Inishuwarenzi zvazvingava

Inishuwarenzi mutengo mabasa zvinoratidzwa chitsama inishuwarenzi shoma (muripo). The mubayiro - mutengo uri insurer wacho mabasa anosungwa kupa ari chiitiko vakanyorwa iri chiitiko kondirakiti. It chakavakirwa sandara mwero (kana mutero).

Inishuwarenzi zvazvingava - nayo runoratidzwa rubles mwero iri shoma, iyo vakabhadhara kubva chairema pamusoro inishuwarenzi Verengai.

Mubayiro anofanira vakadaro kuti aigona kufukidza zvinobvira zvinotaurwa pamusoro insured, nokusika reserves kufukidza chekambani mutengo kuti bhizimisi, uyewo kupa mari.

Mutengo mabasa inishuwarenzi ndiyo novimba kudiwa uye mwero mubereko pamahombekombe deposits. Sezvo zvinokanganisawo nemamiriro inishuwarenzi Portfolio (akagadzirwa njodzi) uye administrative mari.

Kana inishuwarenzi rate iri nemutemo (centrally), mwero inishuwarenzi yokuzvidira inogona dzaona kubudikidza insurer, panguva imwecheteyo payo yekudyidzana kunokanganisa zvemari pakusimba remapazi inishuwarenzi.

Rates vari rinowanikwa nokushandisa Statistical uye akarongeka nzira, iyo vanozivikanwa se actuarial Masvomhu. Vanobvumira here kuona nhamba yacho insured mu inishuwarenzi Fund rwevanhu. Sarudza nzira pahwaro ari insured nengozi, nguva, hunhu uye bonuses.

raté inishuwarenzi Full unowanzonzi "mwero zvakakomba". It rine mambure-mwero uye mutoro. zvazvingava Net zvinosanganisira mwero nengozi (inishuwarenzi Fund) uye ngozi nomugove (dura Fund). The mutoro ine mari bhizimisi (purofiti) uye urongwa matanho.

zvazvingava Net - ichi ndicho chikamu mutero, iyo inoendeswa paumbwe reserves yemberi kubhadhara pamusoro panowanikwa insured zviitiko. Nokuda ngozi vachibhejera zvinhu zvaisanganisira mairi yakabereka paumbwe reserves kuti vachibhadhara inishuwarenzi. Reserve Fund, akasikwa tichiregeredza premiums njodzi, kunodikanwa ezvinhu chaiko nhamba yebongozozo zviitiko ugari kubhadhara.

Mutoro akadana mugove chitsama rwuripowo inishuwarenzi mwero kuti vabhadhare bhizimisi, paumbwe Mubereko pakusika chokudzivirira insurer Fund.

Inishuwarenzi rinoitwa kana nomumwe kana seboka chimiro. Mukupera nyaya, dzemaitirwe rinoitwa pasi itsanangudzo mubayiro zano inobva neavhareji mashoko.

Inishuwarenzi zvazvingava marudzi mukana (zvimwe pane inishuwarenzi youpenyu) rinowanikwa pachishandiswa nhamba kana mamwe mashoko pamusoro chaiwo mhando inishuwarenzi.

In upenyu inishuwarenzi mutero mambure mwero kunotemwa nenzira yakasiyana, yakavakirwa pamatafura. zvazvingava Gross rinosanganisira mugove chawo (mambure mwero) uye Takudzai kuti kufukidza mari bhizimisi. The zvazvingava mambure riri rinoumbwa nemashoko maviri - kuchengetera kubhadhara uye ngozi mwero (muripo kana rufu).

Inishuwarenzi rate nokuti CTP vanoparadzaniswa centrally hurumende yeRussia, kureva, ndivo saizvozvo makambani ose inishuwarenzi. Izvi zvinoreva kuti kuziva ano fanira inishuwarenzi motokari rates, unogona manually ngaaverenge mari mutemo kuti kondirakiti inishuwarenzi yakati. Zvinofanira kurangarirwa kuti, mukuwedzera kune tariffs, zvimwe zvinhu zvakawanda sei mari mutemo, akadai makore mutyairi; uchityaira ruzivo; uwandu vakaita vanhu kudzora; nharaunda; motokari unhu, etc. Tariffs, ari rweinishuwarenzi akasiyana zvichienderana nokuti pakanga nyaya dziri zvashata pakutyaira nhoroondo. Saka CTP fomura zvinosanganisira chawo zvazvingava kane kwayo siyana okugadzirisa coefficients.

The mutero wokuti makambani inishuwarenzi muchishandisa zvinotevera. Pfungwa iyi yokuzvidzora kuraramisa akavhiyiwa vavo profitability, ari yokuenzana ukama inishuwarenzi pakati ose mapato akabvumirana Kuwanikwa prices vose avo nokutsiga kwenguva yakareba.