Lloyd's Marketplace
Lloyd's weLondon haisi kambani yveshuwarisi. Pane kudaro, iyo yemusika apo vanotengesa vanotengesa nevatengesi vanoungana. Lloyd's yakatanga seimba yekhofi muma1600s. Ngarava vatungamiri, vagadziri vemidziyo, vatengesi uye vamwe vanofarira kutumira vakaungana paimba yekofi kutenga kana kutengesa izvo zvino zvinonzi marighuro yendege inshuwarheni .
Mazuva ano, vatengesi nevanyori vanotumira musangano reLloyd's office paLime Street muEast Central London. Lloyd's iye zvino inzvimbo huru yekutenga uye kutengesa zvakasiyana-siyana zvekuvhara, kwete kungofambisa marishwarisi emvura.
Shoko rokuti Lloyd's rine zvinoreva zviviri. Imwe ndiyo yemusika apo vatengesi nevanyori vanoona kuti vanoita bhizinesi. Lloyd 's zvakare inorevawo Corporation yeLloyd's, kambani inotarisira nzvimbo yekutengeserana inishuwarenzi. Sangano rinochengetedza kuti vashandi vehurumende vari mari yakajeka uye kuti nzvimbo yemusika inoshanda zvakanaka.
The Players
Lloyd's marketplace inosanganisira vashanu vanobatanidzwa. Izvi zvinosanganisira masangano, vatungamiri, vatengesi, vanovhara, uye vanotengesa inshuwarisi.
1. Anobatanidza
Masangano acho ndiwo mushure weLloyd's marketplace. Sangano rinoshanda sekambani ye inshuwarisi shoma, inofunga ngozi uye kubhadhara zvikwereti. Sangano rimwe nerimwe rinoumbwa nemumwe kana akawanda, avo vanogona kuva vanhu kana makambani.
Nhengo dzinopa mari yemari inobvumira sangano kuti riite. Sangano rega rega rinonyanya kugadzirisa mune mamwe marudzi e inshuwarisi. Semuenzaniso, imwe sangano inogona kutarisa kune yebhizimisi yemari yveshuwarenzi , asi imwe yechirongwa chekodzero yepamusoro uye yekutengeserana yemari inshuwarisi yemhosva .
Apo masangano eLloyd anotora njodzi, anoshanda nekubhadhara .
Izvi zvinoreva kuti sangano rimwe nerimwe rinotora chete chikamu chemukana wega wega. Mune zvimwe zviitiko, sangano rinogona kungotora zvishoma (zvakadai seye kana maviri muzana) yehuwandu hwehuwandu. Mune vamwe, zvinogona kutora chunk yakakura, yakadai se25% kana 50%.
Semuenzaniso, Bill anoronga kutumira mutoro wemakombiyuta kubva kuIndia kuenda kuUnited States Kutengeswa kunokosha kune $ 15 mamiriyoni. Bill anonyorera broker, uyo anowana inshuwarisi yemutoro panzvimbo yake kuburikidza naLloyd's. Bhushumo yaBill inonyorwa nevashambadzi 15. Sangano rimwe nerimwe rinotora $ 1 mamiriyoni chete kana 1/15 kana kuti yehuwandu hwehutano. Vashandi vacho vakaderedza kusarudzwa kwavo pakurasikirwa sezvo mumwe nomumwe akafungidzira chikamu chiduku (6 .67%) chejodzi rose.
2. Kutarisira Agent
Vatungamiri vehurumende vanoshanda panzvimbo yevashandi, vachitarisira mabasa avo emabasa ezuva nezuva. Vanobhadhara uye vanotarisira vanyori vepasi, vanotaura kuti vanogadzirisa , vashandi vebhengi uye vamwe vashandi vanokosha. Mutevedzeri anogona kutarisira boka rinopfuura rimwe chete. Mune zvimwe zviitiko, mutungamiri mukuru anogona kunge ari kambani imwechete inopa hurumende yehurumende. Vatungamiri vesarudzo vanosarudza uye vanotarisira vatariri.
3. Vatengesi
Inishuwarenzi vatengesi vanoita sevanopindirana pakati peinishuwarenzi vatengi uye masangano. Kuti uite bhizinesi muLloyd's marketplace, mutengesi anofanira kubvumirwa neChishanu cheLloyd's.
Kunyange zvazvo vakawanda veLloyd's brokerages vari muLondon, vamwe vari mune dzimwe nyika. Yakawanda yemishuwarenzi yakawanda inowanikwa mabhizinesi mune bhizinesi muLloyd's marketplace, kazhinji kuburikidza nekambani inobatsira.
Cherechedza kuti mutengi wemuchuwarisi haagoni kukwanisa kutaurirana zvakananga naRloyd's broker. Pane kudaro, iye anofanira kushanda kuburikidza nemunharaunda yemunharaunda kana mujeri , uyo achange achitaurirana naRloyd broker pamutengi.
4. Vavakiki
Kunyange zvazvo vazhinji vebhizimisi rakanyorwa nemashirukota inoumbwa nevatengi, vamwe vanobva kune vanochengetedza. Munhu ane chivako ndiye kambani inonyora zvengozi muchinzvimbo chemugadziri mukuru. Vabati vehovha vanoshanda pasi pesimba rinosungirirwa rakapiwa kwavari nekugadzirisa mashizha. Uwandu hwechiremera ichi husiyana. Vamwe vadzidzisi vanobvumirwa kuti vabudise zvinyorwa zvakadai seishuwarensi vakasunga uye zvigwaro zve inshuwarisi .
Vanogonawo kuva nekodzero yekuunganidza mari yepayimisi uye kugadzirisa zvirevo.
Nokubvumirana nevanomiririra, vatungamiri veLloyd vanogona kushanda munyika yose pasina kuisa hofisi yepamba. Somuenzaniso, ngatitii mutariri wekugadzirira muUk anopa muchengeti wehurumende muUnited States kuti asunge inshuwarisi yekuvhara kwevashandi veku US. Chibvumirano chayo pamwe nemunhu anochengetedza inoita kuti mutungamiri anotarisira kuita bhizinesi muUnited States pasina kuvepo kwepanyama ipapo. Mune dzimwe nyika vanochengetedza mazita vanonzi kutarisira masangano makuru kana MGAs.
5. Inishuwarenzi Vatengi
Vazhinji vadzimai vemabhizimisi vaduku vanogona kuwana ma inshurensi anovharidzirwa avanoda kubva ku "inshuwarisi" nguva dzose. Kunyange zvakadaro, mamwe mabhizinesi angapa zviratidzo zvisina kujairika kana zvinokuvadza izvo vatsigiri vemazuva ano vasingadi kuisa. Mienzaniso imakambani ekudenga, sky-diving operators, uye makambani akareba ekutengesa tombo. Lloyd's syndicates angachengetedza njodzi dzakadaro.
Kana ako wehushuwarisi wechipurisa kana kuti mutengesi asingakwanisi kuwana kugoverwa panzvimbo yako mumusika wakazara, iye anogona kuonana nemutsetse wekambani mutengesi uyo anokwanisa kuwana nzvimbo yemusika weLloyd. Zvimwe, mutengi wako kana mutengesi anogona kutsvaga mutengesi waLloyd kuburikidza nekushandisa shanduko yekuona pane webhusaiti yeLloyd's. Mukuru wako wekune imwe nyika achazoshanda nemigwagwa yepamusoro kana mutengesi waLloyd kuti awane chinyorwa panzvimbo yako.