Kupi Inishuwarenzi Iita Mari
Kuti unzwisise kuti mashizha emushuwarisi anoshanda sei unofanira kutanga utanga kuti vatsigiri vanoita mari sei.
Makambani eInishuwarenzi ane zvinhu zviviri zvakakosha zvemari: mari yekutsvaga mari uye zvinyorwa pasi.
Vafambisi vanobhadhara mari nekuisa mari muzvinhu. State inshuwarisi yekutonga inotarisa rudzi rwezvinhu izvo vashandi vanogona kuisa mari. Kazhinji, vashandi vanogona kuisa mari mu "zvinhu zvakachengeteka" izvo zvinogona kuchinjwa kuti zviwanikwe nokukurumidza. Mienzaniso inguva hurumende uye mashumo ehurumende. Iyo mitemo yakagadzirirwa kuchengetedza vashandi vemazano. Vanovimbisa kuti makambani einishuwarenzi acharamba ari kugadzirisa uye ane mari inowanikwa yekubhadhara zvikwereti.
An insurer anoitawo mari kubva pasi pekunyorera purofiti . Izwi iri rinoreva musiyano pakati pemari iyo inshuwari inounganidza muzvikwereti uye zvinodhura zvinowanikwa mukubhadhara zvikwereti uye mari (kusanganisira mutengesi uye vatengesi vemakomisheni ). An insurer inounganidza mari yakawanda muhoyamisi kupfuura iyo inobhadhara muzvikwereti uye mari inobhadharwa ichawana purogiramu yokunyora pasi. Kana bhizimisi inopa zvikwereti mune zvezvitsva uye mari yaunowana muzvikwereti iyo ichasimbisa kurasikirwa pasi pasi.
Anishuwarensi anotsigira kurasikirwa kwekunyora pasi angaramba achiwana purogiramu kana mari yaanofarira inopfuura kudarika kwekunyora pasi. Semuenzaniso, ngatitii inshuwarheni yakawana $ 50 mamiriyoni mune mari yekutsvaga uye yakatsigira $ 40 mamiriyoni ekurasikirwa pasi. Yakaramba ichiwana mari ye $ 10 mamiriyoni. Kana chikwereti mari inowanikwa pasi pecherechedzo inofanirwa kubhadhara zvakanyanya zvinyorwa zvayo.
Reserve Requirements
Vafambisi havagoni kushandisa mari yavanowana muzvikwereti pakarepo. Vanofanirwa kumirira kusvikira mihorosi iyo inowanikwa. Zvikwereti zvisingakanganwi zvinofanira kunge zvakachengetwa seiri risingazivikanwi premium reserve kubhadhara zvirevo zvenguva yemberi. Premium inowanikwa purogiramu yakadzama munguva yose yemutemo. Kana muiti wekambani akabhadhara mubayiro wekuti mutemo usati wapera, iyo premium yose haina kufanana neyezuva iroro. Mwedzi mitanhatu muchikamu chehurongwa nguva yehafu yepayamu inowanikwa. Iko muhomwe haisi kunyatsogadziriswa kusvikira mutemo wapera.
Vatsigiri vanofanira kuisawo mari yekubhadhara kurasikirwa kwakatoitika, kusanganisira izvo zvisati zvataurwa. Iyi mari inonzi " kurasikirwa" .
Capacity
Nokuti chikamu chinokosha chemari ye inshuwarheni chakasungirirwa mune zvekuchengetera zvingasava nehutano hwemari yekubudisa mitemo mitsva. Nenzira yakanaka, mubhadhari anogona kuwedzera simba rake nekutenga reinsurance. Apo bhizimisi inotenga reinsurance inoshandura imwe yengozi yekurasikirwa mune ramangwana kune reinsurer. Kuendeswa kwehuwandu kunoderedza mari yemubhizimisi inofanira kuchengetedza seasati yawana pfuma yemari, zvichiita kuti kuwedzerwa kwe inshuwarisi kukwanise kubudisa mitemo mitsva.
Zvinokonzera Kuita Kuwanikwa KweInishuwarenzi
Pane zvinhu zvakawanda zvinogona kukanganisa inshuwarheni yehutano hwehutano uye naizvozvo, simba rekubudisa mitemo.
