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Strahuvannya - Osadets SS

4.3. Strategіya strahovoї kompanії

Golovnі peretvorennya in kraїnі spryamovanі on strukturnі zmіni vlasnostі forms. Tsі zmіni have their Cherga, zumovlyuyut vіdpovіdnu transformatsіyu forms її insurance Zahist. In pіdrozdіlі 1.1 іshlosya about nayavnіst ob'єktivnih peredumov for vihodu strahuvannya on Purshia plan in sistemі garantuvannya ekonomіchnoї BEZPEKA Yurydychna osіb i gromadyan in razі stihіynogo Lehigh neschasnogo vipadku that іnshih neperedbachuvanih obstavin.

Vazhlivogo values nabuvaє viroblennya strategії rozvitku strahovog of market analysis, i zokrema kozhnoї strahovoї kompanії.

In ekonomіtsі i sferі upravlіnnya strategіya whether yakoї organіzatsії - tse memo, usebіchny comprehensive plan, yaky Got zabezpechiti vikonannya її mіsії, tobto dosyagnennya golovnoї methylene її іsnuvannya. Schodo strahovikіv strategіya oznachaє the General Act reasonably programa kompanії, uzgodzhenu s bunt metoyu ostannoї. Vid stage obґruntovanostі obranoї strategії deposits uspіh kompanії.

Golovna meta, if won viznachena i scho Duzhe vazhlivo, dosyazhna, spriyaє pіdvischennyu efektivnostі kompanії robots. Meta, scho viplivaє іz zavischenoї otsіnki mozhlivostey organіzatsії, Mauger prizvesti to katastrofіchnih naslіdkіv.

In praktitsі insurance management is widely vikoristovuєtsya strategіya do updates. Vaughn peredbachaє bezperervny processes poshukіv i novih vprovadzhennya metodіv upravlіnnya, zorієntovanih on poslіdovne vdoskonalennya strahovoї right. Opratsyuvannya strategії Got vrahovuvati adaptatsіyu to zovnіshnogo seredovischa, vnutrіshnyu koordinatsіyu that organіzatsіyne peredbachennya. Tom strategіchnі prog potrіbno skladati dovolі gnuchkimi, abi at potrebі їh mozhna Bulo pereorієntuvati abo modifіkuvati.

Pid adaptatsієyu to zovnіshnogo seredovischa rozumіyutsya dії scho suprovodzhuyut pristosuvannya kompanії to novih spriyatlivih mozhlivostey rozvitku bіznesu and takozh to novih obmezhen, SSMSC vinikayut on tsomu high road. Take to uwagi yak zmіni in zakonodavstvі so i Interests potentsіynih strahuvalnikіv, poserednitskih structures kompanіy-konkurentіv that іnshih sub'єktіv insurance market analysis. Obviously, all scho tse potrebuє postіynogo Zborov that analіzu great obsyagu information The rozvitok Economy in tsіlomu i strahovoї the Branch zokrema, about rіznі markets Agricultural Art, is the Hotel INSHI chinniki.

Strategіchny plan kompanії Got Booty dovgostrokovim for metoyu dіyalnostі, ale dosit gnuchkim dosyagnennya methods for methylation. Priblizno kozhnі pіvroku yogo dotsіlno koriguvati fallow od zmіni dіlovih i sotsіalnih obstavin, analіzuyuchi dinamіku makroekonomіchnih pokaznikіv scho harakterizuyut Tempi ekonomіchnogo zrostannya (recession), rіven іnflyatsії that bezrobіttya, strukturnі zmіni in ekonomіtsі, minds opodatkuvannya Yurydychna i fіzichnih osіb toscho.

Zauvazhimo scho Sered for Change, SSMSC vіdbuvayutsya ninі in Ukraїnі, nayіstotnіshe vplinuti to share out strahovikіv mozhut takі.

Zdіysnennya privatizatsії Lane perevazhnoї bіlshostі of companies, scho ranіshe nalezhali to the sovereign sector Economy. Tse zumovlyuє pіdvischennya insurance іnteresu yak schodo Zahist lane, so i schodo strahuvannya vіdpovіdalnostі of companies. Potrіbno namagatisya ohopiti strahuvannyam riziki, nasampered, zasnovnikіv that aktsіonerіv kompanії. Tse spriyaє shvidshomu zapochatkuvannyu that away rozvitku strahovoї dіyalnostі, pіdvischuє dovіr'ya to new insurers, scho Duzhe yogo vazhlivo for zmіtsnennya pozitsії on the insurance market analysis.

Nova іdeologіya of the Pension zabezpechennya population. Reform tsіy spravі peredbachaє pobudovu trirіvnevoї of the Pension Systems of Jerel zabezpechennya. Chastina koshtіv formuvatimetsya for rakhunok vkladіv pratsyuyuchih gromadyan on pensіynі rahunki for minds of the Pension strahuvannya. Zaluchennya INSURANCE kompanіy to tsієї right, yak svіdchit zarubіzhny dosvіd, tsіlkom vipravdane.

