АНАЛИЗ РЫНКА СТРАХОВЫХ УСЛУГ В РОССИИ: ПРОБЛЕМЫ, ПЕРСПЕКТИВЫ

Abstract

The economic security of the company can be determined by analyzing the Russian insurance market. It is stated that over the past few years, the Russian insurance market has not escaped many problems related to economic fluctuations and sanctions, as has the entire economy of the country. Based on the analysis of various sources, the article substantiates the relevance of the problem, identifies the special role of new-level information systems with artificial intelligence and a distributed registry for the exchange of digital financial assets in the service market, and attempts to determine the financial stability of the Russian insurance market. It has been established that the insurance market in Russia in recent years shows that it has gone through a period of significant changes and adaptation to new economic conditions. The author suggests various areas and types of insurance that ensure the growth of the Russian market for these services. In general, the Russian insurance market demonstrates stability and readiness for change. Despite the challenges, it continues to develop, adapting to new economic realities and maintaining the potential for growth and development. Forecasts for the coming years suggest moderate growth and further development of the market in accordance with global trends and the internal needs of the economy. An important aspect is the further improvement of the regulatory framework, which will strengthen confidence in the market and create conditions for its further prosperity. Insurance services in this market are offered only by insurance companies. In this regard, based on the analysis of the activities of various companies, various approaches have been identified to assess the level of efficiency of the insurance market, as well as to assess the availability of conditions for the formation of this market and assess their possible impact on the economy of the region. So, for the insurance services market, state regulation of insurance activities is of particular importance, which involves mandatory licensing, to monitor the financial stability of insurance organizations. It is proved that the sustainable development of companies is impossible without including the social component of sustainable development in the investment decision-making process for better risk and profitability management. It is concluded that today the Russian insurance market continues to function in conditions of economic instability and sanctions pressure.