Sunday, February 28, 2010

Монголын Улсын арилжааны даатгалын өнөөгийн байдал /Г.Цогтбаатар/

Энэхүү нийтлэлдээ Монгол Улсын арилжааны (компаний) даатгалын салбарын өнөөгийн байдал, санхүүгийн салбарт тус салбарын эзэлж буй байр суурийн тухай өгүүлхийг зорьсон юм. Үүний тулд арилжааны даатгалын салбарт оролцогчдын тоо, хөрөнгө ба эх үүсвэр, компаниудын төлбөрийн чадвар, санхүүгийн тогтворжилт, ашигт ажиллагааны түвшин, даатгалын хураамж ба нөхөн төлбөрийн харьцаа, олон нийтэд санал болгож буй даатгалын үйлчилгээний төрөл, давхар даатгалын өнөөгийн байдлыг дүрслэн үзүүлэхийг хичээсэн.
Эх сурвалж судлах явцад Монгол Улсын арилжааны даатгалын зах зээлийн талаарх сүүлийн үеийн ном зохиол, статистик, судалгааны материалууд ховор байдаг нь ажиглагдсан. Судалгааны материал нь Санхүүгийн зохицуулах хорооноос 2008 оны эцэст гаргасан даатгалын зах зээлийн талаарх нэлээд ерөнхий тайлангаар хязгаарлагдаж байлаа. Харин олон улсын хэмжээнд жил бүр Даатгалын олон улсын мэдээллийн хүрээлэн (Insurance Information Institute)-гээс "Олон улсын даатгал: Баримтын ном" (International insurance: Fact book 2005), Капжэмайни (Capgemini) болон Европийн санхүүгийн менежмент, маркетингийн холбооноос (the European Financial Management & Marketing Association) жил бүр "Дэлхийн даатгалын тайлан" (the World Insurance Report)-г эрхлэн гаргадаг байна. Харамсалтай нь манай улс эдгээр тайланд одоог хүртэл хамрагдаагүй байна.

Нэг. Монгол Улсын даатгалын тогтолцоо


Монгол улсын даатгалын тогтолцоо нь дэлхийн бусад орнуудын адилаар нийгмийн даатгалын тогтолцоо, арилжааны даатгалын тогтолцооноос бүрдэж байгаа боловч өнөөгийн байдлаар даатгалын зах зээлд эзэлж байгаа байр сууриараа нийгмийн даатгал нь илт давуутай байгаа нь дараах тоо баримтаас харагдаж байна.
2008 оны байдлаар нийгмийн даатгалын санд 280.2 тэрбум төгрөгийн орлого хуримтлуулж, 412.6 тэрбум төгрөгийн тэтгэвэр, тэтгэмж олгожээ. Харин арилжааны даатгалын санд 21.5тэрбум төгрөгийн хураамжийн орлого орсноос 4.5 тэрбум төгрөгийг даатгуулагчдын нөхөн төлбөрт олгосон аж. Үүнд дараах хүчин зүйлс нөлөөлж байна.
1. Хэлбэрийн хувьд нийгмийн даатгал нь заавал даатгуулах хэлбэртэй, арилжааны даатгал нь сайн дурын хэлбэртэй байгаа байдал;
2. Нийгмийн даатгалын арга хэмжээг төрөөс авч хэрэгжүүлдэг, арилжааны даатгалын үйл ажиллагааг хувийн хэвшлийн компаниуд явуулдаг;
3. Арилжааны даатгалын үйл ажиллагаа шинэ тутам төлөвшиж байгаа ба даатгуулагчид тэр бүр ач холбогдлыг нь ойлгодоггүй зэрэг болно.




