                       
2. ѡɳСûСͺáԨ

          ѷӡûСͺáԨѧ
          1. áԨѺСѹԹ
             ѷСͺáԨѺСѹԹ   Ѻ͹حҵҡзǧҳԪ  
͹حҵŢ 2412 ѹ 12  Ȩԡ¹  2492  Ш¹繺ѷҪ  
.. 2537  ¹Ţ .327  
             ѷԹáԨѺСѹԹ·ء 觻ѺСѹ͡
             1. ûСѹѤ
             2. ûСѹ·ҧТ ԡ੾СûСѹԹҷ袹觷
                ҧ      
             3. ûСѹҹ¹
             4. ûСѹ  ԡûСѹ㹴ҹҧѧ
                  -ûСѹغѵ˵ǹؤСԹҧ
                  -ûСѹԹʴ
                  -ûСѹѺԴµͺؤ¹͡
                  -ûСѹ§¢ͧѺҡҧ
                  -ûСѹԷԡ
                  -ûСѹá
                  -ûСѹ§·ءԴ
                  -ûСѹͧŤùԤ

          2. áԨŧع
             ѷСͺáԨŧعҪѭѵԻСѹԹ  äǺ
ͧûСѹ   зǧҳԪ  ԹҡûСͺáԨСѹԹ
ŧعٻẺҧѧ












                                       -3-

             1) ҡШѺʶҺѹԹҧ
             2) ѧѾӹͧ繻Сѹ           
             3) ;ѹѵѰ  ŧعѡѾ

             ѷѡҡѺСѹ Шҡŧع (ҡŧع
ҡ͡Թѹ  ͹ҧ  ǹҡâѡѾ
觢鹡ѺеҴѹǹ)  Ѵǹ 3 շҹ ѧ 
                                                             (˹:ҹҷ)                                                   
                                           2541        2540        2539 
          ҡѺСѹ       
             ûСѹѤ                79.35       66.39       66.94
             ûСѹ·ҧТ      1.25        1.07        1.28
             ûСѹҹ¹             42.52       54.19       65.76
             ûСѹ             5.24        5.49        3.45
          ҡŧع                 45.93       63.32       66.71

          2.1 ѡɳТͧԵѳͺԡ

               ѷ ԡ١һЪҪ㹴ҹûСѹԹ չº㹴ҹ
Ѻ§·ѺҹСԹͧѷ ШѴѺ
§ ѧ

                ҹѺ§
                ѷաѺСѹ繻·Ѻҧѧ
          1. ûСѹѤ  繡ͧ·ԴѺѾԹҍ
Сѹ蹠 觻١ҧ  ʵ͡ԹҠ  ͧѡà    ¡
ͧѾԹѧǷ¨ҡ  Ҽ  Դ  
                  ͡ҡ·Դҡ˵ءóѧǠ һСѹö
ͤͧա ɷͧͤͧҧҡմѧ
                    - Դ                -
                    - ·ҧҡ             -¡
                    - 蹴Թ             -¨ҨйѴشҹ 
                    - ¹ӷ  



                                       -4-                                                     

                  ¼һСѹµͧ»Сѹա§硹Ѻ·
 բ¡鹷ͧѵغҧҧ Թ ͧ ѭդҳѵ
ŻѵطդԹ 2,000.00 ҷиѵ 繵

               2. ûСѹö¹ 繡ͧ·Դҡغѵ˵؍
ҧö¹  ͡ 2  
                    1.ûСѹö¹ҤѧѺ  ҪѭѵԤͧʺ
ҡö ..2535 
                    2.ûСѹö¹ҤѤ  
                         2.1 ûСѹ»1 繡ͧ͡úҴ 
ҧ   Ե  µͷѾԹͧؤŷ  ͧǹͧö٭  
ʹµ͵ö¹Դҡê    Դ    ͧغѵԍ
˵ǹؤŢͧѺм  ǧԹк㹡
                         2.2 ûСѹºؤŷ  繡ͧҧ  
ԵзѾԹͧؤ¹͡  ǧԹк㹡
                         2.3 ûСѹºؤŷ/ѡѾ 繡ͧ
ҧ   Ե  зѾԹؤ¹ͧ͡ǹͧö  Сѹ੾㹡óՍ
٭·駤ѹ
          
