ВКР Омельченко Д.С. (1234028), страница 14
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Insurance is one of the most dynamically developing spheres of business in the Russian Federation. Volumes of insurance operations steadily increase, and insurance companies play more and more significant role in economy. So, according to the All-Russian union of insurers, the gain of collecting insurance payments in 2012 in relation to 2011 made 51,3%, and insurance payments increased for 18%. Most quicker in 2012 collecting on life insurance – for 59% grew. Insurance reserves come nearer to 90 billion rubles. The number of the
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workers occupied in branch makes 250–300 thousand people (about 0,5% of total number occupied).
In "The concept of development of insurance in the Russian Federation" it is noted that the share of means from insurance in gross domestic product of the country grew from 1,6% in 1988 to 3% in 2014.
Recognizing progress in development of insurance activity, experts note that for years of market reforms for the present it wasn't succeeded to create fully the steady, corresponding to modern requirements of society market of insurance services.
The main problems of the modern insurance market of Russia are:
– low level of solvency and demand of citizens and legal entities on insurance services;
– lack of reliable instruments of long-term placement of insurance reserves;
– the information closeness of the market of insurance services creating problems for potential insurers in a choice of steady insurance companies;
– restriction of the competition in some sectors of the market of insurance services and in territories by creation of authorized insurance companies and barriers to foreign insurers;
– imperfection of legal and organizational support of the state insurance supervision;
– low level of capitalization of insurance companies, and also the backwardness of the national reinsurance market leading to unreasonable outflow of the considerable sums of an insurance premium abroad.
A large number of insurance substitutes belongs to the negative phenomena of the Russian reality. To the place of the pseudo-insurance products calculated on payment of a salary to the staff of the enterprise through life insurance which was widespread in the 1990th financial schemes with application of insurance of property and responsibility of legal entities began to come. The contributions of the enterprise paid on these types of insurance and carried on product cost (that is not
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assessed by taxes), are used for payment of extra fees to the employees through insurance companies.
The modern market of reinsurance in Russia is characterized by the small capacity that compels primary insurers to reinsure risks in the foreign reinsurance companies. However in recent years reinsurance is abroad available only to large insurance companies as in connection with global losses in the international insurance market, tariffs on reinsurance significantly increased. Also reinsurance conditions become tougher: for example, a number of standard exceptions of a covering (terrorism, losses owing to computer viruses is specified, etc.), requirements to balance of contracts become more rigid. However, all these events promote development of the domestic market of reinsurance, stimulate creation of reinsurance pools. So, for example, six leading Russian insurance companies founded a specialized Russian anti-terrorist pool which capacity makes 11 bln. dollars today.
Thus, difficulties of development of the Russian insurance are connected not only with common problems of development of this branch, but also with some features of the Russian transitional economy. Development of the relations of insurance is adequate to extent of development of the market relations, a standard of living of the population and a condition of infrastructure.
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INTRODUCTION
Air transport - the fastest and at the same time most expensive type of transport. The main scope of air transport - passenger traffic at distances over one thousand kilometers. Also also freight transportation is carried out, but their share is very low. In many remote areas (in mountains, the region of the Far North) air transport doesn't have alternatives.
The accidents which became frequent recently connected with the aviation sphere inevitably involve not only loss of human life, but also multimillion losses, both owners of aircrafts, and the third parties.
Reliable protection of the property interests and indemnification arising in connection with operation of aircrafts are offered by many companies which are carrying out insurance of all types of domestic and foreign aircrafts, and also all types of obligatory insurance of a civil liability of operators at the level of the international standards.
The insurer - insurance company ("Independent insurance group"), carries out insurance activity according to the License granted by body of insurance supervision.
Insurers - legal entities, irrespective of an organizational and legal form and form of ownership, and also natural persons - the individual entrepreneurs who signed with the Insurer the contract of insurance, including the air enterprises (operators) owning the aircraft on the property right, rent or other legal basis and having license for implementation of air transportation of passengers, freights or mail on the basis of contracts of air transportation.
Relevance of this subject of degree design is explained by that airlines as well as other players in business of air transportation feel need to insure the business
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from all types of insured events, thereby to protect itself from possible risks. The open joint stock company "Vostok Airline isn't an exception.
Object of research of this degree design is work of group of insurance companies in this JSC Vostok Airline.
The purpose of degree design is identification the most acceptable at the price and quality of insurance company in the sphere of transportations of this air enterprise.
For achievement of this purpose, the following tasks are set:
- to study system of insurance in the sphere of aviation services;
- to carry out the analysis of activity of work of Vostok airline in this area;
- to reveal the most favorable according to offers of insurance and the insurance company accepted on financial expenses.
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CONCLUSION
Having analysed work of insurance companies in the sphere of rendering services in the profile, I came to a conclusion that the most acceptable insurance company is the Ingosstrakh Open joint stock company for the following reasons:
-OSAO "Ingosstrakh" works at the international and internal markets since 1947;
-the company takes the leading positions among the Russian insurance companies on the sum of insurance premiums on voluntary insurance, other, than life insurance;
-"Ingosstrakh" has the right to carry out all types of insurance (taking into account specialization of insurers) established to Art. 32.9 of the Act of the Russian Federation "About the organization of insurance matter in the Russian Federation", and also reinsurance activity;
-the company is present at 220 Russian cities. Six representations and nine subsidiaries of the insurer work in the countries of the foreign and neighboring countries;
- the lowest insurance tariff (2,5% on voluntary insurance);
- reliability of the company (highest authorized headband of 17.500000 thousand rubles).
The conducted research on activity of insurance companies, allowed to prove what exactly JSC Ingosstrakh is the high-growth company in the market of insurance services, and also the most favorable and reliable partner for JSC Vostok Airline.
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