Rating iinkampani ze-inshorensi. Iinkampani ze-inshorensi: rating yokhuseleko

ERashiya, njengoko kwamanye amazwe awayesakuba yiSoviet Union, ukuya inshorensi isiqu. Kutheni le nto - akucaci. Mhlawumbi ngenxa sengqondo nokuxubana, abo basoloko befuna uloyiko zibhetele bengachani wena kwangaphambili oko uhlobo lembandezelo.

Kuninzi amazwe aseYurophu, i-United States kunye namanye amazwe aphuhlileyo imfuneko ukuquka umba wokhuseleko ezahlukeneyo kakhulu. Kweli hlabathi thina kudala baqonda ukuba, nokuba siyathanda okanye hayi, kukho kusoloko kukho ithuba lokuba kwenzeke ingozi, ukugula, kwaye maxa wambi Kungcono ukukhuseleka ngokwabo kunye nabo babathandayo kunokuba ukuba bangene imeko enzima zemali.

Kananjalo athi ukuba imarike eRashiya iinkampani inshorensi buthathaka, apho ukuthembeka rating of amahlwempu. Njengalo okanye akunjalo, siya ukuhlalutya kamva kweli nqaku.

Zeziphi ezi ntlobo zahlukeneyo inshorensi?

Iintlobo-inshorensi, zininzi. It lungahlulwa-hlulwa ibe impahla yakhe kunye. Iqela lokuqala luquka ezi nkonzo zilandelayo zinxulunyaniswa impilo le ndoda; inshorensi yobomi, i-inshorensi yezempilo, i-inshorensi ingozi, unyango kunye nabanye. Iqela lesibini liquka zonke ezo iinkonzo ezinxulumene izilangazelelo impahla zabantu: inshorensi impahla, ukuthenga imoto kunye nabanye.

Kukho iinkonzo inshorensi loo ezinikwa amaqumrhu asemthethweni: imicimbi-inshorensi, imveliso, intengiso, kunye nabanye abaninzi.

Ukuba umntu iye yagqiba ekubeni inshorensi ukuba ujongene nengxaki yokukhetha inkampani yeinshorensi ukuba wayeza kukwazi ukukhawulelana neemfuno zabo nokubonelela iinkonzo eziyimfuneko.

Kutheni imfuneko mlinganiselo iinkampani ze-inshorensi?

Imarike izaliswe ezahlukeneyo iinkampani ezinikezela iinkonzo inshorensi, yaye ngamanye amaxesha kunzima ukuba ukhethe yeyiphi ingcono. Umzekelo, imali eninzi ukuze achithe kwi self-promotion Iinkampani ze-inshorensi eMoscow. Rating, enkosi lo, uyaphuculwa ngokwandisa ngumthengi kwemali. Kodwa nokuba iya kuba ngumfanekiso ngokupheleleyo kwinqanaba ngokwenene ukuthembeka-inshorensi?

Kwishishini inshorensi, akukho mhlawumbi yeyona nto ibaluleke ngakumbi-inshorensi, njengoko saziwa liphezulu emarikeni iinkonzo. Ukuba inkampani ayikho zetyala, ukuba iinkonzo zayo ziya kusetyenziselwa kuphela kubaxumi nabadala abaye abasebefe okanye ukunyaniseka kuye ngaphantsi.

Inqanaba lenkonzo iye wadlala akukho negalelo elincinane

Ukongeza, kukho ingxelo ebaluleke kakhulu ezintle ebantwini. Iingcali zengqondo bahlala besithi xa umthengi wanelisekile uya bancome nabahlobo 2-3, uthi ukunganeliseki abantu-10 nangaphezulu malunga ilwela mbutho amahlwempu. Ngoko lo mbandela inkonzo elungileyo zonke inshorensi kufuneka uhlale kwelona nqanaba kakhulu.

Kukho iweb eninzi leekhrayitheriya ezibalulekileyo ukusebenza ngempumelelo inkampani yeinshorensi kwimarike iinkonzo inshorensi kwemingcipheko ezahlukeneyo.

Ukuze uqonde ukuba yeyiphi insurer yinkokeli kwimarike yaye ngubani na isiphukuphuku, ukuba oko kuyimfuneko ukuba isicelo, ukalisho iinkampani iinkonzo inshorensi.

