EDN: TDCPBL
ECONOMIC SECURITY OF AN INSURANCE COMPANY: THE SPECIFICS OF THE PROVISION AND EVALUATION
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JATS‑XML (OAI)The article discusses the specifics of the functioning of an insurance company. The purpose of this article was to develop and substantiate a methodological approach to assessing the economic security of companies in the insurance sector based on an analysis of the dynamics of key financial indicators and taking into account the internal determinants of sustainability. The key factors determining the economic security of an insurance company, including profitability, the level of reserves and operational risks, have been identified. The mechanism of ensuring the economic security of an insurance company is analyzed based on an assessment of its financial stability. An example of the operational burden of an insurance company is given due to an increase in the number of insurance contracts implemented. The analysis of the dynamics of insurance premium fees of Ingosstrakh Joint-Stock Company for 2022-2024 has been carried out, and trends in changes in the insurance portfolio based on the most profitable and most risky types of insurance have been identified. The indicators of fees and payments in the context of types of insurance are presented. The authors ranked the types of insurance by a sliding payout ratio, and demonstrated the ratio of payments to insurance premiums by type of insurance. The article highlights the types of insurance with the highest profitability, including voluntary property insurance and financial risk insurance. Measures have been proposed to develop types of insurance that will further ensure the effectiveness of the insurance company and increase its economic security.
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