Insurance risk-management in the countries with transitive economy
12 May 2008Problems of insurance risk-management development in the Russian conditions draw attention of scientific researchers and statutory acts’ and insurance conceptual documents’ developers. The given material represents attempt to consider a problem insurance risk-management on the basis of experience of Russia and the CIS countries.
During the “Soviet” stage of the development the insurance market in territory of the former USSR existed in the «government» form: exclusive suppliers of insurance services were represented with one state insurance company. During this stage a leading part in system of insurance relations, which basic participants were of insurance services consumers, suppliers and the state. The priority was given its interests, first of all, to “fiscal” interests. The insurance market of the USSR was, mainly, the fiscal mechanism accumulated financial resources in the state budgets of different levels and in passing quite successfully solved problem of risks protection.
After disintegration of the USSR the state became the only «market force» in system of insurance attitudes, which settled its own approaches. These were the approaches, which could not develop and were out of the so-called “market forces”: insurers and insurants.
It is represented, that in the countries with transitive economy the organization of interaction between consumers of services on insurance the risk-management and insurers now substantially depends on “uncertainty of the future”, which represents an essential basis of market behavior of the basic insurance market participants.
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