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5. Hulsmann J.G. The Political Economy of Moral Hazard, Politicka ekonomie. Prague, 2006. P. 35-47.
References / Список литературы
1. Наша главная цель - решительно идти по пути широкомасштабных реформ и модернизации страны. Доклад Президента Республики Узбекистан Ислама Каримова на заседании Кабинета Министров, посвященном итогам социально-экономического развития в 2012 году и важнейшим приоритетам экономической программы на 2013 год. [Электронный ресурс]. Режим доступа: http://www.press-service.uz/ru/news/show/dokladi/doklad_prezidenta_respubliki_uzbekist_1/# (дата обращения: 05.04.2013).
2. Партнерства Группы Всемирного банка и Узбекистана. Краткий отчет о деятельности. [Электронный ресурс]. Стр. 5-6. Режим доступа: http://www.worldbank.org/content/dam/Worldbank/document/UzbekistanSnapshot-rus.pdf/ (дата обращения: 25.05.2014).
3. Финансы в розницу. Доклад «Финансовая либерализация: условия развития розничного банковского бизнеса в Узбекистане». ЦЭИ. Экономическое обозрение. № 5. Ташкент, 2013. С. 32-39.
4. Абатурова B. Экономическое бессилие. Экономическое обозрение. № 2. Ташкент, 2013. С. 42.
5. Hulsmann J.G. Политическая экономия морального риска. Politicka ekonomie. Прага, 2006. С. 35-47.
THE MARKET OF INSURANCE SERVICES OF REPUBLIC
KAZAKHSTAN Dalke A.Y. (Republic of Kazakhstan) Email: Dalke425@scientifictext.ru
Dalke Alyona Yuri'evna - master of economic sciences, senior teacher,
FACULTY FINANCE AND STATISTICS, SCHOOL OF THE FINANCE AND TECHNOLOGIES JSC NARXOZ
Abstract: in article the market of insurance services of Republic Kazakhstan is considered: the insurance organizations-leaders of the market are certain, dynamics of concentration of insurance sector in a national economy for 2010-2015. Is presented is brought to a focus to comparison of a fraction of the insurance market to GDP of republic with a similar parameter of the countries of the Europe. The brief analysis of deliveries of insurance premiums in a cut of branches « general insurance » and "life insurance " with calculation of relative density of the most popular types of insurance is lead. Some problems connected with a low level penetration of insurance branch into a national economy are certain. Keywords: the market of insurance services, the general insurance, life insurance, the flow, disbursement.
РЫНОК СТРАХОВЫХ УСЛУГ РЕСПУБЛИКИ КАЗАХСТАН Дальке А.Ю. (Республика Казахстан)
Дальке Алена Юрьевна - магистр экономических наук, старший преподаватель, кафедра финансов и статистики, Школа финансов и технологий, АО Университет Нархоз, г. Алматы, Республика Казахстан
Аннотация: в статье рассмотрен рынок страховых услуг Республики Казахстан, определены страховые организации-лидеры рынка, представлена динамика концентрации страхового сектора в экономике страны за 2010 - 2015 г. Акцентировано внимание на сравнении доли страхового рынка в ВВП республики с аналогичным показателем стран Европы. Проведен краткий анализ поступлений страховых премий в разрезе отраслей «общее страхование» и «страхование жизни» с расчетом удельного веса наиболее популярных видов страхования. Определены некоторые проблемы, связанные с низким уровнем проникновения страховой отрасли в экономику страны.
Ключевые слова: рынок страховых услуг, общее страхование, страхование жизни, поступления, выплаты.
For the moment the further improving of the market of insurance services of Kazakhstan is the major direction of financial and economic policy of republic. It is caused by that insurance companies possessing significant temporarily free monetary resources, and being potential investors, bring the serious contribution to social and economic progress of the country.
The domestic insurance sector for years of independence has passed a hard way of transformations. In the beginning of independence in the insurance market of the young country some hundreds insurers that became consequence of the state demonopolization of insurance activity were totaled [1, p. 64].
Increase of requirements to sufficiency of own capital and instability of financial aspect in the country has led to that some companies have been compelled to stop the activity, or were absorbed by more successful competitors. At the moment the insurance market of Kazakhstan is presented by 32 insurance organizations, from which 7 - on life insurance. Other companies work under the diagram non-life. Activity of the Kazakhstan insurance organizations is regulated by the Constitution, the Civil code (chapter 40), the Law «Insurance activity» and other normative legal certificates of republic.
Leaders in the market of insurance in Kazakhstan are 5 companies among themselves have divided more than half of market. Dominating positions are occupied participants of bank conglomerates and financial and industrial groups: JSC "IC" Eurasia, JSC "IC" Victoria, JSC «Halyk Kazakh-instrach», JSC "IC" Kazkommerts Policy and JSC "IC" Kaspi Insurance.
Currently the rate of the insurance market in economy is marginally, and does not take considerable role (table 1).
