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Определение суммы страховых платежей и показателей страхования
Задача 1. Расчет суммы страховых платежей по добровольному страхованию
риска непогашения кредита
Рассчитайте суммы страховых платежей по добровольному страхованию риска
непогашения кредита при заключении договора страхования. Данные занесите
в Таблицу 1.
Данные для расчета. Кредит взят на сумму 70,6472 млн. руб. под 25,3%.
Срок пользования кредитом 1 год. Предел ответственности страховщика
70,92%. Тарифная годовая ставка 2,51%. Дата выдачи кредита 28.12.2009.
Даты погашения кредита: 27.1. 2010; 26.3.2010; 24.9.2010; 28.12.2010.
Суммы подлежащие погашению 6,6724 млн. руб.; 12,85 млн. руб.; 5, 1023
млн. руб.; 46,0225 млн. руб.
Выдача кредитаПогашение кредитаЗадолженность, млн. руб.Срок пользо вания
кредитом, мес.Предел ответственности страховщика, %Страховая сумма, млн.
руб.Тарифная ставка, %Сумма страховых платежейДатаСуммаДатаСуммаСумма
непогашенного кредитаСумма за пользование
кредитомИтогоустановленнаярасчетная28.12
200970,647227.120106,672463,974816,880,7748170,9257,282,510,620,3512,855
1,124812,9364,0548370,9245,422,511,250,565,102346,022511,6457,6625670,92
40,892,510,620,25Ито
го46,0225 — – – —-
Расчет показателей таблицы происходит следующим образом:
1. Определяется сумма непогашенного кредита:
1) 70,6472 – 6,6724 =63,9748 млн. руб.
2) 63,9748 – 12,85 = 51,1248 млн. руб.
3) 51,1248 – 5,1023 = 46,0225 млн. руб.
4) 46,0225 – 46,0225 – 0
2. Исчисляется сумма процентов за пользование кредитом (25,3%):
1)
63,9748picscalex100010009000003f200000002001c000000000005000000090200000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,18 млн. руб.
2) 51,1248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,93млн. руб.
3)
46,0225picscalex100010009000003f200000002001c000000000005000000090200000
00005000000020101000000050000000102ffffff00050000002e0118000000050000000
b0200000000050000000c020002a0081200000026060f001a00ffffffff000010000000c
0ffffffc6ffffff60080000c60100000b00000026060f000c004d6174685479706500005
0001c000000fb0280fe0000000000009001000000020002001053796d626f6c0000230d0
a2140f1120058b1f37761b1f3772040f577880d66c6040000002d01000008000000320a6
0019007010000003d7908000000320a6001000401000000b87908000000320a600122000
1000000b4791c000000fb0280fe0000000000009001000000000402001054696d6573204
e657720526f6d616e0058b1f37761b1f3772040f577880d66c6040000002d01010004000
000f001000009000000320a6001f004030000003130306508000000320a6001040301000
000333008000000320a6001aa02010000002c3008000000320a600136010200000032350
a00000026060f000a00ffffffff0100000000001c000000fb021000070000000000bc020
00000cc0102022253797374656d00c6880d66c600000a0021008a0100000000000000005
cf31200040000002d01000004000000f001010003000000000011,64 млн. руб.
3. Находиться страховая сумма:
1)
70,92picscalex100010009000003f300000002001c00000000000500000009020000000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,28 млн. руб.
2)
70,92picscalex100010009000003f300000002001c00000000000500000009020000000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,42 млн. руб.
3)
70,92picscalex100010009000003f300000002001c00000000000500000009020000000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,89 млн. руб.
4. Расчетная тарифная ставка имеет вид:
1)
picscalex100010009000003f100000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c020002a0071200000026060f001a00ffffffff000010000000c0ffffff
c6ffffff60070000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e0058b1f37761b1f3772040f577ae0c6678040000002d01000008000000320a6001d405
02000000313208000000320a6001e80301000000333208000000320a60014e0102000000
353108000000320a6001f400010000002c3108000000320a60013a000100000032311c00
0000fb0280fe0000000000009001000000020002001053796d626f6c0000c2060a1b40f1
120058b1f37761b1f3772040f577ae0c6678040000002d01010004000000f00100000800
0000320a6001e40401000000b83108000000320a6001e00201000000b4310a0000002606
0f000a00ffffffff0100000000001c000000fb021000070000000000bc02000000cc0102
022253797374656d0078ae0c667800000a0021008a0100000000000000005cf312000400
00002d01000004000000f0010100030000000000 = 0,62%
2)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,25%
3)
picscalex100010009000003f100000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c020002a0071200000026060f001a00ffffffff000010000000c0ffffff
c6ffffff60070000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e0058b1f37761b1f3772040f577ff0d66d5040000002d01000008000000320a6001d405
02000000313208000000320a6001e80301000000333208000000320a60014e0102000000
353108000000320a6001f400010000002c3108000000320a60013a000100000032311c00
0000fb0280fe0000000000009001000000020002001053796d626f6c00009a0d0af840f1
120058b1f37761b1f3772040f577ff0d66d5040000002d01010004000000f00100000800
0000320a6001e40401000000b83108000000320a6001e00201000000b4310a0000002606
0f000a00ffffffff0100000000001c000000fb021000070000000000bc02000000cc0102
022253797374656d00d5ff0d66d500000a0021008a0100000000000000005cf312000400
00002d01000004000000f0010100030000000000 = 0,62%
5. Сумма страховых платежей:
1)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 млн. руб.
