Insurance Iphothifoliyo - yintoni na le nto? Indlela emayenziwe ngayo iphothifoliyo inshorensi

Ukusebenza Umsebenzi yenkampani umiselwa yokusebenza iziphumo zemali kuzo zonke izinto. Oku kuchazwe ngokohlobo inzuzo okanye ilahleko. Eyokuqala umthombo yokwanda eyinkunzi kunye nokuphunyezwa izibophelelo abatyalwayo kunye nebhajethi. Ekuhambeni ishishini, inkampani yeinshorensi lenza imisebenzi emininzi: ikhontrakthi, umyinge ukubala, oqokelela iminikelo, ithathela kuyo uxanduva, yakha zolondolozo, utyala nokungenisa imali. Ukuze enze ezi zenzo intlangano ifuna imali.

definition

Omnye neziphawuli okuluphawu ucwangco lwemali inkampani, unephothifoliyo ye-inshorensi. Le iseti kwezivumelwano mali ezithile. Enyanisweni, oko kubonisa izibophelelo yenkampani kubathengi bayo. Ukudala ipotifoliyo ezinzileyo yeyona njongo ibalulekileyo lombutho. Ukususela ubukhulu yayo ixhomekeke iqondo uxanduva ukwamkela ubume contract. Ukuze kuqinisekiswe uzinzo omabini obengo kukudala unephothifoliyo ye-inshorensi kunye nenani elikhulu zentengiselwano abanesidanga phantsi uxanduva. nokubuyisela kufuneka kuchaphazela imeko yemali yenkampani.

izinto

Inani lezivumelwano ayikho kubonisa isikhundla izinzile. isabelo Ingonyama ngayo abathengi okunokutsalela ngayo ngokuzinikela amaxabiso asezantsi. iphothifoliyo inshorensi ezinkulu ithetha imali ephezulu zamatyala. Kodwa ukuba amazinga asezantsi, imali eqokelelweyo kunokunganeli ukuze ahlawule.

Kwelinye icala, isixa esikhulu ukuzinikela iya kuvumela yeinshorensi ukutyala izinto eyingozi. Ukuba inkampani iquka ngemvumelwano elifutshane elide, iintengiselwano zayo kuxhomekeke kwiimfuno ezongezelelweyo - amatyala eliphezulu. Lo mbutho kufuneka bakwazi, ukuba kuyimfuneko, ukuze uqonde ngokukhawuleza impahla kunye ukuhlangabezana nezibophelelo zawo.

Umgangatho portfolio inshorensi

Esi salathisi luphawulwa kwezi nkalo zilandelayo:

• Size, oluquka inani izivumelwano ezisayiniweyo kunye nemali yazo iyonke.
• Sifane kahle. Le ukungafani nezinyanzeliso phantsi ubungakanani encinane ipotfoliyo kungakhokelela kwiziphumo engalindelekanga. Kweentengiselwano ezinjalo, akunakwenzeka ukuba ukusebenzisa izibalo analysis iipateni zamanani. Unobangela kozinzo kwakhona kukhokelela nokwamkelwa linani elikhulu imingcipheko efanayo.
• Ibhalansi - umlinganiselo phakathi kwenani kwezivumelwano ezindala kunye ezintsha wenza. Ngokusesikweni, a intengiselwano omtsha kufuneka ukubuyekeza ngokupheleleyo engaphambili, ukungqinelana yentsalela-mali esilindelweyo isixa umngcipheko.
• Uzinzo - inani izivumelwano eziya kuhlawulwa de ekupheleni kwekota kwabo.

Uhlalutyo yephothifoliyo inshorensi kufuneka kwenziwe ukuze kuhlolwe zemali amandla kwaye ulungise nesakhiwo sayo, xa kukho imfuneko.

Ukudluliswa ubungozi

Iphothifoliyo inshorensi bale nkampani kwisithuba ngexesha eyahlukileyo ibandakanya eyona mali uxanduva umohluko. Ukunciphisa imingcipheko imibutho ukuba reinsurers sakujika. Inkampani imisela umda ukugcinwa ngokungqinelana kunye namaqela umngcipheko izakhono zabo. abasemagunyeni babeka inani eliphezulu uxanduva lobuqu umbutho mali ka-10% ngayo imali yakhe. Ezinye iinkampani kufuneka ukuba uhlawule reinsurance. kodwa lubonakala kumgangatho ophantsi mali yaye, ngokunjalo, imfanelo umda ukuba imarike Russian.

