Strahuvannya - Osadets SS

17.4. Special reinsurance of risky non-residents

Perestrahuvannya z look at pritamanni yom osoblivostі ta specifiku not mozhe buti obmezhenim frameworks odnієї power. Bazhannya maximum rozoseedzhennya rizikiv, ikh nekotoridnist that sumarniy rozmіr pripuskayut conducted reinsurance operations on the international insurance market.

For Ukraine, yak i for all the krayshn kolichnogo SRSR, pitan reinsurance rizikiv from non-residents is especially relevant through the insignificant amount of internal insurance market. As of 01.01.2001, the statutory funds of all insurance companies in Ukraine have become 959418,91 yew. UAH., And the form of insurance is 511 179,2 thousand. UAH This rank, rozmіschennya on internal insurance market especially the great rizikіv tsilkom practical nemozhlive. Nasampered tsesosuetsya rizikіv z dobrovolnogo maynevuyu insurance, insuhu vidpіdalnosti ta nerastavnogo obovyazykovogo insure.

When the insurance contracts are concluded, the insurance shall be extended to the territory of the non-terrestrial state, the insurance shall be invested by the affiliates of the reinsurer in the country, in the case of the reinsurer, in the roll of the avarice ticket, abo the surveyor, if the fears of the vipers are spent on the territory of the yogi power.

Proteh entry before spivvstrahuvalnyh vidosonin z non-residents of burial grounds legislated by law (zgіdno zі statteyu 2 Law "About insure" insurance dіyalnіst здійснюється виключно страховиками-резидентами України). Insurants vikoristovuyot institute reinsurance for virishennya vospitalivih pity.

Takі situatsії vinikayut nerіdko, napriklad pri inshuvuvani vantazhiv. When the insurance policy is in place, control over the passage of risk on the territory of its own power. Shchog to a reinsurer, then vyn zdebylshogo buove not professiyny, but a special specialty in the form of insurance, sho pidlyagae reinsurance. Vzagalі, tse bіlsh is similar not to reinsurance, but to співстрахування.

Perestrahuvannya rizikіv for mezhami kraїni zumovlyuє vіdpliv currency at viglyadі perezstrahuvannyh premii for the cordon of Ukraine, and takozh nedomolnіst zdіysnennya to control over diyalnistyu of reinsurers-nonresidents in the side of the most powerful visions of Ukraine. Tse, at his chergo, vimagaє vіd lawmakers zastosovuvati osoblivi vimogi before reinsurance rizikiv from non-residents.

Zauvazhimo, scho in the early hour of the order of the richest powers, reported the cursive schodo regulyuvannya reinsurance operations, streaming reinsurance rizikiv behind the cordon. So, the politicians of the region have come to grips with the authorities of the reinsurance companies. Pershi soi kompannii buli zasnovanі in Latin America - in Uruguay (1912) and in Chile (1920 p.). Ідеться about Держані страхові банки. In the period of 1913-1923 r. Bou establishments perehіdny periyod, stretch iakogo strahovi comrades obovni buli reinsurance 40% of the risks from the National Insurance Institute (Natіonal delle Assіcurazіonі).

In Turechchin, in 1929, the bouleau demanded a reinsurance. The risks of the Turkish and post-Soviet insurance associations were 75% in the overwhelming majority insurance company in the state-owned joint venture "La Reassurance Natіonale SATurguіe". In the middle of 1937 r. It was reinstalled obovzjakove reinsurance of 25% of all risks from the state insurance company "Iran". In 1946 r. The Franzії bula is based on the "Central reinsurance", until all the fears of the association of bullets go round the nadavati 10% of all risks, but the buli are taken from the direct order. In the sixties of rock, the actions of the active powers of the Buli are adopted by the crooks of the regulations for reinsurance operations, in the midst of which there are buzzards of the "Aziatskoi reinsurance corporation". Zgodom, in 1942 rotsi at the edges of Africa buli priinyat laws about obovyazyvove peredannya 5% usih straight strakhuvan stavnim pidrozdilam. Ці заходи були підтримані Conferenceією Об'єднаних Націй з Торгівлі та Розвитку (UNCTAD).

The Ukrainian lawmakers have written a letter on behalf of the powers to the unearthly reinsurers.