Chimwe chezvizvi zviitiko zvinotyisa. Zviitiko zvikuru sezvinoita dutu, kudengenyeka kwenyika uye kuputika kwegesi kunogona kuunza huru yehuwarisi yehupfumi . Vatsigiri vanobhadhara zvikwereti zvakawanda zvezvipikisi zvimwe vangave vachizeza kana vasingadi kuvhara njodzi idzodzo mune ramangwana. Uyezve, kurasikirwa kwakawanda kunowanzogoverwa nevatsigiri. Vatsigiri varo vakabhadhara kurasikirwa kukuru vangave vasingadi kuvandudza zvibvumirano zvekuvandudzirwa nevatsitsi. Pasina kukwanisa kupiwa reinsurance, bhizimisi rekwanisi yekunyora mitemo mitsva inoderedzwa.
Chimwe chikonzero chinokanganisa bhizimisi rekwereti ndiyo mamiriro emutemo. Muzvinyorwa zvinokonzerwa nemitemo vatsigiri vanogona kunge vakundwa nemhosva dzakawanda dzakakura. Kutambura kurasikirwa kwedzidzo kunogona kuita kuti inshuwarisi ichengetedze kurasikirwa kwekunyora pasi. Mutoro wemubhizimisi wekwanisi inogona kuderedzwa kana vatsigiri vasingadi kuvandudza zvikwangwani zvekubhadhara re insurer.
Vatsigiri vekwanisi yekunyora mitemo mitsva inobatwawo nehuwandu hwehupfumi. Mune recessionary nguva inshuwarisi yebhizimisi vatengi vanogona kutenga zvishomanana kugoverwa kana kurasa inshuwarisi zvachose. Mabhizimisi 'kutengesa uye kubhadhara (pamari yepamuimari inowanzovakirwa) inogona kuderera. Mhedzisiro yacho inowanikwa mari shoma shoma kune vatsigiri. Nharaunda dzinofarirawo dzinogona kunge dzakaderera munguva yekuderera. Kana zvikwereti zviduku zvakaderera, vashandi vanobhadhara mari shoma kubva pamari yavo.
Dhizha kana Soft Market?
Chiitiko chezviitiko zvinokuvadza, mamiriro ezvinyorwa zvemutemo uye / kana urombo husina hutano hunogona kugadzirisa danho rekushandira inshuwarisi yakaoma. Zviitiko zvakadaro zvinoderedza kuderedza masayendisiti 'kukwanisa kunyora mitemo mitsva. Izvo zvakashata zvakare ndezvechokwadi. Mamiriro okunze akasimba ehupfumi, nzvimbo inofadza yemitemo uye / kana zviitiko zvishoma zvinokanganisa zvinowedzera kuwedzera simba. Kunyanya kukwanisa kunogona kugadzira inshuwarisi yekutengeserana.
Mamiriro eSoft Market
Misika inonyorera inozivikanwa neinotevera:
- Vakawanda vatsitsi vanogadzirisa zvebhizimisi
- Coverage yakawanikwa zvikuru
- Inishuwarensi mitengo yakaderera
- Vanonyora pasi vanogadzirisa uye vanofarira kutaurirana mashoko ekuparidzira
- Kupararira kwakakura kunowanikwa nedzimwe shanduro dzinowanikwa pasina
- Kunyoresa mitemo yakasununguka
Zviratidzo zveMutengo Wakaoma
Bhuku rakaoma inshuwarisi yemakambani rinopesana neinodikanwa. Heano huno hutano hwemusika wakaoma:
- Nenzira shoma vashorenzi vari kupa kugovera
- Coverage yakaoma (kana kunyange isingabviri) kuwana
- Inishuwarensi mitengo yakakwirira
- Vanonyora pasi vanovhiringidza kana vasingadi kutaurirana nezvemashoko ekuvhara
- Kupararira kwakakura kwakaoma kuwana. Zvimwe zvinowedzera zvinogona kuwanika kune premium yawedzerwa
- Kunyoresa mitemo yakasimba
Pakupedzisira
Mariko ye inshuwarisi yakasiyana zvikuru. Chimwe chikamu chebhizimusi chinogona kunge chiri mumatengesi akaoma asi imwe iri mumusika wakaderera. Chimwe chikamu chingave pane imwe nzvimbo pakati.