• A
  • A
  • A
  • АБВ
  • АБВ
  • АБВ
  • A
  • A
  • A
  • A
  • A
Обычная версия сайта
  • RU
  • EN
  • HSE University
  • Publications
  • Articles
  • ОСНОВНЫЕ ТРЕНДЫ НА РЫНКЕ СТРАХОВАНИЯ: РОЛЬ ЦИФРОВЫХ УСЛУГ
  • RU
  • EN
Расширенный поиск
Высшая школа экономики
Национальный исследовательский университет
Priority areas
  • business informatics
  • economics
  • engineering science
  • humanitarian
  • IT and mathematics
  • law
  • management
  • mathematics
  • sociology
  • state and public administration
by year
  • 2027
  • 2026
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010
  • 2009
  • 2008
  • 2007
  • 2006
  • 2005
  • 2004
  • 2003
  • 2002
  • 2001
  • 2000
  • 1999
  • 1998
  • 1997
  • 1996
  • 1995
  • 1994
  • 1993
  • 1992
  • 1991
  • 1990
  • 1989
  • 1988
  • 1987
  • 1986
  • 1985
  • 1984
  • 1983
  • 1982
  • 1981
  • 1980
  • 1979
  • 1978
  • 1977
  • 1976
  • 1975
  • 1974
  • 1973
  • 1972
  • 1971
  • 1970
  • 1969
  • 1968
  • 1967
  • 1966
  • 1965
  • 1964
  • 1963
  • 1958
  • More
Subject
News
July 2, 2026
Researchers Discover How Spelling Errors Slow Down Reading in Russian
Psycholinguists from the Centre for Language and Brain at HSE University–St Petersburg have shown that words that are frequently misspelled are processed more slowly by readers, even when presented with the correct spelling. The researchers confirmed this effect for the first time using Russian-language materials and found that response speed is most strongly linked to how confidently individuals can distinguish the correct spelling of a word from an incorrect one. The study has been published in The Mental Lexicon.
July 2, 2026
HSE Develops App for Assessing Phonological Processing in Children
Researchers at the HSE Centre for Language and Brain have developed a new digital tool for assessing children's phonological processing skills—the ZARYA (Sound Analysis of the Russian Language) test battery. It is the first standardised application in Russia designed to provide a fast and reliable assessment of children's ability to distinguish speech sounds, retain them in working memory, and perform phonemic analysis. The app runs on Android tablets and smartphones and is available for download from RuStore. Details of the test validation have been published in the Journal of Speech, Language, and Hearing Research.
July 1, 2026
Scientists Discover Why Europium 'Misbehaves'
Europium is a rare-earth metal responsible for the pure red glow in displays and other luminescent materials. For a long time, however, it refused to emit light when surrounded by certain organic molecules known as acylpyrazolone ligands. Chemists have now uncovered the reason: in europium complexes with these ligands, a 'black window' appears—a charge-transfer state in which the energy absorbed by the ligand is dissipated as heat rather than emitted as light. Understanding this mechanism opens the way to designing more efficient red-emitting materials for displays, fluorescent thermometers, and chemical sensors. The results have been published in Dalton Transactions.

 

Have you spotted a typo?
Highlight it, click Ctrl+Enter and send us a message. Thank you for your help!

Publications
  • Books
  • Articles
  • Chapters of books
  • Working papers
  • Report a publication
  • Research at HSE

?

ОСНОВНЫЕ ТРЕНДЫ НА РЫНКЕ СТРАХОВАНИЯ: РОЛЬ ЦИФРОВЫХ УСЛУГ

Корпоративная экономика. 2020. № 2 (22). С. 33–45.
Tarasova J., Ямская С. В.

The aim of the paper is to analyze and identify trends in digital technologies for the insurance market in Russia. Using statistical methods and financial indices, we investigated online sales of insurance policies in Russia since 2012. In our study, calculations of average values were made for the first time (the lack) to evaluate Russian insurance.

