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Strahuvannya - Osadets SS

Rozdіl 7. Reigning REGULYUVANNYA STRAHOVOЇ DІYALNOSTІ

7.1. Legal zabezpechennya strahuvannya

Legal zabezpechennya strahuvannya stanovlyat uhvalyuvanі zakonodavchі that normativnі acti scho regulyuyut Strakhov dіyalnіst yak at tsіlomu, so i for okremimi її napryamkami.

The system of legal regulyuvannya strahovoї dіyalnostі mіstit norms viznachenі:

• Konstitutsієyu Ukraine;
• mіzhnarodnimi land, SSMSC pіdpisala th ratifіkuvala UKRAINE;
• Tsivіlnim Code of Ukraine;
• Laws RESOLVED that Verkhovna Rada of Ukraine;
• Decrees of the President of Ukraine is the rozporyadzhennyami;
• decree, ruling that rozporyadzhennyami Uryadov Ukraine;
• normative acts (іnstruktsії, procedures, regulations, mandates) kotrі uhvaleno mіnіsterstvami, vіdomstvami, central authorities vikonavchoї Vladi that zareєstrovano Mіnіsterstvі yustitsії in Ukraine;
• regulations of, yaky zgіdno іz zakonodavstvom Ukraine zdіysnyuє perspicuity of insurance dіyalnіstyu;
• normative acts organіv mіstsevoї vikonavchoї Vladi at vipadkah, if okremі power regulyuvannya strahovoї dіyalnostі Bulo delegovano CIM authorities for rіshennyam abo Uryadov President of Ukraine;
• okremimi normative acts kolishnogo Radyans'ka Union that URSR, SSMSC not Bulo vіdmіneno zakonodavstvom nezalezhnoї Ukraine.

Konstitutsіya Ukraine, uhvalena 28 chervnya 1996 roku, viznachila scho viklyuchno laws of Ukraine vstanovlyuyutsya Ambush stvorennya th funktsіonuvannya fіnansovogo market analysis (statte 92) and Kabіnet Mіnіstrіv Ukraine zabezpechuє zdіysnennya fіnansovoї polіtiki (statte 116). Otzhe, Konstitutsіya Ukraine vstanovila zagalnі provisions of the legal regulyuvannya fіnansovoї polіtiki, odnієyu Zi warehouses yakoї Je zabezpechennya rozrahunku strahovoї right.

Zakonodavche regulyuvannya strahovoї dіyalnostі in Ukraїnі Got Pevnyi іstorichnu spetsifіku, yak vіdchutno poznachaєtsya on vsіy sistemі legal zabezpechennya.

In kolishnomu Radyans'ka Soyuzі not Bulo basic law yaky bi regulyuvav order zdіysnennya strahovoї dіyalnostі. Oskіlki Strakhov dіyalnіst zdіysnyuvali viklyuchno place the Derzhstrahu that Іnderzhstrahu, scho mali not povnіstyu samostіynogo status, it does not require Bulo viznachati zakonodavchі normalized stosovno rights that obov'yazkіv Tsikh sub'єktіv. Okremі aspects strahovoї dіyalnostі regulyuvalisya RESOLVED that the CC CPSS For Mіnіstrіv CPCP, regulations Derzhstrahu CPCP that Ukrderzhstrahu.

Protyagom 1992-1993 rokіv in bіlshostі Square powers kotrі utvorilisya pіslya rozpadu kolishnogo CPCP, Bulo uhvaleno zakonodavchі acti s power strahuvannya.

Ulіtku 1992 rock Ukrderzhstrah for participation provіdnih INSURANCE kompanіy, utvorenih in perіod rokіv 1990-1992 by submitting to Kabіnetu Mіnіstrіv Purshia Ukraine a draft law "On strahuvannya" spryamovany on uzgodzhennya pozitsіy kіlkoh prichetnih to strahovoї Spravi mіnіsterstv i vіdomstv. In 1992 grudnі rock Tsei project pіslya uzgodzhennya re Bulo made on rozglyad Kabіnetu Mіnіstrіv Ukraine. Oskіlki zgіdno s rіshennyam Verkhovna Rada of Ukraine in Tsey perіod Uryadov dіstav right vidavati decree SSMSC Mali status zakonіv, zaznacheny project yak Bulo priynyato travnі decree in 1993 roku.

Decree Kabіnetu Mіnіstrіv Ukraine "About strahuvannya" becoming basic factuality Perche zakonodavchim act yaky zabezpechiv systemic legal regulyuvannya strahovoї dіyalnostі. Tsey Decree viznachiv bazovі termіni th ponyattya, pov'yazanі Zi dіyalnіstyu of insurance (the insurance poslug Rink).

