id: 26340
Назва: Problems of insurance market development in Ukraine
Автори: Prylutskyi А.
Ключові слова: insurance, insurance market, insurance companies, insurance payments, insurance premiums
Дата публікації: 2020-11-10 08:25:20
Останні зміни: 2020-11-10 08:25:20
Рік видання: 2020
Аннотація: The necessity of insurance market functioning as one of the national economy strategic sectors is discussed in the article. It is revealed that in addition to the implementation of the compensation function, insurance can greatly contribute to solving a number of state’s macroeconomic tasks by accumulating savings in the form of insurance premiums and turning them into investments. The estimation of insurance penetration level showed that modern insurance market of Ukraine is still at a rather low level of development. The main factors influencing the functioning of the insurance market in Ukraine are: the continuation of the military conflict in the country; restriction of consumer’s (insurers) effective demand due to the lower level of free income of the population and economic entities; devaluation of the national currency; loss of individual insurers’ deposits as a result of liquidation of a significant number of banking institutions; reduction of liquidity of the stock market, etc. Quantitative and qualitative analysis of the dynamics of the insurance companies main indicators of the performance showed that the Ukrainian insurance market the main indicators of development have a positive dynamics, but its functional and institutional characteristics in general do not correspond to the national economy real needs. It is established that at present, the effective functioning of the insurance market in Ukraine is hampered by the lack of a unified state strategy regarding the development of the insurance services market in the country. Among other factors we can name the following: instability of the economic situation in the state; low level of insurance culture and financial education of citizens and participants of the insurance market; lack of liquid financial instruments for effective investment policy; low level of capitalization of domestic insurers (insufficient capitalization of insurance companies makes it impossible to insure large-scale risks in the energy, environmental and financial spheres); delay in introducing of compulsory medical, agrarian and pension insurance with the participation of insurers; low level of services’ quality provided by individual insurers, etc.
Тип виданя: Статті у зарубіжних наукових фахових виданнях (Copernicus та інші)
Видавництво: Colloquium-journal. - Poland : Warszawa, 2020. - № 30 (82), Część 3. - Р. 28-35.
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Ким внесений: Адміністратор
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