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Strahuvannya - Osadets SS

4.7. Ob'єdnannya strahovikіv that їhnі funktsії

In bagatoh kraїnah svitu insurers stvoryuyut svoї profesіynі ob'єdnannya (asotsіatsії) SSMSC constitute for Meta zahischati th obstoyuvati Interests svoїh chlenіv, vzhivati ​​pogodzhenih zahodіv in razі, if Tsikh іnteresіv torknutsya dії abo namіri organіv Vladi, spіvrobіtnichati s whether Yakim іnshim about ' єdnannyam, scho Got sporіdneny napryamok dіyalnostі.

The result pershoї lands mіzh insurers vvazhayut utvorennya in 1791 rotsі Union Londonskih tovaristv strahuvannya od Vaughn.

For svoїm status ob'єdnannya strahovikіv not povinnі zdіysnyuvati komertsіynu dіyalnіst.

For kraїn іz rozvinenim INSURANCE Rink namіtilasya tendentsіya to zlittya drіbnih i serednіh ob'єdnan strahovikіv.

W 1985 roku efektivnosti pratsyuє Asotsіatsіya britanskih strahovikіv (ABS), yak vinikla vnaslіdok zlittya kіlkoh organіzatsіy. Blizko 440 kompanіy scho ohoplyuyut 95% vsogo insurance bіznesu Kraina actively pіdtrimuyut qiu asotsіatsіyu. ABS put in front of him zavdannya pіdvischiti rіven suspіlnogo usvіdomlennya Georeferencing strahuvannya in ekonomіchnіy i sotsіalnіy strukturі Velikoї Britanії. Tse in the I kraїnі, insurance BIZNES yakoї rozvineny Nadzvychaina sytuatsia! In shtatі ABS nalіchuєtsya Ponad 270 ekspertіv, konsultantіv that іnshih visokokvalіfіkovanih fahіvtsіv. Krіm ABS, then slit dіє bagato іnshih ob'єdnan strahovikіv i їhnіh poserednikіv.

Takі ob'єdnannya uspіshno funktsіonuyut i in the powers іnshih - Member Єvropeyskogo Union. Ostannіmi rokami strahovі ob'єdnannya sformuvalisya i bіlshostі kraїn in LICs.

W cob formuvannya insurance market analysis in Ukraїnі Postal require koordinuvati dії strahovikіv bagatoh s power scho stanovlyat spіlny іnteres. Insurers mozhut stvoryuvati spіlki, asotsіatsії that INSHI ob'єdnannya for koordinatsії svoєї dіyalnostі, Zahist іnteresіv svoїh chlenіv that vikonannya spіlnih program, Yakscho їh utvorennya not superechit chinnomu zakonodavstvu.

Naybіlshim ob'єdnannyam vіtchiznyanih strahovikіv Je INSURANCE organіzatsіy League of the Ukraine (LIOU). Vaughn dіє on the principles dobrovіlnostі i samoupravlіnnya. Tse Square nekomertsіyna organіzatsіya. LIOU Je Yurydychna individuals.

League of the Got in svoєmu skladі Ponad 100 chlenіv - Insurance organіzatsіy, ale not Je schodo them vischoyu organіzatsієyu. Rіshennya Lіgi toil rekomendatsіy character. Vaughn did not Nese vіdpovіdalnostі for zobov'yazannyami svoїh chlenіv.

Golovnі zavdannya LIOU takі: spriyati opratsyuvannyu rekomendatsіy s metodologії strahuvannya; Offers gotuvati s power vdoskonalennya zakonodavstva insurance; Braty fate in ekspertnomu otsіnyuvannі proektіv normative aktіv, programs that іnshih dokumentіv at the Branch strahuvannya. W tsієyu metoyu target number komіsіy, SSMSC pratsyuyut over pіdgotovkoyu vіdpovіdnih propozitsіy. Pevnyi uwagi pridіlyaєtsya pіdvischennyu kvalіfіkatsії kadrіv for chlenіv Lіgi scho spriyaє formuvannyu rozvinenoї іnfrastrukturi insurance market analysis in Ukraїnі.

