Amatshantliziyo - ngubani na le nto? Actuaries e Insurance

msebenzi ingcali na yodumo eUnited States naseYurophu. Iingcali Onjalo ke makacinge kubalulekile kumacandelo oshishino. ERashiya, ukuthandwa lo msebenzi othile akayi watshoyo, kodwa loo nto ayithethi siyeke ukuba basebenzise ngenkuthalo iinkonzo kwimibutho actuaries kwiinkalo ezahlukeneyo msebenzi. Ethandwa kakhulu bona iibhanki kwicandelo, iinkonzo, i-inshorensi, yaye ngokubonakalayo iinkonzo zabo zisetyenziswa mali yomhlalaphantsi.

Yinkampani uphinda abe oqinisekisiweyo

Amatshantliziyo - iingcali abaye imfundo ephakamileyo kwezoqoqosho okanye yobugcisa, ngokunjalo ubambe isiqinisekiso olufanelekileyo yinkampani. ERashiya, umsebenzi wabo akukho namnye ekufuneka mvume, ngoko ke isiqinisekiso kukhutshwa ngokujonga iimviwo ezizodwa. Olu hlobo amaxabiso zovavanyo asingabo bonke abaviwa. Kodwa aphelela ngempumelelo unako ngokukhuselekileyo bathi ntliziyo - abaziingcali ukudidi oluphezulu. Bona ikhutshwa phandle igunya karhulumente okugada.

Sinokuthi ukuba ntliziyo - abaziingcali kwinkalo yemathematika, ngubani na izakhono ezithile ezifunekayo ukuze kubalwe umngcipheko inshorensi. Ukongezelela, actuaries unako ukwenza ubalo ukuvumela ukwenza izigqibo malunga impumelelo lotyalo-mali izinto ezithile.

Inkampani yeinshorensi akakwazi ukwenza ngaphandle awodwa

Ingcali kwi-inshorensi - uphinda abe owenza amazinga izibalo inshorensi izavenge ze-inshorensi. Mhlawumbi, i ezifunwa kakhulu abaziingcali kubonelelo ngeenkonzo insurance, ixabiso apho kumiselwa ngokusekelwe izibalo actuarial. Ngapha koko actuaries - ezi abasebenzi amanqindi ukubala oovimba eyimfuneko-inshorensi, ukuba enze uhlolo iprojekthi zotyalo-mali, ngokunjalo ezinye izibalo neyayanyaniswa ngokuzithandela okanye inshorensi ezinyanzelekileyo.

Ezi ngcali zibalulekile iinkampani ze-inshorensi. Ekubeni ingcali kwi-inshorensi - ungumsebenzi kufuneka babe neziqinisekiso kakhulu, kule nkampani babacukucezela ingqalelo ekhethekileyo, kuba kunzima ukufumana ngokwaneleyo yobungcali.

Kwakhona, ngokutsho komthetho Russian, iinkampani inshorensi kufuneka ingenise igunya onoxanduva kweliso kwimisebenzi yabo, ingxelo nezibophelelo zawo. Ezo ngxelo lwenziwa ngenxa yobalo ezo actuarial zisebenze.

Insurance ingcali - akukho msebenzi, ekufuneka esikhethiweyo ukuba awuyazi imathematika "ezigqwesileyo" kunye nezinye izinto zenzululwazi. Ezi nkcukacha ze mqeshwa, ilele kanye kule izibalo ngqo, kufuneka enze umsebenzi yonke imihla. Ngapha koko, i-inshorensi actuary - umsebenzi onoxanduva kakhulu: ngenxa yokubala ezingachanekanga zeerhafu inshorensi kwinkampani enjalo ungakhetha nje ilungelo lokuba nenxaxheba kwimisebenzi inshorensi.

