THESIS - Insurance market of Ukraine and its structure

THESIS

Insurance market of Ukraine and its structure

CONTENTS

Introduction .......................................................................................... 4

Part I. Theoretical Principles of the insurance market in Ukraine ........................................................................................... 7

1.1. State regulation of insurance market ............................. 7

1.2. Subjects and objects of Insurance .......................................... 16

1.3. Segments of the insurance market ................................................. 20

Section II. Analysis of the functioning of the insurance market of Ukraine at the present stage ........................................................................................... 26,

2.1. General characteristics of the insurance market in Ukraine and trends .......................................................................... 26,

2.2. Assessment of financial and economic performance of Ukraine's insurance market .................................................................. 28

Section III. Areas of improving the functioning of the insurance market in Ukraine ....................................................................................... 37

3.1. Problems and prospects of development of the insurance market of Ukraine .... 37

3.2. Foreign experience of the functioning of insurance markets ............... 40

Conclusions .................................................................................... 48

List of references ................................................... 51

Add ...................................................................................... 54

Tables , figures are present.

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Background research. The insurance market is one of the most important components of financial security. Without a developed insurance market can not ensure the ongoing socio-economic development of the country , the safe operation of businesses , improve living standards , securing different areas of his life.

Building a market economy through economic reforms , restoration of private foundations in economic management and the formation of private enterprise led to increased attention to the institution of insurance as socio -economic mechanism to protect business from the ravages of natural disasters , accidents , adverse changes in market conditions and more. In addition, these risk factors can affect material objects of life of individuals.

Judging analysis of history and modern development institute of insurance, it is a must every economic and social system of society. Without insurance system developed economy can not function successfully . Property insurance has become one of the main mechanisms of restoration of the property interests of persons in cases of unpredictable natural and other man-made phenomena, which positively affects the strengthening of public finance .

Particularly relevant is the problem of the formation and further development of the insurance market in countries with economies in transition , in particular to Ukraine , where the twenty-first century, there are dramatic changes in the economic system . Market transformation of the national economy lead to the need for scientific research and international insurance market development through the effective use of international experience in the insurance industry for the further development of the insurance market of Ukraine, which will ensure the successful implementation of economic reforms, sustainable development of the national economy, further integration into the world economy .

Investigating the development of insurance covers the economic, legal and social aspects and is essential both from theoretical and practical points of view.

Creating favorable conditions for the development of insurance in Ukraine needs a deep theoretical research and providing scientific advice which may be an important factor in the effective functioning of the national insurance market. Investigation of the mechanism using the powerful potential insurance market economy will fully use it in Ukraine .

An important contribution to the study of the theoretical and methodological principles of insurance made ​​by such scholars Ukraine and abroad as VD Bazylevych , O. Baranowski , NM Vnukovo , KG Roach , AA Hamankova , TE Hvarliani , OA Hvoz ¬ Denko , VB Gomellya , NB Gryschenko , OD Zaruba , A. Prong , MS Klapkiv , V. Kornieiev , LA Orlanyuk - Malicki, S. Osadets , VK Rayher , LI Reitman , TA Oral , AS Rudenko , VI Serebrovsky , KE Turbine , TA Fedorov , VV Shah , JP Shumelda , RT Yuldashev , S. Yuri S. Yanov and others.

However, there is still no well-established approach to determine the nature of insurance and its features and principles of the organization, formation and use of the insurance fund, informed analysis of the nature , needs, opportunities and real capacity of the insurance market, its segmentation and key trends. Many aspects of state regulation of the insurance market in theoretical and methodological terms explored enough. Ukraine lacks studies on ground of theoretical and methodological foundations of the insurance business. Are not sufficiently researched methodological approaches to motion estimation of financial resources and the financial condition of insurance companies, financial management and control . Few and extensive research to determine the strategic areas of the insurance market as a whole and its individual subjects.

Theoretical problems of formation and development of insurance of property relations in Ukraine not covered and require in-depth study that reinforces the relevance of the chosen topic.

The purpose and objectives of the study . The aim is to study the conditions for the effective functioning of the national insurance market in the period of market economy , the adaptation of international experience in the insurance industry in accordance with national circumstances, in Ukraine civilized development of the insurance market , which will ensure the successful implementation of economic reforms , sustainable development of the national economy , further integration into the world economy , the global economy and international relations.

Implementation research objective necessitates the following tasks:

1. Identifying the nature and functions of insurance in a market economy , the rationale for insurance coverage and the role of insurance categories in the system of economic relations ;

2. Insurance coverage structure and mechanism of interaction of its participants in a market economy ;

3. Definition from comparative analytical study of legal systems and legal methods of state influence on the insurance market is the main directions of improving national legislation and its adaptation and harmonization with European standards , improvement of methods and forms of state regulation of insurance in Ukraine ;

4. Organizing structure, assessment of the present status and development trends of the national insurance market in the transition to market-oriented economy , the definition of insurance forms and directions of activities that best meet the present socio-economic condition of the state and the needs of all market actors.

5. Characteristics of the international insurance market on macroeconomic indicators, covering practices in the insurance market economies for practical use in Ukraine ;

6. Generalization of learned material and to provide their comments on the areas of improving the functioning of the insurance market of Ukraine

Object is a set of financial and economic relations developed countries. Both in theoretical and in practical terms, research primarily focused on solving the most pressing problems and identify ways to develop insurance in Ukraine during the transition to an economy based on market-oriented adaptation of international experience in the insurance industry in accordance with the characteristics of the national market.

Purpose of the study - insurance in a market economy , ways to adapt international experience from the perspective of national interests of Ukraine.

The methodological basis of the study is the dialectical method of understanding , the method of theoretical and empirical analysis , method comparison macroeconomic and systemic approach to the study of economic processes and the aggregate financial and economic relations that arise concerning giving and receiving insurance coverage , comparative economic analysis and legal research.

Scientific novelty of the results is to justify the theoretical and methodological foundations and strategic development of the insurance market in Ukraine .

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