Mutual inishuwarenzi - asiri purofiti kwesangano rweinishuwarenzi Fund

inishuwarenzi Mutual - mumwe nzira yokudzivirira, inobva chibvumirano pamusoro muripo zvokurwadza chakakonzerwa namaneja tsaona. Zvinonzi chinozoiswa kuburikidza mari chaiyo rinoumbwa mipiro. Insurers sangano vanhu, riri basa aurayiwe pakuvhiya kwakawanda.

chigadzirwa kusikwa

inishuwarenzi Mutual inzira inonyanyoshandiswa kuti paumbwe runoenzanirana zvigadzirwa. Kurondedzera zvinoita kuti zvimwe zviri izvi:

• Association of Finance huru vatambi;
• Education Foundation projecting mubatanidzwa joini;
• hapana nhengo dzesangano haagoni kurasa zvinhu zvayo yoga;
• Members vane kodzero yokuti vatarisire;
• ivo mhosva nokuda mitoro.

inishuwarenzi Mutual kunosanganisira pooling mari nevaya vane vavariro pamusoro Implementation youdyire zvinhu zvakasikwa. Sangano iri anoshanda pamusoro urongwa uye mari yazvo.

Zvarinoroora kubva ubatanidzwe achipinda pejoinhi. Saka, mumwe mutemo pedhi tinogona kubatanidzwa paumbwe zvigadzirwa. In chimiro ichi yokushanda nheyo reciprocity, iyo chinozoiswa pamusoro yakawiriranwa kodzero riwanikwe Fund.

The peculiarity kuti nzira iri kuti munhu anogona kuva zvese vatengi uye muridzi mari akamisa pahwaro chesungano. Kunewo vamwe hukama pakati insured uye insurer.

Kushandiswa mari rinoitwa pachishandiswa kwemajoini sarudzo nenzira zvayo musangano. Huru basa riri pamwe insurer - sangano. Asi mune zvimwe zviitiko, kana mari iri kushomeka aite wazvipira, iyo mari nhengo kutakura chikamu kuita ayo kuurayiwa.

Russia anorangarira kwesangano chimiro asiri purofiti. Its chinangwa chikuru mune Implementation zvinhu ndiyo paumbwe wayo chigadzirwa.

Saka, zvinoita sokuti nzira anova hwaro mabasa makambani, izvo kunze dzakasiyana siyana inishuwarenzi tose. Pashure paumbwe chigadzirwa achitengeswa umo kodzero yokushandisa rinowanika padzinosvikwa zvibvumirano pachine. Mitemo yakadaro zvinogoneka chete nokuda yakawiriranwa SK pakubata zvakananga nhengo dzayo. In dzakadaro sangano sezvo vavaki inishuwarenzi inogona kupiwa muenzaniso sangano.

Zviri indasitiri pakutanga kwayo budiriro

Funga zvimwe zviri zvipenyu ichi.

1. The kodzero chigadzirwa inishuwarenzi hahutsigirwi muchimiro muripo, sezvazvakanyorwa wakasika chete pashure panowanikwa kurasikirwa.
2. No rinokosha sangano pakubata chete nedzidzo yake.
3. The chigadzirwa akanga kunotangira pamwe chete.
4. Nhengo All vari chikamu vanhu, ndivo ayo inotungamirwa.
5. The marongerwo anotora nzvimbo chete pashure chiitiko insured kunoitika.

With risati inotungamirwa Fund

Kuti tidzikamiswe uye rakavimbika insurers akatanga kuumba Fund pachine. Saka, kuti mukuru zvakadini izvozvo runovimbisa kudzoka zvinoreva kurasikirwa. The hurongwa zvakava yakagozha kupfuura zvakaitika marongerwo. Zvino kwakanga kuchidiwa sangano rakazvipira kuva inokosha dzidzo inishuwarenzi Fund. inogona kushanda panguva zvayo pamusangano. Asi muridzi wenyika mari chaitwa maererano vakasaina zvibvumirano.

nhoroondo mashoko

Izvi mhando inishuwarenzi haisi itsva. Aizivikanwa dzekare. inishuwarenzi Izvi dzinounzwa mumatanho akawanda:

• kuparadzirwa Nokurasikirwa vawa mumwe munhu kana kupfuura;
• SK panowanikwa neizvi sezvo huru basa;
• kutora mukana weHurumende.