Priority areas: economics management
Language: Russian
Full text
Keywords: trendsцифровые технологииtelematicsinsurance market of Russiadigital technologiesonline salesроссийский рынок страхованиятренды 2020онлайн-продажителематические системы
Similar publications
Cyclical Fluctuations, Financial Frictions, and Productivity Differences across Firms
Mishin A., Guerrieri L., Kim J., / Series 2026-042 "Finance and Economics Discussion Series (FEDS)". 2026.
Within narrowly defined industries, the most productive firms produce far more than the least productive from the same inputs, and this dispersion widens in downturns. We build a tractable representative-agent model in which financial frictions—adverse selection and moral hazard—make firms sort endogenously into lenders, strategic defaulters, and producers. As credit conditions vary, the resulting misallocation ...
Added: June 28, 2026
Устойчивость на текучей основе: долгосрочная устойчивая цена на нефть
Власов С. А., Nevalennyi M., Сафиулин Р. Р. et al., / Банк России. Серия Аналитическая записка "Материалы Банка России". 2026.
В аналитической записке обсуждается долгосрочно устойчивый уровень цены на российскую нефть. Это тот уровень, к которому цена нефти, вероятнее всего, будет тяготеть в долгосрочной перспективе. Потребность в его определении возникает по нескольким причинам. Во-первых, цена на нефть остается одним из ключевых экономических показателей российской экономики, определяющих экспорт, обменный курс рубля, прибыль, доходы и расходы бюджета, ...
Added: June 27, 2026
Учебная модель малой открытой экономики для анализа денежно-кредитной политики (с примерами из практики Банка России
Глазова А. М., Nevalennyi M., Синяков А. А., / Банк России. Серия Препринты Банка России "Серия докладов об экономических исследованиях". 2025. № 154.
The paper proposes a graphical model of a small open economy. The dynamics of the graphical model is then illustrated using impulse responses from the corresponding formal semi-structural model (QPM model). The authors have several goals in preparing this description of the graphical macroeconomic model. The first goal of the paper is to present an adapted ...
Added: June 27, 2026
A Static Capital Buffer is Hard To Beat
Mishin A., Guerrieri L., Canzoneri M. et al., / Series 2026-042 "Finance and Economics Discussion Series (FEDS)". 2026.
Added: June 27, 2026
Тенденции и потенциал развития технологичных видов спорта в студенческой среде
Жданович Д. О., Selskiy A., Троицкая Э. В. et al., Физическое воспитание и студенческий спорт 2024 Т. 3 № 2 С. 123–128
The development of modern technologies leads to transformation of all the spheres of society, including sports. One of the key trends of recent years is emergence and fast spread of high-tech (innovative) sports, where digital technologies are embedded directly into the process of competition, such as phygital (combined functional and digital) sport, drone (unmanned aircraft) ...
Added: June 23, 2026
Тренды в развитии креативной экономики и креативных индустрий в Арктической зоне: обзор зарубежных исследований
Мармилова Е. П., Арктика и Север 2026 № 63 С. 368–384
The aim of this article is to conduct a meta-analysis of foreign scientific publications in order to identify modern trends in the development of the creative economy and creative industries in the Arctic. The main method of the scientific research was a meta-analysis of the specialized literature. The analysis was carried out on the basis of two databases of peer-reviewed scientific publications — Scopus and Web of Science. These are the largest databases, which are ...
Added: June 17, 2026
Hybrid Competition under Fragmented Demand and Limited Consumer Choice
Bogatyrev R., Sandomirskaia M., / NRU Higher School of Economics. Series EC "Economics". 2026. No. 19(1).
This work develops a tractable model of price competition in fragmented markets where consumers consider both local and distant varieties, with cross-regional purchases subject to stochastic costs. Global competition and full localization emerge as polar cases; hybrid competition is not merely intermediate and exhibits distinctive features such as an endogenous price ceiling and non-monotonic entry ...
Added: June 11, 2026
Assessing the impact of economic sanctions on the socio-economic development of a sanctioned country -testing a new research approach using the data on the socio-economic development of Russia in 2022-2025
Gurkov I. B., Kossov V. V., Filinov N. et al., / NRU Higher School of Economics. Series MAN "Management". 2026. No. N/A.
This research note is devoted to assessing the socioeconomic impact of sanctions of sanctioned countries and uses the data on Russia in 2022-2024. We use for the analysis four fundamental socioeconomic parameters-the expected length of life of males at birth, the misery index (Okun's index), the level of Gross Domestic Product at purchasing parity prices, ...
Added: June 11, 2026
How Universal is the Cool Water Effect? Evidence from the Unlikely Case of Russia
Kravtsova M., Musaev A. U., Welzel C., / Series "SSRN Working Paper Series". 2026.
Elaborating on Welzel et al.'s "Cool Water Theory," our study zooms into the more limited (albeit still varied) framework conditions of Russia's huge territory. Within Russia's confines, we examine how the combination of moderately cool seasons with steady rain (i.e., Cool Water) affects sub-national areas' contemporary societal progress in two modernization indicators: material prosperity in ...
