Insurance in the agricultural sector is a special sort of property insurance applied to agricultural manufacturers in the aim of preventing the loss of profit made in agricultural activities. It is not limited to crops and fruitage, rather it refers to livestock, domestic and wild animals, and it can also be applied to greenhouses, in forestry and aquaculture. This paper points out to characteristics of crop and fruitage insurance as an instrument for risk management applied in Europe and Serbia. Different insurance systems are analyzed here with an emphasis on the insurance of one type of risk, combined insurance and crop insurance. Different forms of crop and fruitage insurance are given here, with a special emphasis on the share of insured areas, share of insurance premiums in the insured sum, realized technical result expressed through a ratio of paid claims and paid insurance premiums by the insurer, as well as the number of subsidies which the state is using to partially compensate farmers for the costs of insurance premiums. Has a special social and ecological significance, wherein it is the driver of rural development at the same time.

The beginning of the 21st century has noted a change in the attitude of modern man towards health and the pursuit of a healthy lifestyle. Thus, particular emphasis is placed on the importance of a healthy diet and a healthy lifestyle. The importance of nourishing nutrition and health-related issues has been recognized and raised on the state level. Thus, numerous national campaigns promote healthy nutrition aimed at improving the overall health of the nation. Health in general, as well as healthy eating habits, are today very important political and economic issues in developed countries. On the contrary, in underdeveloped countries, food shortage is not uncommon. The Republic of Serbia has high-quality and healthy food, but consumer awareness regarding this issue is insufficiently developed. The aim of this paper is to determine the level of the consumption of organic foods by the student population and the awareness of good nutrition and a healthy lifestyle. The research was conducted in the Danube Region within the Republic of Serbia.

Obezbeđivanje penzija u penzijskom sistemu Republike Srbije suočava se sa velikim teškoćama. Osnovni uzrok ovih teškoća je rastući broj penzionera u poređenju sa brojem zaposlenih iz čijih se prihoda sakuplja novac neophodan za penzije. Ovi problemi, u svetu, rešavaju se reformama penzijskog sistema i uvođenjem penzijskog sistema sa tri stuba u kome će postojeći sistem biti reformisan i pretvoren u prvi stub, dok će se drugi i treći stub zasnivati na penzijskim fondovima. Penzijski fondovi su institucionalni investitori koji imaju posebne odlike i načine investiranja. Predmet ovog rada je analiza poslovanja penzijskih fondova u Republici Srbiji. Dat je prikaz strategije i instrumenata finansiranja penzijskih fondova u Republici Srbiji kao i svi parametri poslovanja u prethodnih deset godina.

The insurance market has a significant impact on the development of economy of each country and it is an important factor of the stability of the financial sector. The insurance market in Serbia is underdeveloped and according to the degree of development, it is well below the average of the European Union member states. This is reflected in the indicators of the development of the insurance market - the ratio between total premium and gross domestic product and total premium per capita. The insurance market in Serbia belongs to a group of emerging markets with significant potential, primarily in the sphere of life insurance. The growth rate of the life insurance market in Serbia was different and it used to be prone to external and internal influence of various factors. Pursuant to the Insurance Law and the Law on Amendments to the Law on the National Bank of Serbia from 2004, supervision over the performance of insurance activities was entrusted to the National Bank of Serbia. In 2004, it defined and disclosed its strategic goal in the field of insurance - creation and maintenance of a safe and stable insurance sector and provision of public confidence in the insurance sector, in order to protect the interests of policyholders and third parties. In accordance with its legal authority, the National Bank of Serbia adopts the acts defined by law, exercises supervision over the performance of insurance activities, issues and revokes licenses for performance of insurance activities, reinsurance, insurance brokerage and activities directly related to insurance activities, gives consent to acts, gives and withdraws approval for appointment of members of the management and supervisory board, grants and revokes the approval for acquiring qualified participation in the company, processes statistical and other data, keeps data registers in accordance with the Law, considers complaints of policyholders and third parties to the work of insurance companies, including conducting mediation.

The objective of this paper is to present the importance of information and communication technologies (ICT) for the development of insurance companies business, and in particular distribution of insurance products that relies on ICT, primarily the Internet. The special place here is reserved for internet marketing, which is most commonly used in insurance companies. Mobile communications introduce the biggest changes in e-commerce. Nowadays their distribution among consumers offers great opportunities for service providers. Currently, insurance companies in our country do not offer their services through this specific communication channel. However, in the very near future changes can be expected in this sphere because preconditions for such activity already exist in Serbia today. This is supported by the information that certain insurance companies in the countries in the region have already activated their first applications for smartphones, and similar applications for banking already function in Serbia.

Internet i informacione tehnologije su transformisale način na koji kompanije sprovode poslovne procese. Nove tehnologije omogućile su kompanijama da automatizuju manuelne operacije i da procesiraju informacije na daleko brži način. Internet je doveo do stvaranja novih komunikacionih formi i poslovnih metoda i procesa za upravljanje finansijskim, poslovnim informacijama i drugim poslovnim elementima. Svet se nalazi na pragu druge ere Interneta. Prva era trajala je od pojave Interneta i pokrenula je konvergencija kompjuterskih i komunikacionih tehnologija. Drugu eru Interneta pokreću matematika, kriptografija i softverski inženjering. Kao što je prva era Interneta donela revoluciju svetske ekonomije, elektronske trgovine i marketinga, tako i druga era Interneta na bazi blockchain tehnologija preti da revolucionarizuje poslovne modele čitavih sektora ili industrija. Značajan je broj glasova koji blockchain nazivaju najvećom revolucijom od pojave Interneta. I u domenu osiguranja Internet je doveo do revolucionarizovanja poslovnog ciklusa - od kreiranja novih kanala komunikacija i kanala prodaje do potpune promene koncepta svih segmenata osiguranja kao takvog primenom tehnologija poput blockchain-a. Sektor osiguranja je evoluirao i preživeo više transformacija ove industrije. Blockchain je najnoviji katalizator transformacija i to sa potencijalom da postane najznačajniji digitalni trend u ovoj i narednim decenijama. Ova tehnologija poseduje potencijal da utiče na kompletan lanac procesa osiguranja od prikupljanja podataka, analize rizika, formiranja cena odnosno visina premija, izdavanja polisa, obrada zahteva za isplatu itd. .