Zmіni in Jerel Splat INSURANCE platezhіv. Teper i for dobrovіlnimi views strahuvannya lane of companies (vklyuchayuchi transportnі zasobi, vantazhі) strahovі premії dodayutsya to vitrat on virobnitstvo scho vіdpovіdno zmenshuє opodatkuvannya base. Tse uniquely pіdvischuє fіnansovі mozhlivostі of companies, zaohochuє їh to uchastі in strahuvannі. Vazhlive values ​​matim peredbachena Derzhavna dopomoga for rakhunok budgetary koshtіv in splatі INSURANCE premіy Zi strahuvannya grain crops i tsukrovih buryakіv in pіdpriєmstvah usіh vlasnostі forms. Zavdyaki tsomu chinniku obsyag INSURANCE poslug in sіlskomu gospodarstvі Mauger zrosti at USD 400-500 million.

Zrostannya rіvnya realnoї serednoї zarobіtnoї pay pratsyuyuchih. Tse zagalna tendentsіya, zgіdno s yakoyu population aktivnіshe zaluchaєtsya to strahuvannya Zhittya, od neschasnih vipadkіv, strahuvannya neruhomostі, transport zasobіv that household lane.

Suttєve znizhennya rіvnya іnflyatsії (at 2001 p. Won sklala 6.2%), scho spriyatime zmіtsnennyu Dovira strahuvalnikіv to realnostі vіdshkoduvannya zbitkіv. Prote from rules i contracts strahuvannya slіd neodmіnno peredbachiti mozhlivostі koriguvati Strakhov the bag that the bag platezhіv s look around at vіdhilennya realnoї vartostі are insured Lane vnaslіdok іnflyatsії (deflyatsії) groshovoї odinitsі.

Stan krimіnogennoї situatsії, Especially in mіstah scho generally produces up pіdvischennya rіvnya zbitkovostі for bagatma treaties. Zvazhayuchi on Taku tendentsіyu, brought koriguvati strahovі tariffs, vzhivati ​​once Zi strahuvalnikami th pravoohoronnimi authorities dodatkovih zapobіzhnih zahodіv schodo receptionists ob'єktіv strahuvannya. Vodnochase poshirennya pravdivoї information The rіven zlochinnostі Got spriyati perekonannyu vlasnikіv in neobhіdnostі strahuvati svoї maynovі Interests.

Zmіna order narahuvannya i vіdnesennya on vitrati amortizatsіynih vіdrahuvan on osnovnі zasobi. Priskorena depreciation prizvede to zbіlshennya Oscillations mіzh zalishkovoyu vartіstyu ob'єkta for balance pіdpriєmstva i yogo real vartіstyu. Tse potrіbno borrow up uwagi i in minds strahuvannya.

Ochіkuvane zbіlshennya Credit іnvestitsіy in pіdpriєmnitsku dіyalnіst. Tse potyagne yourselves, zokrema, rozshirennya masshtabіv vikoristannya INSURANCE poslug in chastinі strahuvannya Vaughn Lane od i stihіynogo Lehigh tehnіchnih rizikіv, lane, scho pid outpost oformlyaєtsya, strahuvannya vіdpovіdalnostі.

Aktivіzatsіya processes formuvannya ukrajins'koho Stock market. Rozvineny rinok tsіnnih paperіv Dusty zmogu insurers priskoriti sales Vlasnyi aktsіy, zaluchayuchi dodatkovy kapіtal to the statutory fund, and takozh operativnіshe virіshuvati power about іnvestuvannya timchasovo vіlnih koshtіv in tsіnnі Paper the i at potrebі, ostannіh sales. Rozvitok Stock market potyagne yourselves vprovadzhennya novih INSURANCE poslug.

Nayavna tendentsіya to stabіlіzatsії bankіvskoї oblіkovoї rates scho bezposeredno vplivaє manifested on zaoschadzhuvalnoї funktsії strahuvannya, zumovlyuє bіlshu peredbachuvanіst dohodіv strahovikіv od rozmіschennya depozitіv that viznachenіst deyakih іnshih parametrіv fіnansovoї dіyalnostі.

Ukraine Got Chauncey vstupiti to Vsesvіtnoї organіzatsії torgіvlі. Tse zabezpechit s Rostagno mozhlivostey vіtchiznyanih of companies schodo realіzatsії produktsії, Especially on eksport. Zvіdsi - spriyatlivіshі minds for rozshirennya strahuvannya eksportnih kreditіv, strahuvannya vіdpovіdalnostі tovarovirobnikіv for yakіst produktsії, strahuvannya vantazhіv that vіdpovіdalnostі vantazhoperevіznika, strahuvannya Yurydychna vitrat on rozglyad pretenzіy.

