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Strahuvannya - Osadets SS

1.5. Strahuvannya role in the transition to perіod rinkovoї Economy

In tsomu pіdruchniku ​​pid ekonomіkoyu rozumієtsya gospodarska system scho zabezpechuє zadovolennya іndivіdualnih i suspіlnih potreb people zhittєvimi benefits.

Ekonomіka - tse bezperervny processes vіdtvorennya tovarіv i poslug. Sered rozmaїttya produktіv Economy digit Location posіdayut strahovі Hotel. In poperednіh pіdrozdіlah Bulo shown scho yak strahuvannya form Zahist Got bagatovіkovu іstorіyu, ale nayіntensivnіshogo rozvitku nabuvaє vono in the minds rinkovoї Economy.

UKRAINE at skladі kolishnogo CPCP arrogant dії mayzhe 70 rіchnogo "eksperimentu" gospodaryuvannya in the minds tsentralіzovanoї Economy. Vіn in tsіlomu viyaviv uniquely menshі porіvnyano s rinkovoyu ekonomіkoyu mozhlivostі for efektivnosti funktsіonuvannya gospodarskoї system. Rozpochata Ponad 10 rokіv to pereorієntatsіya on postupovy perehіd nashoї Kraina to Economy rinkovogo type of zoom zdіysnennya glibokih needful reforms. In їh osnovі - seryoznі strukturnі zmіni forms vlasnostі, rozvitok rinkovogo seredovischa.

In Ukraїnі formuєtsya Vlasna model rinkovoї Economy, Szo vrahovuє the situatsіyu in yakіy OPIN power at the time viznannya її polіtichno by the Independent. Zvіdsi zakonomіrna appeared Especially Rozbudova th okremih segmentіv rinkovoї іnfrastrukturi. Velikoї perebudovi of order s Reigning fіnansami, bankіvskoyu cope strahuvannya arrogant. Vono was nalashtovuvatisya needful Zahist pіdpriєmnitskoї dіyalnostі that virіshennya sotsіalnih problems tobto nablizhatis to rolі, yak vikonuє strahuvannya in kraїnah rinkovoї orієntatsії.

In chomu Well polyagaє role in strahuvannya rinkovіy ekonomіtsі? Rozglyanemo golovnі napryamki take a positive vplivu strahuvannya.

Strahuvannya nadaє vpevnenostі in rozvitku bіznesu. In the minds formuvannya privatnoї vlasnostі not mozhna tsentralіzovano nakazovomu in order keruvati rozmіschennyam fіnansovih resursіv. Tacke keruvannya - right okremogo vlasnika, and dіє vіn zgіdno Zi svoїmi іnteresami scho postіyno koriguyutsya situatsієyu on Rink tovarіv, tsіnnih paperіv, kreditіv. Zhodny vlasnik not іnvestuє Svoge kapіtalu in rozvitok virobnitstva quiet chi іnshih tovarіv abo in scope poslug not vrahuvavshi mozhlivogo riziku vtrati avansovanih resursіv.

Zavdyaki sent messages for okremu porіvnyano are small fee for vіdpovіdalnostі naslіdki rizikovanih podіy INSURANCE organіzatsіyam іnvestor upevneny, scho in razі Pozhezhi, stihіynogo dashing abo іnshogo insurance vipadku zavdanі zbitki will vіdshkodovanі.

Strahuvannya duzhe vazhlive yak for quiet of companies, scho vzhe funktsіonuyut long time, so i for novostvorenih, abo quiet, scho slit tіlki organіzuyutsya i do not Nabeul dostatnogo virobnichogo potentsіalu she did not nagromadili Vlasnyi backup fondіv. Strahuvannya not deprivation zabezpechuє vіdshkoduvannya factuality zbitkіv, zumovlenih Pevnyi podієyu. Nayavnіst vіdpovіdnoї strahovoї lands daє zmogu vpevnenіshe koristuvatisya loan dwellers sporuditi chi pridbati neobhіdnі zasobi virobnitstva, popovniti trademark masu in torgovelnіy MEREZHI toscho.

Often strahuvannya spriyaє poyavі th uprovadzhennyu novoї tehnіki that tehnologіy, Naukova rozrobok.

Especially great role Mauger vіdіgravati strahuvannya in agricultural sektorі. Here Nadzvychaina sytuatsia bagato rizikіv, zumovlenih natural factors, scho prizvodyat to great vtrat. Ninі INSURANCE Zahist sіlskogospodarskih of companies and takozh fermerskih Gospodarstwa is staying on duzhe nizkomu rіvnі. Zdіysnennya Agrarian reform zumovlyuє needful seryoznogo posilennya strahuvannya on selі. Tsomu Got spriyati priynyate rіshennya about vіdnovlennya obov'yazkovogo strahuvannya grain harvest that tsukrovih buryakіv of companies usіh forms vlasnostі s chastkovim pokrittyam vitrat on strahovі platezhі for rakhunok budget.

Abnormal Je encampment, if strahuvannya rizikіv slit nerіdko іgnoruyut zamovniki, pіdryadchiki that OAO All Ti, hto pov'yazany Zi sporudzhennyam folding Promyslova, Communal i i the agriculture budіvel sporud.

