Suchergebnisse

Klapkiv Y.M., Svirskyi V.S., Shchur R.I. THE ANALYSIS OF CURRENT TRENDS IN THE INSURANCE SEGMENT OF THE FINANCIAL MARKET OF UKRAINEPurpose. Analysis of the state of the insurance services market of Ukraine, identification of the main problems of its development in modern conditions and determination of directions for improving the functioning of the insurance services market in Ukraine.Methodology of research. The scientific and methodological basis for the article are scientific works, monographs, materials of professional publications, Internet resources. During the research the methods of analysis and synthesis, system-functional method and method of comparative studies were used, with the help of which most modern tendencies, phenomena and processes in the market of insurance services are explained.Findings. The article is devoted to current trends of the insurance in Ukraine. The study examines the main trends in its development during 2016-2020. The dynamics of the number of insurance companies, the main indicators of insurers, the structure of gross and net insurance premiums of domestic insurers, reinsurance indicators are analyzed. Based on a dataset of Ukrainian insurance industry, we analyse the impact of transformation of the insurance sector. Based on the analysis, the main problems of the insurance services market of Ukraine are identified and proposals for improving its development are formulated. The results illustrate major tasks the industry is facing: enhancing the customer experience, improving its business processes, offering new products, and preparing for competition with other industries, imperfection of regulatory regulation of the insurance sector; underdevelopment of the life insurance segment and other types of insurance (agricultural, environmental, catastrophic risks and life insurance, cyber risks); low solvency of potential consumers of insurance services, low level of capitalization of insurance companies, lack of insurance culture, distrust of the insurance institution; fraud and neglect of the rights of policyholders by some insurance companies; low financial literacy of policyholders. Moreover, we identify key areas of change of the insurance services market of Ukraine: creation of a centralized online database of insurance contracts; improving the system of taxation of insurance activity; adaptation of Ukrainian legislation in the field of insurance to EU legislation; introduction of high technologies in insurance services; improvement of marketing management; creation of an export insurance system by establishing a special organization for export insurance and financing; introduction of insurance culture and traditions.Originality. A comprehensive approach to the analysis of the state of the insurance market as an important component of the financial sector of the economy with most of its inherent characteristics, functions and principles; economic space in which institutional units for the implementation of insurance services interact; a set of orderly cash flows between the subjects of the insurance market.Practical value. The results of the study can be the basis for further research to systematically address practical problems in this area, development and implementation of measures aimed to achieve accelerated progressive development of the insurance market to ensure socio-economic growth.Key words: insurance, insurance services, insurance services market.

The current situation on the Ukrainian labour market is not only characterised by a high rate of unemployment, but also by low‑wage jobs with relatively severe requirements from potential employers. The intensive labour migration from Ukraine is forced by factors such as lower standards of living when compared to the standards in neighbouring countries, the flexibility of changing the place of living and working, and the military crisis in the eastern parts of Ukraine, among others. The article is devoted to the policy on the return of labour migrants to Ukraine. The issues of the increasing number of asylum seekers arriving from Ukraine to other European countries from 2008 to 2017, and the analysis of the main migration trends and legal norms relevant to the migration issues have revealed the mismatch in directions of labour migration flows from Ukraine and boundary crossings by other migrants. By means of analysing the interaction between the rate of human development and the efficiency of migrant integration policies, the authors have proposed several strategic tools to ease the return of the labour force to Ukraine, including the cessation of military actions, raising the level of economic progress, fighting corruption, expanding opportunities for small and medium‑sized businesses, and solving environmental problems. ; Współczesny rynek pracy na Ukrainie charakteryzuje się nie tylko wysokim poziomem bezrobocia, ale i stosunkowo niewysokim wynagrodzeniem przy rygorystycznych wymaganiach ze strony potencjalnych pracodawców. Powoduje to intensywną zarobkową migrację z Ukrainy, uwarunkowaną: niższym poziomem życia na tle państw sąsiednich; elastycznością zmiany miejsca zamieszkania i pracy; kryzysem militarnym we wschodniej części Ukrainy itp. Artykuł poświęcony jest polityce powrotu migrantów zarobkowych na Ukrainę. Przeprowadzona analiza ilościowa ubiegających się o azyl Ukraińców w krajach europejskich od 2008 r. do 2017 r. oraz analiza podstawowych trendów migracyjnych i norm prawnych związanych z kwestiami migracji, uzasadniły niezgodność między kierunkami migracji zarobkowej Ukraińców i klasycznych migrantów. Poprzez analizę wzajemnego inspirowania tempa rozwoju człowieka i skuteczności polityki integracji migrantów, współautorzy zaproponowali kilka strategicznych narzędzi ułatwiających powrót siły roboczej na Ukrainę, które obejmują: zaprzestanie działań wojskowych, podniesienia poziomu rozwoju gospodarczego, zwalczanie korupcji, zwiększanie możliwości dla małych i średnich przedsiębiorstw oraz rozwiązywanie problemów środowiskowych.

