INSURANCE MARKET OF UKRAINE: PROBLEMS AND WAYS OF THEIR OVERCOMING

Анотація

This article analyzes the problems and their causes that hinder the development of the Ukrainian insurance market. The place of the insurance market of Ukraine in the world insurance market is analyzed. The potential of the domestic insurance market and problems of its development are shown. Comparatively the insurance market of Ukraine and other developed countries. urrent trends in education in the insurance field in Ukraine are studied. The essence, tasks and forms of education as the major factors of the society insurance culture are discussed. Reasons and problems which brake insurance market of Ukraine development have been analysed and their systematization has been offered. Ways of the solution of problems of insurance market development of Ukraine have been indicated. It is offered the methodology of complex estimation of the state of the market competitiveness of insurance services for the introduction of the effective strategy of interaction at the market and with the purpose of the legislative and macroeconomic regulation. It is shown that the competitiveness of insurance market can be probed by the system of quantitative estimations and criteria. The integral competitiveness index is introduced and his properties, limits of applicability and criteria, which must be satisfied by a market condition with optimal distribution of insurers and competition, are determined. It is argued that the increase of competition level is related to diminishing of insurance market admittance barrier, controlling of quality of assets and presence both lower and up limits of capitalization. The main risks identified by the insurance market in Ukraine are identified and grouped. Negative factors of influence on the insurance market have been identified. The ways of solving the problematic issues are outlined and the prospects for the development of the domestic insurance market are outlined. The problems in the specified field of research are systematized. Positive developments in this area have been identified. The main tasks for the implementation of the Insurance Market Development Strategy have been determined. Priority measures for improvement and further efficiency of development of the Ukrainian insurance market have been highlighted.

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