The Implementation mumatanho zvose

Sezvataurwa pamusoro apa, pakutanga kwakanga kusina masangano tichiita basa iri, uye unoenderana chigadzirwa akazviratidza chete pashure panowanikwa insured chiitiko. Asi nokufamba kwenguva, takatanga kushandisa imwe zvikuru akasika kambani, ine kushandiswa kwayo.

kambani inishuwarenzi rokutanga dzakatangira America muna 1735. Pfungwa rakabva zvinogona vatengi, saka hurumende pakutanga havana kutora chikamu mune ichi. It chete chengetedza nzvimbo iyi. Asi zvino ava kufarira tsika uye mari.

Uye chii zvino?

Pari, mhando iyi zvakajairika. Kuwanda masangano kwakawedzera kunyanya okupedzisira makore Soviet Union. Kusvika panguva pfuma inishuwarenzi munyika dzakasiyana kwaisanganisira anoyevedza chikamu makambani.

1. 50% of musika.
2. 40% muFinland.
3. 30% muna US.

Zvinonyatsozivikanwa netsvimbo, nokusika kambani inishuwarenzi ane yakawiriranwa.

Uyezve, pane masangano inishuwarenzi pfuma pamusoro moto uye dzimwe njodzi. Nokuti kupanana ruzivo uye zvekuita pane dzimwe nyaya vanofanira kujoina mibatanidzwa, zvose paNational uye dzakawanda mumatunhu.

Development muRussia

inishuwarenzi Mutual muRussia yakatanga zvishoma nezvishoma. Izvi zvinogona kukamurwa akawanda nguva. Chokutanga, Institute chete kuumbwa. Ipapo zvose masangano vanobatanidzwa mubasa iri vakanga chapedzwa. Pashure paizvozvo, vakatanga kuva zvisina nzira. Asi ikozvino mabasa avo anotsigirwa zvemitemo chechetere.

In nechimwe izvi nguva mamiriro rave proactive muna Implementation of Institute iri vakwanise muvanhu. Panguva iyoyo zvakanga akasimuka uye dzakawanda vanhu panguva vemo uye sectoral mumatunhu.

Panguva liquidation pakukura, nezvikonzero pachena, hazvina yamira. Yakanga vakapinda kwete chete mumunda inishuwarenzi, asiwo vose zvoupfumi sectors. Mune ramangwana, kana kuti aite zvinhu, hurumende Akabvisa chindingindingi yaro iri mhando yebasa. A mutemo akapinda simba, iyo inodzora yakawiriranwa inishuwarenzi okupedzisira achangopfuura nguva. MuRussia, mabasa vakatakura namapoka inokosha.

The hurongwa nzira

Izvi rworudzi inishuwarenzi iri rakatangwa muna zvido zvose mapato.

1. Pedzisai munhu seboka kubvumirana.
2. Kwacho rinokanganisa pfuma zvido chete.
3. sangano Wakasimbiswa vanosungirwa kuti mubhadharo pamusoro panowanikwa kuMudzidzisi chiitiko.

noushamwari vanhu

Saka, makambani aya havana akabhadhara kumusoro guta. Tingawaneiko haisi basa ravo huru. Vanogonawo pave reserves uye kuti vaone kukura kwavo nzira dzakasiyana-siyana.

Saka, sangano makambani inishuwarenzi namazano anopa pakagadzwa ezvokutengeserana uye asiri mubereko neshamwari. Vanogona kurarama nokuguma chibvumirano anokosha kana pasina izvozvo. Vari wakapindwa nemasangano uye vanhu, sezvo nhengo dzesangano uye vasina mamiriro ichi.

Basa boka

Makambani takura inishuwarenzi, reinsurance, yakawiriranwa inishuwarenzi. Ivo vari kuita nevaichinja uye actuaries. Asi kutanga dzinoita basa ichi insurer.

It ari chinozoiswa iri yokuzvidira hwaro, pahwaro chibvumirano uye mitemo apo mamiriro ezvinhu takatsunga. Wokupedzisira aifarirwa nevanhu insurers, ane urongwa panyaya uye chinhu, panowanikwa kacho, njodzi, mari, bonuses uye zvichingodaro.

