{"id":36040,"date":"2014-10-09T20:23:09","date_gmt":"2014-10-09T17:23:09","guid":{"rendered":"http:\/\/www.lovendal.ro\/wp52\/?p=36040"},"modified":"2014-10-09T20:23:09","modified_gmt":"2014-10-09T17:23:09","slug":"stiati-ca-asigurarile-au-fost-inventate-de-babilonieni-acum-5-000-de-ani","status":"publish","type":"post","link":"https:\/\/www.lovendal.ro\/wp52\/stiati-ca-asigurarile-au-fost-inventate-de-babilonieni-acum-5-000-de-ani\/","title":{"rendered":"\u015etia\u0163i c\u0103&#8230; asigur\u0103rile au fost inventate de babilonieni acum 5.000 de ani?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-36041\" src=\"https:\/\/www.lovendal.ro\/wp52\/wp-content\/uploads\/2014\/10\/babilonieni-1.jpg\" alt=\"babilonieni 1\" width=\"333\" height=\"207\" srcset=\"https:\/\/www.lovendal.ro\/wp52\/wp-content\/uploads\/2014\/10\/babilonieni-1.jpg 333w, https:\/\/www.lovendal.ro\/wp52\/wp-content\/uploads\/2014\/10\/babilonieni-1-300x186.jpg 300w\" sizes=\"auto, (max-width: 333px) 100vw, 333px\" \/>Asigur\u0103rile, un serviciu public pentru preluarea riscului, au existat \u00een diverse forme \u00eenc\u0103 de pe vremea c\u00e2nd omul a \u00eenceput s\u0103-\u015fi scrie istoria. Primele poli\u0163e de asigurare \u00eembr\u0103cau forma unor contracte pentru protec\u0163ie pe mare \u015fi erau folosite de c\u0103tre negustorii babilonieni \u00een jurul anului 3000 \u00ee.Hr. Aceste contracte, adeseori doar verbale, stipulau acordarea de \u00eemprumuturi negustorilor cu men\u0163iunea c\u0103, dac\u0103 un anumit transport de bunuri se pierdea pe mare, \u00eemprumutul nu mai trebuia rambursat. Dob\u00e2nzile acestor \u00eemprumuturi variau \u00een func\u0163ie de riscul transportului, la fel \u015fi costul poli\u0163ei; ambele au atins cote maxime \u00een perioada \u00een care m\u0103rile erau b\u00e2ntuite de pira\u0163i. Posibilitatea asigur\u0103rii m\u0103rfurilor a contribuit la evolu\u0163ia comer\u0163ului interna\u0163ional, determin\u00e2ndu-i \u015fi pe negustorii mai pu\u0163in \u00eentreprinz\u0103tori s\u0103-\u015fi trimit\u0103 m\u0103rfurile la distan\u0163e considerate pe atunci mari, \u00een vase destul de rudimentare \u015fi adeseori \u00een condi\u0163ii meteorologice riscante.<\/p>\n<p>Asigur\u0103rile transporturilor marine erau practicate \u015fi de societatea hindus\u0103 \u00een jurul anului 600 \u00ee.Hr., fiind deja o uzan\u0163\u0103 \u00een secolul al IV-lea \u00een imperiul maritim grecesc. De fapt, grecii au fost cei ce au impus contractele scrise, elimin\u00e2nd astfel multe dintre porti\u0163ele de sc\u0103pare ale poli\u0163elor anterioare, fie ele verbale sau scrise. Practic, toate popoarele ce aveau contacte comerciale cu grecii pe cale maritim\u0103 au adoptat aceste contracte de asigurare.<\/p>\n<p>Poli\u0163ele de asigurare de toate felurile au evoluat destul de devreme \u00een istorie \u00een forma lor modern\u0103, cu siguran\u0163\u0103 \u00eenainte de evul mediu. Patru clauze, care \u00een acea vreme erau remarcabile, au r\u0103mas \u015fi \u00een prezent de o importan\u0163\u0103 cov\u00e2r\u015fitoare \u00een toate tipurile de poli\u0163e: (1) obiectele asigurate trebuie s\u0103 fie suficient de numeroase \u015fi de similare pentru a permite un calcul realist al frecven\u0163ei \u015fi gravit\u0103\u0163ii pierderii lor, (2) asigurarea tuturor obiectelor \u2014 fie c\u0103 sunt bunuri comerciale pe un vas sau cl\u0103diri dintr-un cartier\u2014nu poate fi realizat\u0103 de un singur agent; (3) pierderile trebuie s\u0103 fie accidentale \u015fi probabil \u00een afara controlului p\u0103r\u0163ii p\u0103gubite; (4) este necesar s\u0103 poat\u0103 stabili faptul c\u0103 pierderea chiar s-a produs \u015fi c\u00e2t de mare a fost aceasta.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigur\u0103rile, un serviciu public pentru preluarea riscului, au existat \u00een diverse forme \u00eenc\u0103 de pe vremea c\u00e2nd omul a \u00eenceput s\u0103-\u015fi scrie istoria. Primele poli\u0163e de asigurare \u00eembr\u0103cau forma unor contracte pentru protec\u0163ie pe mare \u015fi erau folosite de c\u0103tre &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"\u015etia\u0163i c\u0103&#8230; asigur\u0103rile au fost inventate de babilonieni acum 5.000 de ani?\" class=\"read-more button\" href=\"https:\/\/www.lovendal.ro\/wp52\/stiati-ca-asigurarile-au-fost-inventate-de-babilonieni-acum-5-000-de-ani\/#more-36040\" aria-label=\"Cite\u0219te mai multe despre \u015etia\u0163i c\u0103&#8230; asigur\u0103rile au fost inventate de babilonieni acum 5.000 de ani?\">Cititi mai multe<\/a><\/p>\n","protected":false},"author":1,"featured_media":36041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2833,1652],"tags":[1944,857,5042,7082,6468,683,9805],"class_list":["post-36040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noutati","category-stiati-ca","tag-asigurari","tag-babilonieni","tag-comert","tag-dobanda","tag-greci","tag-pirati","tag-stiati-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u015etia\u0163i c\u0103... asigur\u0103rile au fost inventate de babilonieni acum 5.000 de ani? - Secretele lui Lovendal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lovendal.ro\/wp52\/stiati-ca-asigurarile-au-fost-inventate-de-babilonieni-acum-5-000-de-ani\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u015etia\u0163i c\u0103... asigur\u0103rile au fost inventate de babilonieni acum 5.000 de ani?\" \/>\n<meta property=\"og:description\" content=\"Asigur\u0103rile, un serviciu public pentru preluarea riscului, au existat \u00een diverse forme \u00eenc\u0103 de pe vremea c\u00e2nd omul a \u00eenceput s\u0103-\u015fi scrie istoria. 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- Secretele lui Lovendal","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lovendal.ro\/wp52\/stiati-ca-asigurarile-au-fost-inventate-de-babilonieni-acum-5-000-de-ani\/","og_locale":"ro_RO","og_type":"article","og_title":"\u015etia\u0163i c\u0103... asigur\u0103rile au fost inventate de babilonieni acum 5.000 de ani?","og_description":"Asigur\u0103rile, un serviciu public pentru preluarea riscului, au existat \u00een diverse forme \u00eenc\u0103 de pe vremea c\u00e2nd omul a \u00eenceput s\u0103-\u015fi scrie istoria. Primele poli\u0163e de asigurare \u00eembr\u0103cau forma unor contracte pentru protec\u0163ie pe mare \u015fi erau folosite de c\u0103tre ... 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