Stabіlіzatsіya ekonomіchnogo'm on bagatoh pіdpriєmstvah Dusty mozhlivіst postupovo perehoditi to strahuvannya vtrat to yakih mozhut prizvesti Pererva in virobnitstvі in razі nastannya stihіynogo dashing, technological avarіy abo іnshih INSURANCE podіy.

Introduced in regіonah novih strahovikіv, kotrі volodіyut lіtsenzіyami on analogіchnі Vidi INSURANCE poslug. Kompaniia Got retelno vivchati mozhlivostі svoїh konkurentіv i vіdpovіdno reaguvati pіdvischennyam of Quality svoїh poslug.

Dotsіlnіst zaluchennya to realіzatsії polіsіv INSURANCE poserednikіv. Strahovі CLIENTS th Agent spriyayut, yak usually zrostannyu kіlkostі dogovorіv i rozshirennyu geografії strahuvalnikіv and tse poznachaєtsya positive on the insurance nadhodzhennі premіy i formuvannі ratsіonalnoї structure of the insurance portfolio. Іsnuyut takozh velikі reserve zbіlshennya schodo sale of insurance through poslug place the bankіv i zv'yazku, transportnі organіzatsії.

Reinsurance rizikіv on oblіgatornih ambushes. Zi zrostannyam rіvnya kapіtalіzatsії strahovikіv stink zmozhut suttєvo zbіlshuvati rozmіr INSURANCE zobov'yazan on Vlasnyi utrimannі. Ale th nadalі іsnuvatime require great in perestrahuvannі rizikіv. Tom potrіbno retelno dіbrati perestrahovikіv i s uklasti them vіdpovіdnі land. Prospective napryamkom rozvitku vnutrіshnogo Rinku strahuvannya Je stvorennya regіonalnih i spetsіalіzovanih INSURANCE pulіv.

Posilennya spіlkuvannya s potentsіynimi strahuvalnikami nadannyam їm rіznih konsultatsіy s rizik-management, strahuvannya rizikіv that іnshih power scho not vihodyat for mezhі statutnoї dіyalnostі kompanії.

Mozhlivostі tіsnіshoї vzaєmodії s mіstsevimi authorities Vladi. Tsі stosunki mozhut viyavlyatisya in vzaєmnomu namagannі rozslіduvati cause of the insurance podіy, polіpshiti minds for rozmіschennya ofіsu kompanії, advertising materіalіv, fіnansuvati for rakhunok koshtіv insurers deyakі zapobіzhnі come in, kupuvati tsіnnі Paper the scho їh emіtuyut mіstsevі admіnіstratsії, i t. Іn.

Otzhe, Derzhavna polіtika, spryamovana on privatizatsіyu, reform of the Pension zabezpechennya that medichnogo obslugovuvannya population zaluchennya vnutrіshnіh i zovnіshnіh іnvestitsіy, zdіysnennya protiіnflyatsіynih zahodіv, ratsіonalіzatsіya opodatkuvannya yak strahuvalnikіv so i strahovikіv, uporyadkuvannya vіdsotkovih rates, exchange kursіv, nalagodzhennya fіnansovogo control zabezpechuє seryoznі peredumovi for aktivіzatsії strahovoї dіyalnostі. Strategіya kozhnoї konkretnoї kompanії polyagaє in fact dwellers maximum skoristatisya tsimi mozhlivostyami. Vodnochase toil Buti svoєchasno vrahovanі th chinniki, scho robot uskladnyuyut strahovikіv.

Proanalіzuvavshi on tsomu tlі pozitivnі that negativnі zmіni in the minds dіyalnostі insurers, dotsіlno Know vіdpovіdі on takі zapitannya:

• Chi Mauger kompaniia nadavati svoї Hotel for tsіnami, such abo nizhchimi themselves, yak competitors (Yakscho ni, the scho tsomu zavazhaє);
• yaky Got kompaniia access to strahuvalnikіv. Shcho zavazhaє їy rozshiryuvati colo svoїh prihilnikіv;
• chi Got kompaniia nalezhny personnel operativnoї pereorієntatsії robot on novі that markets Agricultural Art Hotel;
• scho neobhіdno for posilennya motivatsії pratsіvnikіv maintained upstream to vikonannya mіsії kompanії?

Practice upravlіnnya virobila low zagalnih pіdhodіv schodo strategіchnogo planuvannya. Rozglyanemo їh.

Zagalna strategіya kompanії vіdpratsovuєtsya GROUP ekspertіv i Got Booty skhvalena vischim kerіvnitstvom slit to zdіysnennya Perche іnvestitsіy.

Set realistic meta prior kompanієyu, viznachayutsya Etap її dosyagnennya i way to monitor the progress of vikonannya zavdan.