Хоёр. Арилжааны даатгалын өнөөгийн байдал

• Арилжааны даатгалын харилцаанд оролцогчид

2009 оны байдлаар Санхүүгийн зохицуулах хорооноос даатгалын үйл ажиллагаа эрхлэх тусгай зөвшөөрөл авсан ердийн даатгалын 16, урт хугацааны даатгалын 1, нийт 17 компани даатгалын салбарт үйл ажиллагаа явуулж байна.
Сүүлийн 5 жилийн байдлаар авч үзвэл энэ тоо 2004 онд 21, 2005 онд 25, 2006 онд 22, 2007 онд 15 байжээ. Үүнээс харахад даатгалын салбарт үйл ажиллагаа явуулж буй компаниудын тоо хэмжээ харьцангуй тогтвортой байдаг аж. Даатгалын компаниудаас 1 нь (6 хувь) л хүн амд урт хугацааны даатгалын (амьдралын даатгал) үйлчилгээ үзүүлдэг компани байгаа бол үнэмлэхүй хувь нь (94 хувь) ердийн даатгалын үйлчилгээ үзүүлдэг.
Нийслэл, 21 аймагт даатгалын компаниудын албан ёсны зөвшөөрөлтэй 130 салбар байгууллага үйл ажиллагаа эрхэлдэг.
Түүнчлэн даатгалын зуучлагч 5 компани ("АМЕ" ХХК, "Скай эрдэнэ" ХХК, "Эм жи ай би" ХХК, "Ачит ундраа" ХХК, "Асимон брокерс" ХХК) болон даатгалын төлөөлөгч 1643 иргэн, даатгалын хохирол үнэлэгч 2 компани ("Итгэлт-эстимэйт" ХХК, "Бэст-эстимэйт" ХХК) даатгалын зах зээлд оролцож байна.

• Даатгалын компаниудын хөрөнгө

Даатгалын компаниудын хөрөнгийн нийт хэмжээ 2008 онд 34,3 тэрбум төгрөгт хүрч өмнөх оныхоос 21,0 хувиар өсчээ. 2002 оноос хойш тус үзүүлэлт нь жилд дунджаар 20.1 хувиар өссөн байгаа бөгөөд цаашид ч өсөх хандлагатай (triend) байгаа нь хүн амын арилжааны даатгалд хамрагдах эрэлт хэрэгцээ нэмэгдэж байгааг харуулна.

Даатгалын компаниудын эргэлтийн хөрөнгө 2008 оны байдлаар 29.6 тэрбум төгрөг байгаа бол эргэлтийн бус хөрөнгө 4.6 тэрбум төгрөг байна. Үндсэндээ даатгалын компаниудын нийт хөрөнгийн 86.3 хувь нь эргэлтийн хөрөнгө, 13.7 хувь нь эргэлтийн бус хөрөнгө байгаа юм. Энэ үзүүлэлт жил тутам нэмэгдэж байгаагаас даатгалын компаниудын хөрөнгийн хөрвөх чадвар сайн байгааг харж болно.

2008 оны байдлаар хөрөнгийн хэмжээгээрээ "Монгол даатгал" ХХК тэргүүлж байгаа бол түүний араас эхний гуравт "Бодь даатгал" ХХК, "Миг даатгал" ХХК-ууд орж байна. "Монгол даатгал" ХХК-ийн хөрөнгийн хэмжээ удаалж буй өрсөлдөгчдөөсөө бараг 5 дахин их байлаа.

Даатгалын компаниудын 2008 оны балансын үзүүлэлтүүдийг ашиглан төлбөрийн чадварын болон санхүүгийн тогтворжилтын үзүүлэлтүүдийг тооцож үзлээ. Эргэцийн харьцааг тооцохдоо нийт эргэлтийн хөрөнгийг богино хугацаат зээл, өр төлбөрт харьцуулдаг бөгөөд онолын утга нь 2 гэж үздэг. Эргэлтийн хөрөнгийн хэдий хэсгийг богино хугацаат зээл, өр төлбөрт зориулж цаана нь хэдий хэмжээний хөрөнгө үйлдвэрлэл, борлуулалтын хэвийн ажиллагааг хангахад зориулагдаж байгааг илэрхийлдэг ба энэхүү үзүүлэлтийн утга нь нэмэгдэх тутам эерэг үнэлэлт өгөх боловч хэт өндөр байх нь илүүдэл нөөц хуримтлагдсаныг илэрхийлнэ.
Даатгалын компаниудын хөрөнгийн эргэцийн харьцааг тооцож үзэхэд 2008 оны байдлаар 3.7гарч байна. Энэ нь өмнөх жилүүдтэй харьцуулахад онолын утгаас саринал бага буюу харьцангуй ойр байгаа учир даатгалын компаниудын хөрөнгийн эргэцийн харьцаа хэвийн байгаа хэмээн дүгнэж болох юм.

