Role of insurance in the Russian economy and to improve the quality of life of Russians

Z. F. Sharifianova ()

Scientific notes of the Russian academy of entrepreneurship, vol. 16, issue 1

Abstract: The object of study of this article is the insurance and its role in the development of the Russian economy and improve the quality of life of the population. The study theoretical foundations of security possible to identify the essence of insurance function, the key aspects of its functioning in the present conditions of high risks and uncertainties. The analysis of quantitative and qualitative characteristics of the security of our country showed negative tendencies of its development. There is a high proportion of compulsory insurance, the low values of the insurance payments are reduced over the last decade. Moreover, it revealed differentiation of this indicator, depending on the types of insurance. The study of theoretical and practical aspects of insurance Russia will allow us to offer the article principles of insurance products aimed at the ongoing development of the insurance industry. The proposed principles include the need for client-priority areas ofdevelopment and promotion of insurance products tailored to various levels of regional socio-economic development.

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