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Strahuvannya - Osadets SS

20.3. Іnvestitsіyna polіtika insurers

Svіtovy dosvіd pokazuє scho insurers Je vazhlivim Jerel іnvestitsіynogo kapіtalu. According au-Perche, Tse pov'yazano s іnversієyu cycle (oskіlki otrimannya strahovoї premії pereduє nadannyu strahovoї Hotel), and in another, іz rozpodіlom riziku in chasі. Tom insurer protyagom hour dії contract strahuvannya timchasovo rozporyadzhaєtsya Costa strahuvalnika, SSMSC akumulovanі in strahovі reserves.

Krіm koshtіv rezervіv of insurance, insurer Got in svoєmu rozporyadzhennі vlasnі in Costa viglyadі vkladіv zasnovnikіv and takozh spetsіalnih fondіv, SSMSC sformovanі for rakhunok pributku she sumi nerozpodіlenogo pributku.

Tom Costa insurers, SSMSC perebuvayut at Yogo rozporyadzhennі, Je sukupnіstyu resursіv for rakhunok yakih vіn (insurer) vikonuє svoї zobov'yazannya at nastannі insurance vipadku that zabezpechuє more normal funktsіonuvannya kompanії. Tsі Costa predstavlenі on au-Perche, nadhodzhennyami premіy of insurance, in other words, Vlasnyi Costa, SSMSC mozhut vikoristovuvatisya protyagom kіlkoh rokіv.

W looking around at tse at іnvestuvannі such koshtіv neobhіdno vrahovuvati їh structure and takozh optimally termіn іnvestuvannya. Potrіbno vihoditi s of scho reserve Yea i Costa strahuvalnikіv in razі nastannya insurance vipadku toil svoєchasno povertatisya їm in viglyadі insurance vіdshkoduvannya, yak Mauger Buti th bіlshim porіvnyano s vneskami for nadannya strahovoї Hotel. Assets strahovoї kompanії toil Buti rozmіschenі s urahuvannyam bezpechnostі, pributkovostі, lіkvіdnostі, diversifіkovanostі. Zaznachimo, scho tse th Je osnovnі vimogi to upravlіnnya assets.

Bezpechnіst vkladen aktivіv strahovoї kompanії svіdchit about mіnіmalny іnvestitsіyny rizik, Won Mauger dosyagatisya Shlyakhov diversifіkovanostі koshtіv.

Shcho Well before pributkovostі aktivіv insurer, then won at іstotna viznachennі zagalnogo fіnansovogo result. Aje іnodі in kіntsі zvіtnogo perіodu insurer kompensuє zbitki, pov'yazanі Zi INSURANCE dіyalnіstyu for rakhunok pributku od іnvestitsіynoї dіyalnostі. Tom in tsіlomu on kompanії Mauger dosyagatisya fіnansovy Positive result.

Saying, about lіkvіdnіst aktivіv kompanіy of insurance, underwrite uvazі mozhlivіst operativnoї konvertatsії їh in gotіvkovі platіzhnі Costa, for rakhunok yakih insurer dіstaє zmogu vikonati svoї zobov'yazannya. Osoblivіstyu vikoristannya principle lіkvіdnostі in strahuvannі Yea those scho vimogi to lіkvіdnostі stale od rizikіv insurance portfelі insurers. Yakscho insurer zdіysnyuє strahuvannya visokorizikovanih (avіatsіyne, strahuvannya i t. Іn.) Vidіv strahuvannya, Yomou in short termіn neobhіdno bude peretvoriti svoї assets on gotіvkovі Costa. Otzhe, strahovikovі s rizikovih vidіv strahuvannya dotsіlno mother visokolіkvіdnі assets.