The current situation on the Ukrainian labour market is not only characterised by a high rate of unemployment, but also by low-wage jobs with relatively severe requirements from potential employers. The intensive labour migration from Ukraine is forced by factors such as lower standards of living when compared to the standards in neighbouring countries, the flexibility of changing the place of living and working, and the military crisis in the eastern parts of Ukraine, among others. The article is devoted to the policy on the return of labour migrants to Ukraine. The issues of the increasing number of asylum seekers arriving from Ukraine to other European countries from 2008 to 2017, and the analysis of the main migration trends and legal norms relevant to the migration issues have revealed the mismatch in directions of labour migration flows from Ukraine and boundary crossings by other migrants. By means of analysing the interaction between the rate of human development and the efficiency of migrant integration policies, the authors have proposed several strategic tools to ease the return of the labour force to Ukraine, including the cessation of military actions, raising the level of economic progress, fighting corruption, expanding opportunities for small and medium-sized businesses, and solving environmental problems.

The current situation on the Ukrainian labour market is not only characterised by a high rate of unemployment, but also by low‑wage jobs with relatively severe requirements from potential employers. The intensive labour migration from Ukraine is forced by factors such as lower standards of living when compared to the standards in neighbouring countries, the flexibility of changing the place of living and working, and the military crisis in the eastern parts of Ukraine, among others. The article is devoted to the policy on the return of labour migrants to Ukraine. The issues of the increasing number of asylum seekers arriving from Ukraine to other European countries from 2008 to 2017, and the analysis of the main migration trends and legal norms relevant to the migration issues have revealed the mismatch in directions of labour migration flows from Ukraine and boundary crossings by other migrants. By means of analysing the interaction between the rate of human development and the efficiency of migrant integration policies, the authors have proposed several strategic tools to ease the return of the labour force to Ukraine, including the cessation of military actions, raising the level of economic progress, fighting corruption, expanding opportunities for small and medium‑sized businesses, and solving environmental problems. ; Współczesny rynek pracy na Ukrainie charakteryzuje się nie tylko wysokim poziomem bezrobocia, ale i stosunkowo niewysokim wynagrodzeniem przy rygorystycznych wymaganiach ze strony potencjalnych pracodawców. Powoduje to intensywną zarobkową migrację z Ukrainy, uwarunkowaną: niższym poziomem życia na tle państw sąsiednich; elastycznością zmiany miejsca zamieszkania i pracy; kryzysem militarnym we wschodniej części Ukrainy itp. Artykuł poświęcony jest polityce powrotu migrantów zarobkowych na Ukrainę. Przeprowadzona analiza ilościowa ubiegających się o azyl Ukraińców w krajach europejskich od 2008 r. do 2017 r. oraz analiza podstawowych trendów migracyjnych i norm prawnych związanych z kwestiami migracji, uzasadniły niezgodność między kierunkami migracji zarobkowej Ukraińców i klasycznych migrantów. Poprzez analizę wzajemnego inspirowania tempa rozwoju człowieka i skuteczności polityki integracji migrantów, współautorzy zaproponowali kilka strategicznych narzędzi ułatwiających powrót siły roboczej na Ukrainę, które obejmują: zaprzestanie działań wojskowych, podniesienia poziomu rozwoju gospodarczego, zwalczanie korupcji, zwiększanie możliwości dla małych i średnich przedsiębiorstw oraz rozwiązywanie problemów środowiskowych.