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The imperfect legislation and the adverse economic environment
Have led to strengthening of negative tendencies in the insurance market. It has been created
Great number of the pseudo-insurance organisations (for four years it is withdrawn nearby
Thousand licences), have arisen serious disproportions between obligatory and
Voluntary kinds of insurance, the insurance mechanism began to be used
For leaving from the taxation in the state off-budget funds at
To salary payment. In the market tendencies to monopolisation have become stronger,
Unfair competition, basically generated by section of the insurance
The market in interests of separate departments, financial and industrial groups or
Territories within the limits of branch and regional programs of insurance.
Obligatory kinds of insurance, except for the obligatory medical
Insurance, has the lowest factor of payments and, as a rule,
The majority of the insurance organisations, especially in regions, test
Serious difficulties with attraction of professionally prepared shots,
Meeting modern requirements of conducting insurance operations. Practically
The infrastructure of the insurance market (institutes of brokers, appraisers is not developed
Risk, it and other intermediaries). On the cores macroeconomic
To indicators the Russian insurance market considerably concedes to the developed countries
Also does not meet increasing requirements for protection of property interests
Legal and physical persons.
Amplified on outcome Xit of century the tendency to globalisation world
Economy has mentioned also the insurance market. Rapprochement of economy of the different countries
Creates essentially new conditions for insurance business, promotes
Unifications of conditions of insurance. Negotiations about a Russia's accession to the World Trade Organization and
The action beginning in 1999it. Partnership and Cooperation Agreements between
The Russian Federation and the European Communities cause
Necessity of all-round use of the international experience for the organisation
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