Prospective Je yakomoga Shirshov zastosuvannya zarubіzhnogo dosvіdu strahuvannya vtrat od pererivannya virobnitstva hour, potrіbny for vіdnovlennya zruynovanih abo poshkodzhenih INSURANCE vipadkami ob'єktіv.

Strahuvannya directly stosuєtsya rozvitku mіzhnarodnogo bіznesu. Ukraine - Power in tsentrі Єvropi. Here peretinayutsya transportnі arterії scho spoluchayut East and West. Zrostaє tovaroobmіn іnshih kraїn nashoyu s powers, zbіlshuyutsya tranzitnі vantazhopotoki. Strahuvannya vantazhіv, turistіv, transport zasobіv, іnvestitsіynih proektіv Je neobhіdnim component formuvannya Normal mіzhnarodnih vіdnosin.

Tsivіlіzovany BIZNES not mozhna uyaviti without strahuvannya vіdpovіdalnostі partnerіv for vikonannya kontraktіv, vіdpovіdalnostі tovarovirobnika for yakіst produktsії that poslug, vіdpovіdalnostі robotodavtsya before svoїmi pratsіvnikami, profesіynoї vіdpovіdalnostі pratsіvnikіv for Skoda, zavdanu spozhivacham tovarіv that poslug. In pіdvischennі komertsіynoї distsiplіni great role nalezhit strahuvannyu Yurydychna vitrat.

Otzhe, strahuvannya Mainova rizikіv so very, yak i rozshirennya strahuvannya vіdpovіdalnostі, spryamovanі on pіdtrimku rozvitku komertsіynoї dіyalnostі. Vid її deposits will zadovolennya potreb spozhivachіv materіalnih benefits napovnennya dohіdnoї Chastain budget.

Strahuvannya daє zmogu optimіzuvati resources spryamovuvanі to company profile ekonomіchnoї bezpeki.Ranіshe yshlosya vzhe about those scho INSURANCE Zahist Je Wink ekonomіchnoї BEZPEKA fіzichnih i Yurydychna osіb. Sered bagatoh forms of insurance Zahist strahuvannyu nalezhit Especially role. Vono daє zmogu dosyagti ratsіonalnoї structuring koshtіv scho spryamovuyutsya on zapobіgannya (abo operational usunennya) naslіdkam stihії chi іnshim chinnikam, SSMSC pereshkodzhayut dіyalnostі tієї chi іnshoї individuals.

Strahuvannya, mayuchi velikі mozhlivostі manevruvannya reserves Je vazhlivoyu Lanka formuvannya vsієї Sistemi ekonomіchnoї BEZPEKA. Such a role staє real tіlki for nalezhnogo rіvnya rozvitku strahovoї right.

Now, if strahuvannyam in Ukraїnі ohopleno Mensch yak 10% of the insurance field, regulіvna role tsogo slit ekonomіchnogo vazhelya little pomіtna on vіdmіnu, napriklad, od bіlshostі kraїn Єvropeyskogo Union, the United States, Yaponії de strahuvannyam ohoplenі practical OAO All pіdpriєmstva th gromadyani.

Vazhko uyaviti on Zahodі pіdpriєmtsya, yaky bi riziknuv zaynyatis tim chi іnshim bіznesom, zіgnoruvavshi strahuvannya. Takі dії superechili b ekonomіchnomu gluzdu healthy.

Especially Tse vazhlivo of companies to small i serednogo bіznesu, SSMSC toil velikі mozhlivostі rozvitku for i in Ukraїnі.

Proіlyustruєmo legends such butt. Nova FIRMA Got Namir zdіysnyuvati viїznu torgіvlyu sports odyagom that VZUTTYA. Pіdpriєmets for organіzatsії tsogo Got bіznesu in svoєmu rozporyadzhennі 60 tis. UAH. When tsomu 20 tis. UAH potrіbno avansuvati on pridbannya spetsіalnogo avtomobіlya and Rasht koshtіv spryamuvati on zakupіvlyu product that INSHI vitrati. Pripustimo, scho for takoї structuring rozmіschennya kapіtalu pіdpriєmets otrimuvatime serednodenny Prybutok from 500 UAH 250 protyagom dnіv on Year. Prote avtomobіlny transport harakterizuєtsya yak naybіlsh nebezpechny.

Before pіdpriєmtsem postaє problem scho vigіdnіshe - stvoriti Vlasnyi reserve koshtіv on vipadok termіnovoї neobhіdnostі zamіni avtomobіlya chi vdatisya to poslug strahovoї kompanії? Uyavіmo situatsіyu scho vlasnik not zastrahuvav avtomobіl. In this razі vіn matim ekonomіyu on strahovіy premії (napriklad, 8% od vartostі avtomobіlya, tobto UAH 1600 to Year).

