Inshorensi Mutual - a non-ngeniso uhlobo lombutho lengxowa-inshorensi

inshorensi Mutual - yenye iintlobo wokhuseleko, ngokusekelwe kwisivumelwano zembuyekezo ilahleko ekungenwe ngengozi. Oku kwenziwa nge-mali ekhethekileyo eliquka iminikelo. Inshorensi imibutho yoluntu, nenoxanduva ekwenzeni imisebenzi eyahlukeneyo.

indalo imveliso

inshorensi Mutual yindlela ethandwayo ukuze kwakhiwe iimveliso ahambelanayo. Elichaza ukuba kunokwenzeka ukuqaqambisa ezinye iinkalo nkqubo:

• Association of Finance abadlali abaphambili;
• Education Foundation ejonge Union joint;
• akukho namnye amalungu mbutho akakwazi ukulahla sezimbiwa yedwa;
• Amalungu anelungelo lokuba ukulawula;
• ukuba noxanduva lokuhlawula ezi zibophelelo.

inshorensi Mutual ibandakanya kwiqela kwezibonelelo nabo babe neenjongo ezifanayo malunga nokuphunyezwa kwe self-unomdla indalo. Lo mbutho usebenza kwi lungiselelo, ngeendleko zabo.

Ubunini ukusuka nxaxheba enye ingena entlanganweni. Ngoko, umnini-nkqubo yonke inxaxheba ukuyilwa kwemveliso. Kule fomu ukusebenza umgaqo kuphindaphindeko, leyo ukusebenza kwi ilungelo mutual ezikhoyo kwi Fund.

Le peculiarity yale ndlela kukuba umntu abe zombini inkonzo umxhasi a kunye nomnini-mali imisiwe ngenxa yesivumelwano. Ngoko kukho ubudlelane abathile phakathi zeinshorensi kunye insurer.

Ukusetyenziswa kwe-mali lwenziwa ngokusebenzisa izigqibo kunye intlanganiso jikelele. Uxanduva ephambili ilala ne-inshorensi - umbutho. Kodwa kwezinye iimeko, ukuba ingxowa-mali unganelanga baphumeze izibophelelo, amalungu fund kuthwala uxanduva ezizalwa ekubulaweni yayo.

Russia liyithatha uhlobo lombutho of a non-ngeniso. Eyona njongo yayo iphambili ekuphumezeni misebenzi ukuyilwa imveliso yayo.

Ngoko ke, kubonakala ukuba indlela uba isiseko imisebenzi kwiinkampani, ezo ziqhutywa ngeendlela ezahlukeneyo inshorensi efanayo. Emva lokusekwa imveliso ithengwa uluntu apho livela ilungelo lokusebenzisa xa kufikelelwe izivumelwano kwangaphambili. mithetho zingenzeka kuphela efanayo SK ojongene ngqo kunye namalungu ayo. Kwiziko ezifana abakhi inshorensi zinganikwa umzekelo yombutho.

Iimpawu ze shishino ekuqaleni wophuhliso lwawo

Cinga ezinye iimpawu ezi zilwanyana.

1. Ilungelo kwi-inshorensi akukho isiseko ngohlobo lwentlawulo, njengokuba kubhaliwe wadala kuphela emva kokuvela ilahleko.
2. Akukho mbutho eyodwa ejongene kuphela kunye nemfundo yakhe.
3. Le mveliso senziwe kunye.
4. Onke amalungu abo yinxalenye yoluntu, banoxanduva nokubunjwa kwayo.
5. Uyilo kwenzeka kuphela emva kokuba kwenzeka isiganeko inshorensi.

Nge ngaphambi fund Ukwakheka

Ukwenzela ukuba kufikelelwe uzinzo nokuthembeka inshorensi baqalisa ukwenza ingxowa-mali kwangethuba. Ngoko ke, ukuba ubukhulu enkulu kuqinisekisa ukubuya kuthetha kunye nelahleko. Le nkqubo yaba nobunzima kakhulu xa kwimeko sebhodi. Ke kwabakho imfuneko kumbutho elungiselelwe zemfundo ezizodwa-mali inshorensi. oko kungenziwa eziqhutshwa kwintlanganiso jikelele. Kodwa ubunini-mali liphunyezwa ngokungqinelana izivumelwano ezisayiniweyo.

ulwazi zembali

Olu hlobo inshorensi ayikho enye. Wayesaziwa kumaxesha amandulo. Le inshorensi kwabelwa kwizigaba ezininzi:

• Iilahleko zokusasaza bawa ukuba umntu omnye okanye ngaphezulu;
• SK isahlakalo yokujongana nalo njengoko umsebenzi omkhulu;
• inxaxheba kurhulumente.

