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The insurance that іnvestitsіyny management - VG Fedorenko

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Renaissance fіnansovo-credit that іnvestitsіynogo rinkіv - obov'yazkova Umov efektivnostі іnvestitsіynoї dіyalnostі in Ukraїnі on Suchasnyj etapі rozvitku Economy. Ekonomіchnogo pіdsilennya th aktivnostі іnvestitsіynoї dіyalnostі mozhna dosyagti tіlki Shlyakhov stvorennya kapіtalu market analysis. Sub'єktami kapіtalu market analysis, okrіm bankіv. Povinnі Why strahuvachі minutes. Rozvitok strahovoї Spravi bude korisnim for virіshennya problemi іnvestitsіy.

For vihodu Economy Kraina s krizovoe become that for її stabіlіzatsії potrіbna obґruntovana іnvestitsіyna polіtika powers i neobhіdno stvoriti spriyatlivy іnvestitsіyny klіmat. "Znizhennya іnvestitsіynoї aktivnostі vіdbuvaєtsya access in all Jerel іnvestuvannya" *. The reason for decline - znizhennya pributkovostі, vіdsutnіst nalezhnogo virobnichogo rozvitku, nenalezhne vikoristannya amortizatsіynih vіdrahuvan. Slіd vrahovuvati takozh, scho i fіzichna morally starіst virobnichih fondіv becoming blizko 60-70% **. Such znoshenіst fondіv zagrozhuє rіznomanіtnimi avarіyami i catastrophes, scho prizvodyat to victims lyudskih i pripinennya gospodarskoї dіyalnostі.

Іnvestitsії povinnі viperedzhati Tempi zrostannya GDP to priskorene zrostannya іnvestitsіy Je peredumovoyu ekonomіchnogo rozvitku. Sered obov'yazkovih zahodіv takozh - zaluchennya vneskіv population and tse mozhlive tіlki for zmіtsnennya Dovira minds. One іz shlyahіv zmіtsnennya takoї Dovira - strahuvannya usіh vneskіv scho potrebuє rozvitku strahovoї right.

* Lukіnov I. I. Іnvestitsіyna dіyalnіst in zabezpechennі stabіlnogo rozvitku // Staff - 2000. - № 1. - dodatok № 2. - P. 20. ** There itself.

In kraїnah s rozvinutoyu ekonomіkoyu insurance right Nabeul chimalogo rozmahu, Won zabezpechuє nadіynu receptionists іnteresіv pіdpriєmtsіv od nespriyatlivih naslіdkіv rіznomanіtnogo old technogenic avarіy, fіnansovih rizikіv, krimіnogennih chinnikіv, stihіynih that іnshih lih. Pozayak dіyalnіst minds in market analysis suprovodzhuєtsya rіznomanіtnogo old rizikami, ninі character i funktsії strahuvannya in Ukraїnі printsipovo zmіnyuyutsya, zrostaє yogo yak efektivnosti values, ratsіonalnogo, ekonomіchnogo i Zahist available zasobu Mainova іnteresіv sub'єktіv gospodaryuvannya, virobnikіv tovarіv i poslug and takozh Zahist gromadyan. Tom strahuvannya potrіbno rozglyadati yak warehouses Chastain іnvestitsіynogo processes in koli power nakopichennya koshtіv, neobhіdnih for viplati INSURANCE vіdshkodu-wan.

Yak i just in gospodarska dіyalnіst, strahuvannya potrebuє upravlіnnya. Against insurance right Got pevnі osoblivostі scho yogo vіdrіznyayut od іnshih vidіv gospodaryuvannya. Tsі osoblivostі polyagayut in fact, scho: insurance dіyalnіst viznachaєtsya in Ukraїnі yak vinyatkova dіyalnіst i reglamentuєtsya vіdpovіdnim Law of Ukraine *.

Otzhe, nayvazhlivіshy pokaznik dіyalnostі strahuvachіv Je obsyag INSURANCE platezhіv i fіnansovo-rezultativnі pokazniki. Vazhlivim moment at protsesі gospodarskoї dіyalnostі of companies Je pributki, ale pributki in tsіlomu on kraїnі i have bіlshostі Galuzo znizhuyutsya. So in 1995 p. pributki on vsіh Galuzo becomes - UAH 18.806 billion, at 1996 r. - 14418, in 1998, p. - 3419 **. Pributki in tsіlomu on kraїnі postіyno zmenshuvalisya. On tsomu tlі strahuvannya Got privablivy viglyad іnvestora, pributki yakogo postіyno zbіlshuyutsya. For naochnostі skoristaєmosya not by pokaznikami pributkіv and їh іndeksami. Porіvnyaєmo іndeks pributku in tsіlomu on Gospodarstwa s іndeksom pributku in strahuvannі: from 1996 r. (At tsіlomu on kraїnі th at strahuvannі, vіdpovіdno) - 76.7% 169.5% i; at 1997 p. - 96.2% 223.9% i; in 1998 i r.- 24.7% 189.5% ***. Analіzuyuchi otrimanі danі, dіydemo visnovku, scho, nezvazhayuchi declining pributku in tsіlomu have strahuvannі vіdbuvalosya zrostannya obsyagіv pributku. A tse oznachaє, scho Tsei segment market analysis on

* The Law of Ukraine "About strahuvannya" od 1996 roku 7 Bereznev number 86/96-BP. ** Randomness schorіchnik Ukraine for 1998 Year / Derzhkomstat Ukraine; For Ed. OG Osaulenko; Vіdp. for VIP. VA Golovko. - K .: Tehnіka, 1999. - 576 p. *** Stepanov DV INSURANCE rinok Ukraine: pp 1995-1998. // Fіnansovі Hotel. - 2000. - № 1-2. - S. 17-19.

CCB rozvitku. Hoch in the I pributki strahuvannі ninі not takі, porіvnyano s GDP znachnі against nedootsіnyuvati strahuvannya yak іnvestora not mozhna.

In kraїnah іz rozvinutoyu rinkovoyu ekonomіkoyu strahuvachі bіlshu Chastain pributku oderzhuyut not od strahovoї dіyalnostі and od іnvestitsіynoї. HEAD zavdannya strahuvachіv for - zbіlshiti Quantity strahuvalnikіv i vikoristati zіbranu Strakhov premіyu for іnvestitsіynoї dіyalnostі *.

Bazilevich VD, Bazilevich KS Strahova right. - K .: Tovaristvo "knowledge", the CCW, 1997. - S. 32.