                   3. ûСѹ  ͡ûСѹ·ء͡˹ͨҡûСѹ
ö¹  Ѥ СûСѹ·ҧТ  繡ûСѹ㹤·Դ鹍
Ѻؤͷ¾Թ㹡óյҧ
                    -ûСѹغѵ˵ǹؤ
                    -ûСѹغѵ˵ءԹҧ
                    -ûСѹѺԹ
                    -ûСѹá
                    -ûСѹѺԴµͺؤ¹͡
                    -ûСѹͧŤùԤ
                    -ûСѹ§¢ͧѺҡҧ
                    -ûСѹԷԡ
                    -ûСѹ§·ءԴ
                     ѡɳФͧᵡҧѹл  ûСѹ
غѵ˵ǹؤ  ͧ 24   óշһСѹѺҴ  ԡ 
 ªԵ  ¼һСѹ¨ѺҪµӹǹԹк㹡 繵


                                       -5-

               4. ûСѹ·ҧТ  ûСѹ·ͧͤ
·Դ鹡ѺԹҧâ觠  ѹԴҡغѵ˵    µ  ͍
ͧԹ  繵
                  ѡɳСѺСѹ  ͡ 2 
                  1. ûСѹ¡âԹ  ·ҧ  ҧзҧҡ  
öԴغѵ˵ؾԡ  㹷  ͧԹԹѺ
                  2. ͧͧѡػóͧ   Ͷ١
  ͪѹ  ԴԴ 繵鹍
                  ѡɳФͧ
                  һСѹ¨Ѻͧ͹ѭҷкѧ
                    1. TLO (Total Loss Only) һСѹ¨Ѻ͍ͧ
ѾԹһСѹԧ ( 100% )
                    2. ICCC (Institute  Cargo  Clause C) 繡äͧ͹
੾غѵ˵˭ ҹ˹Ъѹ
                    3. ICCB (Institute cargo Clause B) ͹䢡äͧ
¤ͧҧ鹨ҡ Clause C   Դ蹴Թ    ͡âԹҍ
ŧҡѺ¨ҡóմѧ
                    4. ICCA (Institute  Cargo  Clause A ) 繡äͧÍ
§·ءԴ ¡鹍
                         4.1 繡áзਵ
                         4.2 繡٭»¢ͧѾԹһСѹ
                         4.3 ֡͹ѡɳ
                         4.4 ԹҾµǢͧѹͧ
                         4.5 úèպͷ

          ҹèѴ

          ѷաûСѹµ  繡÷ѷѺСѹ§·ѾԹһСѹ
ҧǹѧöͧѷ  ǹͺѷ任СѹµѺѷСѹ
 ͡ 3 ѡɳдѧ
               1. һСѹµẺ੾ (Facaltative  Reinsurance) 繍
һСѹµºѷѺСѹµͷҺҺѷѺСѹ
ͨѺ§·ѾԹҺ  駹ѺСѹµԷѺͻʸ  ҡ
ѺСѹµѺСѹ͡Ш¤ҹ˹Ѻѷ


                                       -6-

               2. ûСѹµẺѭѵѵԠ Ѵǹ (Proportional
Reinsurance Treaty) 繡һСѹ͵ѭҷ赡ŧѹǧ˹  ҧѷ
СѹµмѺСѹ  駹ѺСѹͨѺԴͺԹ᷹ѴǹǡѺ
СѹµͷѺ ûСѹµͻ͡ 2  Quota Share 
Treaty   Surplus  Treaty
               3. ûСѹµ͵ѭѵѵԠ Ѵǹ(Non-proportional 
Reinsurance Treaty)ҧ蹠 ûСѹǹԹ (Excess of Losss) 
繡õŧѺԴͺ㹤ФǹԹҤѺԴͧѷһСѹ
֧дѺ˹觠蹼ѺСѹµ͵ŧҷѭǧԹ 1,000,000ҷ Excess500,000 
ҷ͡Դ˹  դԴ鹹¡ 500,000 ҷ  ѷһСѹµͨ
ͧѺԴͺǹ鹷  ҤԹ 500,000 ҷ  ѺСѹµͨѺԴͺ
ǹԹҡ 500,000 ҷ ͧԹ 1,000,000 ҷ кѭҍ

           㹻 2541 ѷ ҡѺСѹ ¡͡ 4 ѧ :-
                       
                                                             (˹:ҹҷ)
                                      ·ҧ
                              Ѥ   Сâ   ö¹         
   
      »СѹѺ           137.12     1.59      43.03    12.88    194.62
      »Сѹµ             56.05     0.34       0.53     8.53     65.45
      »СѹѺط          81.07     1.25      42.50     4.35    129.17
      Թͧ»Сѹ                                                                                
      ()Ŵŧ              (1.71)     -         0.02     0.88     (0.81)   
      ҡѺСѹ     79.36     1.25      42.52     5.23    128.36  