Ongaka rating kunokuba kakhulu lula ukukhetha inkampani yeinshorensi ekunene kwaye eqinisekile yokwenza izibophelelo zabo ngaphandle kwimigibe.

Ziziphi iindlela ukunikela ingqalelo engakumbi xa ehlolisisa?

Ukuze ufumane i best Iinkampani ze-inshorensi e Moscow, lo mlinganiselo kufuneka wenze ngenyameko, kuthathelwa ingqalelo zonke izalathisi kunokwenzeka. Kufuneka babonise inqanaba le solvency kwiinkampani insurance, uzinzo kubudlelwane zayo zoshishino, ukufumaneka ematyaleni.

Ukongeza, ukuba kuyimfuneko ukuqonda kwinqanaba kweentlawulo-inshorensi, isakhiwo wepotifoliyo umxhasi, kwakunye neminye imiqondiso zemali, nto leyo eza kunceda ukuba ungabona umgangatho we uzinzo imeko yemali kwinkampani ye-inshorensi.

Ngokomthetho nokurhafiswa iinkampani ze-inshorensi lenziwa ngokusekelwe kuhlalutyo maqela alandelayo kwezalathisi:

1. Izalathi si zokunikwa yozinzo lwangaphandle.
2. portfolio Insurance.
3. Iimpawu zemali.

Cinga iqela ngalinye indicators.

Izalathisi yozinzo lwangaphandle

Ukuhlalutya izalathisi zokuzimela yangaphandle, ithathele ingqalelo intshukumo-asethi, ubume babo kunye neentshukumo. Ukongeza, sithabathela ingqalelo ukuba ixabiso elikomkhulu ogunyazisiweyo, kwakunye ubungakanani yonke insurance premium.

An intando ebalulekileyo kunye nohlalutyo nemibutho karhulumente yinkampani leyo has a isikhundla, ubudlelwane bakhe kunye amalungu yolawulo karhulumente kunye nobuchule kwabasebenzi yolawulo.

Ukuhlalutya la manani, kuyimfuneko ukuba ukuthatha ingqalelo isakhiwo solawulo yeinshorensi, ngokunjalo amandla ayo zemali.

Ukuqwalasela uzinzo yangaphandle, bathabatha izigqibo ukuba isebe ngalinye lengingqi kwinkampani ye-inshorensi: inzuzo kunye nelahleko isikhundla kwimarike inshorensi yasekuhlaleni. Ngaphezu koko, nokurhafiswa iinkampani ze-inshorensi eMoscow zinokwahluka kakhulu ukusuka kwindawo esithathwe yinkampani kwezinye iingingqi. Eneneni, kwimizi ngemizi kukho kwinqanaba yengeniso oluvakaliswe izinga yokuhlawula amatyala.

portfolio inshorensi

Ukufunda le potfoliyo inshorensi, kufuneka ukuqonda isakhiwo kwinkampani ye-inshorensi. Kuyimfuneko ukuba ukumisela indlela unokumnceda na uhlobo ngalunye-inshorensi kunye nemali iyonke imingcipheko kunokwenzeka.

I-lwazi ezithathwe uthelekiswa kwisiseko sabathengi. Cazulula inani, isakhiwo Dynamics sikhundla zabathengi. Ithathwa njengokuba inkampani yeinshorensi abathengi kusilungele, ngoku yintoni inqanaba zokusebenza mqulu ukudala i-inshorensi abasisigxina, kwakunye uzilo, izivumelwano-inshorensi entsha.

Enye into ebalulekileyo kukuba umgaqo-nkqubo esukelwa kwinkampani ye-inshorensi phantsi reinsurance. Kwaqinisekisa ukuba imingcipheko obonakalayo kwaye oko kukhokelela kwinqanaba olukhulu kweentlawulo inshorensi. Xa kuthelekiswa kwizinga eliphezulu kwentlawulo inshorensi ukuze ngumthamo opheleleyo kwemali yakhe.

Iimpawu zemali

Iimpawu Financial bohlulwa babe ngamaqela amathathu.

