THEORETICAL AND METHODOLOGICAL PRINCIPLES OF INVESTMENT RISKS INSURANCE IN THEIR MANAGEMENT SYSTEM

Анотація

The article elaborates theoretical and methodological principles and practical recommendations for improving the investment risk management system through the use of insurance mechanisms. It was determined that the management of investment risks is an important prerequisite for ensuring the effective functioning of business entities and the economy in general. It has been established that investment risk management involves forecasting the possibility of the occurrence of potentially risky events. This makes it possible to take timely measures to prevent or reduce the degree of consequences from a risk that cannot be localized. It is noted that investment risk insurance is a fairly popular method of risk management in developed countries. This method is one of the most complicated and problematic types of insurance. The essence of investment risk insurance is to protect the property interests of business entities in the event of an insured event by special insurance companies at the expense of monetary funds, which they form by receiving insurance premium contributions from the insured. It has been established that an effective option for minimizing investment risks is the combination of two universal methods: self-insurance in the form of reserving and insurance. It is noted that the complex use or combination of the above methods allows to increase the economic security of the implementation of risky investment projects and to achieve and further maintain an acceptable level of risks of investment activities of economic entities. Monitoring the results of risk management through insurance involves monitoring compliance with the insurance program and promptly making changes to the risk strategy of the investment project in case of unsatisfactory results. The complex use or combination of the methods and tools presented in the work allows to increase the economic security of the implementation of risky investment projects, as well as to achieve and further maintain an acceptable level of risks in the financial and investment activities of the economic entity.

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