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Trends of Development of the Market of Insurance Services in Russia
The article showed the value of development of insurance. Now insurance acts as one of major factors of development of economy. Its role, first of all, consists in creation of the conditions of «productive business» stimulating businessmen to pursue more active policy on introduction of innovations, protecting their activity from adverse effects of innovative risks. In article authors showed that insurance realizes the key task and forms the effective system guaranteeing insurance protection of property interests of clients in Russia. Authors designated the purpose of development of the insurance market which consists in every possible assistance to development of the insurance sphere, to its transformation into strategically significant sector of the state economy. Authors also studied the existing types of insurance in Russia and gave their characteristic; considered the main approaches treating essence of the insurance market. In article authors carried out the analysis of strong and weak sides of development of the market of insurance of Russia, defined threats and possibilities of its development and reflected offers on insurance development – use of foreign experience and active introduction of innovations in insurance activity. So, it is also necessary for further successful development of the Russian insurance market: increase in dimensional indicators on the basis of stimulation of demand for insurance products and services; change of structural disproportions owing to reduction of specific weight of obligatory types of insurance in the general contributions; growth of efficiency of activity of insurance companies on the basis of competition development. Authors noted that investment life insurance acts as the main factor of development of the Russian insurance market. This insurance product combining life insurance of the client and a financial instrument gives the chance to gain income. On the basis of the carried-out analysis authors presented expected indicators of development of the insurance market of Russia on prospect.
Insurance market, insurance development purpose, types of insurance, innovations in the insurance market, grocery innovations
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Section of issue
Digitalization of Economy and Management
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