Kurovedzera - ndiani ichi? Actuaries muna Insurance

Actuary basa iri repamusoro muUnited States uye Europe. Nyanzvi kwakadaro funga kunokosha muminda zvebhizimisi siyana. MuRussia, zvinobatsira zvikuru basa iri haina kuchengetwa, asi kuti haagumiri kuti vanoshingaira kushandisa kuminamato actuaries Masangano munyaya dzakasiyana yebasa. Kupfuura mukurumbira vari rwezvemabhengi zvekutepfenyura, mabasa, inishuwarenzi, uye kushingaira mabasa avo anoshandiswa mudyandigere mari.

An actuary chinhu vaipupurirwa nyanzvi

Kurovedzera - the vanachiremba vane zveupfumi kana zvekushandisa nedzidzo yepamusoro, uyewo vazvidavirire zvakakodzera chitupa imwe actuary. MuRussia, basa ravo haasi kuti anofanira marezinesi, saka gwaro iri paakavapa pachishandiswa dzinokosha bvunzo. mhando iyi yokuedzwa tsika havasi vose vaida. Asi avo vakabudirira kupera unogona zvakachengeteka kutaura kuti vatsigiri - vebazi chemhando mureza. Ivo kuitwa nehurumende supervisory simba.

Tinogona kutaura kuti vatsigiri - vebazi mumunda wemasvomhu, vane zvimwe unyanzvi hunodiwa kuti kuverenga zvayakaipira inishuwarenzi. Uyezve, actuaries anogona kuita Masvomhu kuti kubvumira kuti vafunga kubudirira oupfumi mune zvimwe zvinhu.

Kambani yeinishuwarenzi kuita pasina nyanzvi yakadaro

Actuary mu inishuwarenzi - ari nyanzvi uyo anoita Masvomhu inishuwarenzi rates inishuwarenzi. Zvichida, kupfuura rokuvaka vebazi iri urongwa mabasa inishuwarenzi, kukosha zvakatemwa pachishandiswa actuarial Masvomhu. Kunze kuti actuaries - Ndivo vashandi nenyanzvi compute anodiwa reserves ari insurer, vanogona vaite chinhu tinyatsonzwisisa kuti mubhizimisi chirongwa, uyewo vamwe Masvomhu chokuita yokuzvidira kana zvairayirwa inishuwarenzi.

Nyanzvi idzi zvinokosha makambani inishuwarenzi. Sezvo actuary mu inishuwarenzi - mushandi anofanira kuva zvikuru anokwanisa, mune kambani vari kubatwa vainyatsotarisirwa, sezvo zvakaoma kuwana nyanzvi zvakakwana.

Uyewo, maererano mitemo Russian, makambani inishuwarenzi anofanira pasi simba mutoro pokudzora zvavo mabasa, rinotaura pamusoro wayo wazvipira. Mishumo yakadaro anoteererwa pachishandiswa Masvomhu zviri actuarial unoshanda.

Inishuwarenzi actuary - harisi basa, izvo zvinofanira kusarudzwa kana usingazive masvomhu "kugonesesa" uye vamwe sayenzi. The chaizvo nomushandi zvakadaro, nhema chaiyo iri chaiwo Masvomhu, unofanira kuita mazuva ose. Pashure pezvose, inishuwarenzi actuary - zvikuru basa basa: nokuda kururama kukarukureta pamusoro tariffs, inishuwarenzi mune neboka rakadai rinogona nyore kusarudza kodzero mabasa inishuwarenzi.

Kana akaita basa iri

Shoko "actuary" rine midzi Roman. Saka vakadana muRoma yekare, munhu uyo akashanda kutema panguva Seneti musangano. Asi zvinoreva ichi shoko ipapo aenda.

Actuarial basa iri ano kunzwisisa mabasa, mabasa uye mabasa ose actuaries azviratidza muBritain mukupera rechi18. Nepo kwaidiwa chete mathematically dzakarurama kupembedza pachiyero zvimwe zvizhinji inishuwarenzi, izvo zvaizobatsira mamwe ngozi inishuwarenzi youpenyu.

Muna 1762 paiva kambani rokutanga kuti chakaita kuti actuarial mabasa. Nokuda huru kudiwa nenyanzvi dzakadaro, pamusika akakura uye dzakabudirira. In kufanana kukura kumusika, vakawanda akasimuka kudiwa kuumba sangano kuti chaizounza pamwechete kurovedzera uye kudzora basa ravo. Izvi zvakabatsira kuti chidzoke of London Institute of Actuaries muna 1848, uye makore mana gare gare - simba rorusununguko Actuaries muna Edinburgh.

Saka muna 1895 munzanga dzakadaro muBelgium, UK, Germany, France, uye United States makasimbisa munhu mukuru International Association of Actuaries, ane muzinda iri kweBrussels. sangano iri makore mana ose, akabata misangano. Vari kukurukura kudzvanya nyaya actuarial mabasa, tsika, mamiriro uye inoshanda.

Ndezvipi mabasa pamberi nyanzvi yakadaro

dambudziko actuary ine pakuita Masvomhu, kuti vazive rakakodzera mutero mabasa inishuwarenzi. Under yakakodzera tariffs, kureva kukosha mabasa akadaro kune boka, izvo dzichavafukidza zvose nengozi mabasa ayo padanho solvency uye zvemari kugadzikana vaiva kurudyi vanochiva kuona kutsiga uye nenguva kukarukureta yacho ashandiswe mitoro.