           ǹ㹴ҹêԹ᷹ ѷѧִ㹤صԸǴ
١ ¤Թ᷹ѷ 㹻 2541 մѧ :-

                                       ·ҧ
                               Ѥ   Сâ  ö¹        
       Թ᷹            11.97     0.32      18.38     2.35     33.02
       ѵǹԹ᷹
       »Сѹ              15.08%   25.60%     43.23%   44.93%    25.72%



                                        -7-

              ѡɳ

                                 2541              2540              2539
                           ҹҷ       ҹҷ       ҹҷ   

ҡѺСѹ
     »Сѹ            208.29   115.03   237.56   118.81   253.84   118.22
     ѡ »Сѹ¡ԡ觤׹   13.67     7.56    12.25     6.13    13.78     6.42
     ѡ »Сѹ          65.45    36.14   108.11    54.11   108.04    50.31
     »СѹѺط         129.17    71.33   117.11    58.57   132.02    61.49
     ѡ Թͧ»Сѹ
        ѧ
        (Ŵ) ҡա͹        (0.81)   (0.44)   10.03     5.02     5.42     2.52
     ҡѺСѹ 128.36    70.89   127.14    63.59   137.44    64.01
ҡŧع
     ͡Թѹ       52.89    29.21    63.32    31.67    51.51    23.99
     (Ҵع)ҡ
     ѡѾ             (6.96)   (3.84)   (0.17)   (0.09)   15.20     7.08
                      6.79     3.74     9.66     4.83    10.56     4.92
     ҡŧع        52.72    29.11    72.81    36.41    77.27    35.99
                   181.08   100.00   199.95   100.00   214.71   100.00                                  -7-

          2.2 üԵ ͡èѴҼԵѳͨ˹

                             
          2.3 õҴ
    
                ҡɰԨͧ㹻2541еҧͧҡ 2540 
ԡĵóҹԹµ  觼ûСѹѺšзҡ˵ءóѧµç 
ԡĵóҧɰԨҾͧͧҴԹŴŧҧҡ  áҧ  ëҹ˹  
ëͷ  Ҿ͵ҧعç Ңͧҹ˹ҤõҧҴҾͧشŴ
÷ӻСѹ  觼ŷͧзŴŧͧѵԭԺⵢͧáԨҾ  ѧ鹺ѷ
չº㹴ҹõҴѡҰҹ١¡äԷҾҹúԡҧ繸Ǵ



                                       -8-

               1. طҧõҴ
                    - ѡҰҹ١
                    - °ҹ١ ¡˹˹ҷ͡ԡ ¹١
                    - Ѵ֡ͺ˹ҷͧѷդҹСѹԹ龹ѡҹ
öԡһСѹҧջԷҾѹ繡ҧҾյͺѷ
               2. ش ش
                    2.1 ش ѷռ˭հҹ蹤 ʶҺѹԹ繼
˭  ҢҡШǻ ö͢¢ͧ㹡â§ҹͧѷ
                    2.2 ش ѷյ᷹СѹԹҡҡѺѷСѹ 
»Сѹ·Ҩҡ᷹ըӹǹҡѡ
               3. ١
                    3.1 ١ҷ 觺ѷҹҡ᷹й˹һСѹԹ 
õԴµç ١ҷǹ˭繧ҹСѹö¹лСѹѤ
                    3.2 ١Թͧ͢ʶҺѹԹ ǹ˭繧ҹСѹѤ Сѹ
 СûСѹ¡§·ءԴ
               4. º¡õҤ
                    º¡á˹Ҥҫá˹عСѹ »Сѹ ͹
ͧСѹлͧѷ ѧ
                    ûСѹѤ ѺСѹѤ ѷС˹عСѹѤ¢ͧ١
ѷͻԹҤҷѾԹͧСѹ ¡˹عСѹ§ѺŤ
ͧ觻١ҧзѾԹ  ѹѺСѹ 㹡ѺСѹ¢Ҵ˭ ѷ˹ҷ͡                                    
ǨͻԹ§оԨóҷعСѹ¡͹ء ǹ»Сѹºѷʹ
СѹԡѴѵҷûСѹ зǧҳԪ˹ ѧ㹡á˹ѵ»Сѹ
鹰ҹͧѷѺСѹ·ءѷѡࡳǡѹ
                    ûСѹ·ҧТ ԡ੾СûСѹԹҷ袹
㹻ҧ á˹عСѹûСѹԹСẺҵ
ҹҡ ǤͨҤ͹㺡ӡѺԹ繵ǡ˹ºѷС˹عСѹ
ҳ 110 ͧҤҷҢҤԹ  ͢ ǹѵҤ»Сѹ
С˹ҡѡɳТͧԹ úèպ 鹷ҧâ ͹䢤ͧ 
еҴ
                    ûСѹö¹ á˹عСѹͧö¹·仺ѷѺСѹ
Ҥһҳ 80 ͧҤöѹѺСѹ ШաþԨóһѺŴعСѹʹ
ͧѺҤҵҴ աõءء  



