Suchergebnisse

The subject of the study is the world insurance market, its trends and prospects for development on the example of leading countries. The aim of the work is to identify the features and patterns of insurance in the field of transnational business on the example of a transnational insurance broker (SB) Arthur J. Gallagher & Co (AJG). Research methods: statistical analysis, formal and logical modelling of socio-economic processes. The results of the study consist in a comprehensive description of the insurance business of the broker AJG, implementing various strategies to work in national markets. Activity in the States on development of insurance services is carried out taking into account positive and negative tendencies of the world market. The complexity of the present situation is the increasing risk of economic recession, reflected in the reduction in the volume of insurance coverage. Adaptation consists in consolidation of capital, strengthening of positions of the largest and stable companies. AJG has gained access to emerging markets in countries previously closed to transnational capital, but the mission and strategy need to be adapted to national circumstances. The scope of application of the results can be in the commercial field in the activities of the leaders of the insurance market of Russia in planning the strategy of its activities and ensuring the competitiveness of services in the global market. In modern conditions of development of the world insurance market the advantages of leading companies are connected with internal financial and economic stability, flexibility of strategies of penetration into national markets, pronounced social orientation of business.

The paper shows the severity of the crime problem in the auto insurance market in Russia. Showing the forms of crime on the part of employees of insurance companies and customers. Considered the legal regulation of crime in this market. There are suggestions for improving the legal institute of auto insurance in Russia. In particular, it is necessary to retrain the responsibility for forging documents in the field of auto insurance in fraudulent activities; to strengthen the interaction of the insurance companies at the stage of pre-trial settlement of disputes with each other; to resort to forensic expertise in the event of contradictions at the stage of pre-trial settlement and other measures.

The article analyzes the concept of gross negligence in the occurrence of an insured event and its legal significance for liability insurance. The broad interpretation of gross negligence in judicial practice leads to an increase in the number of cases of refusal to pay insurance compensation. For this reason, customs representatives and other professional participants in the turnover cannot use insurance protection in situations for which such protection is provided. Using the examples of judicial practice, the author substantiates the need to analyze all elements of the insured event as a whole, and not only the behavior of the party preceding this case, when determining gross negligence. In addition, in the article the author touches upon the currently relevant issue of the admissibility of providing in the contract the possibility of releasing the insurer from the payment of compensation. The author comes to the conclusion that the rules regarding gross negligence in the occurrence of an insured event should be considered imperative, because this form of guilt does not exclude the randomness characteristic of insurance relations. According to the author, the rules of Article 959 of the Civil Code of the Russian Federation allow to protect the interests of the insurer in connection with the increased risk of an insured event due to gross negligence.

Integration of banks and insurance companies along with positive effects for the state, clients and shareholders, also brings about specific risks. Functioning of financial institutions is exposed to the influence of external and internal environment, manifested in a number of risks finding the expression in corresponding threats. The article examines the risks of banks and insurance companies' integration together with the main instruments of their neutralization. The author offers classification of risks of insurance companies and banks integration by its level and develops the tools to prevent and neutralize the risks of integration. The tools to prevent and neutralize the risks of insurance companies and banks integration are as follows: internal risk management; prudential supervision and regulation.

The article presents the results of a study of the demand for agricultural insurance in the Republic of Kazakhstan. For about 16 years, Kazakhstan had a system of compulsory insurance in crop production, but the level of insured areas fluctuated from year to year, reaching their minimum value of 38% in 2019. Drawing on statistics from 2010 to 2018 of the two largest cereal growing regions (Kostanay and Akmola regions) and using the weighted least squares method, the author constructs an econometric model of the dependence of insured areas share on a number of factors. The determinants for the analysis were such indicators as the gross profit of agricultural producer, yield results, material costs, rainfall in winter and pre-sowing season.

Рассматриваются две модели страхования с дискретным временем. Первая модель изучает непропорциональное перестрахование и банковские займы. Для нее найдено оптимальное управление и установлена устойчивость к флуктуациям параметров и возмущениям распределений случайных величин, описывающих модель. Вторая модель дуальная, для нее выполнено сравнение вероятностей разорения в предположении, что распределения доходов подчинены одному из четырех частичных порядков.

The author studies environmental insurance in nature management as a lever of management measures to prevent and eliminate environmental pollution by oil products during their transportation and oil fields development. The research aims to develop recommendations for environmental risks insurance in Russian oil and gas industry on the basis of economic and mathematical model that allows to estimate the scale of environmental pollution by oil products. Such methods as system and comparative analysis, expert assessments, forecasting, modeling used in this work helped the author to identify Russian environmental insurance features; to propose a method for solving the problem concerning the lack of statistical data on the frequency and scale of accidents and the environmental damage magnitude by mathematical modeling of the accident, which allows to estimate the radius and depth of the underlying surface pollution. These developments will help insurers to make more adequate insurance premiums and tariffs, as well as to improve the underwriting procedure for unique oil and gas projects. But in order for the obtained achievements to find their application, it is necessary to have legislation obliging oil companies to compensate for environmental damage, and due to the scale of such damage, oil companies will be obliged to insure the relevant risks.

Current problems of the antitrust regulation in the insurance industry are regarded. Contradictions and conflict of interest of antitrust authorities and subjects of insurance activities are revealed on the basis of the analysis of the current legislation and existing practice. The necessity of taking into account industry characteristics in the course of formation of antitrust legislation is substantiated. ; Рассматриваются актуальные проблемы антимонопольного регулирования в страховой отрасли. На основе анализа действующего законодательства и существующей практики выявлены противоречия и конфликт интересов антимонопольных органов и субъектов страховой деятельности. Обоснована необходимость учета отраслевых особенностей при формировании антимонопольного законодательства.