Компанийн төлбөрийн чадварыг илэрхийлдэг өөр нэг үзүүлэлт нь цэвэр эргэлтийн хөрөнгө билээ. Энэ үзүүлэлт нь үйлдвэрлэл гүйлгээний хэвийн үйл ажиллагааг хангах баталгаа болдог бөгөөд нийт эргэлтийн хөрөнгийн 50-иас доошгүй хувийг эзлэх ёстой. Тооцохдоо нийт эргэлтийн хөрөнгөнөөс богино хугацаат зээл, өр төлбөрийг хасаж, цэвэр эргэлтийн хөрөнгийг тодорхойлдог.

2008 оны байдлаар даатгалын компаниудын нийт эргэлтийн хөрөнгийн 73.2 хувь нь цэвэр эргэлтийн хөрөнгөнд хамаарч байгаа бол богино хугацаат зээл, өр төлбөр үлдэх 26.8 хувийг эзэлж байлаа. Өмнөх жилүүдэд даатгалын компаниудын цэвэр эргэлтийн хөрөнгийн нийт эргэлтийн хөрөнгөнд эзлэх хувийн жин 90 хувиас дээш байжээ.

Дээрх үзүүлэлтээс харахад даатгалын компаниудын төлбөрийн чадварын үзүүлэлтүүд харьцангуй сайн байгаа юм.
Даатгалын компаниудын бие даах чадварын коэффициент нь санхүүгийн тогтвортой байдлыг нь шалгахад ашиглагддаг. Энэ үзүүлэлт нь компаниудын гадны эх үүсвэрээс хараат бусаар, өөрийн санхүүжилтээр бие дааж үйл ажиллагаа явуулах чадварыг харуулдаг. Тооцохдоо өөрийн ба нийт хөрөнгийн харьцааг ашигладаг бөгөөд утга нь 50 хувиас доошгүй байвал хэвийн гэж үзнэ.
2008 оны байдлаар даатгалын компаниудын бие даах чадварын коэффициент 31 байгаагаас харахад даатгалын компаниуд гадны эх үүсвэрээс хараат бусаар, өөрийн санхүүжилтээр бие даан үйл ажиллагаа явуулах чадваргүй байгааг илтгэнэ.
• Даатгалын компаниудын өр төлбөр, эзэмшигчдийн өмч

Төрийн өмчийн болон төрийн өмчийн оролцоотой хоёр даатгалын компани байгаагаас "Ганзам даатгал" ХХК-ийн эзэмшигчийн өмч бүхэлдээ (100 хувь), "Улаанбаатар хотын даатгал" ХХК-ийн эзэмшигчийн өмчийн 8 хувь нь төрийн өмчид хамаардаг.
Төрийн өмчийн болон төрийн өмчийн оролцоотой хоёр даатгалын компани байгаагаас "Ганзам даатгал" ХХК-ийн эзэмшигчийн өмч бүхэлдээ (100 хувь), "Улаанбаатар хотын даатгал" ХХК-ийн эзэмшигчийн өмчийн 8 хувь нь төрийн өмчид хамаардаг.

