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Организация работы специализированной страховой компании, занимающейся имущественным страхованием

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12

Индивидуальное задание по дисциплине «Страхование»

«Организация работы специализированной страховой компании, занимающейся
имущественным страхованием»

Оглавление

1. Цели и постановка задачи

2. Обоснование выбора страховой организации

3. Исходные данные

4. Структура и расчет страховых тарифов

5. Расчет страховых премий и их учет

6. Определение ущерба и страхового возмещения в имущественном
страховании

7. Финансовая устойчивость страховых операций

8. Платежеспособность страховщика и определение нормативного соотношения
активов и принятых им страховых обязательств

Библиографический список

1. Цели и постановка задачи

Страховое дело – это стратегический сектор экономики. Особенно в период
развития рыночных отношений предприниматель получает возможность
сосредоточить все свое внимание на прибылях, рынках и конкуренции,
будучи уверенным при этом, что средства и предметы труда материально
защищены от любых случайностей.

Очень важен вдумчивый подход к финансовым возможностям деятельности
страховых компаний, поскольку их деятельность является важным элементом
функционирования финансового рынка.

Целью выполнения индивидуального задания по дисциплине «Страхование»
является закрепление теоретических знаний, полученных на лекциях и
практических занятиях.

Важным аспектом при выполнении индивидуального задания является
приобретение навыков страховых расчетов:

– уставного капитала;

– страховых тарифов;

– страховых премий (взносов);

– страховых сумм;

– ущерба при возникновении страхового случая;

– страхового возмещения по системе первого риска и системе
пропорциональной ответственности;

– финансовой устойчивости страховых операций;

– эффективности работы страховой компании.

А также научиться анализировать ситуацию на страховом рынке, результаты
работы компании, приобрести навыки по выработке мероприятий на основании
анализа финансово-хозяйственной деятельности, научиться составлять
бизнес-план развития компании, делать выводы по результатам анализа.

2. Обоснование выбора страховой организации

ООО «Счастливчик» – это общество с ограниченной ответственностью.
Участники такого общества вносят взнос в уставный капитал и несут
ограниченную ответственность в пределах своих вкладов. Уставный капитал
общества разделен на паевые доли. Паи распределены между учреждениями
без проведения публичной подписи и являются именными.

Страховая компания «Счастливчик» была основана в 2004 году и
представлена во всех городах Липецкого района.

Это крупная компания по имущественному страхованию с богатым опытом
работы на страховом рынке, предоставляет услуги физическим и юридическим
лицам на всей территории Липецкой области.

Имущественное страхование – отрасль страхования, в которой объектом
страховых отношений выступает имущество в различных видах.

Застрахованным может быть имущество, являющееся собственностью
страхователя либо находящееся в его владении, пользовании или
распоряжении.

Страхователями выступают либо собственники имущества либо другие лица,
несущие ответственность за его сохранность.

Клиентская база компании обширна и разнообразна. Руководство компании
обладает высокой деловой репутацией среди страхового сообщества.
ООО «Счастливчик» обладает обширным опытом урегулирования крупных
убытков страхователей.

Липецк – наиболее динамично развивающийся город в Черноземье. За
последние 50 лет население города выросло более, чем в 4 раза и
превысило Ѕ миллиона человек (502,6 тыс. чел.). В настоящее время Липецк
– второй город в ЦЧР (после Воронежа) по численности населения.

Липецк – это промышленный центр с преобладанием тяжелой промышленности.
Основное предприятие города – Новолипецкий металлургический комбинат;
также функционирует металлургическое предприятие «Свободный сокол».
Развито машиностроение и металлообработка. Помимо этого, имеются
многочисленные предприятия пищевой и легкой промышленности. В 2006 году
начала строиться особая экономическая зона «Липецк». Благодаря
реализации специальной программы по охране окружающей среды, проводимой
администрацией в последние годы, Липецк вышел из компании «грязных»
городов.