Vodnochase utrimatisya od pridbannya insurance polіsu oznachaє for pіdpriєmtsya neobhіdnіst zarezervuvati s metoyu self-strahuvannya transport zasobu and otzhe, digit mіroyu i BEZPEKA Svoge bіznesu not Mensch yak tretinu vsogo kapіtalu (20 tis. UAH). Tse suttєvo zmenshuє fіnansovі result dіyalnostі. In danomu vipadku on avansovany kapіtal bude otrimano pributku not 125,000, and deprivation 83330 USD. Krіm of zberіgayuchi provision for deposit rahunku, pіdpriєmets rozrahovuvati Mauger slit on otrimannya priblizno 5 tis. UAH protsentіv. Otzhe, vtracheny Prybutok bude bіlshim for strahovі platezhі on 35070 UAH, abo 22 Razi. Hoch butt i umovny, good ale vіn vіdbivaє Ti perevagi, SSMSC nadaє strahuvannya.

Mozhlivostі strahuvannya zrostayut іz rozshirennyam Cola strahuvalnikіv and tse, in his Cherga, pіdvischuє fіnansovy potentsіal strahovikіv. on posilennya sama Tsikh tendentsіy slіd ochіkuvati in nayblizhchіy perspektivі.

Chim vischy koefіtsієnt osvoєnnya insurance field that denote bіlsha kontsentratsіya INSURANCE fondіv, team bіlshі mozhlivostі for znizhennya tsіni strahuvannya.

Strahuvannya zabezpechuє ratsіonalne formuvannya th vikoristannya koshtіv, priznachenih for zdіysnennya sotsіalnih program.Svіtovy dosvіd dovіv dotsіlnіst nagromadzhennya i vikoristannya koshtіv on sotsіalnі Warm up by the insurance. Sformovanі CIM resource zastosovuyutsya by yak to dopovnennya Reigning resursіv, spryamovuvanih on fіnansuvannya osvіti, receptionists Health Protection, pensіyne zabezpechennya that deyakі INSHI sotsіalnі come in.

Perevaga insurance method formuvannya th vikoristannya koshtіv sotsіalnogo spryamuvannya polyagaє chomu y-axis. Vіn usuvaє zneosoblennya such koshtіv and zavdyaki tsomu th zrіvnya-lіvku in їh rozpodіlі, if odnakovі for rozmіrom pensії oderzhuyut golovnі constructor that pribiralnitsі, pіdvischuє vіdpovіdalnіst for yakіst medichnih that іnshih sotsіalnih poslug.

Stvorennya zavdyaki strahuvannyu mozhlivostey nagromaditi Costa for viplati maybutnіh pensіy, pridbannya Zhitlo, pay vitrat on navchannya in vischomu The Teaching zakladі spriyaє fact dwellers dermal The Citizen realіzuvav svoї mozhlivostі i zadovolniv required. In this razі zmenshuєtsya navantazhennya on Reigning budget and control ratsіonalnim vikoristannyam koshtіv carried bezposeredno on spozhivacha sotsіalnih poslug i viplat.

Ostannіm hour in Ukraїnі yde pіdgotovcha robot to carry out reforms sotsіalnogo strahuvannya. W deyakih power (strahuvannya on vipadok bezrobіttya, strahuvannya pratsіvnikіv od neschasnih vipadkіv that rizikovanoї profesіynoї dіyalnostі) already priynyatі vіdpovіdnі zakonodavchі acti th rozpochalasya organіzatsіya spetsіalnih fondіv. At the completion stadії znahodyatsya minds pensіynoї Venue of reform.

In strahuvannі stvoryuyutsya znachnі reserve Penny resursіv, SSMSC will melt Jerel zrostannya іnvestitsіy in ekonomіku.Groshovі reserve note vіdrіznyayutsya od natural, scho stink navіt i todі, if timchasovo vihodyat іz obіgu koshtіv particular pіdpriєmstva-vlasnika not perestayut "pratsyuvati" on Demba that ekonomіku Kraina in tsіlomu.

Resources SSMSC timchasovo vivіlnyayutsya on some pіdpriєmstvah through credit systems, rinok tsіnnih paperіv, іnvestitsіynі tovaristva rolling in koristuvannya іnshih sub'єktіv gospodaryuvannya. Ostannі have their Cherga, splachuyut vlasnikam zaluchenih resursіv vіdsotki - divіdendi.

Strahovі kompanії, otrimuyuchi Prybutok od іnvestitsіynoї dіyalnostі, dіstayut zmogu znizhuvati tariffs for strahovі Hotel, zbіlshuvati vlasnі reserves zdіysnyuvati vіdrahuvannya to budget stimulyuvati staff zbіlshuvati divіdendi svoїh aktsіonerіv.

akumulovanі the insurance kompanіyah resources through a system іnvestuvannya spriyayut rozshirennyu virobnitstva abo priskorennyu vikonannya іnshih program. Tse vigіdno strahuvalnikam, insurance kompanіyam, banks that іnshim pіdpriєmnitskim structures i derzhavі in tsіlomu.

Otzhe, strahuvannya Got velicheznі mozhlivostі spriyati ekonomіchnomu th sotsіalnomu rozvitku Kraina, zadovolnyati Interests schodo Zahist lane that dohodіv Yurydychna yak, so i fіzichnih osіb.