Даатгалын компаниудын нийт хөрөнгөнд эзэмшигчдийн өмч, даатгалын нөөц сан, өр төлбөрийн эзлэх хувь хэмжээг сүүлийн 4 жилийн байдлаар харахад 2005-2007 онуудад эзэмшигчдийн өмч дунджаар 37,2 хувь, нөөцийн сан 56,7 хувь, нийт өр төлбөр 6,1 хувийг тус тус эзэлж байсан бол 2008 онд энэхүү бүтцэд нилээд өөрчлөлт гарч нөөцийн сан 43,8 хувь болж 18,9 пунктээр буурч, харин нийт өр төлбөр 18,9 пунктээр өссөн байна. Энэ нь Санхүүгийн зохицуулах хорооны 2008 оны 241 дүгээр тогтоолоор батлагдсан “Даатгалын байгууллагын мэдээллийн нэгдсэн сангийн журам”-ын хавсралтын дагуу орлогод тооцоогүй хураамжийн нөөцийн санг балансын нөөцийн сангийн хэсгээс хасч, өр төлбөр хэсэг дэх урьдчилж орсон орлогоор бүртгэхээр болсонтой холбоотой байна. 2008 онд даатгалын салбарын хуримтлагдсан алдагдал 102,9 сая төгрөг болж, өмнөх онтой харьцуулахад алдагдлын хэмжээ 200,5 сая төгрөгөөр буюу 2.9 дахин буурсан нь тайлангийн үеийн ашиг 9,5 дахин буюу 744,3 сая төгрөгөөр өссөнтэй холбоотой.


• Даатгалын компаниудын ашигт ажиллагаа

2008 онд даатгалын салбарын хэмжээгээр 834,9 сая төгрөгийн цэвэр ашигтай ажиллажээ. 2007 онд 633.7 сая төгргийн ашигтай ажиллаж байсан даатгалын салбарын ашиг 32 хувиар нэмэгдсэн байна.

Энэ онд “Монгол даатгал” ХХК, “Нэйшнл лайф даатгал” ХХК, “Нийслэл даатгал” ХХК-иуд алдагдалтай ажиллажээ. “Нэйшнл лайф даатгал” ХХК-ийн хувьд үйл ажиллагаагаа шинээр эхэлж байгаатай холбоотой алдагдал хүлээж байгаа бол “Монгол даатгал” ХХК-ийн хувьд зардлын бүртгэлийн аргачлал, компанийн үйл ажиллагаа зэрэгтэй холбоотойгоор алдагдалтай ажилласан аж.


• Даатгалын хураамжийн орлого

2008 онд даатгалын салбарын хэмжээгээр 21,5 тэрбум төгрөгийн даатгалын хураамжийн орлого олсныг 2007 онтой харьцуулахад 27,2 хувиар буюу 4,6 тэрбум төгрөгөөр өссөн байна. Сүүлийн 8 жилийн хугацаанд хураамжийн орлогын ерөнхий хандлага тогтвортой өсч иржээ.

Даатгалын нийт хураамжийн орлогын бүтцийг судалж үзэхэд 63 хувь буюу үнэмлэхүй хувь нь эд хөрөнгийн даатгалын, 23 хувь нь хариуцлагын даатгалын, 11 хувь нь амь нас, ашиг сонирхол, эрүүл мэндийн даатгалын, үлдэх 3 хувь нь санхүүгийн даатгалын хураамж байв. Үүнээс үзэхэд өнөөгийн байдлаар хэрэглэгчид арилжааны даатгалын компаниудаас эд хөрөнгийн даатгалын үйлчилгээ авах сонирхол илүү байгаа юм.


• Даатгалын нөхөн төлбөр

2008 онд арилжааны даатгалын компаниуд 4,5 тэрбум төгрөгийн даатгалын нөхөн төлбөр олгосон нь 2007 оныхтой харьцуулахад 32,4 хувиар буюу 1,1 тэрбум төгрөгөөр өсчээ. Сүүлийн 8 жилийн хугацаанд нөхөн төлбөрийн ерөнхий хандлага тогтвортой өсч ирсэн байна.