3. Исходные данные

Для расчета страховых тарифов и платежей по имущественному страхованию

Наименование показателяЕд. изм.Величина1. Средняя величина страховой
выплаты на один договор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тыс. р.302. Средняя величина страховой суммы на один договор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тыс. р.503. Средний объем выплат страхового возмещения
picscalex100010009000003b300000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c022002c0011200000026060f001a00ffffffff000010000000c0ffffff
aeffffff80010000ce0100000b00000026060f000c004d61746854797065000030000800
0000fa0200001000000000000000040000002d0100000500000014025a00400005000000
13025a007e011c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f5771b156604040000002d0101000800
0000320ac00116000100000057790a00000026060f000a00ffffffff0100000000001c00
0000fb021000070000000000bc02000000cc0102022253797374656d00001b1566040000
0a0021008a0100000000ffffffffbcf31200040000002d01020004000000f00101000300
00000000тыс. р.604. Средняя совокупная страховая сумма всех
застрахованных объектов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тыс. р.2005. Вероятность наступления страхового случая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,056. Доля нагрузки в брутто-ставке
picscalex1000100090000039d00000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02a001c0011200000026060f001a00ffffffff000010000000c0ffffff
c6ffffff80010000660100000b00000026060f000c004d61746854797065000020001c00
0000fb0280fe0000000000009001010000cc0402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577440e6640040000002d01000008000000320a60014600
01000000cd790a00000026060f000a00ffffffff0100000000001c000000fb0210000700
00000000bc02000000cc0102022253797374656d0000440e664000000a0021008a010000
0000ffffffffbcf31200040000002d01010004000000f0010000030000000000%
(р/100 р.)6.1. Расходы на ведение дела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р/100 р.0,086.2. Расходы на предупредительные
мероприятия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%166.3. Планируемая прибыль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%107. Страховая сумма по договору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тыс.
р.4008. Франшиза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%89.
Стоимость имущества по страховой оценке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тыс.
р.800010. Сумма износа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тыс.
р.17611. Расходы по спасению и приведению имущества в порядок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тыс.
р.2512. Стоимость остатков пригодного имущества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тыс.
р.812

Для расчета финансового результата страховой компании, ее
платежеспособности (по данным бухгалтерского баланса страховщика на
отчетную дату)

