Перестрахування катастрофічних ризиків: зарубіжний досвід
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Date
2014
Journal Title
Journal ISSN
Volume Title
Publisher
Видавничо-поліграфічний центр «Київський університет»
Abstract
В статті розглянуто зарубіжний досвід перестрахування
катастрофічних ризиків. Обґрунтовано напрями забезпечення
збереженості і збільшення капіталізації страхових компаній при
перестрахувальному захисті від катастроф. Доведено необхідність
запровадження перестрахування катастрофічних ризиків в Україні.
В статье рассматривается зарубежный опыт перестрахования катастрофических рисков. Обоснованы направления обеспечения сбережения и увеличения капитализации страхових компаний при перестраховочной зищите от катастроф. Доведена необходимость внедрения перестрахования катастрофических рисков в Украине.
In the article the features of the catastrophic risk reinsurance on the global insurance market have been defined. The tendencies which can save and increase the capitalization of the insurance companies have been studied. As the loss payments due to disasters have continued the upward trend.
The reinsurance can increase the capacity of the national insurance markets, and provide the intensive and large-scale redistribution of the insurance capital and risks on the international market. But the large losses due to the catastrophic risks affect not only the outcome of the insurers' activity, but also the level of capitalization, profitability of the reinsurers involved in covering of these risks.
The international reinsurance companies with the idea to preserve the rating position, competitiveness implement the stabilization measures, among which are the issue and use of catastrophe bonds (САТ-bonds) on the global market, the limitation of liability for separate catastrophic event, the reinsurance of new segments of the insurance market or such types of the insurance that are less exposed to catastrophic losses, the expansion of their operations on the new markets that are actively developing.
It has been found out that the increase in the reinsurance capacity and the increase in the stability of the insurers are influenced by their mergers and acquisitions. The factors that encourage the insurance and reinsurance companies to such agreements have been analyzed.
The necessity of the insurance and reinsurance of the catastrophic risks on the domestic insurance market has been proved, and the measures that will facilitate the establishment of the reinsurance of the natural and man-caused accidents have been suggested.
В статье рассматривается зарубежный опыт перестрахования катастрофических рисков. Обоснованы направления обеспечения сбережения и увеличения капитализации страхових компаний при перестраховочной зищите от катастроф. Доведена необходимость внедрения перестрахования катастрофических рисков в Украине.
In the article the features of the catastrophic risk reinsurance on the global insurance market have been defined. The tendencies which can save and increase the capitalization of the insurance companies have been studied. As the loss payments due to disasters have continued the upward trend.
The reinsurance can increase the capacity of the national insurance markets, and provide the intensive and large-scale redistribution of the insurance capital and risks on the international market. But the large losses due to the catastrophic risks affect not only the outcome of the insurers' activity, but also the level of capitalization, profitability of the reinsurers involved in covering of these risks.
The international reinsurance companies with the idea to preserve the rating position, competitiveness implement the stabilization measures, among which are the issue and use of catastrophe bonds (САТ-bonds) on the global market, the limitation of liability for separate catastrophic event, the reinsurance of new segments of the insurance market or such types of the insurance that are less exposed to catastrophic losses, the expansion of their operations on the new markets that are actively developing.
It has been found out that the increase in the reinsurance capacity and the increase in the stability of the insurers are influenced by their mergers and acquisitions. The factors that encourage the insurance and reinsurance companies to such agreements have been analyzed.
The necessity of the insurance and reinsurance of the catastrophic risks on the domestic insurance market has been proved, and the measures that will facilitate the establishment of the reinsurance of the natural and man-caused accidents have been suggested.
Description
Keywords
ринок перестрахування, катастрофічні ризики, капіталізація страховиків, перестрахувальна місткість, reinsurance market, catastrophic risks, insurers, capitalization, reinsurance capacity