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Clients have ahead of schedule withdrawn the means from the companies. Many legal bodies
Also have ahead of schedule interrupted insurance contracts.
Devaluation was especially negatively reflected in the companies which have incurred
Obligations on payments insurance it in currency in the rouble
Equivalent. As a result of sharp growth of a dollar exchange rate of the obligation of these
The companies in rouble calculation have increased several times. The basic losses
Insurers are connected with sharp falling of purchasing capacity of the cores
Categories of clients among legal and physical persons.
Within the next months the economic environment will be characterised
Rather high rate of inflation and a dollar exchange rate, absence of the reliable
Financial tools with rather high profitableness and
General availability. In these conditions it is possible to predict bankruptcy or
The termination of activity as a result of licence withdrawal of a considerable part
The insurance companies.
2. THE BASIC BRANCHES OF INSURANCE IN THE RUSSIAN FEDERATION
2.1. Insurance kinds
According to the Russian methodology insurance is subdivided on
* Voluntary personal insurance;
* Voluntary insurance of property;
* Voluntary insurance of responsibility;
* Obligatory insurance.
The analysis of structure of the cumulative award in 1992-1997it. Allows to reveal
The extremely non-uniform development of separate kinds of insurance (schedule 1 see).
First of all, it is necessary to note considerable growth and stabilisation in the last
Time of a share of obligatory insurance at level of 40 %. In the period beginning it is great
Share of insurance of responsibility, mainly, it popularity
Credit insurance which because of unprofitableness was considerably reduced in
Schedule 2.1. Changes in structure of the cumulative award
3 sq. 1992
1 sq. 1993
3 sq. 1993
1 sq. 1994
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