Abstract
At the present stage, there is a further development of the insurance market, which is associated with the integration processes taking place on it, affecting the participants of insurance activities. The changes observed in various segments of the economy lead to increase in various risks and increase the need for insurance services. In Russia, one of the problems is a small set of proposed insurance services, which affects the development of the insurance market. The purpose of the article is to assess the current state of the insurance services market in Russia and identify problems arising in its functioning. The research methodology consists in the synthesis and comparison of data characterizing various components of the insurance services market. The authors identify the trends that have developed on the market of insurance in Russia, assesses the current situation according to different criteria, revealed the factors of development of insurance business, as well as the problem aspects of the insurance industry. The study showed the presence of high dependence of insurance in Russia on the prevailing political and economic way of life here, which led to the domination of demand for certain insurance products. As a result, it can be noted that the development of the modern market of insurance is associated with the need for state support, which consists in creating conditions for the adequate functioning of the insurance market. The authors substantiate the need to develop an insurance ideology and bring its essence to the population.
Highlights
The purpose of the article is to assess the current state of the insurance services market in Russia and identify problems arising in its functioning
The authors identify the trends that have developed on the market of insurance in Russia, assesses the current situation according to different criteria, revealed the factors of development of insurance business, as well as the problem aspects of the insurance industry
The study showed the presence of high dependence of insurance in Russia on the prevailing political and economic way of life here, which led to the domination of demand for certain insurance products
Summary
The purpose of the article is to assess the current state of the insurance services market in Russia and identify problems arising in its functioning. No 4015-1 «Об организации страхового дела в Российской Федерации» страхование — это «отношения по защите интересов физических и юридических лиц, Российской Федерации, субъектов Российской Федерации и муниципальных образований при наступлении определенных страховых случаев за счет денежных фондов, формируемых страховщиками из уплаченных страховых премий (страховых взносов), а также за счет иных средств страховщиков»1. Страхование они рассматривают как отношения, целью которых является компенсация ущерба (дополнительной потребности в средствах) при наступлении страхового случая путем раскладки ущерба на основе формирования и использования целевого фонда.
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