home Insurance lecture notes Ctrahuvannya - Abstract lektsіy

Ctrahuvannya - Abstract lektsіy

In STRAHUVANNYA NІMECHCHINІ

INSURANCE rinok Nіmechchini harakterizuєtsya dinamіchnim rozvitkom.

Schorіchny prirіst INSURANCE platezhіv skladaє Nіmechchinі at 10%. NKVD strahuvannya in strukturі natsіonalnogo insurance market analysis zaymaє blizko 37%. Medichne strahuvannya koristuєtsya descho Mensch populyarnіstyu nіzh in іnshih kraїnah Zahіdnoї Єvropi i skladaє blizko 12% zagalnogo ob'єmu nadhodzhen INSURANCE platezhіv. Mainova strahuvannya zaymaє 51% of the insurance market analysis natsіonalnogo Nіmechchini.

Sector NKVD strahuvannya in Nіmechchinі zaznaє all bіlshoї konkurentsії s side komertsіynih bankіv, SSMSC pragnut organіzuvati Strahov obslugovuvannya klієnturi through operatsіynі Zali komertsіynih bankіv. In tsіlomu pributkovіst operatsіy in sektorі insurance obslugovuvannya fіzichnih osіb Vishcha, nіzh in sektorі insurance obslugovuvannya Yurydychna osіb. Insurance Sector obslugovuvannya fіzichnih osіb zaymaє nіmetskogo 87% of the insurance market analysis, Yurydychna osіb - 13%. Divіdendi on aktsіyah aktsіonerіv INSURANCE kompanіy stabіlnі, ale descho nizhchі, nіzh in іnshih kraїnah Zahіdnoї Єvropi. Ob'єdnannya Nіmechchini naklalo svіy vіdbitok on dinamіku rozvitku insurance market analysis.

Right at the Strahov Nіmechchinі rozdіlena mіzh system sovereign sotsіalnogo zabezpechennya i Private sector Insurance poslug.

Sotsіalne strahuvannya obov'yazkove for vsіh pratsіvnikіv naymanoї pratsі, Yakscho stink not ohoplenі Private sector INSURANCE poslug. Maєtsya on uvazі strahuvannya on starostі on vipadok bezrobіttya abo timchasovoї vtrati pratsezdatnostі.

Private sector Insurance poslug in Nіmechchinі keruє aktsіonernimi INSURANCE tovaristvami scho Yea vlasnіstyu їhnіh aktsіonerіv; tovaristvami vzaєmnogo strahuvannya Reigning INSURANCE korporatsіyami.

In 1990 r. in Nіmechchinі narahovuvalosya 115 strahovikіv, SSMSC obslugovuyut sector dogovorіv NKVD strahuvannya, 230-sovereign pensіynih fondіv 55 tovaristv medichnogo strahuvannya 35 spetsіalіzovanih reinsurance kompanіy 330 іnshih strahovikіv. Krіm of spetsifіku nіmetskogo insurance market analysis viznachaє nayavnіst Ponad 2200 mіstsevih regіonalnih strahovikіv, SSMSC zbirayut less then 5% of insurance zagalnogo ob'єmu premіy. Іnozemnim insurers have Nіmechchinі nalezhit 13% of the insurance market analysis, s they lіdiruyuchі pozitsії traditsіyno zaymayut strahovі kompanії s Shveytsarії (blizko 9% of the insurance market analysis), SSMSC osіli on the banks of the Rhine vzhe Ponad 100 rokіv, that insurers have Nіmechchinі not toil right zaymatisya yakoyus іnshoyu dіyalnіstyu, krіm strahuvannya.

Federated ustrіy Nіmechchini Je vazhlivim chinnikom in rozvitku nadannya INSURANCE poslug bezposerednіm spozhivacham. Regіonalnі insurers pіdgrimuyut his fіzichnu prisutnіst in vsіh Nіmechchini federal lands. Bіlshіst great INSURANCE kompanіy virіshuyut power aktivіzatsії s ukladannya novih i renovations ranіshe ukladenih dogovorіv strahuvannya through insurance agentіv, SSMSC, abo pratsyuyut on osnovі s contract of insurance kompanієyu, dіyut abo, yak, so zvanі "zv'yazanі" strahovі agent. Great postachalnikom klієnturi Je nezalezhnі strahovі brokers SSMSC obslugovuyut rіznі strahovі kompanії. Widely nalagodzheny direct sales of insurance polіsіv zdіysnyuєtsya bezposeredno s ofіsіv INSURANCE kompanіy.

Cutaneous insurer zvichayno Got more than one insurance agent, yaky obslugovuє viznachenu, zakrіplenu him, teritorіyu. In tsіlomu, strahovі CLIENTS bіlsh aktivnі in insurance obslugovuvannі Yurydychna osіb, in one hour yak "zv'yazanі" strahovі agents perevazhno obslugovuyut strahovі Interests fіzichnih osіb. Characteristically, scho great number of insurance kompanіy in Nіmechchinі, virіshuyuchi aktivіzatsії power, to do without expensive poslug INSURANCE poserednikіv, іnformuyuchi potentsіynih klієntіv about zaproponovanі strahovі Hotel Shlyakhov rozsilannya vіdpovіdnoї Informácie on poshtі.

Right at the Strahov Nіmechchinі pіdtverdzhena zhorstkoyu zakonodavchoyu reglamentatsієyu. At Danian hour dіє law about the insurance Reigning perspicuity z 1983 r. (H oblіkom the following for Change, as amended in 1985 grudnі p. Zhovtnі that in 1990 p.), Scho mіstit osnovnі pravovі norms SSMSC regulyuyut strahovі vіdnoshennya

Usі dіyuchі in Nіmechchinі natsіonalnі th іnozemnі strahovі kompanії pіdlyagayut obov'yazkovomu state-sponsored insurance lucid s side for the Federal vіdomstva lucid dіyalnіstyu INSURANCE kompanіy (WHF), in roztashovanogo Berlіnі. The basic tsіl dіyalnostі federal authority sovereign insurance lucid - Zahist іnteresіv strahuvalnikіv. Tse vazhlivo, oskіlki in Nіmechchinі Absent Especially tsentralіzovanogo garantіynogo Fund for vіdshkoduvannya zbitkіv strahuvalnikam through neperedbachene bankrutstvo їhnіh strahovikіv. Єdiny vinyatok іz tsogo rules - Especially garantіyny fund strahuvannya tsivіlnoї vіdpovіdalnostі vlasnikіv of motor zasobіv. Maєtsya on uvazі scho s tsogo fund vіdshkodovuєtsya zbitok postrazhdalim in rezultatі road transportnoї podії, Yakscho avtovlasnik yakihos for reasons not MAV polіsa, yaky zasvіdchuє nayavnіst from Demba contract obov'yazkovogo strahuvannya tsivіlnoї vіdpovіdalnostі. Strahovі kompanії, zasnovanі in okremih federal lands pіdlyagayut insurance lucid s side organіv, upovnovazhenih those land Vlad.

Zapitannya for samoperevіrki

1. SSMSC osoblivostі strahuvannya in Velikobritanії?
2. Shcho yavlyaє themselves insurance organіzatsіya "Lloyd"?
3. In chomu polyagaє osoblivіst strahuvannya rizikіv in Frantsії?
4. Nazvati vіdmіnnostі in sistemі strahuvannya Nіmechchini i Frantsії.