Calculation of the index of prerequisites for the functioning of the European insurance space in the context of integration directions of Ukraine

Анотація

The object of research is the European insurance environment, which unites the national insurance markets of European countries, including Ukraine, and has significant regional development differentiation. One of the most problematic places for the development of the European insurance environment is the reduction of the influence of countries on their financial system and the non-permanent nature of development, where the law of uneven economic development manifests itself through various prerequisites for the functioning of national insurance markets.The current state of the Ukrainian insurance market are analyzed through quantitative indicators (the number of insurance companies, the dynamics of insurance premiums, the structure of net insurance premiums by type of insurance) and also because of the quality indicators (political, economic, social and technological components of the external environment). With the help of classical general scientific research methods, statistical processing methods, PEST analysis, the index method and the Pareto principle, it is found that the functioning of the insurance market of Ukraine at the present stage does not have a stable growth dynamics. This is due to a number of political, economic, social and technological factors affecting the external environment.Thanks to the selected indicators, an index of prerequisites for the functioning of the European insurance environment is calculated with the aim of further developing a mechanism for attracting Ukraine to the global insurance environment. The ranking of the countries of the European Union and Ukraine according to the state of development of the insurance environment is carried out and its differentiation is revealed. This is due to the fact that all components of the insurance environment are in close relationship. The increase in the volume of monetary savings of the population and free funds of enterprises contributes to the expansion and revitalization of the credit market and the securities market. And the issue of securities reduces the need for financing the economy through loans and accumulates temporarily free funds of investors.

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