Степень влияния банковского сектора на страховой рынок
Abstract. The well-being of any economy depends on maturity and stability of institutions which it is based on. The banking and insurance systems are the key institutions of financial sector, and any structural or quantitative changes in these institutions have an ambivalent effect on the sector and the Russian economy as a whole. The emergence of explicit control of banks over the insurance sector in recent years has become one of the most discussed topics in financial and scientific communities, but participants in the discourse have not as yet come to a consensus about the impact of such interaction on other sectors of the economy. Furthermore, it was noted that the number of insurance companies is rapidly falling. The objective of this study is to prove two working hypotheses that banks: 1) exert pressure on the insurance market 2) lead it to oligopolization with a high concentration of individual companies. Using the correlation, a comparative and quantitative analysis of the coefficients responsible for the type of structure of the insurance market, we managed to prove that the banking sector almost completely controls the insurance market, the process of establishing an oligopoly is taking place in the insurance market as a result of pressure from banks.