НаименованиеЕд. изм.Величина1. Уставный капитал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млн. р.202. Добавленный капитал
picscalex100010009000003c900000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02600280021200000026060f001a00ffffffff000010000000c0ffffff
a6ffffff40020000060200000b00000026060f000c004d61746854797065000070001c00
0000fb0220ff0000000000009001010000cc0402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577dd11664a040000002d01000008000000320ae0018301
01000000c4791c000000fb0280fe0000000000009001010000cc0402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577dd11664a040000002d0101000400
0000f001000008000000320a8001460001000000ca790a00000026060f000a00ffffffff
0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656d
004add11664a00000a0021008a010000000000000000bcf31200040000002d0100000400
0000f0010100030000000000млн. р.23. Резервный капитал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млн. р.44. Непокрытые убытки
picscalex100010009000003c900000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02200200031200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffc0020000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0220ff0000000000009001010000cc0402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577fd11667c040000002d01000008000000320ae0016001
02000000cdcf1c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577fd11667c040000002d0101000400
0000f001000008000000320a800116000100000055cf0a00000026060f000a00ffffffff
0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656d
007cfd11667c00000a0021008a010000000000000000bcf31200040000002d0100000400
0000f0010100030000000000млн. р.0,75. Акции компании, выкупленные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млн. р.1,96. Нематериальные активы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млн. р.2,87. Дебиторская задолженность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млн. р.0,98. Сумма резерва по страхованиюмлн.
р.1779. Доля перестраховщиков по страхованию%2610. Сумма страховых
премий по
страхованиюpicscalex100010009000003c900000002001c00000000000500000009020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. Сумма страховых премий,
возвращенных страхователями в связи с расторжением договоров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млн. р.5,512. Сумма отчислений от страховых
премий в резерв предупредительных мероприятий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млн. р.4,513. Сумма других отчислений от
страховых премий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млн. р.114. Страховые выплаты на 3 года
предшествующие дате расчета по имущественному страхованию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млн. р.24815.
Страховые поступления, связанные с реализацией права страховщика на
суброгацию за 3 года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млн. р.4916.
Резерв, заявленных, но неурегулированных убытков на начало трехлетнего
периода
picscalex100010009000003f500000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02200200031200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffc0020000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0220ff0000000000009001010000000402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577fb11669b040000002d01000008000000320ae0017a01
0200000050481c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577fb11669b040000002d0101000400
0000f001000008000000320a800140000100000053481c000000fb0220ff000000000000
9001000000000402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020
f577fb11669b040000002d01000004000000f001010008000000320ae001050101000000
31480a00000026060f000a00ffffffff0100000000001c000000fb021000070000000000
bc02000000cc0102022253797374656d009bfb11669b00000a0021008a01000000000100
00005cf31200040000002d01010004000000f0010000030000000000млн. р.1917.
Резерв, заявленных, но неурегулированных убытков на начало трехлетнего
периода, на дату расчета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млн. р.2918.
Резерв произошедших, но незаявленных убытков на начало трехлетнего
периода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млн. р.18,419.
Резерв произошедших, но незаявленных убытков на начало трехлетнего
периода, на дату расчета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млн. р.14,420.
Страховые выплаты по имущественному страхованию за год, предшествующий
дате расчетамлн. р.6021. Резерв заявленных, но неурегулированных убытков
на начало расчетного годамлн. р.3022. Резерв заявленных, но
неурегулированных убытков на дату расчетамлн. р.2923. Резерв
происшедших, но незаявленных убытков на начало расчетного годамлн.
р.1624. Резерв происшедших, но незаявленных убытков на дату расчетамлн.
р.13,425. Доля перестраховщиков в страховых выплатах%2426. Доля
перестраховщиков в резерве заявленных, но неурегулированных убытков на
начало расчетного года%7,427. Доля перестраховщиков в резерве
заявленных, но неурегулированных убытков на дату расчета%1428. Доля
перестраховщиков в резерве происшедших, но незаявленных убытков на
начало расчетного года%429. Доля перестраховщиков в резерве происшедших,
но незаявленных убытков на дату расчета%2,5

4. Расчет страховых тарифов

Расчет нетто-ставки.

1) Вероятность наступления страхового случая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.
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picscalex1000100090000031401000003001c0000000000050000000902000000000500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m =2 – количество выплат при наступлении страхового случая; n = 4000 –
общее число заключенных договоров; 100 р. – единица страховой суммы.
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р.

Рассчитанная нетто-ставка корректируется на поправочный коэффициент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.
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Получаем формулу для расчета нетто-ставки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 с единицы страховой суммы в 100 р.
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р.

Формула расчета средней нетто-ставки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 будет иметь вид
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р.

По массовым рисковым видам страхования учитывается рисковая надбавка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.

