Страховий механізм забезпечення корпоративної стійкості

Abstract

У статті досліджено проблеми, пов’язані з формуванням страхового механізму забезпечення корпора-тивної стійкості. Доведено, що основи його побудови не коректно ототожнювати з принципами сталого страхування. Обґрунтовано визначення страхового механізму забезпечення корпоративної стійкості, охарак-теризовано його форми, методи, інструменти та важелі. Проаналізовано вплив страхування на корпоратив-ний розвиток в екологічному та соціальному вимірах, за сучасних умов в Україні. Визначено структуру страхо-вого механізму корпоративного сталого розвитку, а також фактори, від яких залежить результативність його формування та функціонування. Ключові слова: принципи сталого страхування, страховий механізм, сталий розвиток, корпоративна стійкість, екологічне страхування,альтернативний трансфер ризику.

The article examines the problems associated with the formation of an insurance mechanism for corporate sustainability. This mechanism is not a term, identical to Sustainable Insurance, which is defined as a strate-gic approach where all activities in the insurance value chain are done in a responsible and forward-looking way by identifying, assessing, managing and monitor-ing risks and opportunities associated with environ-mental, social and governance issues. The insurance mechanism for corporate sustainability is created to encourage the development of businesses (insurers) in economic, environmental and social dimensions. It includes a complex of ecological and social insurance types, tariff policies, based on the analysis of the poten-tial risks, associated with low rates of corporate devel-opment in all its dimensions, alternative risk transfer (ART), as well as socially - responsible investments of insurance companies. Analysis of legislation and insur-ance practice showed that the insurance mechanism for corporate sustainability in Ukraine is at the beginning of the multistage formation process. Pollution Legal Liability (“PLL”) and Cleanup Cost Cap (“Cost Cap” or “Stop Loss”) policies are rarely used in practice as well as the alternative risk transfer (reinsurance side-cars, finite risk plans, run - off solutions, trigger prod-ucts , industry loss warranties, contingent capital etc). Insurance companies are not oriented toward socially - responsible investments. The number of corporate pen-sion funds is very limited. The effect of factors such as appropriate legal framework, institutional environment, maturity of so-cially - responsible investment market and corporate adaptation systems, compliance with the principles of sustainable insurance is substantiated in the article. These factors contribute to the formation of a qualita-tively new relationship between the insurer and the insured. Further research should define the optimal corporate strategies of adaptations to the insurance market transformations. Keywords: principles for sustainable insurance, in-surance mechanism, sustainable development, corpo-rate sustainability, environmental insurance, alternative risk transfer.