Kuti vave nechokwadi kuti munataisireva inishuwarenzi vari vakaumba reserves, izvo chete inogona kushandiswa iri Implementation kuMudzidzisi kubhadhara. Havagoni kutorwa muchifarira bhajeti iri Federation kana vahwo.

Kare, nzanga yakawiriranwa inishuwarenzi yevagari kuita aigona kushanda pasina kutyora. Zvisinei, sezvo pakati-2007, pashure kuitwa nemurairo, masangano vanosungirwa kuwana rezinesi.

Huru mabasa munzvimbo iyi ndeinotevera.

1. inishuwarenzi Life.
2. Transportation makirabhu.
3. Industry madziva.

MuRussia, zviri Zvinowanzoitikawo sangano, zvainanga Developers kutakura inishuwarenzi.

Transportation makirabhu

Izvi mhando kunoitika kakawanda. Yakakurumbira pakati pavo vari makirabhu zvomumvura yakawiriranwa kuita inishuwarenzi. Protection pano ari zvakawanda Zvinosarudzwa tichifunga nezvokuti:

• Zvaida rinokosha hurongwa kuvariritira uye nechimbichimbi vezviitiko ;
• Kune dzakananga njodzi uye yakakwirira kuratidzana mutengo shoma Implementation;
• mari kubudirira, kana tinofunga svikiro uye kwenguva refu.

The Club yokutanga yakavambwa munzvimbo ino 1855. Nhasi tinoziva kuti vanenge 70 Masangano munyika. The mutungamiriri pakati pavo pamire Bermuda varidzi vezvikepe Association UK uye Northern Ireland. MuRussia, maererano mitemo sangano inoshanda Ingosstrakh.

In ose netsvimbo inishuwarenzi wepagore mutemo zvinoda kushanda kubva February 20 kusvika maawa 12. Hwaro iri chibvumirano chaicho. Maererano kwaari inishuwarenzi mutemo inoguma mashandiro ayo panguva inotevera karenda gore.

indasitiri madziva

Chimwe zvakafanana mirayiridzo mamiriro vari indasitiri madziva. specificity ravo sezvinotevera.

1. Njodzi pano, kunyange kashoma, asi ave nengozi.
2. Vari unequally anoparadzirwa. Uyezve, hapana mashoko zvakakodzera kuti kuratidza. Naizvozvo, munhu unhani yakakwana inogona akaziva apo chete madziva ukama.

MuRussia, known Anti-ugandanga inishuwarenzi dziva uye runoenzanirana core.

Pakati zvinhu zvisingafadzi sangano rino ndivo zvinotevera.

1. Mipiro mari inishuwarenzi vane isingazivikanwi mari.
2. The Portfolio zvikuru specialized, nokuti chii ngozi vari akaunganidza.

inishuwarenzi kaviri

Kuwedzera pamusoro apa marudzi, nyaya mutsetse angava dzimwe nzira.

Saka, unogona kushanda mune Russian nevatengi vanhu kuti inishuwarenzi tose. Asi kunze mabasa anodiwa kusiyanisa kubva rwakati siyana. Dzimwe nguva yakanyongana, uye inishuwarenzi tose kaviri. Izvi zvinoreva kuita chibvumirano pane imwe nguva uye panguva imwe chete mumapoka akawanda. Dzika pamwe inishuwarenzi kukwana. Ipapo makambani chikamu muripo. Vamwe inoitwa anonzi okuwedzera inishuwarenzi. Zviratidzo izvi mhando ndiyo chinhu chisina kuzivikanwa. Uyezve, zvakadaro uye nguva inishuwarenzi, uyewo kuvapo kwayo makambani akawanda panguva kamwe.

Zvinokosha kucherechedza kuti sangano iri hakubvumidzwi mune dzimwe nyika. Zvadaro, pamusoro vasabatwa chokwadi ichi, mumwe chibvumirano chinofanira akaonekwa ndedzenhema. Zvisinei, munyika dzakawanda sangano vanobvumidzwa. Izvi imhaka chido kuwedzera nhau. Asi nheyo inoramba chete pano, kuti ichi mhando kana kushandiswa apo. It iri chokwadi kuti yaipedzerwa bhadharika haafaniri kupfuudza kuti insured ukoshi. Zvinofanira kuva kupfuura kurasikirwa kwakakonzerwa nhengo nyaya.