Rating makambani inishuwarenzi. Inishuwarenzi Makambani: kuchengeteka Rating

MuRussia, sezvo dzimwe nyika dzaiumba Soviet Union, kuti inishuwarenzi vane zvakawanda. Nei zvakaitika - kujeka. Zvichida nemhaka mafungiro ari Slavs, vari nguva dzose kutsvaga chakanakisisa uye kutya guessing pachako pachine worudzii dambudziko.

Munyika dzakawanda dzokuEurope, United States nedzimwe dzakabudirira kuti kudiwa zvinosanganisira nyaya kuchengeteka zvakasiyana chaizvo. Munyika ino hatina refu vakanzwisisa kuti, tichida kana kuti kwete, pane nguva dzose mukana petsaona, urwere, uye dzimwe nguva zviri nani kuva akachengeteka pachavo uye vadiwa vavo pane kupinda mumamiriro ezvinhu akaoma mune zvemari.

Uye zvakare kuti kumusika Russia ndiyo makambani simba inishuwarenzi, iyo rakavimbika Rating varombo. Like kana kwete, isu ichaongorora gare gare munyaya ino.

Ndezvipi marudzi akasiyana inishuwarenzi?

Mhando inishuwarenzi, kune vazhinji. Inogona rakakamurwa pachavo uye pfuma. Boka rokutanga unosanganisira zvinotevera mabasa dzinoitwa hutano murume pachake: inishuwarenzi youpenyu, inishuwarenzi youtano, inishuwarenzi tsaona, zvokurapa uye nevamwe. Boka rechipiri rinosanganisira avo mabasa ose nechokuita nepfuma zvinofarirwa nevanhu: inishuwarenzi pfuma, motokari kutenga uye nevamwe.

Pane mabasa inishuwarenzi yakadaro inopiwa pamutemo masangano: kwema inishuwarenzi, kugadzira, kutengeserana, nevamwe vazhinji.

Kana munhu akasarudza inishuwarenzi kuti ari nechinetso wekusarudza kambani yeinishuwarenzi kuti aizokwanisa zvavanotarisira uye anopa mabasa anodiwa.

Nei kudiwa Rating makambani inishuwarenzi?

The musika izere siyana makambani kuti dzinoita mabasa inishuwarenzi, uye dzimwe nguva zvakaoma kusarudza mumwe ari nani. Somuenzaniso, mari yakawanda kupedza pamusoro kuzvisimudzira makambani inishuwarenzi muMoscow. Rating, nemhaka iyi, iri nani nokuwedzera vatengi chokubuda. Asi kana richava kuratidzwa izere chaiye nenhanho rakavimbika insurer?

In bhizimisi inishuwarenzi, pane zvimwe chinhu chinokosha zvikuru nokuda insurer, sezvo kumusoro mukurumbira pamisika mabasa. Kana boka hakusi kunzwa, kuti mabasa ayo richashandiswa chete wekare vatengi vane kare zvakawanda kana zvishoma vakavimbika kwaari.

Padanho basa akabatanidzwa diki basa

Uyezve, munhu anokosha zvikuru nyaya dzinovaka kubva kuvanhu. Vanachiremba Kazhinji kutaura kuti kugutsikana mutengi achava varumbidze boka 2-3 shamwari, uye kuudza kugutsikana 10 vanhu uye zvakawanda pamusoro chii murombo sangano rinoshanda. Saka panyaya basa rakanaka insurers zvose zvinofanira kugara zvakanaka chechetere.

Pane zvakawanda zvinodiwa kuti zvakakosha kuti abudirire nokushanda kambani yeinishuwarenzi pamisika mabasa zvayakaipira siyana inishuwarenzi.

Kuti tinzwisise izvo zviri insurers Mutungamiri pamisika uye ndiani ari muruzi, kuti izvo zvisiri zvakakodzera kushandisa, mumwe zvinzvimbo rweinishuwarenzi mabasa makambani.