Decree "On strahuvannya" mіg rozglyadatisya deprivation yak promіzhny zakonodavchy act. HEAD nedolіk polyagav yogo in fact, there scho Bulo zrobleno sprobu poєdnati superechlivі status: s one side, "derzhstrahovі" principle zdіysnennya strahovoї dіyalnostі scho bazuvalisya for planned admіnіstrativnіy ekonomіtsі and s іnshogo - Principles strahuvannya minds in market analysis. Napriklad, Decree peredbachav zdіysnennya INSURANCE INSURANCE viplat for rakhunok rezervіv scho vіdpovіdalo rinkovim principles, not viznachayuchi fіnansovogo mehanіzmu formuvannya Tsikh rezervіv, i Sotho admіnіstrativno obmezhuvav pererahovuvannya rezervіv to 50% of insurance platezhіv. Okrіm of Decree nadlіberalno zaboronyav derzhavі vtruchatisya in dіyalnіst INSURANCE organіzatsіy and vodnochase viznachav Reigning body vіdpovіdalny the camp rozvitku insurance market analysis. Bulo superechnostey of I such a lot.

Otzhe, s rozvitkom rinkovoї Economy in Ukraїnі Postal require uhvaliti Novi zakonodavchy act yaky bi povnіstyu vregulovuvav ponyatіyny aparata yak, so i order zdіysnennya strahovoї dіyalnostі (long-zastosovuvany in rozvinenih kraїnah).

6 Bereznev 1996 rock Verkhovna Rada of Ukraine uhvalila Law of Ukraine "About strahuvannya" (Dali - the Law), to yakogo 4.10.2001 p. Supreme Radoyu made zmіni that dopovnennya. Vіn Je bunt zakonodavchim act in the Branch in tsіy nashіy derzhavі.

Law of Ukraine "About strahuvannya" Got 5 main rozdіlіv.

In Persha rozdіlі vstanovlyuєtsya bunt ponyatіyno-termіnologіchny aparata: viznachayutsya takі bazovі ponyattya, yak strahuvannya, insurers, strahuvalniki, ob'єkti i Vidi strahuvannya, forms strahuvannya, strahovі riziki i strahovі vipadki, insurance scrip, insurance vіdshkoduvannya, strahovі platezhі i tariffs, spіvstrahuvannya , reinsurance, ob'єdnannya strahovikіv, strahovі agents that strahovі CLIENTS i deyakі INSHI.

Central Location in tsomu rozdіlі posіdayut norm, scho viznachayut vimogi to insurers pid hour yogo stvorennya that reєstratsії and takozh order zdіysnennya obov'yazkovogo strahuvannya. Zokrema, CIM Law in Ukraїnі vstanovlyuєtsya mehanіzm Especially, if Vidi obov'yazkovogo strahuvannya mozhut viznachatisya deprivation CIM law, not іnshimi zakonodavchimi aktami.Pri tsomu Kabіnetovі Mіnіstrіv Ukraine nadaєtsya right regulyuvati procedure for holding the skin mean obov'yazkovogo strahuvannya for minds, scho Tsei view peredbacheno Law.

Other rozdіl Law regulyuє CONDUCT OF strahuvannya: viznachaє vimogi to dogovorіv that rules strahuvannya th vіdpovіdnoї currency, ustanovlyuє obov'yazki strahovikіv strahuvalnikіv i have kozhnіy konkretnіy situatsії. Vazhlivіst zakonodavchih rules peredbachenih CIM rozdіlom, polyagaє in fact, scho stink s Maximum povnotoyu vіdbivayut osoblivostі dogovіrnih vіdnosin, rights that have obov'yazkіv storіn sferі strahuvannya. Factuality konkretizuyutsya zagalnі normalized tsivіlnogo rights from tsіy sferі.

Tretіy rozdіl viznachaє minds zabezpechennya platospromozhnostі strahovikіv i Got duzhe vazhlive values. Same here podaєtsya fіnansovy mehanіzm zdіysnennya strahovoї dіyalnostі, ustanovlyuyutsya pevnі obmezhennya schodo mozhlivostі of acceptance zobov'yazan i viznachayutsya zagalnі fun- insurers audit. Vazhlivimi statte tsogo rozdіlu Je Ti, just past de formuvannya about the order that the insurance Vidi rezervіv tehnіchnih yak, so i Zi strahuvannya Zhittya. A number of articles regulyuє power scho stosuyutsya stvorennya garantіynih fondіv, order oblіku that zvіtnostі.

Chetvertyy rozdіl viznachaє fun- lucid sovereign over insurance dіyalnіstyu. Tsim rozdіlom viznacheno body scho Reigning zdіysnyuє perspicuity of insurance dіyalnіstyu (infections qiu robot vikonuє Mіnіsterstvo fіnansіv Ukraine), i yogo vstanovleno rights that funktsії. In tsomu rozdіlі imposed order lіtsenzuvannya strahovoї dіyalnostі scho zabezpechuє legal regulyuvannya robots strahovikіv on the insurance market analysis. Law konkretizuє, zokrema, osoblivostі lіkvіdatsії, reorganіzatsії that sanatsії strahovikіv scho daє zmogu kontrolyuvati їh pіslya of yak stink pripinyat his dіyalnіst.

Zavershalny, p'yaty, rozdіl peredbachaє regulyuvannya such zagalnih momentіv, yak urahuvannya mіzhnarodnogo law, the procedure is the Etap zastosuvannya Pevnyi standards i t. Іn.

