Ian Watts, Marsh Trade Credit Practice - Credit Insurance

Économie & finance Business

Credit insurance A guide for your supply chain Ian Watts Date

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Atradius / Coface / Euler Hermes Net Loss Ratio Evolution Source – Moody’s

Average market price (1997 – 2009) Expressed as a percentage of turnover Average premium rates fell by 32.3% between 1997 and 2009 but increased by 16.8% between 2008 and 2009 Source – Association of British Insurers

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Leadership, Knowledge, Solutions…Worldwide. This PowerPoint™ presentation is based on sources we believe reliable and should be understood to be general risk management and insurance information only. Registered in England Number: 1507274, Registered Office: 1 Tower Place West, Tower Place, London EC3R 5BU In the United Kingdom, Marsh Ltd is authorised and regulated by the Financial Services Authority for insurance mediation activities only. © Copyright 2010 Marsh Ltd. All rights reserved

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I have contributed an article titled 'Managing Credit Risk in Uncertain Times' and it has been published in the Jan/Feb 2017 edition of Entrepreneurs' Digest, a bi-monthly magazine published by the Association of Small & Medium Enterprises (Singapore). It talks about the role and importance of Trade Credit Insurance (TCI) in today's ever complex business environment. Through it, I hope it will raise the market awareness among SME owners.

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regulatory compliance is complex, ever-evolving and becoming more onerous by the day. highly regulated industries like energy, healthcare and financial services face a number of challenges to remain compliant and, most importantly, sustainable. The compliance officer – a role historically seen as one that requires skilled technical and quantitative calculations – today requires one to possess strong communications skills in order to communicate risks within banks, broker-dealers, investment advisory firms and other organizations. The compliance officer has to understand the challenges the firm faces today and those it could in the near future. Beyond protecting a firm’s sustainability, reputation and wallet, there are regulatory incentives to evolve this role as well. The US Federal Sentencing Guidelines were amended to reward companies for implementing effective compliance programs by protecting them from criminal liability in the first place. Looking outside of the compliance office, good global supply chain management should also focus on sustainability. Many multinational companies have multitiered global supply chains which are linked together in complex interrelationships across multiple jurisdictions. A problem in one can quickly ripple up and down the chain leading to severe reputational damage. Creating sustainability within the global supply chain goes hand in hand with a thorough Know Your Supplier (KYS) process. Investment in physical infrastructure is vital to sustainable development and the future success of developing economies. Whilst there are global resources available to fund the developing world’s investment needs, there are barriers to unleashing that capital – like, investors’ lack of confidence in fiscal and monetary management and a lack of transparency into government and regulatory processes. However, Big Data and open source standards are facilitating the creation of new benchmarks to guide investors in infrastructure projects. In this issue of Informer we take a closer look at these challenges: their impact on the sustainability of a business; the repercussions that can result from mismanaging them; how understanding them can create opportunities and the innovative ways Thomson Reuters is addressing them to keep you on the right side of regulators and allowing you to move forward with confidence.

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On the surface the property and casualty sector appears to be doing quite well, but running an insurance carrier is rarely smooth sailing. The last few years have been particularly difficult for those occupying C-Suite positions, as more fundamental issues are threatening not only short-term results on their balance sheets, but challenging the long-term viability of their operating models as well. For example, a growing number of insurers are facing significant organizational disruption. Many have made large-scale investments in technology, replacing core systems for claims, policy administration and finance. Their chief challenge now is how to effectively leverage the new systems they’ve put in place and maintain their momentum with additional innovations in personnel, products and culture. Additionally, ongoing political gridlock in Washington could undermine an already unsteady economic recovery. Not to mention regulatory uncertainty that makes it difficult for carriers to plan ahead and determine operational priorities. Innovation may ultimately be the key to keep insurers growing regardless of shifting economic and insurance market conditions, as they devise ways to thwart ongoing and emerging competitive threats as well as capitalize on new opportunities. For more - visit http://www.deloitte.com/view/en_US/us/Industries/Insurance-Financial-Services/039bdd0819e23410VgnVCM3000003456f70aRCRD.htm

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