picscalex1000100090000034f03000004001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02c004c0241200000026060f001a00ffffffff000010000000c0ffffff
b5ffffff80240000750400000b00000026060f000c004d61746854797065000000010800
0000fa0200001000000000000000040000002d0100000500000014026002750b05000000
130260028e0f050000001402f102790a050000001302d502aa0a08000000fa0200002000
000000000000040000002d010100050000001402dd02aa0a0500000013025f04f10a0400
00002d0100000500000014025f04f90a0500000013025300570b0500000014025300570b
0500000013025300ae0f0500000014026002001a0500000013026002dc20050000001402
e2020419050000001302c6023519040000002d010100050000001402ce02351905000000
13023e047c19040000002d0100000500000014023e0484190500000013026000e2190500
000014026000e2190500000013026000fc201c000000fb0280fe00000000000090010000
00000402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020f5778212
66f3040000002d01020008000000320ac002c02301000000347908000000320ac0025a23
010000002c7908000000320ac002a02201000000307908000000320aec03541f02000000
303508000000320aec03f41e010000002c3508000000320aec033a1e0100000030350800
0000320aec034a1d010000002a3509000000320aec031a1a040000003430303008000000
320ace01311e02000000303508000000320ace01d11d010000002c3508000000320ace01
171d01000000303508000000320ace01131b01000000313509000000320ac002b6160300
00003634353008000000320ac0025616010000002c3408000000320ac002ba1501000000
313408000000320ac002ee14010000002a3408000000320ac0020a140100000033340800
0000320ac0022013010000002a3408000000320ac002301201000000323408000000320a
c002ca11010000002c3408000000320ac0022e1101000000313408000000320aec03850c
010000002a3408000000320ac1016b0b01000000313408000000320ac0026d0801000000
2a3408000000320ac0024d05010000002a3408000000320ac0025d040100000032340800
0000320ac002f703010000002c3408000000320ac0025b030100000031341c000000fb02
80fe0000000000009001000000020002001053796d626f6c000084150af1a0f11200d89f
f377e19ff3772020f577821266f3040000002d01030004000000f001020008000000320a
c0026e21010000003d3408000000320ace01fd1b010000002d3408000000320ac0022010
010000003d3408000000320ac101550c010000002d3408000000320ac0024d0201000000
3d341c000000fb0220ff0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00d89ff377e19ff3772020f577821266f3040000002d01020004000000f001
030008000000320a4c04650e02000000edee08000000320a21025f0e02000000edee0800
0000320a20032d0702000000edf108000000320a20033f0101000000f0f11c000000fb02
80fe0000000000009001010000cc0402001054696d6573204e657720526f6d616e00d89f
f377e19ff3772020f577821266f3040000002d01030004000000f001020008000000320a
ec03630d01000000d2f11c000000fb0280fe000000000000900101000000040200105469
6d6573204e657720526f6d616e00d89ff377e19ff3772020f577821266f3040000002d01
020004000000f001030008000000320aec038f0b010000006ef11c000000fb0280fe0000
000000009001010000cc0402001054696d6573204e657720526f6d616e00d89ff377e19f
f3772020f577821266f3040000002d01030004000000f001020008000000320ac1015d0d
01000000d2f108000000320ac0022b0601000000d2f108000000320ac002220001000000
d2f11c000000fb0280fe0000000000009001010000020402001053796d626f6c00005d16
0a98a0f11200d89ff377e19ff3772020f577821266f3040000002d01020004000000f001
030008000000320ac00245090100000061f10a00000026060f000a00ffffffff01000000
00001c000000fb021000070000000000bc02000000cc0102022253797374656d00f38212
66f300000a0021008a010000000003000000bcf31200040000002d01030004000000f001
0200030000000000р,

где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-
коэффициент, который зависит от гарантии безопасности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=0,95.

Расчет брутто-ставки.

Статьи нагрузки составляют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р. со 100 р.;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;
picscalex1000100090000032901000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02200220071200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffe0060000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f5774c0e66aa040000002d01000008000000320a80016305
02000000252e08000000320a8001e3030200000031301c000000fb0280fe000000000000
9001000000020002001053796d626f6c0000080e0a09a0f11200d89ff377e19ff3772020
f5774c0e66aa040000002d01010004000000f001000008000000320a8001d50201000000
3d301c000000fb0220ff0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00d89ff377e19ff3772020f5774c0e66aa040000002d01000004000000f001
010008000000320ae001880101000000cf301c000000fb0280fe00000000000090010100
00cc0402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020f5774c0e
66aa040000002d01010004000000f001000008000000320a80014c0001000000cf300a00
000026060f000a00ffffffff0100000000001c000000fb021000070000000000bc020000
00cc0102022253797374656d00aa4c0e66aa00000a0021008a010000000000000000bcf3
1200040000002d01000004000000f0010100030000000000 Размер брутто-ставки
составит:
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р., где
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, где
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-
суммарная нагрузка брутто-ставки;
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- доля статей нагрузки, закладываемая в процентах к
брутто-ставке.

Рассчитанная брутто-ставка по страхованию данного имущества равна 4,2
рубля со 100 р. страховой суммы.

5. Расчет страховых премий и их учет

Расчет страховой премии осуществляется по формуле:
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Сумма договора составляет 400000 р. Тарифная брутто-ставка – 4,2 р.
Страховая премия составит:
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 р.

