Современные аспекты развития взаимного страхования

Экономическая безопасность. 2024. Т. 7. № 10. С. 2485–2500.

Калайда С. А., Tarasova J., Белова Л. А.

The article examines the features of modern mutual insurance, which is developing under the influence of digitalization and economic convergence. The mutual insurance market is part of the insurance market, therefore, in the interests of effective long-term development of the entire national insurance and risk management system, especially in the context of geopolitical risks and economic challenges, the activities of mutual insurance companies, as well as regulation of this insurance sector, require special attention, constant study, taking into account positive Russian and international experience and improvement. The article provides a historical perspective on the development of mutual insurance, examines the regulatory environment of this insurance sphere, and provides examples of modern Russian and foreign mutual insurance practical cases. Based on the analysis, the impact of digitalization and economic convergence on mutual insurance is substantiated and confirmed, which manifests itself in the transformation of its business models - in the creation of P2P insurance and industry–specific mutual insurance companies. The results obtained have a practical orientation for conducting high-quality risk management by economic entities, including to ensure technological sovereignty, their use will contribute to strengthening the national insurance market.

Keywords: управление рисками, risk management, ecosystem, экосистема, цифровизация, digitalization, economic convergence, экономическая конвергенция, технологический суверенитет, technological sovereignty, mutual insurance, взаимное страхование