AM Amashishini e-inshurensi amahle kakhulu.
Iinkqubo zokuHlola
Inye nganye yeenkampani ezine iye yavelisa inkqubo yokulinganisela esebenzisa iilwimi enye okanye ngaphezulu zealfabhethi ukuchaza imeko yemali yomshuwalense . Ukulinganisa ngokubanzi kubandakanya "okuhle kakhulu" okanye "ophezulu" kuye "ohluphekileyo" okanye "obandezelekileyo." Nangona iinkampani zisebenzisa iifayile ezifanayo ukubala ukulinganisa kwazo, akukho zixhobo ezimbini ezifanayo.
Imibutho yokulinganisa ibonelele kokubaluleka kunye nemilinganiselo yokulinganisela xa ulinganise umshwalense. Iimpawu ezininzi zibandakanya isitatimenti senzuzo yomshuwalense, ishidi layo, kunye nokulahleka kwayo kunye nokulinganiswa kweendleko. Izinto ezifanelekileyo zibandakanya ifilosofi yenkampani, umgangatho wolawulo lwayo, kunye nesondlo sayo somngcipheko.
Ukulinganisa amafemu kuvelisa amanqaku amaninzi kwi-inshurensi nganye. Isilinganiselo esisodwa singasebenza kwi-insurer yamandla emali xa omnye ebonisa ukukwazi kwakhe ukuhlawula ityala lexesha elide. Ukulinganiswa kwamandla eenkampani zeemali kuboniswe kwitheyibhile elingezantsi.
Izilinganiso ezingezantsi B (okanye iC +) zifakiwe.
Inyaniso yokuba ukulinganisa kuvela kumqolo ofanayo akuthethi ukuba bayalingana. Ngokomzekelo, ukulinganiswa kwe-AA ye-S & P ingahluka ngokuthe ngqo kwi-Moody's Aa. Ngenxa yokuba iinkqubo zokulinganiswa ziyahluka, yinto efanelekileyo yokuqwalasela iziphumo ezivela kwimithombo emininzi xa uhlola umshwalense.
Ukulinganisa kweeNgcaciso zeMali
| FITCH | NGOKUBONE | S & P | YOKUPHILA |
| AAA | A ++, A + | AAA | Aaa |
| Ubunamandla obunamandla bokuhlawula izibophelelo zemali | Amandla aphezulu okuhlangabezana neembopheleleko eziqhubekayo | Impawu zokukhusela zemali ezinamandla. Isilinganiselo esiphakamileyo seS & P | Ukhuseleko lwezemali oluqhelekileyo. Isikhundla esinamandla. |
| AA | Ayingeni | AA | Aa |
| Unamandla kakhulu okuhlawula izibophelelo zemali | Iinkampani zilinganise i-A + enye "inotshi" ephantsi kunezo zilinganiswe i-A ++ | Impawu ezikhuselekileyo zezokhuseleko zemali | Ukhuseleko lwezezimali. |
| A | A, A- | A | A |
| Isakhono esinamandla sokuhlawula ukuzinikela kwemali | Unamandla kakhulu ukuhlangabezana nezibophelelo zezemali | Iimpawu ezikhuselekileyo zezokhuseleko zemali | Ukhuseleko lwezezimali. |
| BBB | B ++, B + | BBB | Baa |
| Amandla akwaneleyo okuhlawula izibophelelo zezemali | Ukukwazi ukuhlangabezana neembopheleleko zemali | Impawu zezokhuseleko zezezimali | Ukhuseleko olufanelekileyo lwezezimali |
| BB | B, B- | BB | Ba |
| Ukuphakanyiswa kwengozi ekungciphekweni komngcipheko kodwa unakho ukuguquguquka kokuncedisa izibophelelo zezemali | Ukukwazi okufanelekileyo ukuhlangabezana nezibophelelo zezemali | Impawu ezikhuselekileyo zezokhuseleko zezezimali | Ukhuseleko lwezemali oluchaphazelekayo |
| B | C ++, C + | B | B |
Umngcipheko wendalo ongagqibekanga kunye nomda okhuselekileyo wokhuseleko | Amandla okufikelela emanzini ukuhlangabezana nezibophelelo zabo eziqhubekayo ze-inshorensi | Iimpawu ezikhuselekileyo zezezimali | Ukhuseleko lwezemali olubi |
Ukulinganiselwa kwemilinganiselo
Ukulinganiswa kwamandla emali "kukhangele phambili." Oko kukuthi, baxela kwangaphambili ukuba abakwaziyo ukufumana iimfuno zabo zezimali. Inkokhelo eyimfuneko yokubambisa iinjongo zebango (okanye egameni labaphathi). Abatshutshisi bangaba nezibophelelo zesikontraki zokuvuselela kunye namanye amaqela.
Ukulinganiswa kwemali-mboleko akuyiyo isiqinisekiso somsebenzi wenkxaso-mali yomshuwalense. Iifayile zokulinganisela ngetyala zikwabela ama-insurers ngokumalunga nezizathu ezithile. Ezi ngcamango zingabonakali.
Ukwahlula okusetyenziswa ngamafayile okulinganisa kubanzi ngokubanzi, ngoko ke udidi ngalunye lunokubandakanya inani elikhulu labashurensi. Ngokomzekelo, amakhulu eenkampani ze-inshorensi zingafanelekela ukulinganisa kwe-S & P ye-AA. Nangona abo bango-inshurensi banesimo esifanayo, abafani neengozi zemali zemali.
Iingqinisiso zenkampani ye-inshurensi ibonisa ukuba abanakho imali ye-insurers ukuhlawula amabango. Ayisona umlinganiselo wobuninzi beenkonzo zokuphatha izicelo zamabango-inshurensi. Inyaniso yokuba i-inshurensi inokuhlawula amabango ayithethi ukuba iya kukwenza ngokufanelekileyo okanye ngokufanelekileyo.