Расчет страховой премии при наличии франшизы. Сумма договора составляет
400000 р. Франшиза – 8%. Тарифная ставка – 2,5 р., тогда:
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р.
picscalex100010009000003510000000000120000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02200220011200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffe0000000c60100000b00000026060f000c004d61746854797065000050000a00
000026060f000a00ffffffff010000000000030000000000

Для учета поступления платежей по договорам делается запись:

Д50, 51, 52, 92 – К77–1

6. Определение ущерба и страхового возмещения в имущественном
страховании

Главный принцип имущественного страхования – принцип возмещения ущерба.
Размер ущерба определяется на основании страхового акта, составленного
страховщиком, уполномоченным им лицом с участием страхователя.

Рассмотрим один из страховых случаев, которым занималась наша компания.
В результате наводнения обрушилось административное здание. После
наводнения остался фундамент, стоимость которого составляет 12%
стоимости здания. Дом возведен 7 лет назад. Для расчистки территории
после наводнения привлекались техника и люди. Затраты составили 25 тыс.
р., действующая норма амортизации составляет 2,2%. Определим ущерб
нанесенный зданию страховым случаем.

SS =8000 тыс. р.;

I = 8000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 0,022 =
176 тыс. р.;

R = 25 тыс. р.;

O = 8000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 0,12 –
(8000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 0,12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 0,022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 7) =
960 – 148 = 812 тыс. р.

U = SS – I + R – O = SS – I + R – O = 8000 – 176 + 25 – 812 = 7037 тыс.
р.

Величина страхового возмещения зависит от размера ущерба и системы
страховой ответственности, предусмотренной в договоре страхования,
которая обусловливает степень возмещения возникшего ущерба. Существует
несколько систем:

1. Система пропорциональной ответственности.

2. Система первого риска.

3. Система предельной ответственности.

Рассмотрим страхование по системе пропорциональной ответственности,
которое означает неполное страхование стоимости объекта. Величина
страхового возмещения:
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, где (9)

W – величина страхового возмещения, р.;

picscalex100010009000003c900000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c024002e0011200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffa0010000e60100000b00000026060f000c004d61746854797065000060001c00
0000fb0220ff0000000000009001010000000402001054696d6573204e657720526f6d61
6e00b8aef377c1aef3772040f5772711661e040000002d01000008000000320ae0011e01
010000006e791c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00b8aef377c1aef3772040f5772711661e040000002d0101000400
0000f001000008000000320a800140000100000053790a00000026060f000a00ffffffff
0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656d
001e2711661e00000a0021008a010000000000000000bcf31200040000002d0100000400
0000f0010100030000000000= 9 – страховая сумма по договору, р.;

SS = 11 – страховая стоимость объекта страхования, р.;

U = 7 – фактическая сумма ущерба, р.
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млн. р.

В договорах имущественного страхования часто предусматривают собственное
участие страхователя в покрытии части ущерба (франшиза). Это освобождает
страховщика от обязанности возмещения мелких ущербов. Она выгодна и для
страхователя, так как обеспечивает ему льготное снижение страховых
премий.

Страховая стоимость 100 тыс. р., страховая сумма 80 тыс. р., условная
франшиза – 1000 р. Ущерб составит: 1) 900 р.; 2) 1200 р.

В первом случае ущерб не подлежит возмещению. Во втором случае ущерб
возмещается.

Выплата страховых возмещений при возникновении страховых случаев
производится страхователю или выгодоприобретателю:

Д22–1 – К50, 51, 52, 77

Д77,92 – К22–1

7. Финансовая устойчивость страховых операций

Страховая компании ООО «Счастливчик» имеет доходов 120 млн. р. Сумма
средств в запасных фондах на конец тарифного периода – 45 млн. р. Сумма
расходов 130,5 млн. р., расходы на ведение дела 4,8 млн. р.

