą QD ]áRĪRQRĞü SUREOH- PDW\NL :\QLND ] QLFK UyZQLHĪ ĪH QD VWRSĊ VNáDGNL ZSá\ZD EDUG]R ZLHOH XZD- UXQNRZDĔ ']LDá DNWXDULDOQ\ ] MHGQHM VWURQ\ SRWU]HEXMH ZLDU\JRGQ\FK LQIRUPDFML

GDQ\FKVWDW\VW\F]Q\FK]GRW\FKF]DVRZHMG]LDáDOQRĞFLU]HF]R]QDZFyZPDMąWNRZ\FK

]DĞ]GUXJLHMNV]WDáWRZDQLHVLĊXZDUXQNRZDĔIXQNFMRQRZDQLDWHJR]DZRGXQDOHĪ\

RFHQLDü]SHUVSHNW\Z\SU]\V]áRĞFL5yZQLHZDĪQHMHVWMDVQHRNUHĞOHQLH]DFRNLH- G\LZMDNLHMZ\VRNRĞFL]DNáDGXEH]SLHF]HĔEĊG]LHUHDOL]RZDáVZRMH]RERZLą]DQLD

=DZV]HPXVLE\üSU]HVWU]HJDQD]DVDGD]JRGQLH]NWyUą]HEUDQHVNáDGNLSRZLQQ\

SRNU\üZ\SáDFRQHRGV]NRGRZDQLDLNRV]W\G]LDáDOQRĞFL]DNáDGXXEH]SLHF]HĔ

1DSRWU]HE\NDONXODFMLVNáDGNLQDOHĪ\RNUHĞOLüOLF]EĊVSRU]ąG]RQ\FKRSHUDWyZ

V]DFXQNRZ\FK OLF]EĊ WUDQVDNFML U\QNRZ\FK ZVSDUW\FK RSHUDWHP V]DFXQNRZ\P

OLF]EĊURV]F]HĔNOLHQWyZZREHFU]HF]R]QDZFyZNWyU]\VSRU]ąG]LOLEáĊGQHRSHUDW\

V]NRGRZH3RPLPRZLHOXODWIXQNFMRQRZDQLDWHJRXEH]SLHF]HQLDGDQHVWDW\VW\F]QH

ZW\P]DNUHVLHZGDOV]\PFLąJXVąWUXGQRGRVWĊSQH

:FHOXFKRüE\RULHQWDF\MQHJRREOLF]HQLDVWRS\VNáDGNLZHĨPLHP\SRGXZDJĊ

OLF]EĊVSUDZSU]HFLZNRU]HF]R]QDZFRPPDMąWNRZ\P6]F]HJyáRZHGDQHSU]HGVWDZLD

WDEHOD

 67$1,6à$::,(7(6.$

7DEHOD=HVWDZLHQLHZV]F]ĊW\FKL]DNRĔF]RQ\FKVSUDZ]W\WXáXRGSRZLHG]LDOQRĞFL]DZRGRZHM

U]HF]R]QDZFyZPDMąWNRZ\FKZ3ROVFHZODWDFK±

3RV]F]HJyOQHODWD 3RVWĊSRZDQLDZV]F]ĊWH]W\WXáX RGSRZLHG]LDOQRĞFL]DZRGRZHM 'HF\]MHZ\GDQHZVSUDZDFK]W\WXáXRGSRZLHG]LDOQRĞFL

zawodowej

Razem ukaranych Razem wydanych decyzji

umorzenie upomnienie nagana

zawieszenie licencji zawodowych

QDRNUHVPLHVLĊF\ QDRNUHVPLHVLĊF\ QDRNUHVPLHVLĊF\ QDRNUHVPLHVLĊF\ QDRNUHVURNX do czasu ponownego zdania egzaminu z wynikiem pozy- tywnym

  

    6     

     3 7   

        

     9    

    7 8    

  8 6 6    

   7   

     6 79 97

   7 6    

     3   63

         36 

     7     

           

Razem 838      9   6  

ħUyGáRVWURQDLQWHUQHWRZD'HSDUWDPHQWX*RVSRGDUNL1LHUXFKRPRĞFLDPL0LQLVWHUVWZD7UDQVSRUWX%XGRZQLFWZD

L*RVSRGDUNL0RUVNLHMGRVWĊS

=GDQ\FK]DZDUW\FKZWDEHOLZ\QLNDĪHOLF]EDVSUDZZREHFU]HF]R]QDZFyZ

PDMąWNRZ\FK]W\WXáXRGSRZLHG]LDOQRĞFL]DZRGRZHMQLHMHVWGXĪDĝUHGQLRZODWDFK

±E\áRWRRNGHF\]MLURF]QLH'ODFHOyZNDONXODFMLVWRS\VNáDGNLXEH]SLH- F]HQLRZHMSU]\MPLMP\ĞUHGQLąOLF]EĊVSUDZ]ODW±NWyUDZ\QRVLRN-HĞOL

