Ko te ariā me te whakahaere inihua

kamupene Insurance (kairīanga) - he kaupapa o mahi arumoni, e tiaki nga ngākau nuitanga o tangata inihua, tikanga ki a ratou kino rawa, ka te hui inihua. Ngohe o inihua whakaritea e ture motuhake me te aroturuki i te tauwehe. I roto i Russia, mahi he regulator taua te Central Bank.

te mau parau tumu haumaru

I roto i tetahi whenua, e hāngai ana te whakahaere inihua i runga i etahi parau tumu, ki te pai te kawe i roto i o ratou mahi. Ko ratou:

• i roto i te kainga o rahui inihua;
• i roto i te mahi o ngä taunahatanga inihua;
• i roto i te nuinga o rāhui rīanga o taunahatanga rīanga.

I roto i te tikanga ki te rave i enei tūemi, takoto te insurer te ki paunatia nga tūponotanga o takanga o etahi kerēme rīanga.

I roto i te nuinga o ngā āhuatanga, te inihua i taha o te insurer mahi tatauranga. I roto i ētahi wā, wawao te kāwanatanga i roto i te whakahaere rīanga. Ko reira i roto i te hanganga ture ki te mau parau tumu i runga, me te pakihi inihua hanga i roto i te nuinga o nga whenua.

Kia pehea te ko te mahi inihua

E whakarato ana te ture e kia kia te kaupapa o te mahi tonu o te whakahaere inihua inihua Reinsurance ranei. Ko te rārangi o momo o ratonga inihua tabulahia i roto i te raihana, puta nei i te kāwanatanga. Ki te kore e whakarite i te policyholder ona herenga ranei faatupu ratou hē, kia whakakorea ai te raihana, ngaro te whakahaere te tika ki te whakarato ratonga rīanga e, Heoi, e kore e ekore tona titauraa ki te ū ki te herenga rīanga riro i mua.

He rota o kairīanga mahi i roto i te mara ōhanga taua, i whai ahua ai te mākete inihua, whakarato tiaki ki takitahi, pakihi tūmatanui, me te tūmataiti, pūtahi pūtea.

Ngā momo o kamupene inihua

I roto i to tatou whenua, kia waiho kamupene inihua i roto i te mana tūmataiti āhua ranei. kau taki pūmau o te mākete inihua he moni penihana me moni inihua pāpori, e kohikohi takoha whakahauanga katoa o tangata e mahi ana. E hanga e kamupene inihua tūmataiti ki pūtea i takitahi tūmataiti pūtahi pūtea ranei.

He ahua ahurei o te mahi o maha kamupene inihua tūmataiti he rōpū o te Lloyd. Tenei rōpū o kamupene inihua tūmataiti mō te mahi inihua whānui o te inihua, me te Reinsurance. Puka te rōpū i pera whakamarie e mahi reira ki tenei ra, te tiaki i taputapu whare iti ki nga kaipuke nui.

inihua tūao, me te mātua

I tēnei wā, e taea te pakeke wehea te mākete inihua katoa ki:

• ratonga rīanga e whakaratohia ana i runga i te pūtake noa;
• inihua, whakaritea e te ture.

Ka taea e kia taratahi me te tuatoru o nga tūemi i runga i te kamupene inihua, i huaina nei ko "Reinsurance" wehenga o inihua taunahatanga i waenganui i rua, neke atu rānei ngā whakahaere ranei. Tenei puka o te tiaki taunahatanga tā te tohatoha o taea utu pūtea i waenganui i te maha o ngā kairīanga. rōpū inihua Insurance taea tufaki utu ki te whakatutuki i ngā hanganga, kahore te nui ki tona huru pūtea.

Ki te hoki tautukunga inihua arumoni ki te mau parau tumu whai kē he pai etahi, te whakahaere o te haumaru pāpori e piri te mana e te kāwanatanga. Kia tamata o ki te mahi ki te hunga momo o te inihua, e kua hiahiatia i roto i ngā o te ture.

inihua mātua

hanga State etahi ahua o te inihua whakahauanga i runga i te pūtake o te tiaki o tangata ranei hinonga pakihi e kua e pā ana ki te ngākau nuitanga o te kāwanatanga. Taunoa whakahaere inihua herea whakarato mo te ngākau nuitanga o tangata, e whakaaturia i roto i te Ture. I roto i te mahi titiro reira e whai ake:

• nga tangata e te tika ki te mahi tika - kua rave te reira i roto i te inihua ki aituā i te mahi;
• tika katoa e ki herekore o te kaupapa - i roto i te haamauraa o tenei - te kaupapa here rīanga MTPL herea, tuku rīanga mō te painga o te rōpū tuatoru pāngia;
• katoa e te tika ki te tiaki hauora - whakapakaritia tenei ture e te inihua herea o te Fund Social Insurance e whakapūmau te utu inihua i roto i te take o te mate;
• E tangata te tika ki te koroheketanga tura - he kawenga hoki tenei tahua penihana.