Yakadaro Rating inogona kunyatsonanga nyore kusarudza kambani zvakarurama inishuwarenzi uye kuva nechivimbo chokupika zvavo sungiro pasina ngozi.

Inzirai kunyatsoteerera apo vanoongorora?

Kuwana zvakanakisisa inishuwarenzi makambani muMoscow, ari kureva unofanira kuita nokungwarira, kufungisisa zvose zvinobvira zviratidzo. Vanofanira kuratidza pamwero solvency makambani inishuwarenzi, kutsiga basa rayo ukama, Kuwanikwa chikwereti.

Uyezve, zvinokosha kunzwisisa pamwero vachibhadhara inishuwarenzi, mutengi Portfolio mamiriro, uyewo zvimwe zviratidzo zvemari, izvo zvichatibatsira kuona pamwero rakatsiga uye dzemari kambani yacho inishuwarenzi.

Chaizvoizvo Rating makambani inishuwarenzi yaiita inobva kuongorora zvinotevera mumapoka zviratidzi:

1. Zviratidzi nechitarisiko kuenderera.
2. Insurance Portfolio.
3. Financial zviratidzo.

Funga nerimwe boka zviratidzo.

Zviratidzi nechitarisiko kuenderera

Ongorora zviratidzi nechitarisiko kuenderera, kufungawo kufamba yesangano, avo marongerwo uye nesimba. Uyezve, anofungawo kukosha guru mvumo, uyewo zvinonakisa kukura inishuwarenzi shoma.

Chinhu chinokosha kuda uye kuongorora paruzhinji shamwari iri kambani ine musika chinzvimbo, ayo ukama nhengo weHurumende kuzvidzora uye kugona management vashandi.

Kuongorora nhamba idzi, zvakakodzera kufungawo insurer wacho utariri mamiriro, uyewo pakukwanisa kwayo zvemari.

Uchifunga kwokunze kuenderera, vafunga kuti remunharaunda bazi rimwe nerimwe boka racho inishuwarenzi: kwayo Mubereko kurasikirwa nezvenzvimbo pamusika yomunharaunda inishuwarenzi. Uyezve Rating makambani inishuwarenzi muMoscow zvingasiyana yekudyidzana kubva panzvimbo rakatorwa kambani dzimwe nharaunda. Zvechokwadi, paguta rimwe nerimwe kune pamwero mari inoratidzwa padanho solvency.

inishuwarenzi Portfolio

Kudzidza inishuwarenzi Portfolio, unofanira kunzwisisa maumbirwo kambani yacho inishuwarenzi. Zvakakosha kuziva kuti zvinobatsira ndiyo imwe mhando inishuwarenzi uye yaipedzerwa zvichibvira njodzi.

The Data vakawana vari achienzaniswa vatengi chawo. Aongorora nhamba, marongerwo uye nesimba ane yeGmail.END_STRONG kuti Portfolio. Sechinoitika zvinobetsera kambani inishuwarenzi ano vatengi chii pamwero kushanda vhoriyamu kuumba zvachose insurers, uyewo zuva rokutsanya zvibvumirano inishuwarenzi, itsva.

Uyewo chinokosha mutemo vakadzinganiswa kambani yacho inishuwarenzi pasi reinsurance. Akavimbisa kuti njodzi zvakakomba zvinogona kutungamirira pamwero mukuru vachibhadhara inishuwarenzi. Zvichienzaniswa kufadza padanho vachibhadhara inishuwarenzi kuti zvachose Vhoriyamu pachavo mari.

zviratidzi zvemari

Financial zviratidzi vakakamurwa muzvikwata zvitatu.

1. zviratidzo zviri liquidity uye solvency.

Analysis dzakasiyana inosiyana liquidity inoratidza sei nokukurumidza uchava kukwanisa kubhadhara zvikwereti zvayo, kana pane imwe nguva, Lenders zvose zvinoda kudzokera pamusoro inivhesitimendi yavo. Zviratidzi dzinoratidza solvency yekambani inishuwarenzi vanofanira akwezve okuwedzera mari kubva kunze.

