АНАЛИЗ КЛЮЧЕВЫХ ФАКТОРОВ БАНКРОТСТВА РОССИЙСКИХ СТРАХОВЩИКОВ

Финансы. 2021. № 9. С. 44–49.

Еремина К. С., Tarasova J.

The number of risks and their severity are increasing annually. In order to take control and protect the population from the impact of risks on their lives, there is an insurance market. Since the insurance industry performs functions that are significant for the development of the country's economy, it is important to consider the issue that is relevant at all times — cases of insurers' bankruptcy. Moreover, the process of bankruptcy recognition has its own peculiarities for insurers. The issue of bankruptcy and survival of insurance companies in Russia has always been and remains acute. The relevance of the topic is due to the rapid pace of development of the modern market, which each company should adapt to in a timely manner. The purpose of this work is to identify the key reasons that increase the risk of financial insolvency of insurers. To achieve this goal, it will be necessary to answer the research question: "What is the impact of macro and micro factors of bankruptcy on the change in the risk of financial insolvency of insurance organizations in Russia?”

Keywords: банкротство страховых компаний, bankruptcy of insurance companies, модель пропорциональных рисков, analysis of the survival of the Russian insurer, proportional risk model, анализ выживаемости российского страховщика