Для оценки финансовой устойчивости страхового фонда как отношения
доходов к расходам за тарифный период используют коэффициент финансовой
устойчивости страхового фонда
(picscalex100010009000003c900000002001c000000000005000000090200000000050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):
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, где
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сумма доходов за
тарифный период;

picscalex100010009000003f500000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02800260051200000026060f001a00ffffffff000010000000c0ffffff
aeffffff200500002e0200000b00000026060f000c004d61746854797065000070001c00
0000fb02c0fd0000000000009001000000020002001053796d626f6c0000b40e0ab7a0f1
1200b8aef377c1aef3772040f57795116663040000002d01000008000000320af9013700
01000000e5791c000000fb0280fe0000000000009001000000020002001053796d626f6c
000034100a58a0f11200b8aef377c1aef3772040f57795116663040000002d0101000400
0000f001000008000000320aa0013f04010000002d791c000000fb0280fe000000000000
9001010000000402001054696d6573204e657720526f6d616e00b8aef377c1aef3772040
f57795116663040000002d01000004000000f001010008000000320aa0010b0202000000
5a460a00000026060f000a00ffffffff0100000000001c000000fb021000070000000000
bc02000000cc0102022253797374656d00639511666300000a0021008a01000000000100
0000bcf31200040000002d01010004000000f0010000030000000000сумма средств в
запасных фондах на концах тарифного периода;

picscalex100010009000003c900000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02800240031200000026060f001a00ffffffff000010000000c0ffffff
aeffffff000300002e0200000b00000026060f000c004d61746854797065000070001c00
0000fb02c0fd0000000000009001000000020002001053796d626f6c00001b110a29a0f1
1200b8aef377c1aef3772040f5774a10663c040000002d01000008000000320af9013700
01000000e5791c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00b8aef377c1aef3772040f5774a10663c040000002d0101000400
0000f001000008000000320aa00111020100000052790a00000026060f000a00ffffffff
0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656d
003c4a10663c00000a0021008a010000000000000000bcf31200040000002d0100000400
0000f0010100030000000000- сумма расходов за тарифный период.
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Страховая компания ООО «Счастливчик» финансово устойчива.

8. Платежеспособность страховщика и определение нормативного соотношения
активов и принятых им страховых обязательств

Расчет платежеспособности страховой компании

1. Расчет фактической маржи
(picscalex100010009000003c900000002001c000000000005000000090200000000050
00000020101000000050000000102ffffff00050000002e0118000000050000000b02000
00000050000000c022002a0021200000026060f001a00ffffffff000010000000c0fffff
fa6ffffff60020000c60100000b00000026060f000c004d61746854797065000050001c0
00000fb0220ff0000000000009001010000cc0402001054696d6573204e657720526f6d6
16e00d89ff377e19ff3772020f577ce0e66ab040000002d01000008000000320ae001aa0
101000000d4791c000000fb0280fe0000000000009001010000cc0402001054696d65732
04e657720526f6d616e00d89ff377e19ff3772020f577ce0e66ab040000002d010100040
00000f001000008000000320a8001400001000000cc790a00000026060f000a00fffffff
f0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656
d00abce0e66ab00000a0021008a010000000000000000bcf31200040000002d010000040
00000f0010100030000000000):

picscalex1000100090000033102000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c026002c0211200000026060f001a00ffffffff000010000000c0ffffff
a6ffffff80210000060200000b00000026060f000c004d61746854797065000070001c00
0000fb0220ff0000000000009001010000cc0402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577d80e6660040000002d01000008000000320ae001c220
01000000c47908000000320ae001ed1c02000000cdc01c000000fb0220ff000000000000
9001010000000402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020
f577d80e6660040000002d01010004000000f001000008000000320ae001eb1901000000
41c008000000320ae001de160100000041c01c000000fb0220ff00000000000090010100
00cc0402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020f577d80e
6660040000002d01000004000000f001010008000000320ae001e21202000000cdcf0800
0000320ae001f90e02000000cdd008000000320ae001e70b01000000f0d008000000320a
e0018e0801000000e4d008000000320ae0015c0501000000f3d008000000320ae001b401
01000000f4d01c000000fb0280fe0000000000009001010000000402001054696d657320
4e657720526f6d616e00d89ff377e19ff3772020f577d80e6660040000002d0101000400
0000f001000008000000320a8001ad1f010000005ad008000000320a80010b1c01000000
53d008000000320a8001fe180100000053d008000000320a8001d315010000005ad00800
0000320a80019a110100000055d01c000000fb0280fe0000000000009001010000cc0402
001054696d6573204e657720526f6d616e00d89ff377e19ff3772020f577d80e66600400
00002d01000004000000f001010008000000320a8001040e01000000d0d008000000320a
8001a80a01000000cad008000000320a80016e0701000000cad008000000320a80012404
01000000cad008000000320a8001400001000000ccd01c000000fb0280fe000000000000
9001000000020002001053796d626f6c00004c0e0a8ba0f11200d89ff377e19ff3772020
f577d80e6660040000002d01010004000000f001000008000000320a80018b1e01000000
2dd008000000320a8001e91a010000002dd008000000320a8001dc17010000002dd00800
0000320a8001b114010000002dd008000000320a8001a210010000002dd008000000320a
8001d70c010000002bd008000000320a80017b09010000002bd008000000320a80014106
010000002bd008000000320a8001e502010000003dd00a00000026060f000a00ffffffff
0100000000001c000000fb021000070000000000bc02000000cc0102022253797374656d
0060d80e666000000a0021008a010000000000000000bcf31200040000002d0100000400
0000f0010100030000000000,