QDNRQLHFUE\áRZ3ROVFHRNU]HF]R]QDZFyZPDMąWNRZ\FKWRF]ĊVWRĞü



2%2:,Ą=.2:(8%(=3,(&=(1,(2'32:,('=,$/12ĝ&,&<:,/1(-5=(&=2=1$:&Ï:«

V]NyGZ\QRVLRN 72 5300

§ ·

¨ ¸

© ¹'RW\F]\RQDRGSRZLHG]LDOQRĞFL]DZRGRZHM]DĞ

GODRGSRZLHG]LDOQRĞFLF\ZLOQHMPRĪHE\üLQQD=SRZ\ĪV]\FKZ\OLF]HĔZ\QLNDĪH

VWRSDVNáDGNLZ\QLHĞüSRZLQQDRN±

1DV]F]HEOX]DU]ąGX]DNáDGXXEH]SLHF]HĔREVHUZXMHVLĊHNRQRPLF]QHSDUDPHWU\

NDĪGHJRSURGXNWXXEH]SLHF]HQLRZHJR1DOHĪ\GRQLFK]DOLF]\üPLQVNáDGNĊSU]\- SLVDQą]DLQNDVRZDQąV]NRG\Z\SáDFRQHNRV]W\DNZL]\FMLUDFKXQHNWHFKQLF]Q\

RUD]UH]HUZ\WHFKQLF]QRXEH]SLHF]HQLRZH:V]\VWNLHSRZ\ĪV]HZVNDĨQLNLGHF\GXMą

RRSáDFDOQRĞFLXEH]SLHF]HQLDZW\P2&U]HF]R]QDZF\PDMąWNRZHJR-HĞOLXEH]SLHF]H- QLDVWDMąVLĊQLHRSáDFDOQHQS]HEUDQHVNáDGNLQLHSRNU\ZDMąZ\SáDFRQ\FKĞZLDGF]HĔ

LSRQLHVLRQ\FKNRV]WyZDNZL]\FMLNRQLHF]QHMHVWSRQRZQHSU]HOLF]HQLHVWRS\VNáDGNL

1DOHĪ\ PLHü WDNĪH QD XZDG]H IDNW ĪH QD V]F]HEOX ]DNáDGX XEH]SLHF]HĔ PXVL

E\üMHGQDOXEGZLHRVRE\Z\V]NRORQHZ]DNUHVLHDNZL]\FMLXEH]SLHF]HĔ2&DWDNĪH

ZREV]DU]HOLNZLGDFMLV]NyGVSRZRGRZDQ\FKSU]H]U]HF]R]QDZFyZPDMąWNRZ\FK

2SUyF]]QDMRPRĞFLSUDZDWHFKQLNZ\FHQ\SRZLQQ\RQHPLHüZLHOROHWQLąSUDNW\NĊ

ZG]LHG]LQLHPHWRGZ\FHQ\V]NyGZQLHUXFKRPRĞFLDFK

=DNRĔF]HQLH

= SU]HSURZDG]RQ\FK UR]ZDĪDĔ Z\QLND ĪH SUREOHPDW\ND G]LDáDOQRĞFL U]HF]R- ]QDZFyZPDMąWNRZ\FKMHVWEDUG]RWUXGQDRUD]ĪHZGDOV]\PFLąJX