Uyezve, inoongorora sechivako payables, izvo zvinoita kuti tinzwisise zvinangwa zvayo uye mazwi kuti zvinodiwa kuti uzere nokuripira. Uyewo anoita kukarukureta ari zvizivikanwe kuti solvency reshiyo uye guta adequacy.

2. zviratidzo zviri profitability uye kurasikirwa.

Dzoka zvinhu kubatsira kuona mwero mari boka riri basa rakashandurwa. Kukarukureta kurasikirwa ratios kuti kuongorora mari kuti insurer inopedza varambe kwayakaita. The Kuongorora adequacy pamusoro zveminda kuti wedzera kuti kambani yacho inishuwarenzi kuti vachibhadhara inishuwarenzi, uyewo kufukidza yavo kumhanya mari bhizimisi.

3. Performance of inivhesitimendi itsika.

Achibatsirwa zviratidzo zvakakodzera inofungidzirwa kusimudzira makambani inishuwarenzi, roi, uye inoongorora matambudziko avo nzvimbo yebasa umo Optimization.

Haugoni kungovimba voruzhinji

Rating makambani inishuwarenzi - ndiwo mugumisiro kunzwisisa kukarukureta, izvo zvinosanganisira anenge ose zviratidzi kuti unogona kufunga kuti tinyatsonzwisisa kambani yacho inishuwarenzi. Kuitisa Analyses dzakadaro dzinofanira kuita nyanzvi chete.

Poll vanhu vanenge pfungwa dzavo pamusoro kuminamato kambani inishuwarenzi imwe - ndiko chete zvishomanana che refu uye rakaoma muitiro kuti unofanira kuita kuti pave chinangwa zvechokwadi chepamusoro.

Unofanira kunzwisisa kuti kana nokubvunzurudza rebei simba pamusoro zvawanikwa une munhu chinhu. Vanhu vanowanzoda kukanganiswa kushambadza, kumanikidza nemaonero. Kureva kuongorora makambani ari inishuwarenzi, vanhu Rating hakufaniri kuonekwa chete wechokwadi.

Kambani yeinishuwarenzi angasava zvakanakisisa, asi ndinoonga mapepanhau, magazini, terevhizheni uye mamwe yokutengesa mitoo nokuda kwevanhu inogona kuwana pfungwa dzenhema pamusoro rakavimbika.

Pamberi chero mhedziso vanofanira zvakanaka kuongorora makambani ose inishuwarenzi. Kuvimbwa Rating, rakanyorwa pachishandiswa zvakarurama mifananidzo, anokwanisa zvakarurama kuona pamusika vatungamiri.

Funga kuti kambani yacho inishuwarenzi akapedza gore rapera uye ndiani kuoneka TOP.

Rating makambani inishuwarenzi inobva zvinoguma 2014

Aongorora zvakawanikwa, izvo akaratidza kambani yacho inishuwarenzi muna 2014, tinogona kugumisa kuti zvaiva zvakaoma musika inishuwarenzi rose gore rapera. Pakanga pasina zvinoshamisa vari-siyana vaiwana mari, rakapinza kuchinja nzvimbo ichienzaniswa ratings ose 2013.

Kana tikaenzanisa bhuku inishuwarenzi kugamuchira (mari kuti mari insurers), vatungamiri vatatu vanoratidza migumisiro yakanakisisa kuti musika wokuRussia, akaramba ari pakagadzirwa nematanda.

Pakutanga rakakundwa kambani yeinishuwarenzi "Rosgosstrakh", yaiva mabhiriyoni 105,2 rubles. Yechipiri anoenda SOGAZ pamwe aiwana bhiriyoni 105,2 rubles, apo nzvimbo yechitatu iri kuchengeta zvishoma nezvishoma "Ingosstrakh", iro akakwanisa kuunganidza inishuwarenzi mu uwandu bhiriyoni 65,8 rubles.

Kana isu kuongorora maumbirwo yavanotambira, zvinganzi vakagumisa kuti kupfuura uwandu mari vakagamuchira nokuda kwemamiriro zvibvumirwano pamusoro pfuma inishuwarenzi yokuzvidira.