Для расчета фактической маржи платежеспособности данные взяты из
бухгалтерского баланса страховой компании ООО «Счастливчик» на последнюю
дату (млн. р.)
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 млн. р.

2. Расчет нормативной маржи
(picscalex100010009000003f500000002001c000000000005000000090200000000050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):
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, где
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- поправочный коэффициент.
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Сумма резерва по страхованию 177, доля перестраховщиков в резерве по
страхованию 26. Рассчитаем поправочный коэффициент:
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Рассчитаем нормативный резерв маржи платежеспособности по имущественному
страхованию:
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 млн. р.

Рассчитаем нормативный размер маржи платежеспособности по имущественному
страхованию. Определим первый показатель для расчета маржи
платежеспособности:
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 млн. р.,

где

Определим второй показатель для расчета нормативной маржи
платежеспособности по имущественному страхованию:
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Рассчитаем поправочный коэффициент. Для этого предварительно произведем
расчеты промежуточных итогов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 и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:
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 млн. р.
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 млн. р.

Поправочный коэффициент определяем по формуле:

picscalex1000100090000031e02000003001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c022004e0161200000026060f001a00ffffffff000010000000c0ffffff
b8ffffffa0160000d80300000b00000026060f000c004d617468547970650000e0000800
0000fa0200001000000000000000040000002d0100000500000014020002810405000000
1302000271090500000014020002210b05000000130200029d111c000000fb0280fe0000
000000009001000000000402001054696d6573204e657720526f6d616e00d89ff377e19f
f3772020f5779e0c66c4040000002d01010009000000320a600261140300000034383465
08000000320a6002fb13010000002c3808000000320a6002411301000000303808000000
320a8c03ef0e01000000343808000000320a8c03890e010000002c3808000000320a8c03
0f0d02000000353608000000320a6e01ed1001000000313608000000320a6e01b1100100
00002c3608000000320a6e01370f02000000323908000000320a6e010f0d010000003439
08000000320a6e01a90c010000002c3908000000320a6e012f0b0200000035361c000000
fb0220ff0000000000009001000000000402001054696d6573204e657720526f6d616e00
d89ff377e19ff3772020f5779e0c66c4040000002d01020004000000f001010008000000
320ac0023c020100000032361c000000fb0280fe00000000000090010000000200020010
53796d626f6c00006b0d0ad240f11200d89ff377e19ff3772020f5779e0c66c404000000
2d01010004000000f001020008000000320a60020f12010000003d3608000000320a6e01
170e010000002d3608000000320a6002e309010000003d3608000000320a760371070100
0000a23608000000320a5801090901000000a23608000000320a5801d90801000000a236
08000000320a6e017b06010000002d3608000000320a5801d90501000000a23608000000
320a60024303010000003d361c000000fb0280fe0000000000009001010000cc04020010
54696d6573204e657720526f6d616e00d89ff377e19ff3772020f5779e0c66c404000000
2d01020004000000f001010008000000320a8c033f0601000000ca3608000000320a6e01
a70701000000ca3608000000320a6e01a70401000000ca3608000000320a600246000100
0000ca361c000000fb0220ff0000000000009001010000cc0402001054696d6573204e65
7720526f6d616e00d89ff377e19ff3772020f5779e0c66c4040000002d01010004000000
f001020008000000320ac002760101000000cf360a00000026060f000a00ffffffff0100
000000001c000000fb021000070000000000bc02000000cc0102022253797374656d00c4
9e0c66c400000a0021008a0100000000020000005cf31200040000002d01020004000000
f0010100030000000000.

