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* Use authentic and full financial, accounting and other Information;
* Timeliness and completeness of supervision;
* Effectiveness and efficiency in application of sanctions from outside the supervising
From this point of view modern system of the Russian insurance supervision
It is ineffective. It can be explained following reasons.
* Insufficient number of employees of supervision (nearby 60 persons in
Central body and almost as much on places. For comparison in staff
New York where almost same number of the insurance organisations is registered,
As in the Russian Federation, number of employees of bodies of supervision makes nearby 1400
The person from which 800 are engaged in checks directly in the insurance
* Insufficient skill level and payments of employees of supervision;
* Unfairly private changes of structure and place of body of supervision in
To system of bodies of the state executive power;
* Absence of modern ways of processing and data transmission;
* Inefficient use of territorial inspections of supervision for
* Insufficient reflexion in acts of control powers
And the measures applied by supervision to the insurance organisations;
* Absence of the worked system of sanctions at the infringements revealed in
Activity of the insurance organisation.
The specified problems can be appreciably solved by acceptance
The special law "About insurance supervision" as it is provided Civil
The code of the Russian Federation.
It is necessary to stop especially on questions of the antimonopoly
Legislations in the Russian Federation. Monopoly for the realisation right
Insurance activity by State fear and Ingosstrahom has been cancelled after
Acceptances of the acts regulating insurance in Russian
Federations. However any special norms connected with suppression
Actual monopolies in insurance the Russian legislation not
Provides. According to operating practice are spent
Any competitions among insurers, for example, in cases
Obligatory state insurance.
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