Inishuwarenzi Portfolio - chii ichi? The nemamiriro inishuwarenzi Portfolio

Kubudirira nekambani kuita pakutsvaga mabasa zvabuda nemari zvinhu zvose. It runoratidzwa muchimiro zvisingabatsiri kana kurasikirwa. Chokutanga panobva guru kuwedzera uye Implementation kuti wazvipira kuti chikwereti uye bhajeti. Nokufamba zvemabhizimisi, kambani yacho inishuwarenzi anoita akawanda anoitwa: kuti chibvumirano, kuverenga zvazvingava, anounganidza mipiro, anobvumawo basa, nokuumba reserves, ari bhizimisi kuti vaunze mari. Kuita zviito izvi sangano inoda mari.

tsananguro

Mumwe zviratidzo izvo zvaizobatsira mari chemagwaro wekambani, imwe Portfolio inishuwarenzi. Wakaisa iyi zvibvumirano mamwe zvizhinji. Kutaura zvazviri, ndizvo zvakaita chekambani mitoro yaro vatengi. Kutanga inogona kuenderera Portfolio chinhu chinangwa chinokosha dzesangano. Kubva ukuru hwaro kunoenderana dhigirii mhosvawo kugamuchirwa chesungano mamiriro. Kuti ave nechokwadi chokuti kuenderera ari ouchenjeri kusikwa ane Portfolio inishuwarenzi pamwe vakawanda kwema ane vakaderera basa. mari haafaniri kuchinja mari nzvimbo chekambani.

zvinhu

Uwandu zvibvumirano haisi anoratidza mudanga chinzvimbo. mugove makasitoma The weshumba unogona kukwezva nokupa ezasi Zimbabwe tariffs. Large inishuwarenzi Portfolio zvinoreva yepamusoro mari munataisireva. Asi kana kuri yakaderera, ari vakaunganidza mari kungasava zvakakwana abhadhare.

Ukuwo, yakawanda yacho wazvipira achabvumira insurer mari ngozi zvinhu. Kana boka kunyanya unotora chibvumirano pfupi, kwema ayo pasi dzimwe zvinodiwa - kumusoro liquidity. The sangano vanofanira kukwanisa, kana zvakakodzera, kuti nokukurumidza kuona zvinhu uye kusangana ayo mitoro.

The chatingatevedzera inishuwarenzi Portfolio

chakarurama iyi inozivikanwa muzvinhu zvinotevera:

• Size, izvo zvinosanganisira uwandu yakasainwa zvibvumirano zvavo yaipedzerwa.
• Kufanana ngozi. The heterogeneity of mitoro pasi diki kukura Portfolio kungaita kuti nezvimwewo zvabuda. In kwema zvakadaro, hazvibviri kushandisa Statistical muenzaniso ongororo Masvomhu. Chinokonzera kusagadzikana Unogona kuitwa maererano vakawanda zvakafanana njodzi.
• Balance - nhamba pakati uwandu zvibvumirano akwegura uye itsva akapedzisa. Zvakanakisa, kutengeserana itsva vanofanira kubhadhara zvakazara rapfuura ndivo, achiita zvaidiwa pakuenzanisa mari yakakodzera uye uwandu ngozi.
• Kugadzikana - uwandu zvibvumirano achaitwa kubhadharwa kusvikira pakuguma kwavo izwi.

Kuongororwa inishuwarenzi Portfolio chinofanira kuitwa kuti kuongorora mari kugona kuchinja mamiriro ayo, kana zvichidikanwa.

Kutapurirana njodzi

The inishuwarenzi Portfolio wekambani neimwe nguva nguva kunosanganisira uwandu kusiyaniswa basa. Kuderedza njodzi Masangano vari kutendeukira kuna reinsurers. The Company anosarudza Pamuganhu chengetedzo maererano nemapoka pangozi uye dzavo nezvaanogona. State zviremera akaisa kunonyanyisa uwandu pachake mutoro sangano iri uwandu 10% kubva pachavo mari. Mamwe makambani vanofanira kubhadhara reinsurance. vachiri dzinoratidzwa pasi azvipire pachake Mari uye, naizvozvovo, ari kuita muganhu kuti musika weRussia.

