Keyword: «insurance market»

The author discusses the problems and prospects of modernization of the insurance market as a part of innovative development of the Russian economy. The author reveals the nature of innovation activities in the business and its impact on the development of the domestic economy.

The paper deals with the importance of insurance development in the formation of the financial system of society. The technique of estimation of insurers’ financial stability on the basis of relative performance is presented. The operation of insurance companies operating in Russian economic system: Drilldown "Ingosstrakh", JSC "SOGAZ" CAO "FAC" is studied. The measures designed to improve the financial and economic activities of insurers are offered.

The article shows the importance of marketing and its tools in Russian Federation insurance sphere. Well-known marketing insurance combination is presented. Due to the advertising Russian insurers work has been analyzed. The opportunity of state-private partnership application within the insurance system is revealed.

In the article modern problems of Russian insurance market functioning are considered, some features of its development in crisis economy are revealed. The necessity and importance of insurance as a social and economic factor of any civilized society stable development is substantiated. The authors present statistics describing the Russian insurance services market dynamics and information on the insurance services market development.

The purpose of the article is to assess the state of insurance in Russia at the present stage from the position of the insurance risks inherent in our country. The insurance market of Russia continues to develop dynamically. However, the main difference of our country from the majority of economically developed countries is that the most significant risks are practically not insured (in general, the share of insured risks is no more than 15% of real insurance risks). Obstacles to the active development of domestic insurance are: the inertia of economic processes in the country; insufficient study and forecasting of insurance risks and, as a result, poor development of insurance products that correspond to risks; lack of informational openness of insurers (especially in the regions); lack of thoughtfulness of ensuring the economic interests of individual insurers in adequate insurance services; weak competitive environment in regional insurance markets; high polarization of the social strata of the population (as a result, the inaccessibility of insurance services to a significant part of the population).