Концепция риск-менеджмента в страховых организациях
Insurance companies, being at the same time both the subject and the object of management of risk, are under the influence of two kinds of risks: both the risks which arise directly from activity of insurance company as object of economical activity, and the risks accepted from insurant. Therefore it is almost impossible to ensure reliability and financial sustainability of insurance company without effective system of risk management. Moreover, whereas foreign practice indicates the active application of a risk management by insurance companies, the risk management in insurance industry in Russia didn't gain proper development yet. The development of the concept of risk management system of insurance companies is the goal of research. In the article we put forward the risk management concept for the Russian insurance companies, in which the «innovation» stage was an application of indicators EVA and RAROC.