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                            25  1998 .  N 35
   
                                   .
   
                     
      04.06.98 .,    2500/12.
   
                                   
   
                     
                    
            
   
           (   04.06.98 .)
   
           (       20.11.98)
   
           # -       
                   
               N 73  11.11.98 . (   20.11.98 .)
   
   
                   "
                 "  
               ,   ,   "
      (    ,  1996 ., N 35,
      . 630)       
            :
   
           1.         
        .
   
   
                                         ..
   
   
                                             
                                                     
                                                     
                                                       
                                                   
                                                 25
                                              1998 . N 35
   
   
                                   
   
                  
             
   
   
                             1.  
   
           1.1.      
       "           "
                    ,    
      ",           "
      "        
         .
   
           1.2.          
                     
                   
      .
                  ,
                     
                
          .
                  ,      
                      
       .
                   
       .
         #                  
      () . #
   
           1.3.           
         :
   
                      1. -  
                          2. -  
                    - ,    
                          
                    -                     
                                          
                           
               -   ,  
                   ()  
                               
                            
            -    ,    
                 
                                   
                            
              -    ,    
                    
                          ,   
          - ,                
              
                                      
                             ,   
                               
        - ,  
               
                                
                             
                  -            
                               
                          
              -             
                               
          -    
                          .
   
           1.4.           
      ()   ,    .  
      ,        ,      
               ,      
                    
           .
   
           1.5.       
        ,         
                    ()
         ,     6  
          "  "     
        .      
                   ,    
          #  
          ,   
            #.
   
                   
              
          .
   
           1.6.         
       :
           -         
      ;
           -  ,       
       ;
           -     ;
           -   ;
           -  ;
           -   ,     
           ;
           -   ();
           -    ;
           -   ;
           -  ;
           -    ,        ,    
        ;
           -  (  );
           -    .
   
         # 1.7.            
                         
      ,            
         . #
   
           1.8.     
          .
   
               2.    
                        
   
           2.1.                 
                  
             
      ()   .
                    
      ,             
      -    
               ,
             
       30 .
                         
             ,    
                     50
      .
                   
                           
      ,         
         ,    
               ,      
             ,    
                      ,
         2  3      
        65  75 .
                     
         ,          
       ,      ,  
       .
   
           2.2.          ,
              (  1),   
            ,       
              
               
       .
   
           2.3.     ()      
           
      (),       ,      
            ()      
          ().
   
           2.4.         
      ( )  (),   
       ,     
      ()           
                
      .
                   
        ()          
                 
         :
           -     :
                    
      ,             
        ()    
        ,       (
          );
               ,    
                 ()   
                     ,
          ,   ,  
      ,        (
          );
           -     :
                    
      ,                 
                ,
            (       
       );
                          
      ,   ,  
              (      
       );
            ,      
        ().
   
           2.5.        
        (),       
      ()  ,       
      ,      ()  
         ,   ,    
      2.4.                
                 
                ,   
                          
      ()   ,     (
          ).
   
           2.6.                    
         ()         
      .         
      ()             
                
         ,            
          ,         2.4.
       .
   
           2.7.             
                    
      ,                  
      ()             
                2.4.,  2.5.,  2.6.
              .
   
           2.8.         ()    
                    
              
               (  
         ),     
           :
           -       ( )  
      ,   ,   , ,  
       ;
           -         (,   ,
         .);
           -   ,  ,      
         ()         
       .
                    
        ()      
            ()      
         ( ,  
         ,   
            ,   ,      ,
        ,        
      .).
                   
      ,     ,  
           ,  
        .
   
           #  3  #
   
   
             
               
                                     ..
   
   
                                              N 1
   
                                  
                    (
                "STANDARD & POOR'S"),  
                  
                    
                       
                     
   
