Анализ страхового рынка в Российской Федерации и тенденции его трансформации

Abstract

Objective: To characterize the evolution of the insurance market in the Russian Federation and analyze its current state. To determine the evolution features and trends of the insurance market in Russia and provide its advanced model. To identify opportunities and threats, as well as the cur-rent problems of the evolution of the Russian insurance market. Methods: Comparison of the char-acteristics of the state and evolution of insurance markets around the world. Analysis of statistical data from official sources of the Bank of Russia and changes in the insurance market measures. As-sessment of market concentration using traditional methods of industry markets analysis. Results: It has been established that in economically developed countries the insurance market is character-ized by monopolistic competition. The specific forms of competition in the insurance market have been classified. The evolution features and trends of the Russian insurance market have been re-vealed. In view of the existing evolution trends, an advanced model of the Russian insurance mar-ket has been determined, and the opportunities and threats for the future market condition have been characte¬rized. Practical importance: The study findings may be of interest to state structures regulating the insurance market of the Russian Federation, since the increased attention of regula-tors to the Russian insurance market in connection with the threat of its monopolization requires preventive measures as regards the antimonopoly policy and close monitoring of the insurance market changing state. A more detailed analysis of individual territorial and product segments of the Russian insu¬rance market well have to be conducted.