1. Izalathisi ze amatyala kunye yokuhlawula amatyala.

Uhlalutyo degrees ezahlukeneyo amatyala kubonisa uya kukwazi ukuhlawula amatyala alo, ukuba ngaxa lithile, zonke ngemali kuya kufuna imbuyekezo kwi notyalo ngayo ngokukhawuleza. Izalathisi zibonisa yokuhlawula amatyala ngayo kwinkampani ye-inshorensi kufuneka ukutsala inkxaso-mali eyongezelelweyo esuka ngaphandle.

Ukongeza, ukuba ngokuhlalutya ubume ukuhlawulwa, enika ukuqonda oonobangela yayo kunye nemigqaliselo kufuneka uhlawule ngokupheleleyo. Kwakhona uphumeza yokubala uphawu kaThixo yokuhlawula amatyala ratio kunye capital nokwanela.

2. Izalathisi ze inzuzo kunye nelahleko.

Buyela kwi-asethi ukunceda ukuqinisekisa inqanaba inzuzo inkampani kwinkonzo enikelwa. Ukubalwa ngokulinganayo ilahleko ukuvavanya umgangatho iindleko ukuba insurer echitha ekugcineni umsebenzi wayo. Ucazululo ngokupheleleyo iingeniso ezivelayo kwinkampani ye-inshorensi ukuba iintlawulo inshorensi, kwakunye ukuhlawula iindleko zabo kwemihla yakhe yokwenza ushishino.

3. Ukwenziwa-nkqubo yotyalo-mali.

Ngoncedo kwezalathisi ezifanelekileyo kuqikelelwa yophuhliso iinkampani ze-inshorensi, ROI, kwaye ahlalutye iimpembelelo abo iinkalo zezinto ezenziwa apho kahle.

Awukwazi uxhomekeke kuphela izimvo zoluntu

Rating of iinkampani ze-inshorensi - sisiphumo ukubala oluxandileyo, kuquka phantse zonke neziphawuli uyakwazi ukucinga yokuhlola kwinkampani ye-inshorensi. Ukuqhuba wasiqwalasela ezinjalo kufuneka bazibandakanye ziingcali kuphela.

abantu Poll malunga uluvo lwabo malunga iinkonzo kwinkampani yeinshorensi ethile - yinto nto nje oluncinane yinkqubo ende kwaye onzima ukuba kufuneka enze ukudala emagqabini njongo ngokwenene.

Kufuneka baqonde ukuba xa usenza udliwano ndlebe nempembelelo kakhulu kwiziphumo iye into zabantu. Abantu bakholisa ukuba baphenjelelwa zentengiso, ukunyanzelisa imboniselo. Okt kuhlalutywa iinkampani ze-inshorensi, okurhafisa Abantu azifanele kujongwe kuphela oyinyaniso.

Inkampani yeinshorensi isenokungabi ngeyona, kodwa ngenxa amaphephandaba, iimagazini, umabonakude kunye nezinye iindlela zokuthengisa yi abantu ukuze bafumane uluvo ubuxoki inokuthenjwa.

Phambi naziphi na izigqibo kufuneka bahlalutye kakuhle zonke iinkampani ze-inshorensi. Ukuthembeka Rating, oluqulunqwe ngokusekelwe amanani ezichanekileyo, bakwazi ukumisela ziinkokeli zentengiso ngokuchanekileyo.

Cinga indlela inkampani yeinshorensi wayigqiba kunyaka ophelileyo kwaye oye wabonakala kule TOP.

Rating neenkampani ze-inshorensi ngokungqinelana neziphumo ka-2014

Emva kokuhlalutya iziphumo, eyabonisa inkampani yeinshorensi ngo-2014, sinokugqiba ukuba kunyaka ophelileyo kwakunzima ukuba yonke imarike inshorensi. Kwakungekho ezi- ngayo iifayile ezahlukeneyo ngokwengeniso ayizuzileyo, utshintsho kabukhali isikhundla xa kuthelekiswa amanqaku ka-2013.

Ukuba thelekisa umthamo-inshorensi ezifunyenweyo (eziinkozo kuhlawulwa-inshorensi), iinkokeli amathathu ukubonisa iziphumo ezincumisayo kwimarike Russian, wahlala apho eqongeni.

Indawo yokuqala wathathwa inkampani yeinshorensi "Rosgosstrakh", nto leyo 105,2 billion engange. Eyesibini uya SOGAZ kunye imali engange 105,2 billion, ngoxa kwindawo yesithathu lugcinwa chu "Ingosstrakh", nelawula ukuqokelela-inshorensi kule mali engange 65.8 billion.