Current problems of the antitrust regulation in the insurance industry are regarded. Contradictions and conflict of interest of antitrust authorities and subjects of insurance activities are revealed on the basis of the analysis of the current legislation and existing practice. The necessity of taking into account industry characteristics in the course of formation of antitrust legislation is substantiated. ; Рассматриваются актуальные проблемы антимонопольного регулирования в страховой отрасли. На основе анализа действующего законодательства и существующей практики выявлены противоречия и конфликт интересов антимонопольных органов и субъектов страховой деятельности. Обоснована необходимость учета отраслевых особенностей при формировании антимонопольного законодательства.

In article the basic provisions and parameters of voluntary life insurance, and also change of the legislation in the field of accumulative insurance coming into force since January 1, 2015 are considered. ; В статье рассмотрены основные положения и параметры добровольного страхования жизни, а также изменения законодательства в области накопительного страхования, вступившие в силу с 1 января 2015 г.

The Russian insurance market requires qualitative,quantitative and structural changes.The solution of problems related to the development of financial markets in Russia as defined in the Long-Term Socio-Economic Development Forecast for the Russian Federation till 2030 by the Russian Ministry of Economic Development requires radical improvement of the national insurance system. This article is devoted to the investigation into this problem. The article contains the results of a research carried out by the author on the subject "Regulation of the Insurance Market", commissioned by the Russian Federation Government to the Financial University within the framework of budget financing, using fundamental and applied research works of Russian and foreign specialists. The reported research is based on Russian insurance market statistical data, statutory documents, insurance supervision data, information of the Economic Development Ministry, the Emergency Ministry, the Federal Statistics Service, foreign sources. Methods of system analysis have been employed. The article assesses the current state of the domesticinsurance market,identifies the main goals of the insurance market development strategy till 2020 including: not solved problem of life insurance, creation of a mega-regulator, problems of the Russian insurance market integration into the world economy. The article reveals disparities in the Russian insurance market, complex problems of interaction with the consumers of insurance services, systemic problems of insurance companies and infrastructure. The findings of the research may be used by Russian state insurance supervisors,the corporate sector and analysts in building up the strategy and tactics of insurance companies to enhance competitiveness in the reorganization of the national insurance market. ; Российскому страховому рынку необходимы качественные, количественные и структурные изменения. Решение задач развития финансовых рынков России, определенных в «Прогнозе долгосрочного социально-экономического развития Российской Федерации на период до 2030 года»** Минэкономразвития России, требует радикального совершенствования отечественной страховой системы. Данная статья является результатом исследования, выполненного автором по теме «Регулирование рынка страховых услуг» (заказ Правительства РФ Финансовому университету в рамках бюджетного финансирования), с использованием фундаментальных и прикладных работ российских и зарубежных специалистов. Базируется на статистических данных российского страхового рынка, нормативных документах, данных страхового надзора, Минэкономразвития, МЧС, Федеральной службы государственной статистики, зарубежных источниках. Работа проведена с помощью методов системного анализа. В статье дана оценка текущего состояния отечественного страхового рынка, выявлены основные задачи для достижения целей Стратегии развития страхового рынка до 2020 г.: нерешенные проблемы страхования жизни, создание мегарегулятора, проблемы интеграции российского страхового рынка в мировое экономическое пространство. В статье выявлены диспропорции российского страхового рынка, комплекс проблем взаимодействия с потребителями страховых услуг, системные проблемы страховых компаний, инфраструктуры. Материалы работы могут быть использованы российскими государственными органами страхового надзора, корпоративным сектором и аналитическими компаниями при формировании стратегии и тактики страховых компаний для повышения конкурентоспособности в условиях реорганизации национального страхового рынка.

Insurance market plays an important role in the economic development and has a special significance in the countries with economy of the transition period. In spite of its positive influence exerted on the development of national economy the level of insurance service spreading is still rather low. The paper considers main results of the activity of the Belarusian insurance organizations. Usage of statistic evaluation methods makes it possible to break them in separate groups. The conducted analysis of organizations' financial flows (receipts, payments and profits) for the period of 2005–2007 testifies to their dynamic development. Economic management subjects of non-state ownership take leading positions in this matter.Further growth of commercial insurance market greatly depends on the government efficiency to regulate the given sphere of activity. Removal of existing negative factors including creation of equal competitive conditions for all participants of the market, its demonopolization, will favor its development. ; Рынок страхования играет важную роль в экономическом развитии и является особенно значимым для стран с переходной экономикой. Несмотря на его положительное влияние, оказываемое на развитие национальной экономики, уровень распространения страховых услуг остается низким. Рассматриваются основные результаты деятельности белорусских страховых организаций. Использование статических методов оценки позволяет разбить (сгруппировать) их на отдельные группы. Проведенный анализ финансовых потоков организаций – поступлений, выплат и прибыли за период 2005–2007 гг. – свидетельствует об их динамичном развитии. Лидерами выступают субъекты хозяйствования негосударственной формы собственности.Дальнейший рост рынка коммерческого страхования во многом зависит от эффективности государственного регулирования данной сферы деятельности. Устранение существующих негативных факторов, включая создание равных конкурентных условий для всех участников рынка, его демонополизации, будет способствовать его развитию.