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Capital centralisation, there is a considerable quantity of merges insurance

The companies for the purpose of opposition of a rigid competition on more and more opened

The market. In countries of Eastern Europe a share of three largest companies in

Life insurance more than 75 %, and in insurance other, than life insurance - More than 50 %.

The Russian market yet has not reached such level of concentration. On him

The considerable quantity of the small companies with extremely low financial operates

In potential. In Russia it is registered approximately as much the insurance

The companies, how much in Great Britain, France and Germany of together taken. However

Cumulative actives of 30 largest Russian insurance companies make

Less than 7 billion rbl. that corresponds to the size of the average western company. About

Low potential of the Russian companies, instability of their position

Constant changes in the list of the leading companies testify. In particular,

Following the results of 9 months 1998it. Among 100 largest organisations on the voluntary

To insurance there were 39 new companies in comparison with 1997it.

1.2. The basic results of activity of the insurance organisations

According to Goskomstat cumulative insurance payments in 1997it. Have made

36,57 billion rbl. (growth for a year about 50 % that is essential above rate of inflation

- 12 %), and insurance payments - 26,911 billion rbl. the Factor of payments equaled

0,74. 80 788 599 contracts of insurance for the 5 360 billion sum have been concluded

Rbl.

Table 1.4. Structure of payments and payments by kinds

Insurance, 1997it. (Million rbl.)

Insurance payments

Insurance payments

Structure by insurance kinds in % to a result

Factor

Insurance payments

Insurance payments

Kol-in contracts

Payments

1. Voluntary insurance - all

21532,5

13718,5

58,9

51,0

83,0

0,64

Including 1it Personal insurance

12445,0

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