СУЧАСНИЙ СТАН ТА ПЕРСПЕКТИВИ РОЗВИТКУ ПЕРЕСТРАХУВАННЯ В УКРАЇНІ

Abstract

The paper examines and emphasizes the need to rethink the concept of reinsurance, focusing on the demands placed on today's insurers, the task of a systematic and comprehensive analysis of the situation and basic indicators describing the current reinsurance market of Ukraine becomes extremely urgent, with the aim of identifying the main trends and features that stand out at the national level. The article reveals the economic necessity of reinsurance as an integral factor that determines the position of the insurance market, and emphasizes the need for its state regulation in Ukraine due to the rather narrow legislative provision, which does not allow to fully cover all the details related to this area. The main indicators related to the activities of reinsurers in Ukraine in 2017–2021 were analyzed, as a result of which it is possible to assert the presence of problems in the trends of the reinsurance market and the need to find and implement optimal ways to increase the financial security and stability of reinsurance participants. As a result of the assessment of the defining elements characterizing the development of the reinsurance market in the insurance market of Ukraine, it was determined that it depends to some extent on the negative factors of economic changes on the state background, as a result of which it is at the stage of uncertainty and periodic fluctuations in terms of the reduction of the number of insurance companies, the deterioration of the volume their received premiums and created reserves. The existing problems related to the imperfection of state regulation and difficulties in the economic and political background are outlined, and the prospects of reinsurance in Ukraine are formed, taking into account the opportunities and available advantages. If we talk about the minimization of the negative consequences that appeared due to the exacerbation of certain phenomena, the need to establish effective ways of overcoming the existing defects, taking into account the formed potential in the long term, becomes quite urgent. In the general summary of all the information presented, it is emphasized that the study of such a component of the insurance market as reinsurance, its role, determination of advantages and disadvantages and directions for its improvement is quite promising in view of the economic need of this category in the development of the activities of insurers and the economy of the country as a whole.