• ZXVWDZLHRJRVSRGDUFHQLHUXFKRPRĞFLDPLIXQNFMRQXMąUHJXODFMHG\VNXV\MQH

• VSRáHF]Q\ VWDWXV U]HF]R]QDZF\ PDMąWNRZHJR GRĞü V]F]HJyáRZR RNUHĞORQR

ZSU]HSLVDFKVDPRU]ąGRZ\FK

• XEH]SLHF]HQLHRGSRZLHG]LDOQRĞFLF\ZLOQHMMHVWSRWU]HEQHZSUDNW\FHU]HF]R- ]QDZFyZPDMąWNRZ\FK

• ZNRQVWUXNFMLRERZLą]NRZHJRXEH]SLHF]HQLD2&Z\VWĊSXMHZLHOHHOHPHQWyZ

G\VNXV\MQ\FK

3U]HGVWDZLRQDSUREOHPDW\NDQLH]RVWDáDZ\F]HUSDQD.RQLHF]QHVąGDOV]HEDGDQLD

NWyUHSRZLQQ\GRW\F]\üRFHQ\HIHNW\ZQRĞFLWHJRXEH]SLHF]HQLD]SXQNWXZLG]HQLD

]DNáDGXXEH]SLHF]HĔ

%LEOLRJUDILD

 $GDPLF]ND-5]HF]R]QDZVWZRMDNR]DZyG]DXIDQLDSXEOLF]QHJRDZ\FHQDQDSRWU]HE\VHNWRUD

EDQNRZHJRÄ5]HF]R]QDZFD0DMąWNRZ\´SDĨG]LHUQLN±JUXG]LHĔ

 %DUDQRZVNL:3ROVNLHU]HF]R]QDZVWZRPDMąWNRZHZ]MHGQRF]RQHM(XURSLH±Z\]ZDQLD±SURE

OHP\±SLOQH]DGDQLDÄ5]HF]R]QDZFD0DMąWNRZ\´OLSLHF±ZU]HVLHĔ

 -ĊGUXV]XNà2GSRZLHG]LDOQRĞüRUJDQL]DFML]DZRGRZ\FKU]HF]R]QDZFyZPDMąWNRZ\FK]DV]NRGĊ

Z\U]ąG]RQą RFHQą SUDZLGáRZRĞFL VSRU]ąG]HQLD RSHUDWX V]DFXQNRZHJR Ä5]HF]R]QDZFD 0DMąW- NRZ\´OLSLHF±ZU]HVLHĔ

 67$1,6à$::,(7(6.$

 .RGHNVHW\NL]DZRGRZHMU]HF]R]QDZFyZPDMąWNRZ\FKÄ5]HF]R]QDZFD0DMąWNRZ\´SDĨ- G]LHUQLN±JUXG]LHĔ

 .RVPXOVND 6 6SHF\ILND SUDF\ U]HF]R]QDZF\ Z SRVWĊSRZDQLX NRPRUQLF]\P Ä5]HF]R]QDZFD

0DMąWNRZ\´OLSLHF±ZU]HVLHĔ

 .UXSD'ąEURZVND 5 -DNLH ZDUXQNL WU]HED VSHáQLü DE\ ]RVWDü U]HF]R]QDZFą PDMąWNRZ\P

Ä5]HF]SRVSROLWD´

 /HFKQRZLF].0DWHULDá\QDSRVLHG]HQLH.$3)5605\QLDN:DUV]DZ\PDMÄ5]HF]R- ]QDZFD0DMąWNRZ\´SDĨG]LHUQLN±JUXG]LHĔ

 0RĞFLFND$2GSRZLHG]LDOQRĞüRGV]NRGRZDZF]DNRPRUQLNDLELHJáHJR]DQLHSUDZLGáRZHRV]D

FRZDQLHU]HF]\SU]\OLF\WDFMLUXFKRPRĞFLÄ1RZD&XUUHQGD´QU

 3DáJDQ=7DMHPQLFD]DZRGRZDU]HF]R]QDZF\PDMąWNRZHJR F]Ä1LHUXFKRPRĞFL´QU

 3DZáRZVND-=DPyZLHQLDSXEOLF]QHQDXVáXJLU]HF]R]QDZFyZPDMąWNRZ\FKZODWDFK±

Ä5]HF]R]QDZFD0DMąWNRZ\´VW\F]HĔ±PDU]HF

 3U]\VWXSD03U]HGVLĊELRUVWZRMDNRSU]HGPLRWZ\FHQ\Ä5]HF]R]QDZFD0DMąWNRZ\´SDĨ- G]LHUQLN±JUXG]LHĔ

 5R]SRU]ąG]HQLH0LQLVWUD,QIUDVWUXNWXU\]GQLDOXWHJRUZVSUDZLHQDGDZDQLDXSUDZQLHĔ

LOLFHQFML]DZRGRZ\FKZG]LHG]LQLHJRVSRGDURZDQLDQLHUXFKRPRĞFLDPLRUD]GRVNRQDOHQLDNZDOLIL

NDFML]DZRGRZ\FKSU]H]U]HF]R]QDZFyZPDMąWNRZ\FKSRĞUHGQLNyZZREURFLHQLHUXFKRPRĞFLDPL

L]DU]ąGFyZQLHUXFKRPRĞFL']81USR]

