Файл отчета Антиплагиат (1234036), страница 10
Текст из файла (страница 10)
For example, falling of a meteorite, etc. In view of thefact that the probability of such events and theirconsequence are quantitatively not defined, they aren't considered at insurance, i.e. such risksaren't insurance.The second part net - rates is risky or a delta extra charge. Information based on statistical data on the frequency of approach of an insuranceevent is the basis for calculation of the main part net - rates. At the same time, in various the period these indicators can deviate, andsometimes quite considerably.
To avoid the situation connected with insufficiency of insurance fund for payments and apply a risk extra charge.7 Licensing of insurance activityThe license granting the right to be engaged in insurance activity in the territory of the Russian Federation can be issued only to the legal entityas natural persons have no right to be engaged in insurance activity.The insurance activity which is subject to licensing the activity of insurance companies and societies of a mutual insurance (insurers) connectedwith formation of special monetary funds (insurance reserves) necessary for the forthcoming insurance payments is considered.Licenses are granted on implementation of voluntary and obligatory personal insurance, property insuranceand insurance of responsibility.
Ifobject of activity of the insurer is only reinsurance, the license is granted on reinsurance implementation. Thus concrete types of insurance whichthe insurer has the right to carry out are specified in licenses. The activity connected with an assessment of insurance risks, determination of theextent of damage, the amount of insurance payments, other consulting and research activity in the field of insurance doesn't demand obtainingthe license.Licensing of insurance activity is carried out by federal executive authority on supervision of insurance activity which grants to insurers licensesfor implementation of insurance activity, keeps the unified State register of insurers and associations of insurers, and also the register ofinsurance brokers, develops the normative and methodical documents concerning insurance activity carried by the Law on insurance to itscompetence.Restriction of action of the license means a ban before elimination of the violations established in activity of the insurer to sign new contracts ofinsurance and to prolong acting by separate types of insurance activity (or to types of insurance) or ina certain territory.8 Licensing of activity of insurance companiesThe license for carrying out insurance activity is the document certifying the right of her owner for carrying out insurance activity in the territoryof the Russian Federation at observance by it of the conditions and requirements stipulated at issue of such license.
The license forimplementation of insurance, reinsurance, a mutual insurance, insurance broker activity gives out to subjects of insurance business Departmentof the insurance market of the Central bank of Russia.The order of licensing of activity of insurance companies is defined by hl.
32 "Licensing of activity of subjects of insurance business" of the Act ofthe Russian Federation "About the organization of insurance matter in the Russian Federation", the Resolution of the Government of the RussianFederation "About the approval of rules of licensing of activity of the medical insurance companies which are carrying out compulsory healthinsurance" of 29.03.94 No. 251 (with amendment and additional of 19.06.98, 03.10.2002, 14.10.2005).Licenses are granted on implementation of voluntary and obligatorypersonal insurance, property insurance, insurance of responsibility andreinsurance if object of activity of the insurer is only reinsurance by types of insurance activity.
Thus concrete types of insurance which theinsurer has the right to carry out are specified in licenses.The license will be granted in the established form and contains the following requisites:the name of the legal person insurer owning the license, his legal address;the name of branch, a form of carrying out and a type (types) of insurance activity, with the instruction in the appendix of a look (types) ofinsurance to which carrying out the insurer has the right;the territory in which the insurer and his branches intend to carry out insurance operations;signature of the head (or deputy head) and official stamp of federal body for supervision of insurance activity;http://dvgups.antiplagiat.ru/ReportPage.aspx?docId=427.12736327&repNumb=117/1919.05.2015Антиплагиатregistration number according to the state register of insurers;number of the license and date of its delivery.9 Features of development of insurance in modern RussiaInsurance is one of the most dynamically developing spheres of business in the Russian Federation.
Volumes of insurance operations steadilyincrease,and insurance companies play more and more significant role in economy. So, according to the All-Russian union of insurers, the gainof collecting insurance payments in 2012 in relation to 2011 made 51,3%, and insurance payments increased for 18%. Most quicker in 2012collecting on life insurance – for 59% grew. Insurance reserves come nearer to 90 billion rubles. The number of the workers occupied in branchmakes 250–300 thousand people (about 0,5% of total number occupied).In "The concept of development of insurance in the Russian Federation" it is noted that the share of means from insurance in gross domesticproduct of the country grew from 1,6% in 1988 to 3% in 2014.Recognizing progress in development of insurance activity, experts note that for years of market reforms for the present it wasn't succeeded tocreate fully the steady, corresponding to modern requirements of society market of insurance services.The main problems of the modern insurance market of Russia are:– low level of solvency and demand of citizens and legal entities on insurance services;– lack of reliable instruments of long-term placement of insurance reserves;–the information closeness of the market of insurance services creating problems for potential insurers in a choice of steady insurancecompanies;– restriction of the competition in some sectors of the market of insurance services and in territories by creation of authorized insurancecompanies and barriers to foreign insurers;– imperfection of legal and organizational support of the state insurance supervision;– low level of capitalization of insurance companies, and also the backwardness of the national reinsurance market leading to unreasonableoutflow of the considerable sums of an insurance premium abroad.A large number of insurance substitutes belongs to the negative phenomena of the Russian reality.