Actuary ari mushandi anokwanisa kupa mhinduro utariri vashandi vose nyaya chokuita mari Zimbabwe tariffs. Somuenzaniso, anofanira kuziva mhinduro yomubvunzo wokuti sei kuchinja inishuwarenzi shoma kana kuwedzera deductible kusvikira pamwero, uyewo kubvisa ndandanda insured njodzi "kukuvara nemhaka mamwe mamiriro ezvinhu." Muchiitiko ichi, inofanira kuva pamwero ruzivo kuti unobvumira kuti zvakajeka kopecks recalculate prices upi sangano mabasa chokuita mabasa inishuwarenzi.

Sei kuva actuary

Chinhu chokutanga unofanira kuwana akakodzera zvinodiwa. Education pamusoro actuary inodhura. The ongororo yakaitwa vashandirwi kunze chinoratidza kuti kurovedza vavo mari dziri ndezvomuzana £ 6,000 pagore kudzidza.

Kuva actuary, musarudzo vanofanira kupfuura vakawanda 15 bvunzo. Kuwedzera muripo, vashandi chekambani vari kutsigira emirayiridzo uye nezvimwe zvinhu kuti angabatsira mune kukura basa.

MuRussia, zvakaoma kudzidza kuva actuary

On mundima Russian Federation nokudzidziswa zvakananga dzakagadzirirwa ichi hachina kuita sangano rokudzidzisa. Kumboda kushanda kutora munhu ane yunivhesiti dhigirii uye zvakanaka masvomhu. Zvino kambani vakazvimiririra kuitisa kudzidzisa uye kusimudza kuti nyanzvi actuarial bhizimisi.

Vanofanira kuwana rugwaro muchiRussia Actuarial Society. Vamwe bvunzo Foreign neboka revanhu vaipfura Actuaries, kuti anobvumira kuti asimbise pamwero wavo ruzivo uye kubudirira achawana basa kambani inishuwarenzi imwe kana mubhengi.

Self-pamutemo masangano Actuaries (SRO Actuaries)

Kuti kuongorora mabasa nyanzvi idzi masangano asiri purofiti, izvo basa ravo, uye zvinogonawo kuita murau ukama pamisika pamusoro actuarial mabasa. Nemamwe mashoko, sangano kuzvidzora pamutemo pakati actuaries kubudikidza vashandi pamwe, uchiona nyanzvi izvi kushanda.

Chero nyanzvi yakadaro kuti basa ravo nemazvo mabasa anofanira kuva nhengo yesangano yakadaro.

Zvii SRO Actuaries

Unogona kusarudza zvinotevera mabasa:

1. Development, mvumo uye Implementation zvinodiwa uye mitemo inofanira kutungamirira actuaries kuita mabasa ounyanzvi.
2. Pokugadzwa zvaanoda uye mamiriro ezvinhu kubvuma nhengo itsva, iyo nhengo kubhadhara, Zvirango.
3. Kudzivirirwa zvido uye kodzero nhengo dzesangano kusvikira vehurumende, matare uye dzimwe zvekufamba.
4. Exercise kudzora nyanzvi basa nhengo dzesangano, pokuita kwavo vose mitemo uye pachishandiswa zvaitaurwa mutemo.
5. Nechokwadi uzere zvakwo rutsigiro nhengo.

Ndezvipi zvinodiwa vanofanira zvinoenderana SRO

Activities kurovedzera yokuRussia iri pamwe chete kwete zvakazara kunyatsobudirira ezvinhu apamutemo. Naizvozvo zvino pamberi State Duma ari kufunga rugwaro kuti dai waidzora mabasa Actuaries. Gwaro pamutemo zvinoratidza kuti sangano kuzvipira pamutemo kuti actuaries vanofanira kusangana zvinotevera zvinodiwa:

1. Sezvo chikamu chesangano, hapana asingasviki 100 vanhu kusangana zvose zvinodiwa yakatangwa mutemo.
2. Zvinofanira akaisira muripo mari vachibhadhara mu pave anoti vatengi. Fund kwakadaro akaumba chete Mari. Muchiitiko chino, nhengo dzose sangano riite zvairayirwa zvipo. The Mupiro pasipasi anofanira kuva akaenzana zviuru 30 rubles. The kunonyanyisa kukura kuripwa Zvinotaurwa vatengi ari muripo Fund hakufaniri anopfuura 600 000 rubles.
3. In sangano yakadaro inofanira kuva chimiro yakajeka, kupesana, uye collegial utariri muviri. Administrative simba raMwari supervisory bhodhi anogona kuita.
4. The sangano vanofanira kushanda kushandisa mitemo basa actuarial anoenderana uye murege nezvinotaurwa mumutemo waJehovha Russian Federation.

Iva nyanzvi uye kukwanisa kuverenga mari njodzi idzi kana zvimwe - chinhu chisinganzwisisiki basa. The actuary inofanira kuva nezivo yakanaka sayenzi chaiyo uye kukwanisa kugadzirisa zvinetso zvakaoma chokuita vakawandisa unknowns.