home Insurance Strahuvannya - Osadets SS

Strahuvannya - Osadets SS

20.4. Otsіnka platospromozhnostі insurers

Zobov'yazannya insurers skladayutsya s dvoh Group:

• zovnіshnі zobov'yazannya, tobto zobov'yazannya before strahuvalnikami, fіnansovimi establish perestrahovikami, budget i t. іn .;
• vnutrіshnі zobov'yazannya - tse zobov'yazannya before zasnovnikami, predstavnitstvami that fіlіyami, spіvrobіtnikami.

For obsyagom perevagu toil zovnіshnі zobov'yazannya, SSMSC mozhna podіliti on strahovі that INSHI. Obsyag zovnіshnіh zobov'yazan Je Main pokaznikom for viznachennya platospromozhnostі.

In Zahіdnih kraїnah strahovі kompanії of order Zi INSURANCE dіyalnіstyu zdіysnyuyut fіnansovu that іnvestitsіynu, insurers have to vinikayut fіnansovі th іnvestitsіynі zobov'yazannya, SSMSC vplivayut on yogo platospromozhnіst.

Strahovі zobov'yazannya - Basic warehouses zovnіshnіh zobov'yazan. Strahov platospromozhnіst zabezpechuєtsya for rakhunok dvoh mainly Jerel - koshtіv INSURANCE rezervіv, SSMSC toil Buti adequacy take zobov'yazannyam, i Vlasnyi vіlnih koshtіv. W look around the character strahovoї Hotel in osnovі yakoї lezhit kategorіya insurance riziku that vipadkovіst yogo nastannya, rozrahunkovy rozmіr INSURANCE rezervіv Mauger Buti nedostatnіm for vikonannya vsіh zobov'yazan of insurance viplatami. Tom insurer responsible mother vіlnі od zobov'yazan Costa, SSMSC Mauger vikoristati for viplat in razі, if strahovі reserves will vicherpanі.

Koli brakuvatime rezervіv of insurance, insurer guilty bude vikonati strahovі zobov'yazannya for rakhunok Vlasnyi koshtіv. Zahіdny dosvіd pokazuє scho insurers mozhna vvazhati platospromozhnim in razі, if vlasnі Costa perevischuyut zovnіshnі zobov'yazannya.

Before Vlasnyi koshtіv insurers nalezhit statutory fund, and takozh reserves SSMSC formuyutsya for rakhunok pributku, that reserve, SSMSC not pov'yazanі іz zobov'yazannyami. Syudi slіd takozh vіdnesti nerozpodіleny Prybutok. Nayavnіst digit obsyagu Vlasnyi koshtіv Got vazhlive values ​​іz of cob dіyalnostі. Koli insurer not Got zbalansovanogo insurance portfolio, and reserve strahovі malі th mozhut not dati digit іnvestitsіynogo pributku, insurer for rakhunok Mauger Vlasnyi koshtіv vikonati svoї zobov'yazannya. Vlasnі Costa insurers utvoryuyut margin (margin) platospromozhnostі.

We have Єvropeyskomu soyuzі zv'yazku Zi spetsifіkoyu Venue of skin strahuvannya mind that rіznim rozpodіlom riziku stock platospromozhnostі viznachaєtsya okremo for rizikovimi views strahuvannya i Zi strahuvannya Zhittya.

In rizikovih kinds strahuvannya otsіnka platospromozhnostі polyagaє in zіstavlennі faktichnoї platospromozhnostі s rozrahunkovoyu normative.

Directives ЄS peredbacheno viznachati factuality stock platospromozhnostі yak rіznitsyu mіzh assets (krіm nematerіalnih) i zobov'yazannyami. In razі, Yakscho factuality stock platospromozhnostі perevischuє rozrahunkovy regulatory, insurance kompaniia vvazhaєtsya platospromozhnoyu. Іnshimi words Vlasnyi koshtіv, vіlnih od zobov'yazan, once іz insurance reserves Got Booty dostatno for vikonannya zobov'yazan of insurance viplatami.

Rozrahunkovy required reserves platospromozhnostі Got dorіvnyuvati naybіlshіy іz dvoh sum, one s yakih obchislyuєtsya on pіdstavі premіy of insurance, and the other - on the insurance pіdstavі viplat.

In Persha vipadku rozrahunkovy stock platospromozhnostі viznachaєtsya on pіdstavі nadhodzhen INSURANCE premіy for zvіtny perіod and the Same:

.

de P 1 - rozrahunkovy rozmіr on pіdstavі premіy of insurance;

SP 1 - scrip nadhodzhen premіy of insurance to 10 million EURO including;

SP 2 - suma nadhodzhen INSURANCE premіy bіlshe, nіzh 10 million EURO including (zagalna soums of insurance for premії vinyatkom SP 1);

VS - zagalna soums of insurance for viplat vinyatkom viplat, splachenih perestrahovikami;

V - zagalna soums of insurance viplat.

W look around to dosvіd zahіdnі kompanії zagalnu scrip nadhodzhen INSURANCE premіy podіlyayut on Dvi Chastain - scrip nadhodzhen premіy of insurance to 10 million EURO including i Ponad 10 million EURO including. In razі, Yakscho insurer Got nadhodzhennya INSURANCE premіy Ponad 10 million EURO including, vvazhaєtsya scho UCLA insurer bіlshe strahuvannya lands, from Demba Shirshov rozpodіleny rizik and to vіn (insurer) bіlsh nadіyny. In this razі zastosovuєtsya "pіlgovy" koefіtsієnt 0.16 іnakshe vіn becoming 0.18.

