Аналіз сучасного стану страхового ринку України

Abstract

У даній статті проаналізовано стан національного страхового ринку України, розглянуто теоретичні основи ринку. Визначено сутність страхового ринку України, досліджено особливості його функціонування. Виконано структурний та динамічний аналіз основних показників страхового ринку за останні два роки. Розглянуто розповсюджені види страхування та проведено аналіз ключових елементів ринку за останні роки. Установлено проблеми розвитку страхового ринку України та запропоновано шляхи розв’язання цих проблем. Також були поставлені та виконані наступні задачі: розглянути соціально-економічну сутність страхового рину; розглянути проблеми та перспективи розвитку на страхового ринку. Отримано результати, у яких висвітлено напрями покращення роботи на страхового ринку.

The state of the national Ukrainian insurance market is analyzed in this article, and the theoretical foundations of the market and statistics are explored. In the work the essence of the insurance market of Ukraine is proved, and the features of its functioning are investigated. A structural and dynamic analysis of the main indicators of the insurance market for the last two years is carried out. General types of insurance are considered, and key elements of the market and their development in recent years are analyzed. Purpose. Most perspective types of insurance, which are developing according to the forecast, are defined and described. The problems of the development of the Ukrainian insurance market and its influencing factors are considered. Therefore, solutions to these problems are proposed. The main activities of an insurance company are insurance and reinsurance operations. In contrast to the markets of developed countries, the insurance markets of countries with economies in transition, such as Ukraine, are still developing. Result. In consequence of the analysis of the Ukrainian insurance market, it can be concluded that the term of insurance under the economic category refers to a certain type of economic relations with the organization of insurance protection. Through the creation and use of an insurance fund and through the resources of the insurer, the economy can be stabilized, risks can be distributed, and the needs of insurers can be met. Therefore, considering the difficult economic situation and the volatility of the environment, pressure on the insurance market is expected in the near future. It can appear as the further reduction of the solvency of some insurance services for consumers (both individuals and companies), and as a decrease in the liquidity and profitability of the insurers. Conclusion. The practical significance of the article is offering effective methods for improving the development of the Ukrainian insurance market. Also new service standards in this field and new insurance technologies are implemented to increase the market.