{"id":6843,"date":"2020-09-15T19:44:07","date_gmt":"2020-09-15T17:44:07","guid":{"rendered":"http:\/\/iup.rs\/tokovi-osiguranja\/"},"modified":"2026-02-19T11:51:37","modified_gmt":"2026-02-19T10:51:37","slug":"tokovi-osiguranja","status":"publish","type":"page","link":"https:\/\/iup.rs\/sr\/publikacije\/%d1%87%d0%b0%d1%81%d0%be%d0%bf%d0%b8%d1%81%d0%b8-2\/tokovi-osiguranja\/","title":{"rendered":"\u0422\u043e\u043a\u043e\u0432\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430 (2016 &#8211; \u0434\u0430\u043d\u0430\u0441)"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<p>\u0418\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0437\u0430 \u0443\u043f\u043e\u0440\u0435\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u043e \u0458\u0435 \u0441\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u043e\u043c \u0414\u0443\u043d\u0430\u0432 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0435 \u0430\u043f\u0440\u0438\u043b\u0430 2016. \u0433\u043e\u0434\u0438\u043d\u0435 \u0437\u0430\u043a\u0459\u0443\u0447\u0438\u043e \u0443\u0433\u043e\u0432\u043e\u0440 \u043e \u0441\u0430\u0438\u0437\u0434\u0430\u0432\u0430\u0448\u0442\u0432\u0443 \u0447\u0430\u0441\u043e\u043f\u0438\u0441\u0430 &#8222;\u0422\u043e\u043a\u043e\u0432\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430&#8220;. \u041f\u043e\u0447\u0435\u0432 \u043e\u0434 \u0431\u0440\u043e\u0458\u0430 1. \u0437\u0430 2024. \u0433\u043e\u0434\u0438\u043d\u0443 \u0447\u0430\u0441\u043e\u043f\u0438\u0441 \u0438\u0437\u0434\u0430\u0458\u0435 \u0423\u0434\u0440\u0443\u0436\u0435\u045a\u0435 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u0432\u0430\u0447\u0430 \u0421\u0440\u0431\u0438\u0458\u0435 \u0443 \u0441\u0430\u0440\u0430\u0434\u045a\u0438 \u0441\u0430 \u0418\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u043e\u043c \u0437\u0430 \u0443\u043f\u043e\u0440\u0435\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u043e.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-22713\" src=\"http:\/\/iup.rs\/wp-content\/uploads\/2026\/02\/cover2024.png\" alt=\"\" width=\"260\" height=\"350\" srcset=\"https:\/\/iup.rs\/wp-content\/uploads\/2026\/02\/cover2024.png 260w, https:\/\/iup.rs\/wp-content\/uploads\/2026\/02\/cover2024-223x300.png 223w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/p>\n<p>\u0427\u0430\u0441\u043e\u043f\u0438\u0441\u00a0<em>\u0422\u043e\u043a\u043e\u0432\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430\u00a0<\/em>\u0431\u0430\u0432\u0438 \u0441\u0435 \u0441\u0432\u0438\u043c \u0430\u0441\u043f\u0435\u043a\u0442\u0438\u043c\u0430 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430 \u2013 \u043f\u0440\u0430\u0432\u043d\u0438\u043c, \u0435\u043a\u043e\u043d\u043e\u043c\u0441\u043a\u0438\u043c, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0448\u043a\u043e-\u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u043e\u043d\u0438\u043c, \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0442\u0438\u0447\u043a\u0438\u043c, \u043f\u0440\u0435\u0432\u0435\u043d\u0442\u0438\u0432\u043d\u043e-\u0438\u043d\u0436\u0435\u045a\u0435\u0440\u0441\u043a\u0438\u043c, \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0448\u043a\u0438\u043c. \u041d\u0430\u043c\u0435\u045a\u0435\u043d \u0458\u0435 \u043d\u0435 \u0441\u0430\u043c\u043e \u0437\u0430\u043f\u043e\u0441\u043b\u0435\u043d\u0438\u043c\u0430 \u0443 \u0434\u0440\u0443\u0448\u0442\u0432\u0438\u043c\u0430 \u0437\u0430 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0435 \u043a\u043e\u0458\u0430 \u043f\u043e\u0441\u043b\u0443\u0458\u0443 \u043d\u0430 \u0442\u0435\u0440\u0438\u0442\u043e\u0440\u0438\u0458\u0438 \u0420\u0435\u043f\u0443\u0431\u043b\u0438\u043a\u0435 \u0421\u0440\u0431\u0438\u0458\u0435 \u0438 \u0440\u0435\u0433\u0438\u043e\u043d\u0430, \u0432\u0435\u045b \u0441\u0432\u0438\u043c\u0430 \u043a\u043e\u0458\u0438 \u043d\u0430\u0441\u0442\u043e\u0458\u0435 \u0434\u0430 \u0434\u0443\u0431\u0459\u0435 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u0443 \u0443 \u0441\u0443\u0448\u0442\u0438\u043d\u0443 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430 \u0438 \u0438\u043d\u0444\u043e\u0440\u043c\u0438\u0448\u0443 \u0441\u0435 \u043e \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0458\u0430\u043c\u0430 \u0443 \u043e\u0432\u043e\u0458 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0443 \u043d\u0430\u0448\u043e\u0458 \u0437\u0435\u043c\u0459\u0438, \u0443 \u0440\u0435\u0433\u0438\u043e\u043d\u0443 \u0438 \u0443 \u0441\u0432\u0435\u0442\u0443, \u0442\u0435 \u0458\u0435 \u0443 \u0442\u043e\u043c \u0446\u0438\u0459\u0443 \u0434\u043e\u0441\u0442\u0443\u043f\u0430\u043d \u0441\u0432\u0438\u043c \u0437\u0430\u0438\u043d\u0442\u0435\u0440\u0435\u0441\u043e\u0432\u0430\u043d\u0438\u043c \u0447\u0438\u0442\u0430\u043e\u0446\u0438\u043c\u0430 \u0443 \u0448\u0442\u0430\u043c\u043f\u0430\u043d\u043e\u0458 \u0438 \u0435\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u0441\u043a\u043e\u0458 \u0444\u043e\u0440\u043c\u0438.<\/p>\n<p>\u0413\u043b\u0430\u0432\u043d\u0430 \u0438 \u043e\u0434\u0433\u043e\u0432\u043e\u0440\u043d\u0430 \u0443\u0440\u0435\u0434\u043d\u0438\u0446\u0430 \u0447\u0430\u0441\u043e\u043f\u0438\u0441\u0430 \u0458\u0435\u00a0<a href=\"https:\/\/tokoviosiguranja.edu.rs\/editor-in-chief\"><strong>\u043f\u0440\u043e\u0444. \u0434\u0440. \u041d\u0430\u0442\u0430\u0448\u0430 \u041f\u0435\u0442\u0440\u043e\u0432\u0438\u045b \u0422\u043e\u043c\u0438\u045b<\/strong><\/a>, \u0440\u0435\u0434\u043e\u0432\u043d\u0430 \u043f\u0440\u043e\u0444\u0435\u0441\u043e\u0440\u043a\u0430 \u041f\u0440\u0430\u0432\u043d\u043e\u0433 \u0444\u0430\u043a\u0443\u043b\u0442\u0435\u0442\u0430 \u0423\u043d\u0438\u0432\u0435\u0440\u0437\u0438\u0442\u0435\u0442\u0430 \u0443 \u0411\u0435\u043e\u0433\u0440\u0430\u0434\u0443.<\/p>\n<p>\u0427\u0430\u0441\u043e\u043f\u0438\u0441 \u0438\u043c\u0430\u00a0<a href=\"https:\/\/tokoviosiguranja.edu.rs\/publishing-council\/\"><strong>\u0418\u0437\u0434\u0430\u0432\u0430\u0447\u043a\u0438\u00a0<\/strong><\/a>\u00a0\u0438\u00a0<a href=\"https:\/\/tokoviosiguranja.edu.rs\/editorial-board\/\"><strong>\u0420\u0435\u0434\u0430\u043a\u0446\u0438\u0458\u0441\u043a\u0438 \u043e\u0434\u0431\u043e\u0440<\/strong><\/a>\u00a0\u0443 \u0447\u0438\u0458\u0435\u043c \u0441\u0443 \u0441\u0430\u0441\u0442\u0430\u0432\u0443 \u0442\u0430\u043a\u043e\u0452\u0435 \u0443\u0433\u043b\u0435\u0434\u043d\u0438 \u043f\u0440\u043e\u0444\u0435\u0441\u043e\u0440\u0438, \u043d\u0430\u0443\u0447\u043d\u0438 \u0438\u0441\u0442\u0440\u0430\u0436\u0438\u0432\u0430\u0447\u0438 \u0438 \u0438\u0441\u0442\u0430\u043a\u043d\u0443\u0442\u0438 \u0440\u0430\u0434\u043d\u0438\u0446\u0438 \u0438\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u0458\u0435 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430.