Xa sihlalutya isakhiwo yengeniso yabo, kunokwenziwa isigqibo sokuba isixa likhulu mali efunyenweyo ngenxa ukuqukumbela izivumelwano kwi-inshorensi ngokuzithandela.

Ngu umthamo iintlawulo, leyo yenye yeempawu ezibalulekileyo ukuba iinkampani ze-inshorensi, ezintathu eziphezulu zazo. Kwindawo imali lokuqala kwinkampani ye-inshorensi "Rosgosstrakh", nto leyo eyenzeka umonakalo engange 55.1 billion. Indawo yesibini neyesithathu, ngokulandelelana, "Ingosstrakh" kunye SOGAZ.

Xa siqwalasela umthamo iintlawulo ngokunxulumene iipremiyamu nomphumela inshorensi, indawo yokuqala iya kuba UK "Alliance", "Ingosstrakh" kunye UK "Imvume".

Ngo-2014, inkampani ye-inshorensi "Rosgosstrakh" ikhokelele kwinani amabanjwa iimvumelwano. Nam ngaphezulu okanye ngaphantsi, wakwazi ukuba ukugqiba kubo imali million 34,5. Indawo yesibini yi "Alpha Insurance", nto leyo waqukumbela izivumelwano million 11.8. indawo yesithathu eso sathathwa inkampani yeinshorensi "RESO-Guarantee", nto leyo waqukumbela izivumelwano ngaphezulu kwezigidi ezi-8.4.

Ukuba ngo-2015 ngoku kwaye yintoni na uqikelelo?

Iingcali qaphela unciphiso kakhulu kumsebenzi client. Kubangelwa le meko ekudodobaleni uqoqosho ekwindla GDP. Eneneni, uphelelo engange hit kakhulu kucebisa abantu abaqhelekileyo, yaye izakhiwo zamashishini awohlukileyo, ukuba ahlangule iimveliso ezivela kwamanye amazwe.

Ngokutsho uqikelelo, zimbini kuphela iintlobo zeenkonzo inshorensi iya kukwazi ukugcina ngo-2015 nokurhafiswa iinkampani ze-inshorensi: ubomi CTP.

Abantu abaninzi bakholelwa ukuba imarike bakubaleke, kunye neenkampani ezininzi ezinkulu bayavuma ukuba ngokoqobo iifem ezincinane sakusasa ezinikezela ngeenkonzo ze-inshorensi. Oko kukuthi, kukho isimo yokudityaniswa yemarike ngeendleko zokufunyanwa.

Oku, umzekelo, kubonisa uhlobo inshorensi njenge CTP. inkampani yeinshorensi Rating "Rosgosstrakh" kwisiqingatha sokuqala ngohlobo iinkonzo inshorensi yenyuka xa kuthelekiswa nexesha elifanayo ngowama-2014. Ukuba isabelo yale nkampani e ekunyanzelekileyo kuyo kunyaka ophelileyo inshorensi woxanduva yoluntu yomqhubi yaba 29.5%, ngoku idlula 36%.

Kodwa xa sihlalutya ukukhula iintlawulo CTP, inshorensi inkampani rating of SC "RESO-Guarantee" nako kuye kwaphuculwa. Ngoko ke, ngo-2015 kwenzeka ukuba anyuse imali iyonke yeefizi yi-48,5%.

Ngo-2015, imarike kuyaphela coarsen

Kwisiqingatha sokuqala share lilonke lentengiso iinkampani ze-inshorensi, ezifakwe kwi-top ezilishumi, eli nani lenyuswa laya kwi 77%, nto leyo ithetha ukuhlanganiswa emarikeni.

Ukuba ufuna ukwazi ukuba ukusebenzisana-inshorensi ethile, kungcono ukufunda rating. iinkampani okanye i-inshorensi capital St. Petersburg unokuba isixa ezahlukeneyo iipremiyamu eqokelelwe imeko ezahlukeneyo yengingqi, nto leyo ebonisa izinga iyonke lokuhamba yomxhasi. Kulo mzekelo, uhlalutyo kakuhle ezirhuqwa iya kuthathela ingqalelo oku nokuqonda into zonke inkampani yeinshorensi nakuwe.