       
       N    N    
       
        1  MUNICH RE, Germany         37 CNA INTERNATIONAL RE, UK  
       
        2  SWISS RE, Switzerland      38 NIPPON FIRE & MARINE,     
                                         Japan                     
       
        3  GENERAL RE, US             39 NAC RE, US                
       
        4  GENERAL GLOBAL RE, Germany 40 DEUTSCHE RE, Germany      
       
        5  FRANKONA RE, Germany       41 DAI-TOKYO FIRE & MARINE,  
                                         Japan                     
       
        6  EMPLOYERS RE, US           42 MUNICH AMERICAN RE, US    
       
        7  GOLOGNE RE, Germany        43 GOTHAER RE, Germany       
       
        8  HANNOVER RE, Germany       44 SPHERE DRAKE, UK          
       
        9  AMERICAN RE, US            45 SOREMA, France            
       
       10  BAVARIAN RE, Germany       46 NUCHIDO FIRE & MARINE,    
                                         Japan                     
       
       11  TOA FIRE & MARINE, Japan   47 VUTUELLE CENTRALE, France 
       
       12  TOKIO MARINE & FIRE,       48 VERITAS RE, Switzerland   
           Japan                                                   
       
       13  EISEN & STAHL RE, Germany  49 LES MUTUELLES DU MANS,    
                                         France                    
       
       14  EMPLOYERS RE               50 SIRIUS INTERNATIONAL,     
           INTERNATIONAL, Den            Sweden                    
       
       15  AACHEN RE, Germany         51 SKANDIA INTERNATIONAL,    
                                         Sweden                    
       
       16  NATIONAL INDEMNITY, US     52 KEMPER RE, US             
       
       17  AXA RE, France             53 NORTH AMERICAN RE, US     
       
       18  PRUDENTIAL RE, US          54 NEW RE, Switzerland       
       
       19  SCOR RE, France            55 EUROPAISCHE RE,           
                                         Switzerland               
       
       20  UNION RE, Switzerland      56 NATIONAL RE, US           
       
       21  YASUDA FIRE & MARINE,      57 ZURICH RE CO OF NEW YORK, 
           Japan                         US                        
       
       22  ABEILLE RE, France         58 RHEIN RE, Switzerland     
       
       23  SAFR, France               59 PUTNAM RE, US             
       
       24  CAISSE CENTRALE, France    60 CIE TRANSCONTINENTALE,    
                                         France                    
       
       25  UNIONE ITALIANA, Italy     61 VICTORIA RE, Germany      
       
       26  TRANSATLANTIC RE, US       62 ZURICH RE (UK), UK        
       
       27  MITSUI MARINE & FIRE,      63 KOA FIRE & MARINE, Japan  
           Japan                                                   
       
       28  ZURICH INSUARANCE,         64 NISSAN FIRE & MARINE,     
           Switzerland                   Japan                     
       
       29  IRB, Brazil                65 RHEIN-MAIN RE, Germany    
       
       30  CONSTITUTION RE, US        66 MERCANTILE & GENTRAL      
                                         RE, UK                    
       
       31  GIO, Australia             67  VESTA FIRE, US           
       
       32  CHIYODA FIRE & MARINE,     68 ARIG, Bahrain             
           Japan                                                   
       
       33  TIG RE, US                 69 FIRST EXCESS &            
                                         REINSURANCE, US           
       
       34  SUMITOMO MARINE & FIRE,    70 FUJI FIRE & MARINE, Japan 
           Japan                                                   
       
       35  KOREAN RE, Korea           71 CIGNA RE, US              
       
       36  F & G RE, US               72 DOWA FIRE & MARINE, Japan 
       
       73  ST PAUL RE LTD, UK         85 KYOEI MUTUAL FIRE &       
                                         MARINE, Japan             
       
       74  WINTERTHUR RE OF           86 AXA RE, US                
           AMERICA, US                                             
       
       75  AGRIPPINA RE, Germany      87 SKANDIA AMERICA RE, US    
       
       76  GRINNELLE MUTUAL RE, US    88  REINSURANCE AUSTRALIA,   
                                          Australia                
       
       77  MAPFRE RE, Spain           89  COPENHAGEN RE, Denmark   
       
       78  AMERICAN AGRICULTURAL,     90  FOLKSAMERICA RE, US      
           US                                                      
       
       79  DORINCO RE, US             91  NEW JERSEY RE, US        
       
       80  UNDERWRITERS RE, US        92  TERRA NOVA, UK           
       
       81  SCOR REINSURANCE (US),     93  UNIONAMERICA, UK         
           US                                                      
       
       82  SIGNET STAR RE, US         94  NISSHIN FIRE & MARINE,   
                                          Japan                    
       
       83  JAPAN EARTHQUAKE RE,       95  REINSURUNCE CORP OF NY,  
           Japan                          US                       
       
       84  GUARDIAN RE, Switzerland                                
       
   
           :     
                     
             "STANDARTD
      & POOR'S".



 
 
 
 
 











 

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