The great significance of LIOU nadaє Zahist іnteresіv svoїh chlenіv have Reigning i Gromadska organіzatsіyah.

Zgіdno Zi svoєyu metoyu League of the conduct konferentsії, semіnari that INSHI come in NAUKOVO-practical nature, organіzovuє obmіn dosvіdom Sered svoїh chlenіv and takozh spriyaє oznayomlennyu їh іz practicality Nagybanya strahovikіv іnshih kraїn, vikoristovuyuchi for tsogo rіznі zasobi Informácie, in addition chislі th mozhlivostі Vlasnyi server (www.uainsur.com). In LIOU the rights of individuals yuridichnoї pratsyuє The Teaching-іnformatsіyny center.

Vischim body upravlіnnya Je z'їzd chlenіv LIOU. Vіn sklikaєtsya pravlіnnyam Lіgi not rіdshe yak once on the Year. Z'їzd vvazhaєtsya povnovazhnim, Yakscho on nomu prisutnі not Mensch nіzh half chlenіv Lіgi. Z'їzd Mauger rozglyadati whether SSMSC power scho stosuyutsya dіyalnostі Lіgi. Before viklyuchnoї kompetentsії z'їzdu nalezhat zatverdzhennya Statute Lіgi i made before Demba dopovnen Change log i, i obrannya vіdklikannya chlenіv pravlіnnya, revіzіynoї komіsії and takozh at potrebі - pripinennya dіyalnostі Lіgi.

In perіod mіzh zagalnimi Zborov kerіvnitstvo robots Lіgi pokladaєtsya on pravlіnnya. Vono priymaє rіshennya s usіh power, krіm quiet, scho bezposeredno nalezhat to kompetentsії z'їzdu. The members of pravlіnnya pratsyuyut in Lіzі on Gromadska ambushes. povsyakdenne kerіvnitstvo robots Lіgi very hard on the president that vikonavchu direktsіyu on cholі s CEO.

League of the utrimuєtsya for rakhunok vneskіv svoїh chlenіv, kriterії viznachennya yakih zatverdzhuyutsya zagalnimi Zborov її chlenіv. Infect vneski diferentsіyovano fallow od sumi INSURANCE premіy, otrimanih particular member of LIOU. Krіm, the League of the Mauger otrimuvati revenues od navchalnoї, konsultatsіynoї, vidavnichoї dіyalnostі and takozh od vіdsotkіv for zberіgannya koshtіv rahunkah on at the bank.

League of the samostіyno planuє dіyalnіst that his prospects of viznachaє rozvitku fallow od potreb insurance market analysis, zrostannya pributkіv її chlenіv.

Zaznachimo, scho for ostannі Rocky LIOU seryozno pіdvischila svіy іmіdzh. Naslіdkami її robots practical koristuyutsya OAO All insurers against Sered chlenіv Lіgi ofіtsіyno perebuvayut deprivation Mensch yak half. W look around to dosvіd susіdіv, zokrema Polschі, Varto Bulo b zakonodavcho viznachiti obov'yazkovіst membership in LIOU vsіh strahovikіv i dozvoliti vіdnositi chlenskі vneski on vitrati kompanіy s Keeping strahovoї right.

LIOU Mauger stvoryuvati fіlії, vіddіlennya, predstavnitstva.

Neschodavno zareєstrovano Asotsіatsіyu profesіynih INSURANCE poserednikіv Ukraine. Її zavdannya - stvoryuvati normalnі minds for rozvitku brokerskoї that agentskoї dіyalnostі in strahuvannі. Without such poserednikіv strahuvalnikam i insurers vazhko realіzuvati svoї Interests. Prote Quantity chlenіv CRR slit Nadto small (in 2001 kіnets rock - 18 chlenіv). Zavazhayut deyakі zakonodavchі neuzgodzhennya, nedovіra strahuvalnikіv that strahovikіv to tsogo for new nashogo suspіlstva іnstitutu. Mіzh note svіtovy dosvіd pokazuє scho nalezhnim rank pіdgotovlenі CLIENTS zdatnі suttєvo spriyati integrated upravlіnnyu rizikami klієnta, vklyuchayuchi zdіysnennya dogovіrnogo processes schodo insurance zabezpechennya rizikіv, Sanitary and Epidemiological rizikіv that nadannya Relief in otrimannі fair INSURANCE viplat.