Даатгалын нөхөн төлбөрийн бүтцийг судалж үзэхэд 69 хувь буюу үнэмлэхүй хувь нь эд хөрөнгийн даатгалын, 16 хувь нь хариуцлагын даатгалын, 11 хувь нь амь нас, ашиг сонирхол, эрүүл мэндийн даатгалын, үлдэх 4 хувь нь санхүүгийн даатгалын нөхөн төлбөр байлаа.


• Даатгалын хохирол нөхөлтийн түвшин

2008 онд даатгалын хохирол нөхөлтийн түвшин даатгалын салбарын дүнгээр 30,4 байгаа ба энэ нь 2007 оны мөн үеэс 17,9 пунктээр буурсан үзүүлэлт юм.


Гурав. Арилжааны даатгалын ангилал, хэлбэр

Өнөөгийн байдлаар арилжааны даатгалын салбарт үйл ажиллагаа явуулж байгаа 17 компаний 16 нь богино хугацаат буюу ердийн даатгалын үйлчилгээ эрхэлж байгаа бол 1 компани 2008 оноос эхлэн урт хугацаат буюу амьдралын даатгалын үйлчилгээ эрхлэх болсон. Үүнээс харахад манай оронд амьдралын даатгалын үйлчилгээ дөнгөж нэвтрэх шатандаа байгаа юм. Харин ердийн даатгалын үйлчилгээний чиглэлээр харьцангуй туршлагажсан хэмээн дүгнэж болно.

Ердийн даатгалын үйлчилгээ эрхэлж буй компаниуд Санхүүгийн зохицуулах хороонд даатгалын 11 хэлбэрийн үйлчилгээ эрхлэхээр бүртгүүлжээ. Тэдгээрт:
1. Гэнэтийн осол, эмчилгээний зардлын даатгал;
2. Хөрөнгийн даатгал;
3. Авто тээврийн хэрэгслийн даатгал;
4. Ачааны даатгал;
5. Барилга угсралтын даатгал;
6. Газар тариалангийн даатгал;
7. Мал амьтдын даатгал;
8. Агаарын хөлгийн даатгал;
9. Авто тээврийн хэрэгслийн жолоочийн хариуцлагын даатгал;
10.Хариуцлагын даатгал;
11.Санхүүгийн даатгал зэрэг даатгалын хэлбэрүүд орж байлаа.
Ердийн даатгалын үйлчилгээ эрхэлж буй компаниудын дийлэнх олонхи нь хөрөнгийн даатгал (100 хувь), авто тээврийн хэрэгслийн жолоочийн хариуцлагын даатгал (100 хувь), гэнэтийн осол, эмчилгээний зардлын даатгал (93.8 хувь), авто тээврийн хэрэгслийн даатгал (93.8 хувь), хариуцлагын даатгалын (93.8 хувь) үйлчилгээ үзүүлж байна.
Харин ихэнх нь ачааны даатгал (75 хувь), агаарын хөлгийн даатгал (62.5 хувь), барилга угсралтын (50 хувь), санхүүгийн (50 хувь) даатгалын үйлчилгээ үзүүлж байгаа юм.
Тэдгээр компаниудын харьцангуй бага хэсэг нь мал, амьтдын даатгал (43.8 хувь), газар тариалангийн даатгалын (31.3 хувь) үйлчилгээ тус тус эрхэлж байна.