<\/p>\n<p>\u0427\u0430\u0441\u043e\u043f\u0438\u0441 \u0441\u0435 \u043d\u0430\u043b\u0430\u0437\u0438 \u043d\u0430 \u043b\u0438\u0441\u0442\u0438 \u043d\u0430\u0443\u0447\u043d\u0438\u0445 \u0447\u0430\u0441\u043e\u043f\u0438\u0441\u0430 \u041c\u0438\u043d\u0438\u0441\u0442\u0430\u0440\u0441\u0442\u0432\u0430 \u043d\u0430\u0443\u043a\u0435, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0448\u043a\u043e\u0433 \u0440\u0430\u0437\u0432\u043e\u0458\u0430 \u0438 \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0458\u0430 \u0420\u0435\u043f\u0443\u0431\u043b\u0438\u043a\u0435 \u0421\u0440\u0431\u0438\u0458\u0435 \u0438 \u043a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u0441\u0430\u043d \u0458\u0435 \u043a\u0430\u043e <strong>\u0432\u043e\u0434\u0435\u045b\u0438 \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438 \u0447\u0430\u0441\u043e\u043f\u0438\u0441<\/strong> (<strong>\u041c51).<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] \u0418\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0437\u0430 \u0443\u043f\u043e\u0440\u0435\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u043e \u0458\u0435 \u0441\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u043e\u043c \u0414\u0443\u043d\u0430\u0432 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0435 \u0430\u043f\u0440\u0438\u043b\u0430 2016. \u0433\u043e\u0434\u0438\u043d\u0435 \u0437\u0430\u043a\u0459\u0443\u0447\u0438\u043e \u0443\u0433\u043e\u0432\u043e\u0440 \u043e \u0441\u0430\u0438\u0437\u0434\u0430\u0432\u0430\u0448\u0442\u0432\u0443 \u0447\u0430\u0441\u043e\u043f\u0438\u0441\u0430 &#8222;\u0422\u043e\u043a\u043e\u0432\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430&#8220;. &#8230;<\/p>\n","protected":false},"author":9,"featured_media":22717,"parent":6876,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6843","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0422\u043e\u043a\u043e\u0432\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430 (2016 - \u0434\u0430\u043d\u0430\u0441) - \u0418\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0437\u0430 \u0443\u043f\u043e\u0440\u0435\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u043e<\/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:\/\/iup.rs\/sr\/publikacije\/\u0447\u0430\u0441\u043e\u043f\u0438\u0441\u0438-2\/tokovi-osiguranja\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0422\u043e\u043a\u043e\u0432\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430 (2016 - \u0434\u0430\u043d\u0430\u0441) - \u0418\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0437\u0430 \u0443\u043f\u043e\u0440\u0435\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u043e\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text] \u0418\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0437\u0430 \u0443\u043f\u043e\u0440\u0435\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u043e \u0458\u0435 \u0441\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u043e\u043c \u0414\u0443\u043d\u0430\u0432 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0435 \u0430\u043f\u0440\u0438\u043b\u0430 2016. \u0433\u043e\u0434\u0438\u043d\u0435 \u0437\u0430\u043a\u0459\u0443\u0447\u0438\u043e \u0443\u0433\u043e\u0432\u043e\u0440 \u043e 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