By bhuku vachibhadhara, inova chimwe chezvinhu zvinokosha zviratidzi makambani ari inishuwarenzi, musoro matatu kumbochinja. In wokutanga nzvimbo payout ndiyo kambani yacho inishuwarenzi "Rosgosstrakh", iyo kwakaitika kukuvadza zvaikosha mabhiriyoni 55,1 rubles. Nzvimbo yechipiri uye wechitatu, ukuwo, "Ingosstrakh" uye SOGAZ.

Kana tikafunga vhoriyamu vachibhadhara chokuita inishuwarenzi zvichiguma, pakutanga achava UK "Alliance", "Ingosstrakh" uye UK "Usatenda".

Muna 2014, boka racho inishuwarenzi "Rosgosstrakh" mumakwara kwenhamba vasungwa zvibvumirano. Kana zvimwe kana zvishoma, akakwanisa kugumisa navo uwandu mamiriyoni 34,5 dzakabatana. Munzvimbo wechipiri "Alpha Insurance", iro akapedzisa mamiriyoni 11.8 zvibvumirano. nzvimbo Third rakatorwa imwe kambani inishuwarenzi "RESO-Guarantee", iro akapedzisa vanopfuura mamiriyoni 8.4 zvibvumirano.

Kuti muna 2015 iye zvino uye chii vari Zvaifungidzirwa?

Nyanzvi dzinoti chinokosha zvinoderedza yeGmail.END_STRONG basa. Vaiti izvi kuti Kushatiswa upfumi uye kuwa muna GDP. Zvechokwadi, ivo depreciation ari Ruble yekudyidzana yarova kupfumisa vanhuwo zvavo vakaita, uye mabhizimisi akasiyana-siyana zvivako, rine kudzikinura zvigadzirwa kubva kunze.

Maererano Zvaifungidzirwa, vaviri chete mhando mabasa inishuwarenzi vachakwanisa kuramba muna 2015 ari kureva makambani inishuwarenzi: upenyu uye CTP.

Vazhinji vanodavira kuti kumusika achaita vanodzokera, yakawanda makambani makuru vanoda chaizvoizvo musvusvure duku yemakambani kuti dzinoita mabasa inishuwarenzi. Ndiko, pane zvinoitwa nenzvimbo pamusika tichiregeredza acquisitions.

Izvi Somuenzaniso, inoratidza rudzi inishuwarenzi sechinhu CTP. Rating kambani inishuwarenzi "Rosgosstrakh" rokutanga hafu iri muchimiro mabasa inishuwarenzi kuramba zviripo nguva chete muna 2014. Kana gore rapera mugove ichi kambani iri rokumanikidzirwa inishuwarenzi yevagari kuita kuti mutyairi akanga 29.5%, zvino kwazvo 36%.

Asi kana isu kuongorora kukura CTP mari, inishuwarenzi kambani Rating pamusoro SC "RESO-Guarantee" rave kunowedzerawo. Saka, muna 2015 zvaigoneka kuwedzera yaipedzerwa mari ne 48,5%.

Muna 2015, pamusika ruchigona coarsen

In yokutanga yezana zvachose musika mugove makambani inishuwarenzi, izvo dziri pamusoro gumi, chakatowedzera kuti 77%, izvo rinotaurawo pamusoro musika nenzvimbo.

Kana uchida kuziva kuti kushandira pamwe chairo insurer, zvakanakisisa kudzidza ayo kureva. Inishuwarenzi Makambani kana guta St. Petersburg vangava akasiyana mari premiums inounganidzwa kubva emunharaunda ezvinhu akasiyana, izvo anosarudza zvinonyatsorehwa nenhanho vatengi kuyerera. Muchiitiko chino, zvakanaka wakavhomorwa ongororo kuchaita kufunga chokwadi ichi uye kunzwisisa kambani chii zvose zvakafanana inishuwarenzi kwamuri.