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5.1. Influence of requirements of the WTO (the General agreement in sphere of services) on

Regulation of the insurance market 63

5.2. The obligations accepted by the countries within the limits of the Agreement of the WTO in sphere

Services. 64

5.3. World practice of regulation of insurance system: lessons for Russia



Financial crisis has especially sharply raised the question 1997-1998 about creation

Mobilisation of savings and to direct them on the investment purposes. Events 1998it.

Have shown the limited possibilities and the extremely dangerous consequences

Economy financings mainly at the expense of internal and external Loans. Economic growth in Russia, considering a low collecting

The taxes, incessant "flight" of the capital, it is impossible without the essential

Increases of norm of savings. An appreciable role in this process it urged to play

Insurance system.

Insurance as the management method risks, promotes protection Property interests of the enterprises and citizens, safety and stability Businesses. The insurance role is especially important in a context Economic reforms as it stimulates development of market relations And business activity, improves an investment climate. Development degree

The insurance market reflects possibilities of economic growth of the country.

Promoting redistribution of risks between economic subjects and

To the indemnification at the expense of accumulation, insurance allows to raise

Efficiency of economy in whole and the separate enterprises. Therefore development

National system of insurance - one of the important strategic problems in

Areas of creation of an infrastructure of the market. For Russia, where almost all kinds

Activity are characterised by the raised risk, it has special value.

World experience testifies to presence of close interrelation between Social expenses of a society and level of development of long-term insurance Lives. Insurance is capable to replace some state social Programs, unloading on the state budget. In Russia it has Special value in connection with crisis of pension system and adverse

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