Conclusion

The materials studied in the process of preparing this work allow us to conclude that the need for the systematic development of the insurance market and its transformation into a civilized one still remains relevant. To do this, in my opinion, first of all it needs to be regulated. To this end, the state must promptly resolve issues with legislative framework, taxation, ensuring the protection of the interests of the policyholder, and, most importantly, ensuring the profitability of insurance for citizens.

Very important, in my opinion, is a thoughtful approach to the financial capabilities of insurance companies, especially in matters of maintaining their solvency. The adopted changes in the procedure for the formation of insurance reserves, unfortunately, do not allow them to be accumulated, which significantly undermines the solvency of insurance organizations. Therefore, practically the only way to maintain the solvency of insurance organizations is to increase their own funds, which does not always correspond to the interests of the founders, since it is often possible only to the detriment of the latter.

Various problems in the development of insurance in Russia can be successfully resolved if there is an appropriate level of economic thinking and the availability of highly qualified personnel.

The presented work expresses my personal perception of the problem under consideration.

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Basic literature

Insurance: Textbook/Ed. Fedorova T.A. –M.: Economist, 2011.

Shakhov V.V. Insurance: Textbook. – M.: UNITY-DANA, 2012.

Serbinovsky B.Yu., Garkusha V.N. Insurance business: Textbook. –Rostov-on-Don: Phoenix, 2010.

Spletukhnov Yu.A., Dyuzhikov E.F. Insurance: Textbook. –M.: INFRA-M, 2009.

Collection of problems on the economics of insurance / Babenko I.V., Babenko N.V. – Krasnodar: KubSU, 2009.

Insurance: Guidelines and control works / Babenko I.V., Babenko N.V. – Krasnodar: KubSU, 2009.

Sakhirova N.P. Insurance: Textbook. – M.: TK Velby, Prospekt, 2009.

Yuldashev R.T. Insurance business: Dictionary-reference book. – M.: Ankil, 2005.

Insurance: Textbook/Ed. Ryabikina V.I. – M.: Economist, 2009.

Balanova T.A., Alyokhina E.S. Collection of problems on insurance: Textbook. – M.: TK Velby, Prospekt, 2010.

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Gomel V.B. Insurance: Textbook. – M.: Market DS, 2010.

Insurance: Textbook/Ed. Chernova G.V. – M.: TK Velby, Prospekt, 2011.

Further reading

Civil Code of the Russian Federation. Part two. Section IV. Chapter 48 “Insurance” dated January 26, 1996 No. 14-FZ.

Law “On the organization of insurance business in the Russian Federation” No. 4015-1 of November 27, 1992 (as amended by subsequent amendments and additions).

Law of the Russian Federation “On compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel and employees of federal tax police bodies” dated March 28, 1998 No. 52-FZ//Insurance business. 1998. No. 6.

Law of the Russian Federation “On compulsory social insurance against accidents at work and occupational diseases” dated July 24, 1998 No. 125-FZ.

Law of the Russian Federation “On compulsory pension insurance in the Russian Federation” dated December 15, 2001 No. 167-FZ.

Law of the Russian Federation “On compulsory insurance of civil liability of owners vehicles" dated 25 2002 No. 40-FZ.

Law of the Russian Federation “On insurance of deposits of individuals in banks of the Russian Federation” dated December 23, 2003

Shakhov V.V. Introduction to insurance. –M.: Finance and Statistics, 2009.

Shikhov A.K. Insurance: Textbook. –M.: UNITY-DANA, 2010.

Insurance portfolio / Rep. ed. Rubin Yu.B., Soldatkin V.I. –M.: SOMINTEK, 2008.

Balabanov I.T., Balabanov A.I. Insurance. – St. Petersburg: Peter, 2011.

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Insurance in questions and answers: Textbook/Compiled by Basakov M.I. –Rostov-on-Don: Phoenix, 2009.

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Gvozdenko A.A. Fundamentals of Insurance: Textbook. – M.: Finance and Statistics, 2008.

Efimov S.L. Encyclopedic Dictionary. Economics and insurance. – M.: Zerich-PEL, 1996.

Ryabikin V.I., Tikhomirov S.N., Baskakov V.N. Insurance and actuarial calculations. – M.: Economist, 2009.

Kulikov S.V. Financial analysis of insurance organizations: Textbook. – Rostov-on-Don: Phoenix; Novosibirsk: Siberian Agreement, 2009.

Internet sources

www.strahovanie.ucoz.ru

www.insur-info.ru

www.insuranceisrael.com

www.prostrahovanie.ru

www.allinsurance.ru

www.e-commerce.ru

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