Проведем окончательный расчет нормативной маржи по имущественному
страхованию. Показатель, принимаемый для расчета маржи, выбираем как
наибольший из двух рассчитанных: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,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picscalex1000100090000039d00000002001c0000000000050000000902000000000500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 для
расчета используем показатель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Нормативная маржа платежеспособности по имущественному страхованию
составит:

picscalex1000100090000039f01000002001c0000000000050000000902000000000500
0000020101000000050000000102ffffff00050000002e0118000000050000000b020000
0000050000000c02200200111200000026060f001a00ffffffff000010000000c0ffffff
a6ffffffc0100000c60100000b00000026060f000c004d61746854797065000050001c00
0000fb0280fe0000000000009001000000000402001054696d6573204e657720526f6d61
6e00d89ff377e19ff3772020f577cd0d66d4040000002d01000008000000320a80011010
01000000367908000000320a8001b00f010000002c7908000000320a8001f00e01000000
377909000000320a80011e0b030000003438346508000000320a8001b80a010000002c38
08000000320a8001fe0901000000303809000000320a80017a0603000000373137650800
0000320a80011a06010000002c3108000000320a8001a6040200000031351c000000fb02
20ff0000000000009001000000000402001054696d6573204e657720526f6d616e00d89f
f377e19ff3772020f577cd0d66d4040000002d01010004000000f001000008000000320a
e00191020100000032351c000000fb0280fe000000000000900100000002000200105379
6d626f6c00009d0d0afea0f11200d89ff377e19ff3772020f577cd0d66d4040000002d01
000004000000f001010008000000320a8001be0d010000003d3508000000320a8001f008
01000000b43508000000320a80019803010000003d351c000000fb0220ff000000000000
9001010000cc0402001054696d6573204e657720526f6d616e00d89ff377e19ff3772020
f577cd0d66d4040000002d01010004000000f001000008000000320ae001c00101000000
cd351c000000fb0280fe0000000000009001010000cc0402001054696d6573204e657720
526f6d616e00d89ff377e19ff3772020f577cd0d66d4040000002d01000004000000f001
010008000000320a8001400001000000cc350a00000026060f000a00ffffffff01000000
00001c000000fb021000070000000000bc02000000cc0102022253797374656d00d4cd0d
66d400000a0021008a010000000001000000bcf31200040000002d01010004000000f001
0000030000000000 млн. р.

Рассчитаем общую маржу платежеспособности:
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млн. р.

Определим отклонение фактической маржи от нормативной:
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 млн. р.

Определим процент превышения фактической маржи платежеспособности:
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Вывод: расчеты показали, что страховщик соблюдает соотношение между
фактическими и нормативными размерами маржи платежеспособности, что
свидетельствует о его финансовой устойчивости.

Библиографический список

1. Шахов, В.В. Страхование: учебник / В.В. Шахов. – М.: ЮНИТИ, Страховой
полис, 2002.

2. Страховое дело: учебник / под ред. Л.Н. Рейтмана. – М.: Банковский и
биржевой научно-консультационный центр, 2001.

3. Практикум по страховому делу: учебное пособие / под ред.
В.И. Рябикина. – М.: Финстатинформ, 2002.

4. Матвеев Д.Е. Организация работы страховой компании: методические
указания к выполнению индивидуального задания по дисциплине
«Страхование» для студентов специальностей 08010965 «Бухгалтерский учет
и аудит» [Текст]/Д.Е. Матвеев. – Липецк: ЛГТУ, 2006. – 69 с.

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