Subprime Primer

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A simple and humorous guide to understanding the subprime mess

Business Wirtschaft & Finanzen

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1-Organization of insurer Consolidation means that the number of firms in the financial services industry has declined over time because of merger and acquisition. Convergence means that financial institutions can now sell a wide variety of financial products that earlier were outside their core business area. An effective organizational structure benefits a company by: Responsibility Authority Accountability Delegation The Organization Chart :An organization chart also shows the company’s chain of command, or the structure of authority that flows downward in the organization from the higher levels to the lower levels. Pyramidal Structure and Levels of Authority:The pyramidal structure illustrates that the authority in a company starts at the top with one person or a small group of people, Authority is then distributed through the chain of command to ever-larger numbers of people throughout out the company. 2- TYPES OF INSURERS ORGANIZATION Insurance organizations are classified by basis of risk coverage [life, general,health, property, auto]. their agency system [independent, exclusive, direct selling]and formation from legal point of view – stock or mutual. Stock insurers Mutual insurers Lloyd’s of London Reciprocal exchanges

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