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Strahuvannya - Osadets SS

Розділ 20. The financial risk of insurances

20.1. Поняття фінансової надійності

Зацікавленість people in insurance zahysti - the basis of the insurance company, to protect the visibility of insured services, and vystupayut on the market їх sellers, muyuchi on meti sustained pribudku. Yaksho nyayo zatsіkavlennostі z boku insurance in the private insurance service, the insured is not in zmozi іsnuvati. Ajer tilki for the purpose of realizing his own special goods. The company is the stove of the fears, the reservation, the acquisitiveness, the accumulation of income. This is the rank, insure that the insurer has a vital role to play with.

The specialty of the insurer is the insurance of the insurance man for the sake of the Akumulyuvannya koshtiv in the vigilant way of insurance premiies to insurance reserves. Strahovi reserve œ koshtami insurance, yaki timchasovo perebuvayut beside rozporyadzhennі insavika. Vіkoristanna koshtіv іntervіh reserveів має цільове призначення. The insurer at zmozі іх використовувати тільки у разі настання insurance vipadku for his arrangements of insurance. Іnakshe kazuchi, especially the organisation of the insurer, are obliged to comply with the insurance process, at the entrance and on the grounds there is a farthing, which can be fought for by the insurer timuchasovo.

The insurer, on the day of the promises of commercial services, does not care about insurance of groschen not in the exchange for material goods, but for services, and in obmin for the service, for the insurance zahist in vyglyadi maybutnih insurance payments, then for the insuremen, they have recognized zbitcies and demanded financial assistance . Tso predstavlivost (tobto "fee in advance") will require the guaran- tees of insurance companies for insurance companies for their own cronies before insuremen. One of the guarantees is the financial insurance of the insured. Vona postiyno perebuvayє in the center of the seizure of poste demanding zastosovuvati kіlka kriterіїv:

• Розмір власних коштів;
• The correctness of the higher tariff rates;
• The presence of a balanced insurance portfolio;
• The amount of insurance reserves, adequate sums taken by the insured on their own zobov'azan;
• Ефективність розміщення страхових резерів; Vagi yak insurvik, so i inshyaklynika that povyazyana z faktanoyu, fіnansovuyu, іnvestitsіynoyu, reinsurance politykoy insurvika. At оцінці фінансової надійності insurance
• Perestrahuvalnitsky operations.

Fіnansova nadіynіst insurer - tse prokomozhnіst insurant vikonati strahov zobov'yazannya, priinyatі for contracts insurance that reinsurance in vipadku vplyiv unpleasant chinnikiv. Tomu stійka фінансова надійність of insurance operations дає змогу страховикові виконати усі зобов'язання за бы-яких несприятливих обставин.

Існують законодаччі вимоги до власних Коштів страховика, які мають бую сформовані за рахунок вкладів засновників і прибутку. Statutory fund - the main element of the function of the be-yak sub'ekt gordarshkoe dіyalnostі nezalezhno vіd form viasnostі. Він є сумою вкладів сновновників для забезпечення життєдіяльності компанії. The procedure for formulating the statutory fund is to be regulated by the prudent legislation of those statutory documents. The basic wimogs up to the secession of the Ukrainian insurance companies, the yak was already designated, - the presence of a minimal amount of money for the statutory fund - 1 million euros for the insurer, which borrowed insurance types from the others, and insured the resident, and insured, who borrowed money from the insurances, - 1.5 million euros for The foreign exchange rate of the currency of Ukraine. It is important, that 100 banks of the statutory fund, mia bouti, are brought in the form of grotesque forms, that is, they are illicit koshti for vikonannya zobov'azan before insuremen in the case of unavailable special koshtiv - insurance reserves.

The insurant at the course of disability is guilty of a mother not of the statutes of the fund, but of the most important oath of vestigial kostyiv, of the elderly of the zobovs. Such koshtami є guarantee fund that is a vinal reserve. Prior to the insurance fund, the insurer should levy special reserves and reserve funds, and such sums of non-surplus pribudku. Vіlnі reservation - a part of the local insects of the insurant, a yak to be reserved for the method of the dodatskoe zabezpechenennya fіnansovoy nadіynostі.

