Конкуренція як запорука успішного розвитку страхового ринку

Abstract

Розглянуто основні теоретичні підходи до визначення поняття “конкуренція на страховому ринку”. Проведено аналіз конкурентного середовища вітчизняного страхового ринку на основі показників ринкової концентрації та ринкової конкуренції. Відзначено основні проблемні питання макроекономічного характеру, розв’язання котрих є необхідною умовою формування у нашій країні цивілізованого страхового ринку. Визначено напрямки вдосконалення внутрішніх соціально-економічних і фінансових відносин між учасниками процесу страхування, котрі сприятимуть розвитку страхового ринку України та зростанню рівня конкуренції на ньому. Introduction. In Ukraine at the conditions of growing influence of economic and political risks there are certain factors that are not conducive to the development of fair competition among insurance companies, are not increasing demand for insurance services they offer and are not develop innovative ways to attract customers. Purpose. Considering that the functioning of insurance market provides activity of signifi- cant number of insurance companies appears а necessity to develop recommendations that will have a positive impact on competition and financial relations between the subjects of the underwriting process. Results. The author proposed an explanation of the term “competition in the insurance market”. The article analyzes the level of competition in the insurance market using indicators such as the ratio of monopolizing the market and Herfindahl-Hirschman coefficient. The analysis confirmed that a significant number of insurance organizations does not mean the availability of fair competition in the insurance market, as the only major domestic and foreign insurers are actively competing for the expansion of it. Conclusion. The development of insurance market in Ukraine will take place under the following conditions: improvement of the current legislation which regulating the insurance activity in Ukraine; clarification and justification of existing rules of regulations regarding the presence in the domestic market of foreign insurance companies; adoption of legislative acts aimed at providing maximum openness of information relating to results of the insurance market participants; the elimination of restrictions to insurance reserves placement in the real economy in Ukraine; creating attractive investment instruments for insurers; improve methods of marketing research on defining the real needs of the population in insurance protection and insurance services; development of long-term types of insurance and private pension system; improve the exchange information between all participants of the insurance market; stimulation of insurance brokerage.