Abapasa ubungozi, umbutho kunciphisa ubungakanani-mali, nto leyo enika uzinzo kwezemali imisebenzi. Oku kuyinyaniso ngakumbi ukuba izakhiwo ngokutsha apho kwipotfoliyo inshorensi akufuneki aphuhliswe ngokwaneleyo. Ukuthatha inani elikhulu iingozi ezifanayo, inkampani unako ukungena imeko kummulirovaniya ngaxeshanye xa zonke izibophelelo kufuneka yokugubungela kwangoko. Ukuziqhelisa, oku kubangela ukuba yimali bemibutho, njengoko ngenxa intlawulo mali efunekayo kuphela koovimba, kodwa ikomkhulu nkampani. Ngoko ke, lo ipotifoliyo-inshorensi - umthombo lwezibonelelo, umgangatho elandelwayo exhomekeke isakhiwo uzinzo lwemali mbutho.

buhle

Ukutshintshelwa uxanduva ivumela ukuba ukusombulula yinxalenye yengxaki;

• Ukuhlawula umonakalo nengozi enkulu kakhulu ukuba iye yakhula ngenxa isiganeko avela. Ngokomzekelo, xa kwimeko ubhubhane kwenzeka olwenzeka ukuba sele kuyingozi kakhulu-inshorensi, njengoko kwandisa iindleko zawo.
• Ukuze uzinzise umsebenzi wombutho ixesha elide emva kokuba iziphumo ezibi kulo nyaka.
• Ukwandisa ukhuphiswano emarikeni.
• Yakha ipotifoliyo inshorensi elungeleleneyo.
• Ukuqinisekisa ukhuseleko-asethi.

ukushiyeka

Iphothifoliyo-inshorensi yingqokelela izivumelwano saphetha. Nangona izinga lobungozi kusenokuba phezulu phambi kokuba kudluliswe enye inxalenye izibophelelo yenkampani, kuyimfuneko ukuhlola iindleko-ukusebenza sigqibo. imisebenzi Reinsurance yenziwa kwi ngentlawulo. Imirhumo kufuneka ihambisane isabelo uxanduva ezisasaziweyo. Into ebalulekileyo kwakhona ukuzimisela inqanaba lotsalo, obo kuxhomekeke zemali umthamo kunye inzuzo imisebenzi. mda Overvalued kukhokelela kukungazinzi zemali, lisezantsi kakhulu - a non-ngeniso.

isakhiwo

YokuGqithisela umngcipheko omnye umbutho omnye kuxhomekeke kuphela ukuba imizimba kweliso karhulumente. Ngaloo isakhiwo ipotifoliyo inshorensi kufuneka kubandakanye:

• nezibophelelo phantsi ehambelana oovimba ndakubumba;
• asethi zabanjwa yokugubungela imingcipheko.

I-inshorensi ithumela ipotifoliyo kwenziwa ngexesha isigqibo. Kwakhona kuquka ukuzinikela izivumelwano oluqhubekayo kunye nabo apho ixesha liphelile, kodwa izibophelelo azifikelelwanga sizaliseke ngokupheleleyo. Ngokutsho iingozi into ethile idluliselwe inshorensi omnye.

Ixabiso lempahla nga kuyilwa oovimba alinganayo okanye abe ngaphantsi kwe kubo. Iintlawulo zivumelekile kuphela ukuba ngaba ngaphezulu umahluko phakathi namafa adluliselwe kunye ikomkhulu nkampani. Olu tyando aluvumelekanga ukuba isixa mafa ngaphantsi kwesiqingatha loovimba abathuthwayo. Le Okungumahluko ungonakala yenkampani. Kwimeko yokusilela-asethi zidluliselwe intsalela ukufumana imbuyekezo ngokuhlanganisa insurer. Umthamo ntlawulo imiselwe imithetho yase. Ixabiso le-asethi silingana nexabiso lazo incwadi okanye ixabiso emarikeni.

Izizathu malunga nezivumelwano wotshintsho

Ezininzi kubo:

• ukurhoxiswa-mvume ukuze benze imisebenzi ngenyathelo kwegunya okugada;
• kwimeko isigqibo sokuba ndithengise mbutho kuxhomekeke lilonke transfer portfolio inshorensi kwenye inkampani;
• waphula umthetho iimfuno yokuhlawula amatyala ezibangelwa zikwimeko mbi zemali lombutho, ukuba transfer kwipotifoliyo olunikiweyo isicwangciso amatyala wobuyiselo;
• isigqibo malunga kukulahlwa ngokuzithandela izinto ezithile;
• ngaphandle kwale nkampani iimanyano inshorensi kwiimeko ezichazwe ngumthetho.

isiphelo

ipotifoliyo Insurance imele inani izivumelwano mayisayinwe mali ethile. Yeyona nto iphambili kwemali. Kodwa kungabangela umbutho ungonakala kunye nezigqeba zolawulo abahluphekayo. Ngoko ke, kubalulekile ukuba ukudala isasaze imingcipheko kunye noxanduva phantsi iimvumelwano. Noko ke, iinkonzo reinsurers 'ayizo free. Ngoko kuyimfuneko ukuba ukuhlola iindleko-ukusebenza intengiselwano phambi esiphelweni sayo. Le nkqubo ngokwayo ithatha indawo phantsi kolawulo olungqongqo kurhulumente.