                                       -9-
                                    
                á˹ѵ»Сѹö¹մѧ
                    - ûСѹµͺѧѺͧ (...)
                         ͧҡҪѭѵԤͧʺ¨ҡö .. 2535˹
Ңͧööö еͧԹèѴաûСѹͤͧ
Ѻʺ¨ҡö С˹ѷѺСѹ·ءѷҢҷǻȷѺ͹حҵ
СͺԨûСѹö¹ҪҳҨѡ繼˹ҷͧѺСѹµҪѭѵԩѺѧ
 駹ӹǹԹ·еͧ駤»СѹѺöл仵
ҧҪá˹͹ѹءѷ
                   - ûСѹµѤ ѵ»Сѹ¾鹰ҹվԡѴѵҵ
´˹¡ûСѹ зǧҳԪ ¾ԨóҨҡͧö Ҵͧ
ͧ¹ ӹǹ ˹ѡ лҹ;ԨóҨҡѵԡ¡ͧ
·ҡ 2 Ңͧ»Сѹ¢ͧա͹ 繵
                   - ûСѹ                                    
                         á˹عСѹ Ըա˹عСѹͧ
ҹ ػ 3 ѡɳдѧ
                         - ˹عСѹẺŤҷҷ᷹ ѺûСѹ
§·ءԴ ѺԴµͺؤ¹͡
                         - ˹عСѹẺŤҵ赡ŧѹ ѺûСѹ
غѵ˵ǹؤ СûСѹԹҧ
                         - ˹عСѹẺǹá ѺûСѹ
á
                         á˹ѵҤ»Сѹ¢鹵µǵԡѴѵ»Сѹ
·Ѻ繪ͺҡûСѹ зǧҳԪ
                õͧ͡§ ͧҡѺСѹ繸áԨԡ÷ѹ֡
»Сѹӹǹ ѹآͧ ԡ㹡ѺСѹҨ
ء ѷСѹԹµͧԹͧ͡§ǹ»Сѹѧ
 ѷӹǹԹͧ»Сѹ·ѧࡳ㹾ҪѭѵԻСѹ
Թ´ѧ
                ûСѹѤ ûСѹö¹ СûСѹ Ը
͹(Ը˹ǹԺ)
                ûСѹ·ҧТ Ըӹǹ»СѹѺط͹
͹ѧ




                                      -10-

               2. è˹Ъͧҧè˹
                    ѷ˹§ҹ¡õҴԴԡ١µçеԴѺҹ
ԹͨҡʶҺѹԹ ͡ҡѷաõԴͷҧõҴѺѷ˹е᷹Шҡ
ѷСѹԹ´¡ѹ㹴ҹûСѹµ
               3. ѡɳ١
                    ǹ˭١ҷ仫һСѹ¡Ѻѷҧͧ
ҹ١Թͧ͢ʶҺѹԹҧ  ǹ١˭ѷըӹǹҡѡ
          2.4 Էͨ͢ӡѴ㹡ûСͺáԨ 
                    ѷСͺáԨСѹԹҪѭѵԻСѹԹ .. 
2535 ѰҡáзǧҳԪ ͸ԺաûСѹͼ͸ԺաûСѹ
ͺ繹·¹ҪѭѵԹ觨ӹҨ㹡äǺѷ 㹴ҹѺСѹ
á˹ѵҤ»Сѹ Сŧع 
          2.5 çôԹҹ͹Ҥ                     
               ѷչº·ТҢǹҤѺҾɰԨ
ԡáѺ١ҧǶ֧ С÷㹻Ѩغѹ ѷѴաͺҹûСѹ
ԹѺؤҡ;㹡ôԹ 龹ѡҹöԡһСѹ
ҧջԷҾФúǧ 繡ҧҾյͺѷ աѧ٧١OPT 1.50           !B!B!B                                                   x &   N  n 