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INSURANCE MARKET POTENTIAL AS THE FACTOR OF ENSURING ECONOMIC SECURITY: METHODOLOGICAL ASPECTS

E. V. Kostyaeva, I. V. Plotnikova

Abstract

In the process of studying the modern role of the insurance market potential in the Russian Federation and the prospects for its development, there are inevitably questions about the reasons for its underestimation and its failure to fully perform its functions in the system of ensuring the economic security of the state. The National Security Strategy of the Russian Federation defines various ways of ensuring state and public security, the ecology of living systems and rational nature management, economic growth and improving the life quality of Russian citizens. At the same time, neither insurance nor the insurance market are mentioned in the activities ensuring achievement of strategic priorities. Of course, it would be easier for the state to prevent and compensate losses from natural disasters and accidents (related to global climate change, deterioration of the infrastructure facilities technical condition, environmental damage from human activities) with the help of the insurance institution. Therefore, in our opinion, increasing the level of use the domestic insurance market potential could significantly accelerate the process of achieving strategic national priorities. The purpose of this study is the methodological substantiation of the domestic insurance market potential development as a factor of strengthening the state economic security. The main objectives of the study are: - generalization domestic experience in the field of managing the insurance market potential; - theoretical comprehension of the “insurance market potential” category and determining its place in the system of the state economic security; - systematization of the insurance market potential components and clarifying of their content; - analysis of the domestic insurance market dynamics based on statistical data, including the analysis of emergency situations and the level of adverse consequences for the Russian Federation economic security and its subjects. The result of this study is the development of the theoretical and methodological foundations for determining the insurance market potential, as well as the elaboration of the methodology for estimate the level of use the insurance market potential to ensure the state and regions economic security of Russia.

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DOI resolver: doi.org/10.5593/sgemsocial2017/13/S03.051

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