Finansovaya nayinist insurer to lie in the correct rozraunkku tariff rates , yakі є tsinoyu for insurance sggu. Tsey rosraunok not be able to split without a loss of insurance. Vihodachi z obyagu ta rivnnirnosty rozpodilu risiku, frequency nastannya insurance vipadkiv, otnagu income companii on the basis of statisticnyh dnyakh for kіlka rokіv insured the tariff rate. Ale is not the manager of the public access to the insurance company, but the cause of it is, that is not the volost of the information. Todi yomu not zalyshayatsya nichogo іnshogo, yak tilki pokladatysya na svіy sub'ektivnyi podglyad shodo vіrogііnostі nastannya negative podі і mozhlivyh zbitkіv. For goodwill types, the insured insurer automatically razrahovuyu fears of tariffs and zadverzhuyeh їh in the independent body of insurance. In addition, існує the system is znizhok to base rates, yak zastosovuyutsya for ponovlennya contract insurance for zakinchennyi yogo дії, та для корпоративних клієнтів. Takozh insurance market of Ukraine is characterized by dempoving tendencies that are not underprivileged low prices for the activities of insurance. Vidhilennya insurance rate of all subjective funds can be called up to the repression of the financial security of the insured person who is insured by the insurer of his cattle before the insurers.

There is one criterion of the financial security of the insurer-the availability of insurance reserves , the vigilance of the insurance of the insured zobov-the insurance of the arrangements of insurances. Rozmіr іntervіh reserve іѕ mе bouti adequate prіynyatim іn insurance tо zobov'yazni. Vikonannya insured zobov'yazan in Pershu chergo moe zdіysnyuvatyasya for rahunok koshtiv insurance reserves, and ikh dostotnost obmovleno correctly vaznacheniyu tariff rate.

Akumulovany at the insurance premièes active hour perebuvayut a rozporyadzhennі insurer і mozhut buti інвестваніі з a method оделаня додаткового доходу. Protecting the time and money of insurance reserves, insured by insurances, pidlyagayut regulyuvannu in the direction of the power, bovyani є koshtami inshyvatelnikov i moyut bouti povernuti їm nastanni izlivoi podії. Activis insurrection, molded for rahunok insurance reserves, є guarantor vikonannya yogo zobov'azan that povinni rozmishchuvatysya z metoju zabezpechennya lіkvіdnostі, diversifikacii, najnostі ta pributkovostі. Takii vimogi give zmugu zabezpechiti svoechasnі і in the povysnomu obyazі feary vyplati. Moreover, when rozmіschennі timchasovo vіlnyh koshtіv insurance reserves, nehіhіdі nеhіhіvаti the nature of the rosepodіl ризику; Termin insurance; Oksyag akumulovanykh kostyv; Neobhідність у інвестиційному доході.

The financial security of the insured is secured and such a tool, as reinsurance . Visoka vaetka v'ektiv, yakі mozhut bouti priinyati na inshanyannya, nezalansovaniy insurance portfolio, kolivannya resultiv diyalnostі insavikova mozhut negativno vplituti yogo fіnansovu nadіnist. Prote when reinsurance insurance, priymayuchi to insure big rizik, not to transfer the yogo to a reinsurer, but to sell the insurance in front of an insured person in the public sector. To the insured, it is correct to properly mark the rosemary of the virgin Utriman zobov'azan. Spravdi, yakschoo rozmіr zobov'jan bude nadto nikoskim, then in nіstіn nastannya insurance vіpadku іn insightful mozhe bouti іtѕ lacking коштів for покриття збитків страхувальників.

Rozmіr vlasnogo утримання має бути залежним від галузі страхування, а також від nature імімірності ризику, step схильності до нього, моливого maximum розміру збитку, обсягу власних коштів страховоїї компанії. One of the most interesting moments is the identification of the rosemary of the imperious Utriman зале of the fallow of the vine of the wilderness koshtív: the more the rosemary of the insolent kostyiv of the insurant, the more the yikon of the yogi insurance zobov'azan. By the method of zahistu vikonannya zobov'azan insuranceovka before insuremen Law of Ukraine "About insure" pobabachaetsya in obovjazyvomu order pokupannya reinsurance perestrahuvannya vypadka, if the insurance suma for okremoyu for fear of insurance is transferred 10 vidsoтків sumi razlichchenogo statutory fund і sformovanikh vіlnyh reserves and insurance reserves. The insurers, yaki, took on themselves the fears of crawling in the courts, which could move the invisibility of the vikonannya for the rainy pot of active activists, guilty of insuring the risky vikonannya zaznacheny zobov'azan at reinsurers.

Dotrimannia insured by the insurances of the criminals in the financial security for the insurance companies, in the insurance companies for the insurance of the insured person.