Added: June 3, 2026
Финансовая грамотность и ответственное финансовое поведение российских домохозяйств
Синяков А. А., Зверева В., Шелованова Т. И., / Центральный банк Российской Федерации. Серия 132 / 2024 "Серия докладов об экономических исследованиях". 2024. № 132.
At the end of 2023, Russia updated its Strategy for Improving Financial Literacy and Developing Financial Culture Until 2030. Unlike the previous strategy, the current strategic goals include not only financial literacy but also financial culture. ‘Culture’ is normative and socially preferred behaviour. The updated strategy brings into focus the relationship between financial literacy and responsible financial behaviour. To explore this relationship, the authors rely on data from the All-Russian Survey of Consumer Finance (2020 and 2022).  Socially ...
Added: June 1, 2026
Почему растущие доходы не делают людей счастливее: эмоциональное объяснение парадокса Истерлина (Why Growing Incomes Do Not Make People Happier: an Emotional Explanation of the Easterlin Paradox)
Vorchik A., / SSRN. Серия Social Science Research Network "Social Science Research Network". 2026.
This work is devoted to a theoretical explanation of the Easterlin paradox, according to which long-term economic growth does not make average level of people's happiness increasing. By happiness, we mean the intensity of emotions people experience while comparing their new income with its expected value, or the target income with its original value. In the first case, ...
Added: May 31, 2026
Кадровый потенциал цифровой трансформации машиностроения. Мониторинг цифровой трансформации бизнеса. Выпуск №4
Abashkin V., Abdrakhmanova G., Bogdanov T. et al., М.: НИУ ВШЭ, 2026.
Институт статистических исследований и экономики знаний НИУ ВШЭ изучает аспекты цифровой трансформации машиностроения, в том числе оценивает необходимый для этого ресурсный, в частности кадровый, потенциал организаций отрасли. Эмпирической базой для анализа послужили результаты обследования более 1,7 тыс. организаций машиностроения, проведенного в 2025 г. в рамках Мониторинга цифровой трансформации бизнеса. К машиностроению отнесены производители: компьютеров, электронных и оптических изделий (код по ОКВЭД2 — 26); электрооборудования (27); ...
Added: May 21, 2026
Цифровая трансформация машиностроения. Мониторинг цифровой трансформации бизнеса. Выпуск №3
Abashkin V., Abdrakhmanova G., Bogdanov T. et al., М.: НИУ ВШЭ, 2026.
Институт статистических исследований и экономики знаний НИУ ВШЭ изучает аспекты цифровой трансформации машиностроения, в том числе оценивает текущий уровень использования цифровых технологий и перспективный спрос на них. Эмпирической базой для анализа послужили результаты обследования более 1,7 тыс. организаций машиностроения, проведенного в 2025 г. в рамках Мониторинга цифровой трансформации бизнеса. К машиностроению отнесены производители: компьютеров, электронных и оптических изделий (код по ОКВЭД2 — 26); электрооборудования (27); машин и оборудования, не включенных в другие ...
Added: May 21, 2026
Кадровый потенциал цифровой трансформации химической промышленности. Мониторинг цифровой трансформации бизнеса. Выпуск №2
Abashkin V., Abdrakhmanova G., Bogdanov T. et al., М.: НИУ ВШЭ, 2026.
Институт статистических исследований и экономики знаний НИУ ВШЭ изучает аспекты цифровой трансформации химической промышленности, в том числе оценивает необходимый для этого ресурсный, в частности кадровый, потенциал организаций отрасли. Эмпирической базой для анализа послужили результаты обследования более тысячи организаций химической промышленности, проведенного в 2025 г. в рамках Мониторинга цифровой трансформации бизнеса. К химпрому отнесены в соответствии с ОКВЭД2 производители: химических веществ и химических продуктов (код по ОКВЭД2 — 20); лекарственных средств ...
Added: May 21, 2026
Цифровая трансформация химической промышленности. Мониторинг цифровой трансформации бизнеса. Выпуск №1
Abashkin V., Abdrakhmanova G., Bogdanov T. et al., М.: НИУ ВШЭ, 2026.
Институт статистических исследований и экономики знаний НИУ ВШЭ изучает аспекты цифровой трансформации химической промышленности, в том числе оценивает текущий уровень использования цифровых технологий и перспективный спрос на них. Эмпирической базой для анализа послужили результаты обследования более тысячи организаций химической промышленности, проведенного в 2025 г. в рамках Мониторинга цифровой трансформации бизнеса. К химпрому отнесены в соответствии с ОКВЭД2 производители: химических веществ и химических продуктов (код по ОКВЭД2 — 20); лекарственных средств и материалов, ...
Added: May 21, 2026
Цифровизация бюджетного процесса на муниципальном уровне: проблемы и перспективы развития
Rastvortseva S., Панина Екатерина Владимировна, Проблемы развития территории 2025 Т. 29 № 6 С. 81–95
In recent decades, digitalization has firmly entered the sphere of state and municipal administration, including the budget system of the Russian Federation. Currently, the concept of electronic budgeting is actively developing and being implemented both at the federal and regional levels, which is confirmed by extensive scientific research. However, the issue concerning the use of digital technologies in the ...
Added: May 8, 2026
Мессенджер МАХ как инструмент модернизации электронного правительства: анализ трансформации взаимодействия граждан и государства