Ukuqaliswa kuzo zonke izigaba

Njengoko kukhankanyiwe ngasentla, ekuqaleni kwakungekho imibutho benza lo msebenzi, kwaye imveliso ehambelana wabonakala kuphela emva kokuvela isiganeko inshorensi. Kodwa ngokuhamba kwexesha, saqalisa ukusebenza nenkampani wadala ngokukodwa, eye ukusetyenziswa kwayo.

Inkampani yeinshorensi yokuqala intsukaphi eMelika ngo-1735. Le mbono isuka ngabathengi, ngoko ke urhulumente ekuqaleni akazange athathe inxaxheba kulo. It ukulawula kule ndawo kuphela. Kodwa ke waba nomdla ziko kunye nezoqoqosho.

Kwaye yintoni ke?

Okwangoku, le ephilayo eliqhelekileyo. Inani lemibutho ziye zanda ngokukodwa kwiminyaka yokugqibela eSoviet Union. Ukuza kuthi ga ngoku, i-inshorensi impahla kumazwe ahlukeneyo ababandakanyekayo yinxalenye ngayo leenkampani.

1. 50% yemarike.
2. 40% e-Finland.
3. 30% kwi-US.

Yinto eyaziwayo iiklabhu, ukudala kwinkampani yeinshorensi efanayo.

Ngaphezu koko, kukho imibutho inshorensi impahla kwimililo kunye nezinye iingozi. Kuba ukutshintshisana ngolwazi kunye kwezigqibo malunga nemiba ethile kufuneka abe lilungu lweemanyano, kokubini kumanqanaba kazwelonke nawehlabathi.

Development eRussia

inshorensi Mutual eRashiya phambili ngokuthe ngcembe. Le nkqubo lungahlulwa-hlulwa izihlandlo eziliqela. Okokuqala, i-Institute kuphela kwakhiwa. Ke yonke imibutho ababandakanyekayo kulo msebenzi esaba. Emva koko, baqalisa ukuba ngendlela sikweni. Kodwa ngoku imisebenzi yabo inkxaso kwinqanaba mthetho.

Kwimeko nganye kwezi maxesha urhulumente iye lithathe inxaxheba ekuphunyezweni Institute kweli kuluntu ngokubanzi. Ngelo xesha nye Wesuka ke abaninzi oluntu ngokwamanqanaba zasekuhlaleni kunye yamacandelo.

Ngethuba ukutshona uphuhliso, ngenxa yezizathu ezicacileyo, iye yayeka. Kwaba akuzi kuphela endle inshorensi, kodwa kuwo onke amacandelo ezoqoqosho. Kwixesha elizayo, ukuba benze iinguqu apho, urhulumente owakubhangisayo okunene bodwa zaso kweli hlobo lomsebenzi. Umthetho weza ukusebenza, olawula inshorensi efanayo kwixesha lokugqibela kutshanje. ERashiya, imisebenzi eyenziwa ngaphandle ziinkampani ezizodwa.

Le nkqubo ukuze

Olu hlobo inshorensi iphunyeziwe imidla yawo onke amaqela.

1. Qukumbela yesivumelwano esihlanganyelweyo.
2. Le nkqubo ichaphazela kuphela umdla kwipropati.
3. umbutho oluzinzileyo unyanzelekile ukuba enze intlawulo phezu kokuvela isiganeko efanelekileyo.

umphakathi friendly

Ngoko ke, ezi nkampani musa ukuba ingqukuva uyihlawule. inzuzo ayikho umsebenzi zazo eziphambili. Kananjalo ukudala oovimba kunye ukujonga ubungakanani kwabo ngeendlela ezahlukahlukeneyo.

Ngoko ke, lo mbutho iinkampani ze-inshorensi efanayo ubonelela ukusekwa kwemibutho zorhwebo kunye non-ngeniso. Kusenokwenzeka ukuba likhona ukupheliswa kwesivumelwano okanye ngaphandle kwayo. Bona kuyo yimibutho kunye nabantu, njengamalungu zombutho kwaye azinayo le isimo.

Imisebenzi ye nkampani

Iinkampani athwale inshorensi, reinsurance, inshorensi efanayo. Bona benza broker actuaries. Kodwa ke kuqala ukwenza lo msebenzi we-inshorensi.

It luqalisa ngokuzithandela, ngenxa kwesivumelwano kunye nemigaqo apho meko zimiselwe. Le yokugqibela evunyiweyo yi yokunxulumana-inshorensi, anamalungiselelo ngomxholo andimangalele, kukuvela amatyala, iingozi, imirhumo, ibhonasi kunye njalo njalo.

