Ліцензійні умови провадження страхової діяльності в морській сфері в Україні

Abstract

Проаналізованj Ліцензійні умови провадження господарської діяльності з надання фінансових послуг (крім професійної діяльності на ринку цінних паперів), затвердженj Постановою Кабінету Міністрів України від 07.12.2016 р. № 913, визначено їхні недоліки. Запропоновано можливі шляхи вдосконалення останнього, спираючись на підзаконні нормативно-правові акти з цього питання, що були чинні до них. Обґрунтована необхідність таких змін. The Licensing conditions of economic activity for the provision of financial services (except for professional activities in the securities market), approved by the Cabinet of Ministers of Ukraine from 07.12.2016 № 913, are analyzed, their defects are identified. There are no provisions that take into account the peculiarities of insurance in the marine sphere, documents that allow the insurer not to fulfill its obligations on time or not at all. The possible ways of improving the latter are proposed, referring to the by-laws and regulations on this issue, which were in force before them. The list of documents for obtaining a license to conduct business in the field of marine insurance in accordance with p.17-19 of Licensing Conditions No. 913 must be supplemented 1) certificate of the financial status of the founders (participants) of the insurer, confirmed by an auditor (auditing firm); 2) economic justification of the planned insurance (reinsurance) activity; 3) a copy certified by the applicant in accordance with the established procedure for conducting internal financial monitoring; 4) certified by the applicant a copy of the document on the appointment of the employee responsible for conducting internal financial monitoring, information about senior officials or specialists responsible for conducting financial monitoring. Licensing conditions No. 913 about organizational requirements also require bringing of additional information specific to insurance in the maritime sphere, such as placing on its website (web page) of the insurer data about the general amount of insurance contracts concluded with details on each type of insurance and the total insured amount specified above contracts with updating 1 time per quarter start.