Ale bezpechnіst, pributkovіst, lіkvіdnіst aktivіv not Je vzaєmozamіnyuvanimi characteristics. So, for nadіynimi assets (derzhavnі tsіnnі Papero) maєmo nizku pributkovіst. Zbalansovany portfolio іnvestuvannya dosyagaєtsya for Relief diversifіkatsії vkladen. Diversifіkovanіst - tse rozpodіl іnvestitsіynih koshtіv mіzh kategorіyami aktivіv іnvestuvannya.

Costa, SSMSC nadhodyat od rizikovih vidіv strahuvannya, perebuvayut in rozporyadzhennі insurers protyagom termіnu dії contract strahuvannya, tobto, yak usually up to a rock. Maximum perіod hour mіzh datoyu akumulyuvannya koshtіv in strahovі reserves that datoyu їh vikoristannya Insurance viplat becoming Year. Ale Chastina koshtіv Mauger znadobitisya to whether yaky hour for vіdshkoduvannya zbitkіv for tsimi strahuvannya treaties. Tom Costa rezervіv of insurance contracts for rizikovih vidіv strahuvannya toil Buti іnvestovanі in visokolіkvіdnі, korotkostrokovі assets.

Costa, akumulovanі in reserve Oscillations zbitkovostі that disasters priznachayutsya for zabezpechennya vikonannya insurers svoїh zobov'yazan for contracts in strahuvannya vipadkah, if precisely the insurance nadhodzhen premіy bude nedostatno. Costa Tsikh rezervіv mozhut vikoristovuvatisya not schoroku, to toil stink Buti іnvestovanі in dovgostrokovі assets. Ale stink toil Buti visokolіkvіdnimi, if Postan require vikoristati їh for priznachennyam.

Shcho Well before rezervіv Zi strahuvannya Zhittya, it s looking around at bіlshі termіni dії dogovorіv i vikonannya zobov'yazan zdebіlshogo on zakіnchennі line dії agreement abo in obumovleny lines insurers toil mozhlivіst іnvestuvati Costa on trivalіshy termіn that zniziti vimogi to lіkvіdnostі such іnvestitsіynih vkladen.

Vlasnі Costa insurers, vіlnі od zobov'yazan, shaping can Buti vkladenі perevazhno in dovgostrokovі that Mensch lіkvіdnі Vidi aktivіv.

When іnvestuvannі koshtіv slіd vrahovuvati їh rozmіr. Vid of the cob dіyalnostі insurers digit chastku іnvestitsіy stanovlyat vlasnі Costa, nasampered statutory fund. In hodі dіyalnostі bunt Jerel іnvestitsіy stayut strahovі reserves.

Otzhe, insurer obiraє Vlasnyi іnvestitsіynu polіtiku, vihodyachi s vidіv strahuvannya, termіnu that rozmіru akumulovanih koshtіv. Kompanії, SSMSC zdіysnyuyut strahuvannya Zhittya on vіdmіnu od strahovikіv scho conductive rizikovanі Vidi strahuvannya, dovshe volodіyut Costa i mozhut іnvestuvati їh in neruhomіst, derzhavnі tsіnnі Papero that INSHI dovgostrokovі assets. For kompanіy, SSMSC zdіysnyuyut rizikovі Vidi strahuvannya, slіd ROBIT emphasis on bіlsh lіkvіdnih іnvestitsіynih Costa.

Zgіdno іz Law of Ukraine "About strahuvannya" strahovі reserve toil Buti predstavlenі assets such kategorіy:

• groshovі Costa on rozrahunkovomu rahunku;
• bankіvskі deposits (deposits);
• neruhome am Main;
• tsіnnі Paper the scho peredbachayut obsession income;
• tsіnnі Paper the scho emіtuyutsya powers;
• vimog right to perestrahovikіv;
• dovgostrokovі іnvestitsіynі loans (for rezervіv Zi strahuvannya Zhittya, bankіvskі methane іnvestitsії ekonomіku in Ukraine).