Перші кроки з регулювання перестрахування ризиків були здійснені 24 квітня 1996 року з затвердженням Кабінетом Міністрів України Положення «About zdіysnennya operatsіy z reinsurance». Згідно з цим Положенням укладання договоів перестрахування за межами from reinsurers-non-residents to admit tilki in razі, якщо:

1) legislation kraїni, in a re-insured non-resident, the oversight of the state oversight of insurance (reinsurance) disallocation;

2) a non-resident re-insurer, a non-perpetual dossier of robot in insurance (re-insurance), no mensh nizh 3 rocks, kotrі pereduyut roku, yakomu ukladaatsya dogovir reinsurance, insurance of the insurer (assignor, reinsurance) may be confirmed in accounting books;

3) a non-resident reinsurer does not insure the insurance legislation of the territory of the yogic mine, but has not been tampered with entering the whole drive through the length of the remaining two ranks.

When the contract is made, reinsurance for the insured brokers - brokers Lloydu insurers povinni vimagati at the designated brokers of the accounts of the accounts of the predecessors.

Insurers to mait in the established order to review the body to look at the insurance disability about the otrimaniyi payments that are used to reinsurers of insurance payments, yaksh:

1) settle down (prodovzhuyutsya) term reinsurance with reinsurers-non-residents, zgidno z yakimi reinsurers to rally a portion of insurance payments, but transfer 50% sumi nadochodzhen zaschicheny insurance payments for zim contracts;

2) a part of insurance payments, transfers to non-resident reinsurers, I transfer 50% of the insured sums of insured personal income to the reinsurance insured, cross-subsidized by non-resident reinsurers for the same period.

At the same time, the visas are visibly impaired, especially in reinsurance of risks from reinsurers-non-residents, and are re-insurance of reinsurance. So, згідно із The Law of Ukraine "About the admission of goods and services" sums of income of non-residents, otrimanyh in viglyadі insurance premiums for reinsurance of risks on teritorii Ukrainy, obodototyvatsya at a rate of 15% on vidminu viddom of the income of residents themselves, but to be lodged at a rate of 3%. ALE sLіd zvernuti respect, scho is given the norm rozpovsujuyutsya Lisha on the quiet reinsurance, o є resident kraїn, z yakimi Ukraine did not make up the international land about the uniqueness of the subordinate obohavtkuvannya. Yakshche reinsurer є resident of the territory, for example, such is the way of satisfaction, then yogo dohіd obodatkovuєtsya y kraїnі yogo реєстрації згідно з законодавстве цієї країни.

The situation is indicated, in which non-residents come to the vigilant reinsurance premiums to be lobbied for a higher rate, do not go to the resident, but not in Ukraine, but on the back of Russia, that's Bilorusia, and so does the territory of distant zarubizhzhya.

I will look at those who in Ukraine are shorter than 50% of reinsurance premiums to be rallied to non-residents, the norm of the law is the norm.

Ostanne osoblyvist, povetsyana z reinsurance rizikiv from reinsurers-non-residents, polygas in the spent rozraunkiv with them.

So, згідно з Положенням "About zastosuvannya іноземної валюти в страховій діяльності", hardened by the Decree of the National Bank of Ukraine on 11th of October 2000 No. 135, for zdіysnennya rozraunkiv with reinsurers-non-residents for contracts reinsurance insurers are guilty of nadavaty osnovnovazhenim banks soi dokumenty:

1. A copy of the litigations to the body, which is more than indifferent to the insurance of disability (to be repaid once), to the seal of the insured;

2. Copy of the re-insurance of a non-resident of a document about the yogi, depending on the seal of the insurer;

3. One of three such packages of documents: the contracts for reinsurance of abolition of reinsurance (certificate, sex), and the receipt of the risk in reinsurance (cover note); In addition to the reinsurance (abbreviation), but also the note of the insurance certificate (passport, certificate) and the visa to the non-resident (bordereau), the document is written with the agreement on reinsurance, which is to be executed by the insurer; Договір про перестрахування або свідоцтво about перестрахування (сертифікат, поліс), and також рахунок-фактуру (інвос (іnvoіce)).