 5R]SRU]ąG]HQLH0LQLVWUD,QIUDVWUXNWXU\]GQLDVW\F]QLDUZVSUDZLHSRVWĊSRZDQLD]W\WXáX

RGSRZLHG]LDOQRĞFL]DZRGRZHMU]HF]R]QDZFyZPDMąWNRZ\FKSRĞUHGQLNyZZREURFLHQLHUXFKRPRĞ

FLDPLRUD]]DU]ąGFyZQLHUXFKRPRĞFL']8SR]ZUD]]SyĨQLHMV]\PL]PLDQDPL

 5R]SRU]ąG]HQLH0LQLVWUD,QIUDVWUXNWXU\]GQLDNZLHWQLDUZVSUDZLHVWDáHJRGRVNRQDOHQLD

]DZRGRZHJRSU]H]U]HF]R]QDZFyZPDMąWNRZ\FKSRĞUHGQLNyZZREURFLHQLHUXFKRPRĞFLDPLRUD]

]DU]ąGFyZQLHUXFKRPRĞFL']8SR]ZUD]]SyĨQLHMV]\PL]PLDQDPL

 5XQNLHZLF]/5RODU]HF]R]QDZFyZLHNVSHUWyZEXGRZODQ\FKZSU]\JRWRZDQLXUHPRQWyZLPR

GHUQL]DFMLEXG\QNyZPLHV]NDOQ\FKLELXURZ\FKÄ3U]HJOąG%XGRZODQ\´QU

 6WURQDLQWHUQHWRZD'HSDUWDPHQWX*RVSRGDUNL1LHUXFKRPRĞFLDPL0LQLVWHUVWZD7UDQVSRUWX%X- GRZQLFWZDL*RVSRGDUNL0RUVNLHMGRVWĊS

 7HOLJD76DPRU]ąG]DZRGRZ\U]HF]R]QDZFyZPDMąWNRZ\FK±LQVW\WXFMDQLH]EĊGQDGODRFKURQ\

LQWHUHVXSXEOLF]QHJRÄ5]HF]R]QDZFD0DMąWNRZ\´ZU]HVLHĔ

 8UEDĔF]\N.%ODVNLLFLHQLH]DZRGXU]HF]R]QDZF\PDMąWNRZHJRÄ5]HF]R]QDZFD0DMąWNRZ\´

NZLHFLHĔ±F]HUZLHF

 =DVDG\ RJyOQH 3ROVNLHJR 6\VWHPX 8]QDQLD =DZRGRZHJR Ä5]HF]R]QDZFD 0DMąWNRZ\´ 

VW\F]HĔ±PDU]HF

 =DVDG\VWRVRZDQLDNRGHNVXHW\NL]DZRGRZHMU]HF]R]QDZFyZPDMąWNRZ\FKSU]\MĊWHSU]H].UDMRZą

5DGĊZGQLXUÄ5]HF]R]QDZFD0DMąWNRZ\´SDĨG]LHUQLN±JUXG]LHĔ

&RPSXOVRU\FLYLOOLDELOLW\LQVXUDQFHRIYDOXHV

,QWKHIUHHPDUNHWHFRQRP\DQLPSRUWDQWUROHSOD\UHDOHVWDWHVHOOLQJEX\LQJDQGSULFLQJ7KH

FRPSOH[LW\RIWKHLVVXHVUHODWHGWRWKHFRQGLWLRQRIWKHUHDOHVWDWHWUDQVDFWLRQSULFHVFRQVXPSWLRQDQG

HFRQRPLFFRQVXPSWLRQFRQWULEXWHGWRWKHDSSRLQWPHQWRIYDOXHV,QWKLVSDSHUZHGHVFULEHWKHUROHRI

DSSUDLVHUVLQWKHYDOXDWLRQRIYDULRXVW\SHVRIUHDOHVWDWHLQ3RODQG,QRUGHUWRSURWHFWWKHSURIHVVLRQDO

JURXSLWZDVLQWURGXFHGE\UHJXODWLRQRIWKH0LQLVWHURI)LQDQFHWKHFRPSXOVRU\FLYLOOLDELOLW\LQVXUDQFH

RIYDOXHV,QWKLVSDSHUZHDVVHVVWKHULVNRIZRUNRIYDOXHV:HFULWLFDOO\HYDOXDWHWKHFRQWHQWRIWKH

5HJXODWLRQRILWVYDJXHQHVVJXDUDQWHHVXPDQGUHVSRQVLELOLWLHV