Koli Act Bulo priynyato, Uryadov uprovadiv low pіdzakonnih aktіv, zokrema The setting i rozporyadzhen scho regulyuyut okremі power zdіysnennya strahovoї dіyalnostі.

So, okremoyu Holds Uryadov viznacheno order regulyuvannya Sistemi reinsurance in Ukraїnі. Zokrema, peredbachaєtsya scho insurer, in a non-resident perestrahovuyuchi svoї zobov'yazannya, Got zvazhati on pevnі obmezhennya and the Same: vіn Mauger zdіysnyuvati TAKE deprivation of reinsurance in the non-resident nayavnostі lіtsenzії od Svoge body vіtchiznyanogo insurance obvious, for vіdsutnostі torn down protyagom Pevnyi that hour in razі vikonannya low іnshih vimog.

Priynyato takozh Holds Uryadov stosovno legal regulyuvannya dіyalnostі poserednikіv - brokerіv that agentіv on the insurance market analysis. Nasampered peredbachayutsya pevnі vimogi schodo reєstratsії brokerіv, obmezhennya dіyalnostі poserednikіv, zokrema schodo mozhlivostі Priya koshtіv strahuvalnika on Vlasnyi rakhunok, termіnіv ukladannya contract strahuvannya s side poserednikіv, deyakih іnshih momentіv.

Okremoyu Holds Uryadov viznacheno osoblivostі funktsіonuvannya tovaristv vzaєmnogo strahuvannya.

Holds Uryadov regulyuєtsya order zdіysnennya skin obov'yazkovogo strahuvannya mind. Okremoyu Holds viznachayutsya granichnі rozmіri vitrat of doing the right razі zdіysnennya obov'yazkovogo strahuvannya and takozh regulyuyutsya power schodo stvorennya Reigning i natsіonalnih INSURANCE kompanіy that obov'yazkovih ob'єdnan strahovikіv.

Rozporyadzhennyami Uryadov schodo podayutsya okremі doruchennya Venue of eksperimentіv at the Branch strahuvannya. W Relief rozporyadzhen mozhut virіshuvatisya th okremі power regulyuvannya tarifіv, dogovorіv toscho minds, if not tse superechit laws of Ukraine.

Normative acts mіnіsterstv i vіdomstv - іnstruktsіyami, regulations, procedures, judgment, scho reєstruyutsya in Mіnіsterstvі yustitsії, detalіzuyutsya Ti Chi INSHI zakonodavchі norms. Tse peredusіm stosuєtsya quiet power, SSMSC nalezhat to spherical regulyuvannya kіlkoh vіdomstv. Napriklad such acts regulyuєtsya CONDUCT OF BUSINESS buhgalterskoї that statistichnoї zvіtnostі strahovikіv, zdіysnennya s side Mitnija abo pravoohoronnih organіv spіlnogo fіnansovogo that insurance is visual. Іnodі such acts zatverdzhuyutsya techniques rozrahunku INSURANCE tarifіv. Spіlnimi acts vstanovlyuєtsya th order reєstratsії strahovikіv in sistemі rіznih vіdomstv.

Normativnі acti scho їh vidaє body upovnovazheny zdіysnyuvati control over insurance dіyalnіstyu, Je obov'yazkovimi for strahovikіv. Tsimi acts (by orders, rozporyadzhennyami, rіshennyami kolegії) ustanovlyuyutsya on au-Perche, schodo іnstruktsії that technique zdіysnennya okremih vidіv dіyalnostі; In another way, come on vplivu strahovikіv for viyavlenі torn down - pripisi, zupinki, obmezhennya that vіdklikannya lіtsenzії; in tretє, vimogi to zvіtnostі th oblіku; on-quarter, the order reєstratsії, lіtsenzuvannya, viluchennya s reєstru, lіkvіdatsії that reorganіzatsії; in p'yate, order zdіysnennya navchannya, pіdgotovki that perepіdgotovki kadrіv for the insurance market analysis.

So, to nayvazhlivіshih chinnih normative aktіv kolishnogo Ukrstrahnaglyadu nalezhat Technique rozrahunku rezervіv in razі strahuvannya Zhittya, іnstruktsіya s lіtsenzuvannya strahovikіv, the provisions about fіlії that vіdokremlenі predstavnitstva strahovikіv, the provisions of s regulyuvannya rozmіschennya INSURANCE rezervіv that deyakі INSHI documents.

Normativnі acti mіstsevih organіv vikonavchoї Vlady, yak usually toil rozporyadchy character okreslyuyuchi in furrows Pevnyi admіnіstrativnih odinits osoblivostі vikonannya zahodіv, viznachenih Uriadovy abo vіdomchimi documents. Tse shaping can Buti clarification schodo Venue of whether yakih eksperimentіv, Especially munіtsipalnogo strahuvannya. In zv'yazku s vіdnesennyam bіlshostі s power regulyuvannya strahovoї dіyalnostі on zagalnoderzhavny rіven role of legal aktіv mіstsevoї Vladi at the Branch strahovіy Neznachny.