Xa wenza lo msebenzi

Igama elithi "actuary" nesinempandla baseRoma. Ngoko ke wabiza eRoma mandulo, umntu owayesebenza zifake ngexesha lentlanganiso Yeengwevu. Kodwa le ntsingiselo yeli gama ngoko iphelile.

iye ivele umsebenzi actuarial ekuqondeni mihla kwiindima, uxanduva imisebenzi of actuaries eBritani ngenkulungwane ye-18 emva kwexesha. Nangona kukho imfuneko nje ngokwezibalo oluchanekileyo zokuzigwebela kwinqanaba elithile iimali-inshorensi, eziziimpawu imingcipheko ezithile inshorensi yobomi.

Ngo-1762 kwakukho inkampani yokuqala ikhokele imisebenzi actuarial. Ngenxa yemfuneko enkulu yabasebenzi ezinjalo, imakethi owakhulayo iphuhliswe. Ngaxeshanye kunye nokukhula yemarike, ngakumbi nangakumbi kwavela imfuneko ukuyila umbutho obuya kuzisa kunye abagayi ukulawula umsebenzi wabo. Oku kube negalelo ekuveleni le London Institute of Actuaries ngo-1848, yaye kwiminyaka emine kamva --Faculty of Actuaries e Edinburgh.

Ngoko ke ngo-1895 imiphakathi enjengaleyo eBelgium, UK, eJamani, France kunye United States aye waseka jikelele ye-International Association of Actuaries, ogama yomhlaba e Brussels. Lo mbutho qho emva kweminyaka emine, ibamba iintlanganiso. Baya kuxoxwe ngemiba ukuphehla actuarial imisebenzi, izenzo, isakhiwo kunye nokusebenza.

Zeziphi imisebenzi wabeka phambi iingcali ezifana

ingxaki ingcali akumi ekwenzeni izibalo, ukuze ukubala uluhlu lweerhafu efanelekileyo iinkonzo inshorensi. Phantsi iirhafu ezifanelekileyo zithetha ixabiso nkonzo kule nkampani, eziya kuhlawula zonke iingozi imisebenzi yalo kumgangatho yokuhlawula amatyala kunye uzinzo kwezemali abesemnyango kwinqanaba elifanelekileyo, ukuqinisekisa uzinzo kunye nokubalwa ngexesha izibophelelo ezenziweyo.

Ingcali na umsebenzi lowo unako ukunika iimpendulo abasebenzi zolawulo kuyo yonke imicimbi enxulumene iindleko lweerhafu. Ngokomzekelo, ukuba uyazi impendulo yalo mbuzo ka ukutshintsha indlela insurance premium ukuba ukwandisa itsalelwa ukuya kutsho kwinqanaba elithile, ngokunjalo ukuze ususe ukusuka kuluhlu imingcipheko inshorensi "umonakalo ngenxa yokuba kwezinye iimeko." Kulo mzekelo, kufuneka ube kumgangatho yolwazi lwakhe lumvumela ukuba ngokucacileyo kopecks ukubala ngokutsha irhafu kuzo naziphi na iinkonzo umbutho ezinxulumene nemisebenzi inshorensi.

Indlela ukuba yinkampani

Into yokuqala kufuneka ufumane emfundo afanelekileyo. LeMfundo actuary imali eninzi. Le saveyi of abaqeshi phesheya kubonisa ukuba iindleko zabo oqeqesho malunga £ 6,000 ngonyaka ngamnye yesifundo.

Ukuze ube yobalo, abaviwa Kwathi ezininzi kangangoko 15 leemviwo. Ukongeza izifundo, abasebenzi zenkampani abaxhasa iimanyuwali kunye nezinye izinto ezinokuba luncedo kuphuhliso lo msebenzi.

ERashiya, kunzima ukufunda ukuba yinkampani

Ngomhla kummandla uqeqesho Russian Federation ngokukodwa le okukhethekile engaganwanga kulo naliphi na iziko lemfundo. Ngokomthetho ukusebenza ukuthatha umntu isidanga eyunivesithi kunye kakuhle kwizifundo zezibalo. Kwaye ngoko ke nkampani ngokuzimeleyo kuye ukuqhuba uqeqesho ndoyakha kwakhona ukuba ishishini specialist actuarial.

