ОСНОВНІ ЗМІНИ В ДЕРЖАВНОМУ РЕГУЛЮВАННІ ДІЯЛЬНОСТІ СТРАХОВИХ КОМПАНІЙ: ПЕРЕДУМОВИ ТА ЇХНІ НАСЛІДКИ

Abstract

At the present stage of the existence of insurance in Ukraine there are a number of obstacles to the active and rapid development and spread of the population. The main reason is the weak legal framework for regulating insurance activities in Ukraine. In a market economy, the legal framework and the dynamics of its improvement are extremely important for the effective functioning and dynamic development of insurance companies. It is also important to understand that currently only compulsory types of insurance are developed in Ukraine, and voluntary insurance is less popular. It is at the legislative level that this trend can be reversed by introducing appropriate legislation that will not burden the population financially, but will build a foundation for reliable insurance protection and development of insurance companies. The importance of studying changes in the legal framework and regulating insurance activities from the standpoint of reconciling the interests of all participants in insurance activities determines the relevance of the chosen topic. The article examines the main changes in the state regulation of insurance activities in Ukraine, and innovations in the legislation. Many important changes have been made in the field of insurance over the last few years. The body of supervision and regulation of insurance activity was changed, the process of supervision over the activity of insurance companies was improved. Attention is focused on the changes that will have the greatest impact on the activities of insurance companies. Namely, the changes in legislation that in the future may lead to radical changes in the field of insurance. The main problems in the state regulation of insurance activities are identified. At the present stage of development of the insurance industry, we are entering an era when people are beginning to realize the need for insurance in various spheres of life. However, the legal framework was not ready for such a rapid development and in the processes of active development there were weaknesses, such as low insurance coverage of clients, and a difficult procedure for obtaining insurance benefits. An analysis of the main innovations and their impact on the activities of insurance companies in the future. Ways to solve problems and improve the legal framework are proposed.