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One of the main debatable questions concerns necessity Licensings of societies of a mutual insurance. In our opinion, Licensing should become the unconditional requirement in modern conditions. Otherwise adverse deformation of the insurance market is possible in Result of distribution of the weak and badly operated organisations.
To other questions of principle the status of a society mutual is
Insurance, upon which decision the taxation system depends.
The civil code of the Russian Federation defines double character of societies of the mutual
1) At insurance of property interests of the members of a society are
The noncommercial organisations (item 2, item 968);
2) Constituent documents of a society can provide
Insurance of interests of the persons who are not members of a society, and then it
Acts as the commercial organisation (item 5 of same article).
Formation of all societies of a mutual insurance as is rather probable
The noncommercial organisations. For this purpose any person to the contract conclusion
Insurance is submitted by a declaration of accession to a society. The insurer receives
Privileges as a member of a society. The society operates as noncommercial
The organisation thanks to what does not pay taxes. At such succession of events
State losses are doubtless.
If to admit connection of the noncommercial status with absence
Necessities of licensing there can be a dangerous situation for
The Russian insurance market: transformation of joint-stock company to mutual societies
Will lead to increase of uncontrollability of insurance business. The exit consists in that,
That mutual insurance societies, as well as other insurers, should pay
The tax from the insurance award and to obtain the licence for realisation the insurance
As a whole it is represented that along with articles it the special is necessary
The law on societies of a mutual insurance which accurately would define them
Organizational-legal status, functions, taxation conditions.
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Business Icon Set
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Standard Business Icons
is a collection of fine-looking royalty-free icons for use in applications and on websites. Images are presented in such fields as Business, Finances, Reports, Transport and Money.
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