Development of risk types of insurance in Ukraine under conditions of uncertainty in the context of European integration
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Дата
2023
Науковий керівник
Укладач
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Анотація
The dominant direction of economic development in the 21st century is digital transformation, which is fundamentally changing all areas of economic activity, including the insurance market. However, there are additional turbulent conditions that also affect the functioning of the risk insurance sector, including economic restructuring, changes in the regulatory authority (in accordance with the law) and regulatory and legislative ensuring. Under such uncertainty, additional research is needed on modelling the development of risky insurance through the improvement of new insurance products, the development of which will have a positive impact on the formation of a competitive market of risk types of insurance in Ukraine in the context of European integration. In the course of the study, the main directions of development of the global risk insurance market are identified. The institutional and regulatory framework of Ukraine in the field of insurance is characterised. The main basic EU directives regulating insurance activities and aimed at maintaining a sufficient level of solvency of insurance companies and controlling it are identified. An analysis of the most common and significant global risk over the past three years is carried out. The impact of the insurance sector on the economic development of countries is analysed and an economic-mathematical model of the relationship between the volume of gross insurance premiums and gross domestic product is built. The peculiarities of the insurance market functioning under conditions of uncertainty are revealed. The main trends for the insurance sector in Ukraine in the context of digitalisation are presented. The dynamics of changes in the gross receipts of insurance payments (premiums, contributions) and insurance payments for risk types of insurance and life insurance in Ukraine are characterised. It is established that the Ukrainian insurance market is fundamentally different from the insurance market of other analysed countries, since the Ukrainian market is dominated by risk insurance, which accounts for more than 95% of the total volume of earned insurance premiums and insurance payments/compensations. The model of development of risk insurance in Ukraine is built.
Опис
Ключові слова
insurance, regulatory-legal ensuring, institutional support, European Union, Ukraine, development dominants, correlation-regression analysis, modelling
Бібліографічний опис
Current issues of the management of socio-economic systems in terms of globalization challenges: scientific monograph. – Košice: Vysoká škola bezpečnostného manažérstva v Košiciach, 2023.