W metoyu Zahist strahuvalnikіv od nevikonannya insurers svoїh zobov'yazan ustanovlyuєtsya Reigning control іnvestitsіynoyu dіyalnіstyu. Directives ЄS ustanovlenі rozmіri obsyagіv іnvestitsіy rezervіv of insurance and the Same: vkladennya in neruhomіst - bіlsh not yak 10% zagalnogo obsyagu rezervіv for cutaneous ob'єktom; vkladennya in aktsії, SSMSC kotiruyutsya, that garantovanі loans - bіlsh not yak 10% rozmіru rezervіv for cutaneous іz vidіv zaznachenih vkladіv; іnvestitsії in nezabezpechenі loans - not bіlsh yak 5% of skin їh views; in aktsії, scho not kotiruyutsya - bіlsh not yak 10% in sukupnostі vkladen; in gotіvku - not bіlsh yak 3% zagalnoї sumi rezervіv.

W rozvitkom insurance market analysis, the insurance zbіlshennyam obsyagіv operatsіy, nasampered Zi strahuvannya Zhittya, zbіlshennyam rozmіru INSURANCE rezervіv that Vlasnyi koshtіv insurers zrostaє role strahovoї system in іnvestitsіynomu protsesі nashoї Kraina. Ale obsyag koshtіv, akumulovanih insurers on vіdmіnu od bankіvskih, slit malies. Tse to scho rozmіr statutory fondіv INSURANCE kompanіy uniquely Mensch, nіzh rozmіr such fondіv bankіv themselves.

Zrostannya Insurance sales poslug spriyatime zbіlshennyu іnvestuvannya. Good peredumova to tsogo taka: vitrati on pridbannya strahovoї Hotel is permitted to include sobіvartostі produktsії (Hotel). Shcho Well before fіzichnih osіb then їm slіd Bulo b nadavati podatkovі pіlgi.

Zrostannya іnvestitsіynoї mozhlivostі strahovoї Sistemi zabezpechuvalosya b nayavnіstyu derzhavnoї perestrahuvalnoї kompanії. Nizka fіnansova mіstkіst ukrajins'koho insurance market analysis generally produces before scho znachnі sumi INSURANCE premіy, tobto іnvestitsіynі resources nadhodyat to іnozemnih perestrahuvalnih kompanіy. Nayavnіst derzhavnoї perestrahuvalnoї kompanії spriyala b akumulyuvannyu pevnoї Chastain INSURANCE premіy, SSMSC ninі nadhodyat across the border. Such kompaniia could b uzyati on itself vіdpovіdalnіst for rizikami, SSMSC perevischuyut Sumi, scho їh zdatnі deprive a pryamі insurers. Chastina tsієї sumi could deprive used to Vlasnyi utrimannya and Rasht - Buti іnshim sent messages of insurance that perestrahuvalnim kompanіyam in nashіy derzhavі that for її mezhami. Zavdyaki tsomu zmenshilasya b chastka INSURANCE premіy for reinsurance treaties in INSHI Kraina i zbіlshivsya b obsyag Vlasnyi іnvestitsіynih koshtіv.

Nadhodzhennya іnvestitsіynih resursіv insurers in sphere vazhlivі for rozvitku suspіlstva, toil Buti vіdpovіdno obumovlenі and їh vkladennya nadіynimi Buti yak for insurers, so i for strahuvalnika. Slіd pridіliti takozh uwagi vimogam, SSMSC zastosovuyutsya at viznachennі rіvnya pokrittya koshtіv scho іnvestuyutsya insurers. Dwellers vkladennya insurers boule dotsіlnimi, pereglyad structure is the rіvnya pokrittya іnvestitsіynih koshtіv Got vrahovuvati nadіynіst vkladіv that їh lіkvіdnіst. Tom efektivnosti іnvestitsіyna dіyalnіst insurer deposits nasampered od rozvitku fіnansovogo market analysis and takozh od zabezpechennya vіlnogo access to Demba INSURANCE kompanіy.