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Astrakhan areas, in Stavropol Territory fluctuates from 91 to 95 %. It

Reflects very much a poor development in the given regions of voluntary kinds

Insurance.

1.5. Consequences of financial crisis for the insurance market

Processes which have started to be developed in financial sphere after 8/17/1998 were infringed by interests of insurers in several directions. Insurers have been obliged to invest a part of insurance reserves in

The state securities. As a whole the share of investments in state credit obligations was rather

It is insignificant. According to the Center of the economic analysis (it), absolute size

Investments in state credit obligations and federal loan bond of 100 largest insurance companies made 1,6 billion

Roubles or about 16 their % net - actives.

Crash of state credit obligations was reflected in a financial position of insurers in different degree.

Many Moscow insurance companies which had have most seriously suffered

Access to the market of state credit obligations and using it for reception of high incomes.

The share of investments in state papers at regional firms of Rosgosstrakh is high also. In

The same time smaller losses have incurred the regional insurance companies, Putting in the state securities a small part of reserves. Most

The big losses of insurers are caused by loss of a considerable part of the former

Clients because of refusal to conclude contracts of insurance in view of their deterioration

Financial position. Such reduction of operations on the voluntary To insurance occurs at the majority of the companies.

Besides investments in state papers an essential part of actives of the insurance companies

It has appeared frozen on an urgent abacus in problem banks as a result Expansions of system bank crisis. As a result of crisis The insurance companies, rendering services in memory kinds have suffered

Insurance. The panic of investors of banks was passed also to clients of the insurance

The companies. Within first several weeks after the crisis beginning many

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Large Weather Icons Large Weather Icons represent a number of weather conditions typical in software, weather Web sites, and mobile gadgets. The images are available in all sizes standard to Windows, Mac OS, and mobile platforms. The largest versions are huge 512x512 pixel icons with vector sources in Adobe Illustrator (.ai) format easily available and ready to be printed or used in presentations in highest resolution.

Yellow Web Buttons Yellow Web Buttons give a package of navigation images for social networks and custom web products. The icons are easy on the eye, and provide a uniform theme painted in yellow color. The delicious buttons for delicious sites:)

Delicious Love Icons Speed up development of online dating Web sites and software with pre-made Delicious Love Icon Set. The collection contains more than sixty love images and represents lots of symbols and objects common to Web sites about human relationships.

16x16 Free Toolbar Icons 16x16 Free Toolbar Icons set contains everything that are necessery for your web page or software toolbar.

Science Icon Set Science Icon Set offers you all the graphics, that are needed to design a laboratory software or scientific Web project. This set contains mathematics, chemical and biology icons.