СТРАХОВІ ФОНДИ ЯК ДЖЕРЕЛА ІНВЕСТУВАННЯ ЕКОНОМІКИ УКРАЇНИ

Abstract

The article is devoted to the development of theoretical approaches and the improvement of practical tools for forming, the development and evaluation of the prospects for insurance investment in the economy of Ukraine. Among the main functions of insurance there is an investment function. It is noted that the additional investment function of insurance in the minds of the market mobilizes savings for the development of the national economy. It is stated that insurance reserves contain financial resources with various possibilities for investment recovery arising from the terms of contracts for various types of insurance, from long-term to shortterm. It is determined that to ensure the investment activity of an insurance company, the most important ones are life insurance reserves, which form a long-term basis. The important concept of insurance investment as the purpose of direct investment of insurance reserves, emergency reserves, and the power capital of insurance companies is defined in all forms in various objects and instruments such as and bring income through the withdrawal of profits and (or) the attainment of another beneficial effect. When examining the investment activities of insurance companies, two groups of problems were seen. The first group of problems is associated with the analysis of the investment potential of the Ukrainian insurance sector of the economy in line with various market economic models. Another group of problems is associated with the analysis of the results of investment activity in the insurance sector of the economy. As part of the investigation of the first group of problems, the relationship between insurance premiums and GDP in Ukraine and other countries was analyzed and it was determined that the level of insurance penetration in Ukraine is low. The indicators of the number of insurance companies and their assets were analyzed and it was determined that in Ukraine the trend towards a reduction in the number of insurers will continue. The basis for the investigation of another group of problems was the assessment of the investment activity of insurance companies from the position of investment of insurance reserves and capital assets of insurance organizations in investment instruments mentee. The structure of insurance assets in Ukraine has been analyzed and it has been determined that the structure of allocation of insurance reserves in investment assets is impossible to ensure high profitability. It has been determined that the investment funds that are currently being raised by insurance companies, with the placement of insurance reserves and capital assets, will not be directed directly to the stock market and investment programs that can reduce investment economy, and mainly refer to the banking sector of the economy. The opportunity to invest in the insurance sector of the economy has been restored, which will contribute to the development of the national economy.