Vіdnoshennya zagalnoї sumi viplat of insurance (for vinyatkom viplat scho splachenі perestrahovikami) to zagalnoї sumi INSURANCE viplat viokremlyuє chastku viplat, SSMSC splachenі by insurers, and vono not guilty Buti Mensch from 50%. In razі, if factual Tsey koefіtsієnt less then 50% is taken in vіn rozmіrі 50%.

In another vipadku rozmіr rozrahovuєtsya on pіdstavі INSURANCE viplat:

.

de P 2 - rozrahunkovy rozmіr on pіdstavі viplat of insurance;

V 1 - serednorіchna scrip viplat EURO including up to 7 million;

V 2 - serednorіchna scrip viplat Ponad 7 million EURO including (zagalna soums of insurance for viplat vinyatkom V 1).

Perіod rozrahunku serednorіchnoї sumi viplat are three prophets, when strahuvannі kreditіv - sіm rokіv. Vikoristannya serednorіchnoї sumi viplat on vіdmіnu od viznachennya strahovoї premії for zvіtny perіod pov'yazane s vipadkovіstyu nastannya strahovoї podії i Oscillations rozmіru zbitkіv.

Podіl zagalnoї serednorіchnoї sumi INSURANCE viplat on Dvi Chastain zumovleny timey themselves causes scho th podіl zagalnoї sumi strahovoї premії.

Purshia result vіdrіznyaєtsya od other tim, scho required reserves on platospromozhnostі pіdstavі INSURANCE premіy viznachaєtsya zgіdno іz zobov'yazannyami, SSMSC priynyatі and required reserves on platospromozhnostі pіdstavі viplat of insurance - on osnovі zobov'yazan scho Realized.

Directives ЄS peredbacheno takozh nayavnіst garantіynogo fund tobto vіlnih od zobov'yazan koshtіv in obsyazі 1/3 factuality stock platospromozhnostі. Tsei Fund stvoryuєtsya insurers for monitoring the stock of factual doderzhannyam platospromozhnostі.

Zabezpechennya platospromozhnostі strahovikіv Ukraine kontrolyuєtsya zgіdno іz Law of Ukraine "About strahuvannya" Yakima peredbacheno:

• nayavnіst splachenogo statutory fund is the fund nayavnіst garantіynogo insurers;
• stvorennya INSURANCE rezervіv, dostatnіh maybutnіh viplat for the insurance sum i vіdshkoduvan of insurance;
• perevischennya factuality stock platospromozhnostі over rozrahunkovim required reserves platospromozhnostі.

Printsipovim moment at new ukraїnskomu zakonodavstvі Je Introduction marzhі platospromozhnostі, tobto perevischennya factuality stock platospromozhnostі over rozrahunkovim de rozrahunkovy required reserves on vstanovlyuєtsya rіvnі dvoh koefіtsієntіv: 0.25 is the 0.30 vіdpovіdno take the insurance od nadhodzhen premіy for zvіtny perіod that the insurance od vіdshkoduvan for that samy perіod.

Zmіst techniques viznachennya platospromozhnostі insurers polyagaє in porіvnyannі obsyagu zobov'yazan insurer before strahuvalnikami s obsyagom Vlasnyi koshtіv, SSMSC shaping can Buti vikoristanі on pokrittya zobov'yazan. Porіvnyannya factuality stock platospromozhnostі of required reserves vіdobrazhaє chastku Vlasnyi koshtіv insurers in zagalnih zobov'yazannyah.

Zgіdno s Ukrainian zakonodavstvom factuality stock platospromozhnostі insurers viznachaєtsya vіdnіmannyam od vartostі Lane insurers sumi nematerіalnih aktivіv i zagalnoї sumi zobov'yazan, zokrema of insurance, SSMSC taken in rozmіrі tehnіchnih rezervіv. Factuality stock platospromozhnostі insurers Got perevischuvati rozrahunkovy required reserves platospromozhnostі.

Normative stock platospromozhnostі insurers dorіvnyuє bіlshіy s dvoh viznachenih values. Pershoї, yak breeding viznachaєtsya sumi nadhodzhen INSURANCE premіy protyagom zvіtnogo perіodu 0.18. When tsomu scrip nadhodzhen INSURANCE premіy zmenshuєtsya 50% of insurance premіy, splachenih perestrahovikam. Druha, yak breeding viznachaєtsya sumi zdіysnenih INSURANCE viplat protyagom zvіtnogo perіodu for contracts strahuvannya 0.26. When tsomu scrip zdіysnenih INSURANCE viplat zmenshuєtsya 50% of insurance viplat, kompensovanih perestrahovikam zgіdno s ukladenimi reinsurance treaties.

Platospromozhnіst deposits takozh od rozmіru resursіv insurers i zobov'yazan, SSMSC bere on itself insurer. Yakscho insurer bere strahovі zobov'yazannya, SSMSC not vіdpovіdayut yogo fіnansovim mozhlivostyam then Chastina zobov'yazan lishaєtsya not all covered resources for rakhunok yakih insurer MAV bi zmogu їh vikonati. W urahuvannyam zabezpechennya vikonannya zobov'yazan strahuvalnikami before the Law of Ukraine "About strahuvannya" peredbacheno obov'yazkove ukladannya treaty reinsurance in razі, if insurance scrip for okremim ob'єktom strahuvannya perevischuє 10% sumi splachenogo statutory fund i preformed the insurance rezervіv.