6桁米国詳細コード
524130
再保険会社
説明
再保険会社は、保険会社間でリスクを再配分することにより、世界の保険市場において極めて重要な役割を果たしており、それによって安定性を高め、大規模な請求が保険契約者にとって財政的に管理可能であることを保証しています。彼らの主な機能は、損害保険から生命保険に至るまで、元の保険会社が発行した既存の保険契約に付随するリスクの全部または一部を引き受けることです。これらの組織は、再保険契約を引き受ける前に、損失経験、価格設定の傾向、資本の十分性を分析して、補償限度額と保険料体系を決定します。 この分野の業務には、複雑な引受プロセス、厳格な準備金計算、そして壊滅的な財務損失を防ぐための世界的なリスクエクスポージャーの継続的な監視が含まれます。事業者は主に大規模な多国籍企業または地域信託として組織されており、規制上の支払能力要件を満たすための多額の資本準備金を保有していることがよくあります。一部の機関は仲介業者として機能し、小規模な保険会社に対して資本支援とリスク管理の専門知識の両方を提供しています。この業界の規模は大きく、膨大な保険料の流れを伴い、より広範な保険業界の重要な背骨として機能しています。多様な市場でリソースをプールすることにより、再保険会社は、予期せぬ大規模災害や長期的な景気後退が発生した場合でも、一次保険会社が顧客に対する義務を維持できるようにしています。
階層
| コード | タイトル | 説明 |
|---|---|---|
| 52 | Finance and Insurance 2桁セクター | The Sector as a Whole The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in ownership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified: 1. Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transform or repackage the funds with respect to maturity, scale, and risk. This activity is known as financial intermediation. 2. Pooling of risk by underwriting insurance and annuities. Establishments engaged in this activity collect fees, insurance premiums, or annuity considerations; build up reserves; invest those reserves; and make contractual payments. Fees are based on the expected incidence of the insured risk and the expected return on investment. 3. Providing specialized services facilitating or supporting financial intermediation, insurance, and employee benefit programs. In addition, monetary authorities charged with monetary control are included in this sector. The subsectors, industry groups, and industries within the Finance and Insurance sector are defined on the basis of their unique production processes. As with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital. In addition, the way in which these establishments acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis for distinguishing characteristics of the production process. For instance, the production process in raising funds through deposit-taking is different from the process of raising funds in bond or money markets. The process of making loans to individuals also requires different production processes than does the creation of investment pools or the underwriting of securities. Most of the Finance and Insurance subsectors contain one or more industry groups of (1) intermediaries with similar patterns of raising and using funds and (2) establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation. Industries within this sector are defined in terms of activities for which a production process can be specified, and many of these activities are not exclusive to a particular type of financial institution. To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into components performing specialized services. This requires defining the units engaged in providing those services and developing procedures that allow for their delineation. These units are the equivalents for finance and insurance of the establishments defined for other industries. The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct production processes may take place at a single location belonging to a multilocation financial firm. Activities are more likely to be homogeneous with respect to production characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those classifying by location and by those employing a more top-down approach to the delineation of the establishment. Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation are included in multiple subsectors, rather than in a separate subsector dedicated to services alone, because these services are performed by intermediaries, as well as by specialist establishments, and the extent to which the activity of the intermediaries can be separately identified is not clear. Financial industries are extensive users of electronic means for facilitating the verification of financial balances, authorizing transactions, transferring funds to and from transactors' accounts, notifying banks (or credit card issuers) of the individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services, establishments that principally provide a financial transaction processing service are classified in this sector, rather than in the data processing industry in the Information sector. Legal entities that hold portfolios of assets on behalf of others are significant and data on them are required for a variety of purposes. Thus, for NAICS, these funds, trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in Industry Group 5239, Other Financial Investment Activities. |
| 524 | Insurance Carriers and Related Activities 3桁サブセクター | Industries in the Insurance Carriers and Related Activities subsector group establishments that are primarily engaged in one of the following: (1) underwriting (assuming the risk, assigning premiums, and so forth) annuities and insurance policies or (2) facilitating such underwriting by selling insurance policies and by providing other insurance and employee benefit related services. |
| 5241 | Insurance Carriers 4桁産業グループ | This industry group comprises establishments primarily engaged in underwriting (assuming the risk, assigning premiums, and so forth) annuities and insurance policies and investing premiums to build up a portfolio of financial assets to be used against future claims. Direct insurance carriers are establishments that are primarily engaged in initially underwriting and assuming the risk of annuities and insurance policies. Reinsurance carriers are establishments that are primarily engaged in assuming all or part of the risk associated with an existing insurance policy (or set of policies) originally underwritten by another insurance carrier. Industries are defined in terms of the type of risk being insured against, such as death, loss of employment because of age or disability, and/or property damage. Contributions and premiums are set on the basis of actuarial calculations of probable payouts based on risk factors from experience tables and expected investment returns on reserves. |
| 52413 | Reinsurance Carriers 5桁NAICS産業 | See industry description for 524130. |
| 524130 | 再保険会社 6桁米国詳細コード | 再保険会社は、保険会社間でリスクを再配分することにより、世界の保険市場において極めて重要な役割を果たしており、それによって安定性を高め、大規模な請求が保険契約者にとって財政的に管理可能であることを保証しています。彼らの主な機能は、損害保険から生命保険に至るまで、元の保険会社が発行した既存の保険契約に付随するリスクの全部または一部を引き受けることです。これらの組織は、再保険契約を引き受ける前に、損失経験、価格設定の傾向、資本の十分性を分析して、補償限度額と保険料体系を決定します。 この分野の業務には、複雑な引受プロセス、厳格な準備金計算、そして壊滅的な財務損失を防ぐための世界的なリスクエクスポージャーの継続的な監視が含まれます。事業者は主に大規模な多国籍企業または地域信託として組織されており、規制上の支払能力要件を満たすための多額の資本準備金を保有していることがよくあります。一部の機関は仲介業者として機能し、小規模な保険会社に対して資本支援とリスク管理の専門知識の両方を提供しています。この業界の規模は大きく、膨大な保険料の流れを伴い、より広範な保険業界の重要な背骨として機能しています。多様な市場でリソースをプールすることにより、再保険会社は、予期せぬ大規模災害や長期的な景気後退が発生した場合でも、一次保険会社が顧客に対する義務を維持できるようにしています。 |
この業界に対応したサプライチェーン基盤が必要ですか？
このNAICS分類を出発点にし、在庫、倉庫、受注管理、フルフィルメント、輸送にわたるItemワークフローへ接続できます。
分類参照
- 01当初、年金および生命保険、障害所得保険、事故による死亡および身体障害保険、および健康および医療保険のポリシーを underwriting していた--は Industry 52411、Direct Life, Health, and Medical Insurance Carriers に分類されています。
- 02当初、生命保険、障害所得保険、事故による死亡および身体障害保険、および健康および医療保険のポリシー（を除く）のさまざまな種類の保険ポリシーを underwriting していた--は Industry 52412、Direct Insurance (except Life, Health, and Medical) Carriers に分類されています。
索引項目
事故および健康保険のリインサーランス事業者
生命保険のリインサーランス事業者
海洋保険のリインサーランス事業者
医療保険のリインサーランス事業者
不動産および損害保険のリインサーランス事業者
リインサーランス事業者
Itemが支援できること
再保険会社は、WMSを利用して保険証書やリスクデータストレージなどの物理的な資産を管理し、支店間の正確な在庫追跡を確保するとともに、内部監査を合理化しています。
OMSは、複雑な再保険取引や保険契約の移管を調整し、一次保険会社と再保険パートナー間のリアルタイムな連携を可能にすることで、決済遅延を削減します。
データインテリジェンスプラットフォームは、再保険会社のために過去の請求データと市場動向を分析し、引受率とポートフォリオのリスクエクスポージャーを最適化するための予測インサイトを提供します。