2)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 млн. руб.
3)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 млн. руб.
Задача 2. Расчет суммы страховых платежей по добровольному страхованию
ответственности заемщиков за непогашение кредита
Рассчитайте суммы страховых платежей по добровольному страхованию
ответственности заемщиков за непогашение кредита. Данные занесите в
Таблицу 2, представленную в Приложении 3.
Данные для расчета.
Кредит взят на сумму 660,99 тыс. руб. Срок пользования кредитом 2 года.
Предел ответственности страховщика 70%. Тарифная ставка 3,34%. Дата
выдачи кредита 26.2.2009. Сроки пользования кредитом: 6 мес.; 4 мес.; 6
мес.; 2 мес.
Суммы, подлежащие погашению 165,119 тыс. руб.; 108,642 тыс. руб.;
167,931 тыс. руб. 0,759 тыс. руб.; 218,539 тыс. руб.
Таблица 2
Справка – расчет страховых платежей по добровольному страхованию
ответственности за непогашение кредита
Дата выдачи кредитаСумма выдачи кредита, тыс.руб.Срок пользования
кредитом, мес.Дата погашения кредитаПредел ответственности страховщика,
%Страховая сумма, тыс. руб.Срок пользования кредитом, мес.Тарифная
ставка, %Сумма страховых платежей, тыс.
руб.установленнавярасчетная26.02.
2009660,996 мес.26.08.200970%462,6936 мес.3,341,677,724
мес.26.12.200970%347,10974 мес.3,341,113,856 мес.26.07.201070%271,066
мес.3,341,674,526 мес.26.12.201070%153,50866 мес.3,341,672,562
мес.26.02.201170%152, 97732 мес.3,340,550,84 – – – – – – – – –
1. Страховая сумма определяется следующим образом:
1.
660,99picscalex1000100090000039d00000002001c0000000000050000000902000000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 =
462,693 тыс. руб.
2. (660,99 – 165, 119)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 = 347,1097
тыс. руб.
3. (660,99 – 165,119 -108,642)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 = 271,06
тыс. руб.
4. (660,99 – 165, 119 – 108,642 – 167,931)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 = 153,5086
тыс. руб.
5. (660,99 – 165, 119 – 108,642 – 167,931 – 0,759)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 =152,977,3
тыс. руб.
2. Расчетная тарифная ставка имеет вид:
1.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,34pic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 =1,67%
2.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,34pic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 = 1,11%
3.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,34pic
scalex1000100090000039d00000002001c0000000000050000000902000000000500000
0020101000000050000000102ffffff00050000002e0118000000050000000b020000000
0050000000c02400140011200000026060f001a00ffffffff000010000000c0ffffff260
0000000010000660100000b00000026060f000c004d61746854797065000020001c00000
0fb0280fe0000000000009001000000020002001053796d626f6c0000080d0ae4a0f1120
058b1f37761b1f3772040f577cd0c664e040000002d01000008000000320a00013a00010
00000b8790a00000026060f000a00ffffffff0100000000001c000000fb0210000700000
00000bc02000000cc0102022253797374656d0000cd0c664e00000a0021008a010000000
0ffffffffbcf31200040000002d01010004000000f001000003000000000012 =1,67%
4.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,34pic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 =1,67%
5.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,34pic
scalex1000100090000039d00000002001c0000000000050000000902000000000500000
0020101000000050000000102ffffff00050000002e0118000000050000000b020000000
0050000000c02400140011200000026060f001a00ffffffff000010000000c0ffffff260
0000000010000660100000b00000026060f000c004d61746854797065000020001c00000
0fb0280fe0000000000009001000000020002001053796d626f6c0000080d0ae4a0f1120
058b1f37761b1f3772040f577cd0c664e040000002d01000008000000320a00013a00010
00000b8790a00000026060f000a00ffffffff0100000000001c000000fb0210000700000
00000bc02000000cc0102022253797374656d0000cd0c664e00000a0021008a010000000
0ffffffffbcf31200040000002d01010004000000f001000003000000000012 = 0,55%
3. Сумма страховых платежей:
1.
1,67picscalex1000100090000039d00000002001c000000000005000000090200000000
05000000020101000000050000000102ffffff00050000002e0118000000050000000b02
00000000050000000c02400120011200000026060f001a00ffffffff000010000000c0ff
ffff26000000e0000000660100000b00000026060f000c004d6174685479706500002000
1c000000fb0280fe0000000000009001000000020002001053796d626f6c0000c30c0a64
2ced120058b1f37761b1f3772040f5777b0d6696040000002d01000008000000320a0001
220001000000b4790a00000026060f000a00ffffffff0100000000001c000000fb021000
070000000000bc02000000cc0102022253797374656d00007b0d669600000a0021008a01
00000000ffffffff48ef1200040000002d01010004000000f0010000030000000000462,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 =
7,72 тыс. руб.
