Перспективні напрямки розвитку окремих видів страхування в умовах трансформації економіки України

Abstract

В даній статті розглянуто особливості перебігу трансформаційних процесів у вітчизняній економіці в умовах сьогодення та визначено основні проблеми соціально-економічного характеру, до яких вони призводять. В дослідженні також розглянуто потенціал розвитку страхової справи в Україні з точки зору вирішення означених проблем. Основну увагу приділено перспективам розвитку найбільш соціально важливих видів страхування, а саме: страхування життя, медичного страхування та недержавного пенсійного страхування. Ключові слова: трансформація економіки, економічне зростання, валовий внутрішній продукт, страхова справа, види страхування, страхування життя, медичне страхування, недержавне пенсійне страхування.

Over the last few years, the economic structure of many countries was significantly changed under influence of a wide range of crises and the increasing globalization of the world economy. Ukraine also did not remain aloof of these processes, the negative impact of which is intensified by the significant internal problems that cannot be overcome without qualitative structural transformations that should provide: the required level of overall economic growth, overcoming deep stratification of society and creating conditions for a possible European integration. In these conditions, current transformation processes in the domestic economy are lead to a number of socio-economic problems and deterioration of living standards of the citizens. In this article, the theoretical aspects of the essence of the economic transformation, features of the transformation processes in the domestic economy in present conditions are considered and the main socio-economic problems to which the aforecited aspects lead are defined. The study also considers the potential of the development of insurance business in Ukraine in terms of solving the identified problems, as the way to protect citizens from certain financial risks and losses. There is also studied the international experience, that shows that insurance companies may accumulate financial resources several times greater than the average commercial banks under the certain economic conditions with a high level of financial and, above all, the stock market and with the growth of welfare of the citizens. At the same time, the focus in this paper is paid to the perspectives of development of the most social important types of insurance, namely: life insurance, medical insurance, and private pension insurance. Videlicet these types of insurance in developed countries are an important component of the market and an effective complement to the public system of social guarantees, as those which have the greatest effect on the social and economic welfare of the citizens. It is also determined that their development in Ukraine are held back by the similar problems associated with the transformation of the domestic economy. It is a lack of insurance culture in society and distrust of citizens to various financial institutions and insurance companies, in particular, lack of knowledge about the possibilities of the personal insurance and its benefits, the opacity of the domestic insurance market functioning, etc. Keywords: economy transformation, economic growth, gross domestic product, insurance business, types of insurance, life insurance, medical insurance, private pension insurance.