Kupfuura ngozi, sangano akazoita kukura mari, iyo inopa mari kugadzikana remapazi. Izvi ndezvechokwadi kunyanya nokuda achangobva akasika hurongwa umo inishuwarenzi Portfolio haisi zvakakwana yakatanga. Kutora vazhinji dzakafanana njodzi, kambani anogona kupinda mungozi mawa kummulirovaniya apo vose wazvipira kuti kufukidza pakarepo. In tsika, ichi chinokonzera kusauka masangano, sezvo nokuda kwokuripirwa mari kunodiwa kwete chete nokuda reserves asiwo guta wekambani. Naizvozvo, inishuwarenzi Portfolio - tsime zvinhu, unhu iyo kunoenderana sechivako mari kuenderera pakati musangano.

zvakwakanakira

Kuchinjwa basa kunotibvumira kugadzirisa chikamu dambudziko:

• Kubhadhara kukuvadza kwenguva mukana mukuru chaizvo kuti wamuka somugumisiro chiitiko nemafashamo. Somuenzaniso, panyaya idenda kunoitika kuwanda kuti yatova nengozi zvikuru nokuda insurer, sezvo anowedzera yayo mari.
• Kudzikamisa basa sangano kwenguva yakareba pashure akaipa zvabuda rose gore.
• Kuwedzera makwikwi mumusika.
• Vanoumba inishuwarenzi Portfolio nemaonero.
• Kuitira kudzivirira midziyo.

kutadza

Inishuwarenzi Portfolio iri muunganidzwa zvibvumirano vakagumisa. Kunyange zvazvo padanho ngozi zvingava mukuru asati kuparadzira chimwe chekambani mitoro, zvinokosha kuongorora mari-kubudirira chisarudzo chakadaro. Reinsurance akavhiyiwa vakatakudzwa kubva pane mhosva. Tangai anofanira kuenzaniswa mugove vakaparadzira basa. Chinhu chinokosha ndiko kutsunga pachiyero pachavo yaanobhadhara, izvo kunobva mari nekugona uye profitability remapazi. Overvalued muganhu kunotungamirira kusagadzikana zvemari, yakaderera zvakare - asiri purofiti.

mamiriro

Kutamisirwa pangozi mumwe sangano iri chete zvinoita pasi pokudzora hurumende miviri. Nokudaro inishuwarenzi Portfolio mamiriro inofanira vanoumba:

• kwemitoro pasi tsamba akaumba reserves;
• zvinhu wakaitwa kufukidza ngozi.

The insurer anotumira Portfolio yakaumbwa panguva chisarudzo. Kunosanganisirawo kuzvipira ziendamberi zvibvumirano uye avo iro nguva rapera, asi wazvipira vasina hwazadzika zvakakwana. Maererano yakananga chinhu ngozi anogona kune imwe insurer.

Kukosha zvinhu zvinogona vakaumba reserves vakaenzana kana zvishoma pane kwavari. Surcharges vanobvumirwa chete kana ivo haapfuuri musiyano pakati zvaitambidzwa yesangano uye guta guru kambani. The oparesheni hakubvumidzwi kana chitsama yesangano idukusa hafu zvifambiswe reserves. Kusara ndiko yekambani kusauka. Kana kukundikana zvinhu Kutamiswa zvasara inogona ndanyarara hangu nokuda tichibatanidza insurers. Vhoriyamu vachibhadhara kunotemwa mitemo batana. Kukosha zvinhu akaenzana zvavo bhuku ukoshi kana musika mutengo.

The chikonzero kuchinjwa zvibvumirano

Vanoverengeka vavo:

• WIthdrawal of rezinesi kuti tiite zvinhu pamusoro chirongwa ari supervisory simba;
• kune chisarudzo kugumisa sangano riri pasi zvachose inishuwarenzi Portfolio kuchinjirwa kune mumwe kambani;
• kutyora solvency zvinodiwa kuti kuguma akarwarisa dzemari sangano, kana Portfolio kutapurirana yakapiwa liquidity kupora urongwa;
• Mutongo pamusoro yokuzvidira renunciation mamwe mabasa;
• achisiya boka kubva neshamwari kuti insurers muzviitiko zvaitaurwa mutemo.

mhedziso

Inishuwarenzi Portfolio anomiririra uwandu zvibvumirano chasainwa imwe mari. Ndicho kwainyanya Mari kuyerera. Asi kunogona kukonzera kusauka sangano pamwe murombo utungamiriri zvivako. Naizvozvo, zvakakosha kuti vaunze uye kuparadzira njodzi uye mabasa pasi zvibvumirano. Zvisinei, mabasa reinsurers 'havana kusununguka. Naizvozvo zvakafanira kuongorora mari-kubudirira kutengeserana asati mhedziso yayo. The muitiro pacharo inoitika pasi zvachose kudzora hurumende.