Diskin E., Вопросы государственного и муниципального управления 2026 № 1 С. 144–169
The article analyzes the introduction of the national messenger Max into the system of electronic interaction between citizens and the state in the Russian Federation. Federal Law No. 156 of June 24, 2025 established the legal framework for integrating the messenger into the unified ecosystem of government digital services, including the Unified Identification and Authentication ...
Added: May 1, 2026
Технология блокчейн в управлении цепями поставок
Dybskaya V., Sergeyev V., Логистика 2025 № 4 С. 16–22
The content of the blockchain concept (technology) in relation to supply chain management and logistics is disclosed. The evolution of blockchain technology is shown: advanced blockchain, complex and advanced solutions using blockchain. The main areas of application and characteristics of the problems of the blockchain application in the USP are considered. The key risks and ...
Added: April 29, 2026
Covariate-Balanced Weighted Stacked Difference-in-Differences
Ustyuzhanin V., / Series Econometrics "arxiv". 2026.
This paper proposes Covariate-Balanced Weighted Stacked Difference-in-Differences (CBWSDID), a design-based extension of weighted stacked DID for settings in which untreated trends may be conditionally rather than unconditionally parallel. The estimator separates within-subexperiment design adjustment from across-subexperiment aggregation: matching or weighting improves treated-control comparability within each stacked subexperiment, while the corrective stacked weights of Wing et ...
Added: April 3, 2026
Институт аналогии в информационном праве России
Лескина Э. И., Вестник Воронежского государственного университета. Серия: Право 2025 № 4(63) С. 157–165
The speed of development and distribution of digital technologies increases every year, as do the areas of their application. Artificial intelligence systems solve creative problems, predictive analytics are used in law enforcement agencies, and such areas as healthcare, transport, education and many other areas do not go unnoticed. At the same time, part of public ...
Added: April 1, 2026
Влияние цифровых технологий на структурные изменения сети медицинских организаций
Potapchik E., Профилактическая медицина 2025 Т. 28 № 9 С. 7–14
In just the past few years, digital technologies (DTs) have become from a new experimental concept to an integral part of modern healthcare. There is a change in the paradigm of medical care organization — a shift from the medical care provision within the walls of medical provider (MP) to its delivery at the patient’s ...
Added: March 18, 2026
Загадка внутренней мотивации
Vorchik A., / Social Science Research Network. Серия SSRN Working Paper Series "SSRN Working Paper Series". 2026.
This article is devoted to the phenomenon of intrinsic motivation, to understand which two models are proposed. We study how positive/negative intrinsic motivation to work (experienced utility) affects worker's individual labour supply (model I) and the amount of effort they exert (model II). In model I, we use intrinsic motivation to explain the positive/negative slope ...
Added: March 15, 2026
Цифровые технологии в проектировании креативных продуктов
Sizova I., В кн.: Арт-менеджмент в креативных пространствах.: СПб.: Скифия-принт, 2024. С. 70–77.
This text on the application of digital technologies in the design and creation of creative products. The key terms such as "digitization" (converting information into digital form), "digitalization" (integrating technology into existing processes), and "digital transformation" (fundamental organizational changes driven by technology) are examines. The work provides a classification of creative products (physical objects, media, digital ...
Added: March 10, 2026
Арт-менеджмент в креативных пространствах
Терещенко Е. Ю., Белевских Т. В., Желнина З. Ю. et al., СПб.: Скифия-принт, 2024.
This textbook, "Art Management in Creative Spaces," offers a comprehensive exploration of contemporary creative spaces. Focusing on St. Petersburg, it analyzes the role of such spaces in fostering creative communities and their contribution to the broader creative environment. The book is structured into 12 chapters, covering the theoretical foundations and history of creative spaces, their ...
Added: March 10, 2026
  • About
  • About
  • Key Figures & Facts
  • Sustainability at HSE University
  • Faculties & Departments
  • International Partnerships
  • Faculty & Staff
  • HSE Buildings
  • HSE University for Persons with Disabilities
  • Public Enquiries
  • Studies
  • Admissions
  • Programme Catalogue
  • Undergraduate
  • Graduate
  • Exchange Programmes
  • Summer University
  • Summer Schools
  • Semester in Moscow
  • Business Internship
  • Research
  • International Laboratories
  • Research Centres
  • Research Projects
  • Monitoring Studies
  • Conferences & Seminars
  • Academic Jobs
  • Yasin (April) International Academic Conference on Economic and Social Development
  • Media & Resources
  • Publications by staff
  • HSE Journals
  • Publishing House
  • iq.hse.ru: commentary by HSE experts
  • Library
  • Economic & Social Data Archive
  • Video
  • HSE Repository of Socio-Economic Information
  • HSE1993–2026
  • Contacts
  • Copyright
  • Privacy Policy
  • Site Map
Edit