Манай орны хувьд байгаль цаг уурын эрс тэс онцлогоос хамаарч хөдөө аж ахуй, газар тариалангийн салбар нь бусад салбартай харьцуулахад харьцангуй эрсдэл өндөртэй байдгаас арилжааны даатгалын компаниуд энэ салбарт төдийлөн хошуурахгүй байж болох юм.
Хүн амын бараг тэн хагас нь өдөр тутмын амьдралаа залгуулж буй энэ салбарын эрсдлийг бууруулж, малчдыг даатгалд хамруулах зорилгоор МУ-ын Засгийн газар, Дэлхийн банкны Олон улсын хөгжлийн ассиоциаци хооронд 2005 оны 6 дугаар сарын 17-ны өдөр “Малын индексжүүлсэн даатгал төсөл ”-ийн Хөгжлийн зээлийн гэрээг байгуулсан юм.
Энэхүү гэрээний хүрээнд 2005 оны 7-р сараас 2009 оны 12-р сар хүртэлх хугацаанд туршилтын төслийг Увс, Хэнтий, Баянхонгор аймгуудад хэрэгжүүлж байгаа билээ.
2008 оноос эхлэн "Нэйшнл лайф" ХХК урт хугацааны буюу амьдралын даатгалын үйлчилгээ эрхлэх болсон нь монголын арилжааны даатгалын хөгжилд томоохон дэвшил болсон юм. Өнөөгийн байдлаар тус компани дараах гурван төрлийн үйлчилгээг хүн амд үзүүлж байгаа юм. Үүнд:
1. Хугацаат амьдралын даатгал;
2. Хуримтлалын даатгал;
3. Эрүүл мэндийн даатгал зэрэг болно.
Түүнчлэн монгол дахь арилжааны даатгалын компаниуд нь дунд болон өндөр түвшний орлоготой хүмүүст зориулсан энгийн даатгалын үйлчилгээ эрхэлдэг /Conventional Insurance/ учир арилжааны даатгалын үйлчилгээ хүн амын олонхи хэсэгт хүрч чадахгүй байгаа билээ. Тиймээс МУ-ын Засгийн газар, НҮБ-ын Хөгжлийн хөтөлбөрийн дэмжлэгтэйгээр сүүлийн 2 жилийн турш монголд хүн амын бага орлоготой хэсэгт зориулж бичил даатгалын үйлчилгээ (Micro Insurance) нэвтрүүлхээр ажиллаж байна.

Дөрөв. Арилжааны даатгалын компаниудын давхар даатгал

Манай орны хувьд "Монгол даатгал" ХХК 1960-аад оны дунд үеэс давхар даатгалын үйл ажиллагааг эрхлэн явуулж, давхар даатгалын гэрээ хэрэгт оролцож эхэлсний зэрэгцээ өөрийн орны малыг 1964 оноос, иргэний агаарын тээврийн онгоцуудыг 1967 оноос, газар тариаланг 1980 оноос эхлэн гадаадад давхар даатгаж ирсэнээс хойш гадаад давхар даатгалын үйл ажиллагаа идэвхижиж, цар хүрээ нь өргөжсөн байна.
Одоогийн байдлаар Англи, Герман, Итали, Япон, Щвейцарь зэрэг орнуудын 30 шахам компани брокеруудтай давхар даатгалын талаар хамтран ажиллаж, тэдгээрээр дамжуулан олон орны даатгалын байгууллагуудтай давхар даатгалын гэрээ хэрэг харилцан солилцож байна. Тухайлбал, дэлхийд томоохонд ордог Мюних Ре, Щвейцарийн Швис Ре, Английн Виллис Фебер, Игла Стар, Японы Иншурэнс зэрэг компаниуд, тэрчлэн Английн Ричард Меарс энд Ко Италийн Глобал Ре, Щвейцарийн Хаакон, ЛТД зэрэг брокерын компаниудтай олон жил хамтран ажиллаж, харилцан гэрээ хэрэг солилцож байна.
Ердийн даатгалын үйл ажиллагаа эрхэлж буй Монгол улсын даатгалын компаниуд даатгалын эрсдэлээ гадаад улсын давхар даатгалын компаниудад даатгуулж байгаа байдлыг сүүлийн 3жилийн байдлаар судалж үзэхэд 2007 онд огцом буюу 60,7 хувь өссөн бол 2008 онд бараг өөрчлөлт гараагүй байгаа юм.

2007 он болон 2008 оны давхар даатгалын хураамжийн бүтцийг даатгалын ангиллаар задлан үзэхэд давхар даатгалын хураамжийн ихэнх хувийг эд хөрөнгийн даатгал (59.5 хувь), хариуцлагын даатгал эзэлж (38.9 хувь), өчүүхэн хувийг амь нас, ашиг сонирхол, эрүүл мэндийн даатгал (1.7 хувь) эзэлдэг нь харагдаж байна.