Viznachaєtsya colo fahіvtsіv, SSMSC obіymatimut klyuchovі planted. Produmuєtsya system is the set of profesіynoї pіdgotovki staff. Bagato kompanіy koristuyutsya with such a the scheme of pobudovi strategії:

• zagalnі position;
• perіod on yaky rozrahovana strategіya;
• strategіchnі orієntiri: maybutnya role i zavdannya kompanії;
• analіz i otsіnyuvannya encampments kompanіy: Competitive pozitsіya, stosunki Zi strahuvalnikami, fіnansovy camp;
• viznachennya prіoritetіv: novі strahovі Hotel, novі strahuvalniki, doskonalіshі toscho marketing techniques.
• rozrahunok kіntsevih fіnansovih rezultatіv.

Nadzvychaina sytuatsia vazhlive values for efektivnoї realіzatsії strategії insurers Got BIZNES plan. Yogo meta - konkretizuvati dіyalnіst kompanії on nayblizhchu term (3-5 rokіv) zgіdno s require market analysis mozhlivostyami mobіlіzatsії i for tsogo vіdpovіdnih resursіv. At sorry i dosі BIZNES plans from insurance kompanіyah slit not posіli nalezhnogo Georeferencing. Nerіdko about them zgaduyut deprivation pid hour reєstratsії INSURANCE kompanіy. Mіnіsterstvo fіnansіv vimagaє filed s tsogo drive ekonomіchnogo obґruntuvannya kompanії, yak mіstit duzhe obmezheny perelіk pokaznikіv and the Same: Vidi strahuvannya, Quantity dogovorіv strahuvannya, insurance scrip, strahovі platezhі, strahovі vіdshkoduvannya, vіdrahuvannya to rezervіv, vitrati of doing right, Prybutok od strahovoї dіyalnostі .

Zvіsno scho tsogo Zaman, Abi BIZNES plan dopomagav strahovikovі virіshiti takі problem:

• viznachiti konkretnі napryamki dіyalnostі kompanії, tsіlovі markets Agricultural Art i svoє Location on them;
• sformulyuvati the Chastain strategії kompanії (i tactics її dosyagnennya), yak pripadaє on perіod dії BIZNES plan;
• viyaviti vіdpovіdnіst nayavnih kadrіv kompanії, minds motivatsії їhnoї pratsі vimogam dosyagnennya postavlenoї methylene;
• otsіniti fіnansovy camp kompanії s Look mozhlivostey realіzatsії її mіsії;
• peredbachiti mozhlivі pereshkodi on the high road to methylation.

For nayavnostі competently triptych BIZNES plan kerіvniki toil zmogu doskonalo vivchati PERSPECTIVE rozvitku kompanії, koordinuvati zusillya, spryamovanі on dosyagnennya methylene, viznachati pokaznikіv system for monitoring the neobhіdnih dіyalnіstyu kompanії, gotuvati kompanіyu to mozhlivih Change log in rinkovіy situatsії, chіtko formulyuvati obov'yazki vіdpovіdalnih osіb. BIZNES plan daє vіdpovіd on zapitannya about those yaky kapіtal potrіbny for rozvitku kompanії zgіdno s viznachenoyu metoyu i yak yogo ochіkuєtsya efektivnіst vikoristannya.

Here perelіchenі deprivation deyakі s quiet pozitsіy, SSMSC slіd uzyati to uwagi, abo opratsovuyuchi nova koriguyuchi nayavnu strategіyu dіyalnostі strahovoї kompanії. Location digit Got Booty vіdvedene formuvannyu ratsіonalnoї kompanії structuring, resource її zabezpechennyu, kadrovіy polіtitsі, motivatsії that control. Tsі that INSHI aspects strategії dіyalnostі kompanії rozglyadayutsya in tsomu rozdіlі Dali.

Vazhlivo, dwellers manager vsіh rіvnіv boule good i Zi svoєchasno oznayomlenі strategіchnoyu lіnієyu that prіoritetami kompanії. Same od them іstotno deposits, chi zoseredyatsya zusillya pratsіvnikіv on dosyagnennі methylene kompanії. In the minds transition to rinkovih vіdnosin BIZNES plan Got Booty access in all kompanіyah i rozglyadatis yak main documents scho viznachaє strategіyu dіyalnostі kozhnoї s them to specific perіod.

Svіtovy dosvіd pokazuє scho zhodna, navіt visokorozvinena, Krayina not Mauger not zaznavati tsiklіchnih pіdyomіv spadіv i have ekonomіtsі. Not OAO All pіdpriєmnitskі structuring odnakovo vіdchuvayut tsі Oscillations. Vigrayut Ti, hto vmіє prognozuvati situatsіyu svoїmi reasonableness i th operational dіyami povertati right side of the maintained upstream.