2.
1,11picscalex1000100090000039d00000002001c000000000005000000090200000000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,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= 3,85 тыс. руб.
3.
1,67picscalex1000100090000039d00000002001c000000000005000000090200000000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,06picscalex1000100090000039d00000002001c0000000000050000000902000000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 = 4,52 тыс. руб.
4.
1,67picscalex1000100090000039d00000002001c000000000005000000090200000000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,5086picscalex1000100090000039d00000002001c00000000000500000009020000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 = 2,56 тыс. руб.
5.
0,55picscalex1000100090000039d00000002001c000000000005000000090200000000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,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= 0,84 тыс. руб.
Задача 3. Расчет показателей страхования по двум регионам
Рассчитайте следующие показатели страхования по двум регионам:
1. Частота страховых событий на 100 ед. объектов.
2. Коэффициент кумуляции риска.
3. Коэффициент убыточности страховой суммы на 100 руб. страховой суммы.
4. Тяжесть ущерба.
Выберите наименее убыточный регион.
Данные для расчета представлены в таблице 2
Таблица 2
ПоказателиРегион 1Регион 21. Число застрахованных объектов,
ед.27692303612. Страховая сумма застрахованных объектов51,57947,7923.
Число пострадавших объектов, ед.971684694. Число страховых случаев,
ед.891562665. Страховое возмещение, тыс. руб.6,4165862Частота страховых
случаев (Чс) характеризуется количеством событий на один объект
страхования [1, с. 101]: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где
Чс – частота страховых событий;
L – число страховых событий, ед.;
n – число объектов страхования, ед.
Исходя из этого, производим расчет:
Регион 1: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Регион 2: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.
Кумуляция представляет собой скопление застрахованных объектов на
ограниченном пространстве, например, на одном складе, судне.
Коэффициент кумуляции риска, или опустошительность события (Кк),
представляет собой отношение числа пострадавших объектов к числу
страховых событий: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где
Кк – коэффициент кумуляции риска;
m – число пострадавших объектов в результате страхового случае, ед.;
L – число страховых событий, ед.
Коэффициент кумуляции риска:
Регион 1: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Регион 2: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Коэффициент убыточности (Ку), или коэффициент ущерба, представляет собой
отношение суммы выплаченного страхового возмещения к страховой сумме
всех пострадавших объектов страхования: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где
Ку – коэффициент убыточности;
В – сумма выплаченного страхового возмещения, руб.;
С – страховая сумма для всех объектов страхования, руб.
Коэффициент убыточности может быть меньше или равен единице, но не
больше, иначе это означало бы, что все застрахованные объекты уничтожены
более одного раза.
Убыточность страховой суммы на 100 руб. страховой суммы:
Регион 1: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Регион 2: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Тяжесть ущерба (Ту), или размер ущерба, представляет собой произведение
коэффициента убыточности и тяжести риска: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;
где Ту – тяжесть ущерба.
Тяжесть ущерба показывает среднюю арифметическую величину ущерба по
поврежденным объектам страхования по отношению к средней страховой сумме
всех объектов.
Тяжесть ущерба (измеряется в %):
Регион 1: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Регион 2: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Ответ: Наименее убыточным является регион А.
Задача 4 Определение коэффициента финансовой устойчивости страхового
фонда
Определите коэффициент финансовой устойчивости страхового фонда и
финансово устойчивую страховую компанию.
Данные для расчета.
Страховая компания №1 имеет страховых платежей 14,7371 млн. руб.,
остаток средств в запасном фонде 37,434 тыс. руб. Выплаты страхового
возмещения составили 13,051 млн. руб., расходы на ведение дела 697,506
тыс. руб.
Страховая компания №2 имеет страховых платежей 8,1657 млн. руб., остаток
средств в запасном фонде 104,98 тыс. руб. Выплаты страхового возмещения
составили 11,3771 млн. руб., расходы на ведение дела 636,204 тыс. руб.
Решение:
Превышение доходов над расходами страховщика выражается в коэффициенте
финансовой устойчивости страхового фонда и показывается формулой: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где
Кф – коэффициент финансовой устойчивости страхового фонда;
Д – сумма доходов страховщика за данный период (квартал, год), руб.;
З – сумма средств на запасных фондах, руб.;
Р – сумма расходов страховщика за данный период (квартал, год), руб. [1,
с. 119]
Коэффициент финансовой устойчивости страхового фонда составит:
Для страховой компании №1:
Кф = (14,7371+0,037434)/(13,051+0,697506) =1,074;
Для страховой компании №2
Кф = (8,1657+0,10498)/(11,3771+0,636204) = 0,688.
Чем выше данный коэффициент данный коэффициент, тем устойчивее страховая
компания [1, с. 119]
Ответ: Страховая компания №1 более финансово устойчива, чем страховая
компания №2.
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