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Fіnansi (teoretichnі basis) - Grіdchіna MV

4.4. Spіvstrahuvannya i reinsurance

Fіnansovy camp strahovoї kompanії bezposeredno deposits od structuring її insurance portfolio, tobto od spіvvіdnoshennya ob'єktіv are insured. Zbalansovanіst insurance portfolio of the insurance sum dosyagaєtsya virіvnyuvannyam priynyatih to strahuvannya rizikіv for dwellers viplati for okremimi please do not zruynuvali fіnansovu insurers base. Tse mozhlivo, oskіlki rozmіr insurance fund s are insured usіh ob'єktіv uniquely Mensch od zagalnoї sumi strahovoї vіdpovіdalnostі, th neobhіdnіst viplati vіdnosno great sum of insurance for the sake of kіlkoma s rizikami s temple vіrogіdnіstyu Mauger prizvesti vtrati to the insurance fund. So rank, vinikaє situatsіya, if insurer Hoca, ale z ob'єktivnih reason not Mauger priynyati rizik to strahuvannya, Yakscho rizik Nadto nebezpechny. Neobhіdno zbalansuvati potentsіynu vіdpovіdalnіst, pov'yazanu іz sukupnoyu INSURANCE sumoyu, s fіnansovimi mozhlivostyami insurers, i vodnochase Nadachi Yomou mozhlivіst borrow up strahuvannya riziki whether yakogo rozmіru s tim, insurance dwellers kompaniia not bula obmezhena schodo otrimannya pributku od dіyalnostі on the insurance market analysis. So mehanіzmom reinsurance Yea i yogo rіznovid - spіvstrahuvannya, if insurer zaluchaє to ukladennya contract strahuvannya іnshih strahovikіv.

Reinsurance - tse system ekonomіchnih vіdnosin, pov'yazanih s committing insurers Chastain vіdpovіdalnostі for priynyatі to strahuvannya riziki on uzgodzhenih minds іnshim insurer s metoyu stvorennya zbalansovanogo insurance portfolio, zabezpechennya fіnansovoї stіykostі that rentabelnostі INSURANCE operatsіy. Vіdnosini schodo reinsurance mozhut mother natsіonalny yak, so i mіzhnarodny character. Before Tsikh vіdnosin mozhut zaluchatisya takozh іnozemnі strahovі kompanії.

Main funktsієyu reinsurance Je vtorinny rozpodіl riziku, zavdyaki Money Does zdіysnyuєtsya kіlkіsne i yakіsne virіvnyuvannya insurance portfolio. Law of Ukraine "About strahuvannya" zobov'yazuє insurers zdіysnyuvati reinsurance (spіvstrahuvannya) in razі perevischennya rozmіru lands strahuvannya mozhlivostey її vikonannya for rakhunok i Vlasnyi koshtіv INSURANCE rezervіv. Tsim dosyagaєtsya Zahist insurance fund on korist usіh klієntіv strahovoї kompanії.

Mehanіzm reinsurance peredbachaє fate in nomu kіlkoh kompanіy of insurance, in addition chislі spetsіalіzovanih-perestrahuval them. Tse daє zmogu rozoserediti practical whether yaky rizik of insurance, reinsurance tobto daє zmogu navіt nevelikіy strahovіy kompanії take up strahuvannya practical dermal rizik, scho nalezhit to the category of insurance.

Strahovі kompanії, zadіyanі in perestrahuvannі, nazivayutsya perestrahovikami and processes committing riziku - tsediruvannyamriziku, abo perestrahuvalnoyu tsesієyu. Insurers, yaky vіddaє rizik, nazivayut assignor and perestrahovika scho bere on itself rizik - tsesіo-narієm.

Reinsurance Mauger mother kіlka stupenіv poslіdovnogo rozmіschennya (committing) riziku (podrіbnennya riziku) in kіlkoh perestrahovikіv - retrotsesіy. Cutaneous the following perestrahuval-nick nazivaєtsya retrocedent assignor and the following re-cutaneous strahuvalnik-tsesіonarіy - retrotsesіonarієm.

Osoblivіst reinsurance polyagaє in peredavannі insurers riziku perestrahovikam s vlasnoї іnіtsіativi without zaluchennya to tsogo processes strahuvalnika, yaky ukladaє favor deprivation s one (Perche) insurers i s deprivation from him vstupaє strahovі vіdnosini. Rіshennya about reinsurance priymaє bezposeredno insurer (assignor).

Chislennі Treaty reinsurance klasifіkuyutsya take the form of zobov'yazan (vіlny chi ni vibіr rizikіv for strahuvannya) chastkoyu priynyatih rizikіv i committing іnozemnih rizikіv.

Spіvstrahuvannya (spіlne strahuvannya) - tse system ekonomіchnih vіdnosin scho peredbachayut fate in strahuvannі one klієnta odrazu kіlkoh strahovikіv Shlyakhov rozpodіlu riziku at Chastain i ukladennya okremih dogovorіv for dermal s Tsikh Chastain. Yak zaznachalosya, spіvstrahuvannya Je rіznovidom reinsurance. Cutaneous insurer vіdpovіdaє for rizikom uzyatіy in on itself chastinі. Insurance Premia rozpodіlyaєtsya mіzh insurers vіdpovіdno to Chastain uzyatogo cutaneous riziku.