Bankunan da aka zaɓa daga riba daga inshorar

Kamfanonin inshora na 2020 sun sami damar ƙara karin lambobin yabo da 4.1% zuwa Rabilan tiriliyan 1.5, in ji bankin na tsakiya. Hatta ƙuntatawa da aka haɗa tare da pandemics ba a hana shi ba: gazawar a cikin kwata na biyu an rama. Amma a kan kudin shiga insurers, da kusan bai shafi: Dala biliyan 247.5. Da shekaru 247,4 a shekarar 2019

Maganar a cikin kwamitocin bankuna ta hanyar kamfanoni suna sayar da yawancin mafi yawan kayayyaki masu fa'ida da girma. Kudaden inshorar da za a iya kiyayewa: Babban banki mai tushe wanda ya kai ya kai 43% - Matsakaicin lokacin kallo, an ruwaito. Saboda wannan, tsarin da aka hada shi da rashin daidaituwa ya canza (yana nuna tasiri ga babban kasuwancin na inshora: Idan tsabar kuɗi ya fi 100%: A bara ya canza kuma ya zama 90%: Kudin ya girma da sauri fiye da biyan kuɗi (jera saboda lokacin rufin kai).

Matsayin farashi ya girma saboda gaskiyar cewa rashi na masu tsayawa yana ƙaruwa da sauri na gudummawa, bayanin kula da banki na tsakiya: 5% zuwa 342 Relia Rless. Amma kudaden da aka tattara ta hanyar shiga tsakani ba su karu da kuma kai ga rublikai miliyan 1.1 ba, kamar yadda a shekara ta 2019

Nawa ne inshoran da suka ba masu shiga tsakani?

Tsayawa intermedia babban tashar tallace-tallace na tallace-tallace: A bara, godiya a gare su, insurers tattara 3/4 na duk gudummawa. Kimanin 40% (418 na kashi 418) na waɗannan gudummawar da aka biya wa bankuna: sun karɓi 61 biliyan 201) a matsayin rumbun-ruban (209 biliyan robles).

Hukumar, wacce inshorar ta biya masu tsayawa takara daga gudummawar da su samu dala biliyan 342, ko 30% (+0). A sakamakon haka, askwarin na masu shiga tsakani da aka ba da fiye da rabin duk kuɗin (don gudanar da kasuwancin, gabaɗaya da na gudanarwa) na inshorar Rasha, ya rubuta Babban Bankin Rasha.

Babban kwamitocin Cikin Inshorar Kudi - Daga Hatsarori da cututtuka da inshorar rayuwa na masu ba da bashi. Kamfanoni da aka tattara a cikin wadannan nau'ikan inshora tare da taimakon bankuna na 186 biliyan da 87 na kashi 87. Premiums, bi da bi, da kuma hukumar biya fiye da rabin gudummawa da kashi 60% (a cikin inshora 50% (52 biliyan) - a cikin inshora na rayuwar masu ba da bashi. Wadannan nau'ikan guda biyu sun ba rabin jimlar rashi na masu shiga tsakani.

Kusan kashi ɗaya na asusun ajiyar kayan aiki don Autocask da inshorar mutane na mutane: don wasu inshorar mallakar mutane, yana da kashi 49% (32.1 biliyan 32.1 (45) rublewar kuɗi (45).

Babban kwamitocin Commedaries damar insurers don kara bayar da gudummawa a cikin nau'ikan inshorar inshora. Don haka, daidaitattun daidaituwa na inshora da haɗari a ƙarshen 2020 ya kasance 72.2%, rashin biyan kuɗi don yanayin shari'ar) daidai yake da 23.3%; Ta mota - 81.8 da 46%, bi da bi.

Yadda ake rage dogaro akan bankuna

Gudummawa da riba na insurers sun dogara da halin da kasuwar ba da izini, bayanin kula da bankin: yana yin wani abu na dogon lokaci. Mai ƙididdigewa ya yi imanin cewa idan inshorar yanzu suna kula da ragi a cikin farashin yin kasuwanci gaba daya, wannan na iya tabbatar da kwanciyar hankali na inshorar kudi a cikin dogon lokaci.

Babban High Highmedinieries ga kamfanoni a riƙewa, tsakiyar wanne bankuna ne, galibi sun zama hanya don sake samun kudin shiga. Amma ko da a karamin aiki, za a iya aika kudin shiga zuwa ga masu mallakar ta hanyar rarrabuwa, ya rubuta bankin tsakiya na tsakiya.

Baya ga aiki tare da inshora Masu jarida don rage ɗaukar nauyi da haɓakar hanyar tare da ƙananan kwastomomin inshora - inshora na dogon lokaci, Da dai sauransu, sun yi imanin na tsakiya. Rage a cikin kashe kudi don jawo hankali da kuma kula da abokan ciniki kuma zasu kuma taimaka wa jami'an dokokin inshora da kuma intanet dinsu a madadin inshorar da ke hade da inshorar son rai Kuma CTP.

Matsakaitan Premiums da aka tattara ta insurers ta hanyar Intanet har yanzu 5%. Don taimakawa insurers, ci gaban mai tallata na, wanda ya samu a cikin rabin na biyu na 2020 kuma ya zama sabon tashoshin sayar da kayayyaki, insurers da sauran kamfanonin kudi, yana lura da Maimaitawa. Sale na kamfanonin kamfanoni ta kasuwa na iya ɗaure farashin da abokan ciniki. Bugu da kari, da yiwuwar amfani da aikace-aikacen hannu na insurers, wakilan inshora da dillalai na inshora sun fito ne. A karkashin waɗannan yanayin, insurers suna da mahimmanci don kiyaye kwanciyar hankali na zamani. Yana da mahimmanci don hana rage kuɗin kuɗin ruwa zuwa matakin a halin yanzu, yayi masayi da kashedin banki.