Ukuqinisekisa ukuba liabilities inshorensi zolondolozo kwakhiwa, enokusetyenziselwa kuphela ekuphunyezweni iintlawulo ezifanelekileyo. Abakwazi lungarhoxiswa ubabalo-mali ye-Federation okanye izifundo zayo.

Ngaphambili, abantu abayithandayo inshorensi zobutyala yoluntu akwazi ukusebenza ngaphandle mvume. Noko ke, ukususela kowe-2007, emva kokuba ulwamkelo umthetho, imibutho kufuneka ufumane ilayisensi.

Eyona misebenzi iphambili kule ndawo zimi ngolu hlobo lulandelayo.

1. inshorensi yobomi.
2. iiklabhu zokuhamba.
3. namachibi Industry.

ERashiya, oku kwakhona ngumbutho eqhelekileyo, ejolise abaphuhlisi ukuthwala inshorensi.

iiklabhu zokuhamba

Olu hlobo kwenzeka amaninzi. Eyona idumileyo phakathi kwazo ezi iiklabhu zaselwandle inshorensi liability efanayo. Protection apha ngaphezulu ngenxa yokuba:

• Kwafuneka ezizodwa ulondolozo inkqubo kunye likaxakeka nooSomakhonkco ;
• Kukho ubungozi kunye ibinzana eliphezulu ixabiso kunye nokuphunyezwa encinane;
• imali iphumelele, ukuba uthathe ingqalelo thina eliphakathi nexesha elide.

Le club yokuqala ezazilapha kule ngingqi ngo-1855. Namhla siyazi malunga 70 imibutho ehlabathini. Inkokeli phakathi kwabo kumi Bermuda Shipowners Association UK nakuMntla Ireland. ERashiya, ngokutsho imithetho lombutho osebenza Ingosstrakh.

Kuzo zonke iiklabhu ipolisi ye-inshorensi ngonyaka ukususela ngoFebruwari 20 ukuya kwiiyure ezili-12. Isiseko esi sivumelwano okhethekileyo. Ngokutsho kwakhe ipolisi ye-inshorensi uphela ukusebenza kwayo ngexesha elifanayo kunyaka wekhalenda olandelayo.

namachibi imboni

Enye inkqubo indlela efanayo namachibi shishino. Okukodwa yabo ngolu hlobo.

1. Imingcipheko apha, nangona akunakwenzeka, kodwa zibe neziphumo ezibi.
2. ngokungalingani zisasazwe. Ngaphezu koko, akukho iinkcukacha eziyimfuneko ukuze yokuqinisekisa. Ngoko ke, i ukutyabeka ngokwaneleyo zinokuphunyezwa ubudlelwane okudada xa kuphela.

Ngo-Russia, i-anti-ubugrogrisi inshorensi pool eyaziwa kunye core ahambelanayo.

Phakathi kwezinto ezimbi kweli ziko zezi zilandelayo.

1. Njengemali oyifaka kwiingxowa-inshorensi kufuneka imali elingenammiselo.
2. Ipotifoliyo kakhulu ezizodwa ngenxa into iingozi ukugeleza,.

inshorensi double

Ukongeza iintlobo ngasentla, enesihloko ukuze abanye indlela.

Ngoko ke, oko unako ukusebenza Russian uluntu yabathengi -inshorensi efanayo. Kodwa ngaphandle imisebenzi ukwahlula oko kwezinye iintlobo ezithile. Maxa wambi udidekile, kunye ne-inshorensi nokuhloniphana kabini. Oku kuthetha ukwenza isivumelwano ngesinye isihlandlo kwaye ngexesha elinye kwiinkampani ezininzi. Ukuphumeza oko inshorensi ayiphelelanga. Ngoko iinkampani ziyinxalenye intlawulo. Abanye baye baqhuba ekuthiwa-inshorensi olongezelelweyo. Iimpawu yale hlobo ukwaziwa into. Ukongeza, oku kunjalo kwaye ixesha i-inshorensi, kwakunye njengoko ubukho yayo kwiinkampani ezininzi ngexesha elinye.

Kuyaphawuleka ukuba eli ziko akuvumelekanga kwamanye amazwe. Ngoko, xa efumanise oku, omnye mvumelwano iya kuthatyathwa njengengekho mthethweni. Noko ke, kumazwe amaninzi kwiziko avunyelwe. Oku kungenxa umnqweno ukwandisa network. Kodwa isimiso esifanayo apha, ngaba olu hlobo okanye kusetyenziswa phi. Ihlala yokuba iyonke imali ehlawulwayo mazingabi ngaphezu ixabiso-inshorensi. Kufuneka kube kwakhona ngaphezulu kwe ukulahlekelwa ngenxa kwimeko leyo.