To the place of the pseudo-insuranceproducts calculated on payment of a salary to the staff of the enterprise through life insurance which was widespread in the 1990th financialschemes with application of insurance of property and responsibility of legal entities began to come. The contributions of the enterprise paid onthese types of insurance and carried on product cost (that is not assessed by taxes), are used for payment of extra fees to the employeesthrough insurance companies.The modern market of reinsurance in Russia is characterized by the small capacity that compels primary insurers to reinsure risks in the foreignreinsurance companies. However in recent years reinsurance is abroad available only to large insurance companies as in connection with globallosses in the international insurance market, tariffs on reinsurance significantly increased.
Also reinsurance conditions become tougher: forexample, a number of standard exceptions of a covering (terrorism, losses owing to computer viruses is specified, etc.), requirements to balanceof contracts become more rigid. However, all these events promote development of the domestic market of reinsurance, stimulate creation ofreinsurance pools. So, for example, six leading Russian insurance companies founded a specialized Russian anti-terrorist pool which capacitymakes 11 bln. dollars today.Thus, difficulties of development of the Russian insurance are connected not only with common problems of development of this branch, but alsowith some features of the Russian transitional economy.
Development of the relations of insurance is adequate to extent of developmentof themarket relations, a standard of living of the population and a condition of infrastructure.2 ТЕХНИКО-ЭКОНОМИЧЕСКАЯ ХАРАКТЕРИСТИКАПРЕДПРИЯТИЯ ОАО «АВИАКОМПАНИЯ «ВОСТОК»2.1 Организац ионная структура и правовой статус предприятияАвиакомпания «Восток». По организац ионно – правовой структуре предприятие относится к ОАО – открытое акц ионерное общ ествоАвиакомпания «Восток».
Сокращ енное название предприятия ОАО Авиакомпания «Восток».Авиакомпания организована на базе 264 Дальневосточной эскадрильиАэрофлота, созданной в мае 1945 года. Держателемконтрольного пакета акций общества является ОАО «Авиакомпания «ЮТэйр» (51 %) и Правительство[36]Хабаровского края., юридический адрес - Россия, Хабаровский край, Хабаровск, Матвеевское шоссе 47, Аэ ропорт МВЛ.Открытое акционерное общество ОАО «Авиакомпания „Восток“ — региональный авиаперевозчик, специализирующийся нарегулярных пассажирских перевозках в северные аэропорты Хабаровского края, а также выполняющий все виды авиационныхработ на территории Дальнего Востока: перевозка пассажиров (персонала предприятий для замены вахт, рыбаков, туристов, атакже руководителей организаций и предприятий любого уровня), перевозка грузов внутри фюзеляжа и на внешней подвеске,перевозка опасных грузов, патрулированию и тушение лесных пожаров, доставка больных из отдалённых населённых пунктов,любые виды съемки на вертолетах и самолетах, аварийно-спасательные работы.Получение в 2001 году аккредитации в крупнейшей международной миротворческой организации позволило авиакомпании выйтина рынок оказания авиационных услуг в таких странах как Гаити, Доминиканская республика и Восточный Тимор.
В 2013 годуначалось оказание авиационных услуг вЛиберии и Демократической Республике Конго. В 2012 году выручка авиакомпаниипревысила 1,5 млрд. рублей.[36]Услугами авиакомпании пользуются члены правительства Хабаровского края, полномочный представитель президента РФ в ДВО и другиевысокопоставленные лиц а.На сегодняшний день ОАО «Авиакомпания «Восток» обладает современным парком воздушных судов, имеет полностью подготовленный ивысококвалифиц ированныйлетныйитехническийперсонал.
Профессиональныекачествалетногосоставаиназемных служ бподтверж дены многочисленными наградами и благодарственными письмами партнеров и заказчиков.О соответствии меж дународным требованиям свидетельствует успешная регистрац ия в таких организац иях, как Меж дународнаявертолетная ассоц иац ия (HAI), Меж дународная организац ия граж данской авиац ии (ICAO) и Всемирная продовольственная программаООН (UN WFP).Структура управления предприятиемПоказатели деятельности авиапредприятия с 1945 по 1991 год были по истине выдающ имися в истории малой авиац ии на ДальнемВостоке. Но, к началу 90-х законы рынка начинают ж естко диктовать свои условия. Потому в 1993 году второй ХабаровскийОбъединённый авиаотряд акц ионируется и приобретает статус Открытого Акц ионерного Общ ества «Авиакомпания «Восток».Авиакомпания оказаласьв довольно слож ном полож ении.
![](https://s.studizba.com/z.php?f=/templates/si/i/noavatar.png&w=100&h=100&t=1"){kind=avatar}
