A “Risk pool” is a form of risk management that is mostly practiced by insurance companies, which come together to form a pool to provide protection to insurance companies against catastrophic risks such as floods or earthquakes. The term is also used to describe the pooling of similar risks within the concept of insurance. It is basically like multiple insurance companies coming together to form one. While risk pooling is necessary for insurance to work, not all risks can be effectively pooled in a voluntary insurance bracket unless there is a subsidy available to encourage participation.
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| - Versicherungspool (de)
- Risk pooling (it)
- Pool (verzekering) (nl)
- Risk pool (en)
- Страховой пул (ru)
- Страховий пул (uk)
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| - Een pool is een groep van verzekeringsmaatschappijen die gezamenlijk in een verzekering deelnemen. Een pool wordt voornamelijk gebruikt voor de verzekering van grote of slechte risico's, voor de verzekering in moeilijke markten of voor verzekeringen waarbij specifieke kennis nodig is (zoals atoompools voor de verzekering van nucleaire risico's). Elke verzekeraar deelt met een vooraf overeengekomen percentage mee in de verzekering. De Europese Commissie heeft het vormen van pools in bepaalde gevallen toegestaan. (nl)
- Страховой пул — это добровольное объединение страховщиков, не являющееся юридическим лицом, созданное на основе соглашения между ними в целях обеспечения финансовой устойчивости страховых операций на условиях солидарной ответственности его участников за исполнение обязательств по договорам страхования, заключённых от имени участников пула. (ru)
- Страховий пул (англ. Insurance pool) — обов'язкове об'єднання страховиків, що є юридичною особою, створене на основі угоди між ними з метою забезпечення фінансової стійкості страхових операцій на умовах солідарної відповідальності його учасників за виконання зобов'язань за договорами страхування, укладених від імені учасників пулу. (uk)
- A “Risk pool” is a form of risk management that is mostly practiced by insurance companies, which come together to form a pool to provide protection to insurance companies against catastrophic risks such as floods or earthquakes. The term is also used to describe the pooling of similar risks within the concept of insurance. It is basically like multiple insurance companies coming together to form one. While risk pooling is necessary for insurance to work, not all risks can be effectively pooled in a voluntary insurance bracket unless there is a subsidy available to encourage participation. (en)
- Il risk pooling è un importante concetto relativo alla gestione di una catena di distribuzione. Esso asserisce che la variabilità della domanda si riduce all'aumentare della aggregazione delle scorte. Infatti, se manteniamo le scorte centralizzate in un magazzino queste avranno un consumo più vicino alla media che se avessimo diversi magazzini più piccoli a servire i singoli clienti. Questo avviene per via della compensazione, cioè se c'è, ad esempio, un aumento della domanda da parte di un cliente, potrebbe esserci una diminuzione da un altro. Tutto questo si traduce nella possibilità di diminuire sensibilmente le scorte di sicurezza con dunque un vantaggio economico (meno capitale immobilizzato) per l'azienda. (it)
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| - A “Risk pool” is a form of risk management that is mostly practiced by insurance companies, which come together to form a pool to provide protection to insurance companies against catastrophic risks such as floods or earthquakes. The term is also used to describe the pooling of similar risks within the concept of insurance. It is basically like multiple insurance companies coming together to form one. While risk pooling is necessary for insurance to work, not all risks can be effectively pooled in a voluntary insurance bracket unless there is a subsidy available to encourage participation. Risk pooling is an important concept in supply chain management. Risk pooling suggests that demand variability is reduced if one aggregates demand across locations because as demand is aggregated across different locations, it becomes more likely that high demand from one customer will be offset by low demand from another. The reduction in variability allows a decrease in safety stock and therefore reduces average inventory. For example, in the centralized distribution system, the warehouse serves all customers, which leads to a reduction in variability measured by either the standard deviation or the coefficient of variation. The three critical points to risk pooling are: 1.
* Centralized inventory saves safety stock and average inventory in the system. 2.
* When demands from markets are negatively correlated, the higher the coefficient of variation, the greater the benefit obtained from centralized systems; that is, the greater the benefit from risk pooling. 3.
* The benefits from risk pooling depend directly on relative market behavior. If two markets are competing when demand from both markets are more or less than the average demand, the demands from the market are said to be positively correlated. Thus, the benefits derived from risk pooling decreases as the correlation between demands from both markets becomes more positive. (en)
- Een pool is een groep van verzekeringsmaatschappijen die gezamenlijk in een verzekering deelnemen. Een pool wordt voornamelijk gebruikt voor de verzekering van grote of slechte risico's, voor de verzekering in moeilijke markten of voor verzekeringen waarbij specifieke kennis nodig is (zoals atoompools voor de verzekering van nucleaire risico's). Elke verzekeraar deelt met een vooraf overeengekomen percentage mee in de verzekering. De Europese Commissie heeft het vormen van pools in bepaalde gevallen toegestaan. (nl)
- Il risk pooling è un importante concetto relativo alla gestione di una catena di distribuzione. Esso asserisce che la variabilità della domanda si riduce all'aumentare della aggregazione delle scorte. Infatti, se manteniamo le scorte centralizzate in un magazzino queste avranno un consumo più vicino alla media che se avessimo diversi magazzini più piccoli a servire i singoli clienti. Questo avviene per via della compensazione, cioè se c'è, ad esempio, un aumento della domanda da parte di un cliente, potrebbe esserci una diminuzione da un altro. Tutto questo si traduce nella possibilità di diminuire sensibilmente le scorte di sicurezza con dunque un vantaggio economico (meno capitale immobilizzato) per l'azienda. Lo svantaggio di avere un sistema di distribuzione commerciale centralizzato è che i tempi di consegna si possono rilevare molto elevati. In ambito finanziario invece, Il risk pooling ha un altro significato: è un meccanismo tramite il quale unrischio sopportato a livello individuale viene ripartitocollettivamente oppure può indicare attività di diversificazioni di investimento con lo scopo di supportare le attività del RM (Risk Management) (it)
- Страховой пул — это добровольное объединение страховщиков, не являющееся юридическим лицом, созданное на основе соглашения между ними в целях обеспечения финансовой устойчивости страховых операций на условиях солидарной ответственности его участников за исполнение обязательств по договорам страхования, заключённых от имени участников пула. (ru)
- Страховий пул (англ. Insurance pool) — обов'язкове об'єднання страховиків, що є юридичною особою, створене на основі угоди між ними з метою забезпечення фінансової стійкості страхових операцій на умовах солідарної відповідальності його учасників за виконання зобов'язань за договорами страхування, укладених від імені учасників пулу. (uk)
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