ТОВЧ ДҮГНЭЛТ

I - бүлгийн дүгнэлт:
1. Даатгалын зориулалттай сан байгуулах, түүнийг удирдах болон хуваарилах нь нийгмийн санхүүгийн хөрөнгийг хуримтлуулах ба зарцуулахтай холбоотой санхүүгийн харилцааны нэг хэсэг юм;
2. Даатгалын сангуудын үүсэх хэлбэрүүдээс үүдэн даатгалын үйл ажиллагаа нь Улсын нийгмийн даатгал (олон нийтийг хамарсан доод хэмжээний баталгаат халамж, хамгааллыг олгоход чиглэсэн); Хувь хүн, албан байгууллагуудын сайн дурын үндсэн дээр хийгддэг даатгалын компаниудын даатгал (арилжааны даатгал) гэсэн үндсэн хоёр хэлбэртэй байдаг;
3. Даатгалын харилцаа нь даатгалын компаний харилцагчдаасаа олж авсан хураамжаараа хөрөнгө хуримтлуулах арга болж өгдөг бөгөөд даатгалын компаниуд нь эдгээр хөрөнгөө пүүс компани, банкны үнэт цаас, үл хөдлөх хөрөнгө зэрэгт зарцуулснаараа барилга үйлдвэрлэлээр зогсохгүй улсыг ч улсын эдийн засгийн хөгжилд түлхэц болдог.
4. Дэлхийн практикт даатгалын үйл ажиллагааг амьдралын болон амьдралын бус, давхар даатгал гэж гурав ангилдаг.

II - бүлгийн дүгнэлт:
5. Монгол улсын даатгалын тогтолцоо нь дэлхийн бусад орнуудын адилаар нийгмийн даатгалын тогтолцоо, арилжааны даатгалын тогтолцооноос бүрдэж байгаа боловч өнөөгийн байдлаар даатгалын зах зээлд эзэлж байгаа байр сууриараа нийгмийн даатгал нь илт давуутай байна;
6. Даатгалын компаниудын хөрөнгийн нийт хэмжээ жилд дунджаар 20.1 хувиар өссөн байгаа бөгөөд цаашид ч өсөх хандлагатай (triend) байгаа нь хүн амын арилжааны даатгалд хамрагдах эрэлт хэрэгцээ нэмэгдэж байгааг харуулна;
7. 2008 оны байдлаар даатгалын компаниудын хөрөнгийн эргэцийн харьцаа (3.7) хэвийн, цэвэр эргэлтийн хөрөнгийн (73.2 хувь) хувийн жин хэвийн үйл ажиллагааны шаардлагыг хангах түвшинд байгаагаас дүгнэвэл даатгалын компаниудын төлбөрийн чадварын үзүүлэлтүүд харьцангуй сайн байна;
8. 2008 оны байдлаар даатгалын компаниудын бие даах чадварын коэффициент 31 байгаагаас харахад даатгалын компаниуд гадны эх үүсвэрээс хараат бусаар, өөрийн санхүүжилтээр бие даан үйл ажиллагаа явуулах чадваргүй байна;
9. 2008 онд арилжааны даатгалын салбарын хэмжээгээр 834,9 сая төгрөгийн цэвэр ашигтай ажилласан нь өмнөх жилээс 32 хувиар нэмэгдсэн үзүүлэлт бөгөөд тус салбарын ашигт ажиллагааны түвшин цаашид ч өсөх хандлагатай байна;
10. 2008 онд даатгалын салбарын хэмжээгээр 21,5 тэрбум төгрөгийн даатгалын хураамжийн орлого олсныг 2007 онтой харьцуулахад 27,2 хувиар буюу 4,6 тэрбум төгрөгөөр өссөн байгаа ба хураамжийн орлого цаашид өсөх хандлагатай байна;
11. Өнөөгийн байдлаар хэрэглэгчид арилжааны даатгалын компаниудаас эд хөрөнгийн даатгалын үйлчилгээ авах сонирхол илүү байна;
12. 2008 онд арилжааны даатгалын компаниуд 4,5 тэрбум төгрөгийн даатгалын нөхөн төлбөр олгосон нь 2007 оныхтой харьцуулахад 32,4 хувиар буюу 1,1 тэрбум төгрөгөөр өссөн үзүүлэлт бөгөөд цаашид өсөх хандлагатай байна;
13. Манай оронд амьдралын даатгалын үйлчилгээ дөнгөж нэвтрэх шатандаа байгаа юм. Харин ердийн даатгалын үйлчилгээний чиглэлээр харьцангуй туршлагажсан хэмээн дүгнэж болно;
14. Монголын ердийн даатгалын үйлчилгээ эрхэлж буй компаниуд өнөөгийн байдлаар даатгалын 11 хэлбэрийн үйлчилгээ эрхэлж байна;
15. Манай орны хувьд байгаль цаг уурын эрс тэс онцлогоос хамаарч хөдөө аж ахуй, газар тариалангийн салбар нь бусад салбартай харьцуулахад харьцангуй эрсдэл өндөртэй байдгаас арилжааны даатгалын компаниуд энэ салбарт төдийлөн хошуурахгүй байна;
16. Монгол дахь арилжааны даатгалын компаниуд дунд болон өндөр түвшний орлоготой хүмүүст зориулсан энгийн даатгалын үйлчилгээ эрхэлдэг учир арилжааны даатгалын үйлчилгээ хүн амын олонхи хэсэгт хүрч чадахгүй байна.
17. Сүүлийн жилүүдэд донор байгууллагуудын санхүүжилтээр МУ-ын Засгийн газраас арилжааны даатгалын салбарт тулгамдаж асуудлуудыг шийдэх зорилгоор хэрэгжүүлж буй "Малын индексжүүлсэн даатгал" төсөл, “Бичил даатгалын зах зээлийн хөгжүүлэх" төслүүд цаг, нийгмийн хэрэгцээнд нийцсэн төрийн оновчтой бодлого юм;
18. Манай орны хувьд давхар даатгалын үйлчилгээ нь шинэ зүйл биш бөгөөд энэ тал дээр багагүй туршлага хуримтлуулж чадсан байна.