Ko te mahi o ngā kairīanga kei roto i te whakatinanatanga o te inihua herea e hāngai ana i runga i etahi ture me ngā ture, i whakaritea:

• ahanoa hoki i hiahiatia tenei momo o te inihua te;
• pukupuku rīanga, e ngā utu whakahauanga iti o inihua me te nui mōrahi ture o te utu inihua;
• mau ohipa me tika o policyholders me tangata inihua.

inihua mātua me ngā kairīanga

E whakarato ana te ture i te rārangi o ngā rōpū e whai i te tika ki te whakahaere mahi i inihua i roto i te anga o te inihua herea. E hanga ētahi kamupene inihua i runga i te pūtake o te kāwanatanga (Penihana Fund, Social Insurance Fund). E te tika ki te kawe i ngā mahi i roto i te mara o te inihua herea (CTP, hei tauira) ētahi kairīanga.

Whakahaere ngā wāhi nui o te tiaki o te tika o ona tangata, kua rua ngā mahi i te āhua:

• whakaiti te reira i te takoha tuatahi, te inihua herea te utu mo te nuinga o te whenua tangata;
• Ka āta whakarite te reira i kapinga mōrahi o inihua o ngā kaupapa, hanga i te whakahaere o te utu-whai hua haumaru pāpori, me te moni whaiaro-ranea.

Fakakaukau ki he founga e mahi kairīanga i te mara o te inihua herea. tauira aronui o tenei e taea te mahi kia rite ki te Fund penihana me te FFS.

Organization o inihua i roto i moni kāwanatanga

hāngai whakahaere inihua penihana i roto i to tatou whenua i runga i te symbiosis o e rua ngā pūnaha matua:

• mana e ka ki a tatou rite te ai'a o te Soviet Union;
• whaiaro, i te mea he āhuatanga hou whakamutunga ma rima nga tau.

A, no te te pūnaha tahi, ia tangata o nga takoha penihana utua ki te pūtea whānui o te Fund Pension. I muri, utua ana e ia i roto i te moni, i runga i te tūranga matua o ngā āhuatanga rerekē me etahi atu rānei. Ahakoa tona tapatahi, arahina pūnaha mana ki te meka i te iwi nei i mahi hoki rima tau, me te wahi o te rau tau mau anga ki te farii i te taua penihana.

Haunga taua egalitarianism, whakakitea tetahi pūnaha mana drawback: he nama tino o te Fund Pension. Hei hāngai te pūtea penihana, faaoti te kāwanatanga ki te whakauru i te rēhitatanga whaiaro o penihana penapena. Katoa tangata, i runga i to ratou moni kei deducts te tetahi ōrau ki tō ake pūkete tūranga whaiaro, rite te moni tāpui pēke, me ki runga ki pa i te tūranga tau whiwhi ona ake penihana.

inihua hauora

Ko te whakahaere o te inihua hauora herea e hāngai ana i runga i takoha PAYG riro. deducts katoa tangata i to ratou moni i te tetahi ōrau o te moni i roto i te tahua haumarutanga pāpori. O enei moni utua ki a ia "mate" rite te utu o te utu e tika ana ki te mate. Kei te whai wāhi hoki te FFS i te utu o "Fiat" me utu mō te tiaki o ngā tamariki taitamariki. Paraire te taua pūtea te utu e tika ana ki te hauātanga hua i te aituā i roto i te whakahaere o ngā mahi ngaio. Ki te hiahia tangata ki te tiki atu paremata - hei tauira, ki te pau nga utu o te maimoatanga, te mahi hāparapara, - ratou ratonga rīanga tūao hauora.

inihua taunahatanga

inihua taunahatanga - ko tetahi ahua o te tiaki o ngā pārurenga. takoto Ko tōna taa i roto i te meka e te kirimana o te inihua te insurer me faaoti i te taata tei kaupapa here rīanga. E hoki utu i roto i tenei momo o te inihua whiwhi tuatoru, te tangata i whati. He tauira matarohia ko te CTP kaupapa here rīanga taunahatanga.

whai wāhi CTP te i roto i te inihua taunahatanga mō pakaru meinga ki ngā rōpū tuatoru rite ki te hua o te aituā motokā.

takoto whakahaere inihua taunahatanga i roto i te ao o te mahi o aua kairīanga e tika ki reira. whakaritea te whakarea iti o utu tuatahi, me te payout mōrahi e te ture. Ko te āhua hoki kua te tika ki te whakatau me pehea e utu i te reira mo te kino - i roto i te moni ranei i roto i te ahua, a ka aroturuki i te mahi o ngā kairīanga.