Yakschoo and reinsurance agreed to settle for the insurance brokers, then so the brokers can mop up the currency in the foreign currency market of Ukraine for zdіysnennya rozraunkiv with reinsurers-non-residents for contracts reinsurance at the expense of such documents:

1. A copy of the certificate about the insurance broker included before the state re-insurance of insurance brokers (one-time payment), after being printed by the insurance broker.

2. Copies of the insurer's insurance, which is transferred to the risks in re-insurance, after the yogo printing (one time use).

3. Копії ліцензії a reinsurer-non-resident of a document about a yogi as a result of a print of an insurance broker.

4. Договір about наданя insurance brokers' services (broker's business), yakomu viznachaetsya order zdіysnennya rozraunkіv through avidovidnogo insurance broker.

5. Договір комісії або договір доручення, уразений між reinsurance-resident that we insure broker.

6. One of the following documents of this type: documents about reinsurance of abolition of the need for reinsurance (certificate, sex), registration of the risk in reinsurance, registration of information on the risks of reinsurance of those parts of risk; (The certificate), and the insurer of the insurance certificate (a passport, certificate) and a visa to a non-resident (bordereau)), the following document is written with the agreement on reinsurance (raunchy-invoicing (інвос (іnvoіce) ) Abo debit note (debit note)); Strahov svіdotstvo (carpet note (cover note)) about pіdtverdzhennya rozmіschennya rizikіv in reinsurance іz zaznachennyam Informácie schodo vіdpovіdnih perestrahovikіv that їh chastki rizikіv and takozh rakhunok invoice (іnvoys (іnvoіce)) abo debit note (debіt note).

Odnochasno s CIM mother required on uvazі scho strahovі broker non-residents mozhut nadavati poserednitskі Hotel s reinsurance rizikіv on teritorії Ukraine in nerezidentіv on pіdstavі doruchen perestrahuvalnikіv-rezidentіv deprivation through postіynі predstavnitstva (fіlії) in Ukraїnі, SSMSC povinnі Buti zareєstrovanі yak paysite podatkіv vіdpovіdno up The laws of Ukraine are included before the reinsurance of insurance reinsurance brokers.

When ukladannі dogovorіv reinsurance perestrahovikami s non-resident for the insurance poserednitstvom brokerіv neobhіdno pam'yatati i those scho oskіlki vlasnikom dohodіv in viglyadі perestrahovuvalnih premіy Je strahovі not a broker, but the Same perestrahoviki, brokers povinnі Nadachi pіdtverdzhennya about rozpovsyudzhennya on perestrahovikіv-nerezidentіv PROVISIONS vіdpovіdnih mіzhnarodnih lands Ukraine about the uniqueness of the subliminal podvotkivannya, tobto nadati documents, yakі zasvidchyut, resident of the anchor kraїni є reinsurer. Yakscho perestrahovik not Yea resident Kraina, s yakoyu way mіzhnarodna lands about uniknennya podvіynogo opodatkuvannya, abo tse not mozhna pіdtverditi on pіdstavі Pevnyi dokumentіv, vіdpovіdnі perestrahovuvalnі premії (for vіdrahuvannyam komіsіynoї vinagorodi insurance broker) opodatkovuyutsya in Ukraїnі for the rate of 15% in dzherela їh viplati for Rakhunok of such payments.

Krіm order requiring the mother to uvazі, scho in razі, if obsyagi INSURANCE platezhіv, SSMSC peredayutsya in reinsurance to non-residents, perevischuyut 50 vіdsotkіv їh zagalnogo rozmіru, otrimanogo s cob calendar rock, perestrahuvalnik podaє to Upovnovazhenogo body deklaratsіyu for zvіtny perіod for the form, vstanovlenoyu Kabіnetom Міністрів України. In deklaratsії insurer (perestrahovuvalnik) zobov'yazany guide-іnformatsіyu about riziki that ob'єkti strahuvannya, SSMSC perestrahovuyutsya in nerezidentіv, danі about nerezidentіv-perestrahovikіv that pro-perestrahovikіv brokerіv, іnshu іnformatsіyu, viznachenu Kabіnetom Mіnіstrіv Ukraine. Assertions body can conduct thematic transfers of insurances on the basis of the filing of declarations.

Otzhe, peresstrahuvannya risikiv from reinsurers-non-residents, its own specialty, yaki treba vrahovuvaty parties to the contract reinsurance.