Target Avіatsіyne i Morske strahovі Bureau. They are very hard funktsії koordinatsії zusil kompanіy, SSMSC zdіysnyuyut vіdpovіdnі Vidi strahuvannya, spryamovanі on reinsurance company profile rizikіv, opratsyuvannya methodical zabezpechennya strahovikіv. Takі ob'єdnannya toil spriyati zbіlshennyu vnutrіshnogo market analysis in Tsikh kinds strahuvannya, bіlsh obґruntovanomu rozmіschennyu rizikіv, zmіtsnennyu fіnansovoї nadіynostі strahovikіv, opratsyuvannyu time іz zatsіkavlenimi vіdomstvami Sistemi zahodіv schodo zmenshennya avіatsіynih that morskih suitability.

Zgіdno іz law strahovі ob'єdnannya, yak already zaznachalosya not mozhut zdіysnyuvati Strakhov dіyalnіst. Vinyatok ninі becoming Motor (Transport) Insurance Bureau of Ukraine (MTIBU), yak Hoca bezposeredno not prodaє strahovі Hotel, ale at viznachenih zakonodavstvom vipadkah zdіysnyuє strahovі viplati for rakhunok tsentralіzovanih INSURANCE fondіv.

MTIBU 1994 target rock. Now a member of MTIBU Je Ponad 70 INSURANCE kompanіy.

Osnovnі zavdannya ob'єdnannya takі:

  • garantuvannya platospromozhnostі strahovikіv - chlenіv MTIBU schodo INSURANCE zobov'yazan іz zaznachenogo strahuvannya mind;
  • ukladennya lands s upovnovazhenimi organіzatsіyami іnshih kraїn about vzaєmne viznannya dogovorіv on strahuvannya tsivіlnoї vіdpovіdalnostі vlasnikіv the agriculture zasobіv that vregulyuvannya power schodo vіdshkoduvannya vtrat i zabezpechennya viplat insurance vіdshkoduvannya postrazhdalim tretіm personages;
  • upravlіnnya tsentralіzovanimi Insurance Reserve Funds;
  • zabezpechennya polіsіv forms;
  • viplata kompensatsіy in razі zapodіyannya Skoda vodіyami, lady yakih not z'yasovano and takozh vodіyami-іnvalіdami, kotrі ekspluatuyut spetsіalno obladnanі avtomobіlі.

Іstotno zrosla role MTIBU pіslya chervnya 1997 roku, if Bulo priynyato up Ukraine to Mіzhnarodnoї system "Zelena kartka".

In MTIBU stvorenі Funds Insurance garantіy, scho Got zabezpechuvati platospromozhnіst Bureau of Motor pid hour vzaєmorozrahunkіv s іnozemnimi partners ta Zahist poterpіlih fund priznacheny for rozrahunkіv іz tretіmi personages have vipadkah, zumovlenih chinnim zakonodavstvom. Costa Tsikh fondіv rozmіschuyutsya s urahuvannyam bezpechnostі, pributkovostі that lіkvіdnostі.

One s dobrovіlnih forms of insurance ob'єdnan - strahovі bullet (SP), SSMSC Je Yurydychna not individuals. Pong stvoryuyutsya insurers, dwellers zabezpechiti fіnansovu stabіlnіst INSURANCE operatsіy on the minds solіdarnoї vіdpovіdalnostі uchasnikіv pool for vikonannya zobov'yazan zgіdno s treaties strahuvannya, ukladenimi s uchasnikami pool. In Ukraїnі vzhe pratsyuє kіlka INSURANCE pulіv. Dokladnіsha іnformatsіya about dіyalnіst INSURANCE pulіv mіstitsya in rozdіlі 17.5.



 
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