НОМ ЗҮЙ

Ном сурах бичиг

1. МУИС, ЭЗС, НББТ "Нягтлан бодох бүтгэлийн үндэс".УБ.,2009 он;
2. Г.Балж "Эрсдэл ба даатгал".УБ.,2006 он;
3. Г.Батбаяр "Даатгалын менежмент".УБ.,2002 он.

Судалгааны тайлан, товхимол

1. МУ-ын Засгийн газар, Дэлхийн банк “Малын индексжүүлсэн даатгалын гарын авлага”. УБ.,2009;
2. Санхүүгийн зохицуулах хороо "Даатгалын компаниудын 2008 оны санхүү, даатгалын үйл ажиллагааны нэгдсэн танилцуулга". УБ.,2009 он;
3. Insurance Information Institute "International insurance: Fact book 2005".New York (USA).,2005;
4. Insurance Information Institute "International insurance: Fact book 2007-2008".New York (USA).,2008;
5. UNDP "Micro-Insurance assessment report".Ulaanbaatar.,2007;
6. Capgemini, the European Financial Management & Marketing Association (EFMA) "the World Insurance Report". New York (USA).,2007;
7. Capgemini, the European Financial Management & Marketing Association (EFMA) "the World Insurance Report". New York (USA).,2008;

Цахим эх сурвалж

1. http://www.iblip.mn/pages/1/page90.php?vmenuclick=67
2. http://www.frc.mn/index.php?option=com_quickfaq&view=category&cid=1&Itemid=69
3. http://www.ndaatgal.mn/content.php?mid=8&file=ua2008-0004
4. http://www.freewebs.com/daatgal/Davhar%20%20daatgal.pdf

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