Kufanele ufumane isiqinisekiso in Russian Actuarial Society. Ezinye iimviwo Foreign Guild of Actuaries, evumela ukuba ukuqinisekisa inqanaba labo lolwazi kunye nempumelelo uya kufumana umsebenzi inkampani yeinshorensi okanye ibhanki.

imibutho Self-sokusebenza Actuaries (SRO Actuaries)

Ukuze esweni imisebenzi zezi ngcali imibutho engenzi-nzuzo, leyo ukongamela umsebenzi wabo, kwaye kananjalo ndenza ummiselo kolunxulumano kwindawo yemarike iinkonzo actuarial. Ngamanye amazwi, le self-regulatory umbutho actuaries yi manyano abasebenzi, bezikhangela ezi iingcali ezisebenza.

Nayiphi ingcali enjalo ukwenza imisebenzi yabo kwezomsebenzi wobungcali kufuneka abe lilungu lombutho enjalo.

Yintoni iimpawu Actuaries SRO

Ungakhetha le misebenzi ilandelayo:

1. Uphuhliso, Ukwamkelwa nokusetyenziswa kwemigangatho kunye nemigaqo mababakhokelele actuaries ukwenza imisebenzi yobungcali.
2. Ukusekwa kweemfuno kunye nemiqathango yokwamkelwa amalungu amatsha, umrhumo samalungu, izohlwayo.
3. Ukukhuselwa komdla kunye namalungelo amalungu lombutho kwabasemagunyeni oluntu, iinkundla kunye nezinye iinkqubo.
4. alawule phezu umsebenzi nobungcali kumalungu ombutho, ngokuvumelana yonke imithetho kunye neenkqubo ezicaciswe yi mithetho.
5. Ukuqinisekisa amalungu inkxaso ulwazi ngokupheleleyo.

Ziziphi izinto ezifunekayo kufuneka athobele SRO

Imisebenzi ntliziyo e eRashiya sikhatshwa inkqubo hayi ngokupheleleyo kuphuhliswa-amaxwebhu asemthethweni. Ngoko ke ngoku phambi kokuba Duma State libona bill eyayiza ukulawula imisebenzi Actuaries. Olu xwebhu yomthetho ithetha ukuba self-regulatory intlangano actuaries kufuneka anelise ezi mfuno zilandelayo:

1. Njengenxalenye lombutho, kukho abantu kungekho ngaphantsi kwe-100 abahlangana nazo zonke iimfuno ezimiselwe ngumthetho.
2. Kufuneka kuseka ingxowa-mali imbuyekezo iintlawulo ekumiseleni abathengi amabango. fund ezinjalo abunjwe kuphela ngemali. Kule meko, onke amalungu ombutho kufuneka ibe negalelo kunyanzelekile. Igalelo ubuncinane kufuneka ilingane-30 amawaka engange. Ubukhulu liphezulu kuhlawulwe amabango kunye nabaxhasi-mali yembuyekezo akufunekanga ibe ngaphezulu kwama-600 000 engange.
3. Xa umbutho onjalo kufuneka isakhiwo ecacileyo, iimbambaniso, kwaye iqumrhu lolawulo lonxibelelwano. ibhodi nelawula igunya lolawulo ukuba enze.
4. Lo mbutho kufuneka asebenze ukusebenzisa imilinganiselo umsebenzi actuarial ukuba ilingane kwaye ukuziphikisa imithetho Russian Federation.

Yiba umntu oyingcali aze abe nako ukubala iindleko zezi okanye ezinye iingozi - lo ngumsebenzi onzima. Ke ingcali kufuneka abe nolwazi omhle zenzululwazi ngqo kwaye bakwazi ukucombulula iingxaki ezintsonkothileyo ezinxulumene inani elikhulu angaziwa.