Table 1. Dynamics of concentration of insurance sector in economy ofRK For 2010 - 2015, one million tenge
Years 2010 2011 2012 2013 2014 2015
GDP, billions, $ 148,05 200,38 215,9 243,78 227,44 184,36
Rate of the insurance market to GDP 0,80% 0,70% 0,69% 0,81% 0,69% 0,70%
Source: National bank http://www.nationalbank.kz [2] 19 ■ European science № 3(25)
For the last some years the fraction of the insurance market to GDP has not reached even unit. In the beginning of January, 2017 the rate of insurance premium in GDP of the country made 0,80%. For comparison, in the countries of the Europe the total premiums to GDP stands at an about 8%. This indicator in the Netherlands (12,5%), the Great Britain (12,2%), Finland (11,3%) is especially high [3].
Insurance in republics are being implemented by 2 sectors: «the general insurance» and "life insurance" (table 2).
Table 2. The flow of insurance premiums to sectors of insurance
The flow of insurance premiums to sectors of insurance 01.01.2015 01.01.2016 01.01.2017
Millions tenge In % to a resul t Millions tenge In % to a resul t Millions tenge In % to a resul t
In total sectors of insurance 266 120,9 100 288 273 100 356 904 100
Life insurance 46 987,2 17,7 55 045 19,1 55 739 15,6
The general insurance 219 133,8 82,3 233 228 80,9 301 165 84,4
Source: National bank http://www.nationalbank.kz [2]
The lagest rate in the flow of insurance premiums is the sector «General insurance», a part of 84,4% in January 2017. In structure of the flow of insurance premiums in the sector "life insurance", annuity insurance made 51%, and life insurance - 49%. In structure «general insurance» the highest specific weight made with property insurance (21%), further follow from proportion of 13% civil-law responsibility (C-LR) and mandatory C-LR owners of transport equipment.
In mandatory insurance more than half of insurance compensations it is necessary on C-LR owners of transport equipment, a quarter - to insurance-worker from accidents at execution of labour obligations.
In voluntary personal insurance the overwhelming rate of disbursement made by contracts of insurance in the case of disease and retirement annuity.
It should be pointed out, that insurance in Kazakhstan is at the initial stage of progress characterizing advancing of growth premiums above a level of disbursement. Increase of insurance premiums on the level of decrease of insurance compensations, nevertheless, does not assist adequate growth of profit of insurance companies. First of all it explained by a high level acquisition expenses leading to lower level of competition and decrease influence of market factors on competitiveness of insurance business.
As a whole, the insurance market of Kazakhstan shows considerable progress. Demonstrates the increase of volume of insurance premiums more than ten times over the past ten years acts. It is necessary to note such significant events as: creation of Fund of warranting of insurance compensations, expansion of the list of mandatory types of insurance, creation of State corporation on insurance of export, increase of requirements to capitalization of the insurance organizations, introduction of college independent actuary and other. Undoubtedly, certain influence on the insurance market of Kazakhstan will render introduction of a mandatory social health coverage since July, 2017.
World experience shows, that volumes of the markets of insurance grow proportionally to economy. In this plan, in Kazakhstan in modern conditions the insurance market has considerable opportunity progresses of traditional types of services of personal insurance and expansion of their new types.
Список литературы на английском языке /References in English
1. Dalke A.Y., Massakova S.S. Strahovoj rynok Kazahstana: sovremennyj jetap razvitija. The insurance market of Kazakhstan: current stage of development // Problemy sovremennoj nauki i obrazovanija. Problems of Modern Science and Education, 2016. №10 (52). P.64-67. [in Russian].
2. Analiz strahovogo sektora Respubliki Kazahstan. The analysis of insurance sector of Republic Kazakhstan. AO «Rejtingovoe agentstvo Regional'nogo finansovogo centra goroda Almaty». JSC «Rating agency of Regional financial city centre Almaty».
3. Tekushhee sostojanie strahovogo sektora Respubliki Kazahstan. A current condition of insurance sector of Republic Kazakhstan. [Electronic resource]. Oficial'nyj sajt Nacional'nogo banka Respubliki Kazahstan. The Official site of National bank of Republic Kazakhstan. URL: http: // www.nationalbank.kz/ (date of access: 19.02.2017).
Список литературы / References
1. Дальке А.Ю., Масакова С.С. Страховой рынок Казахстана: современный этап развития // Проблемы современной науки и образования, 2016. № 10 (52). С. 64 -67.
2. Анализ страхового сектора Республики Казахстан. АО «Рейтинговое агентство Регионального финансового центра города Алматы».
3. Текущее состояние страхового сектора Республики Казахстан. [Электронный ресурс]: Официальный сайт Национального банка Республики Казахстан. URL: http://www.nationalbank.kz/ (дата обращения: 19.02.2017).
THE PERSPECTIVES OF USING RENEWABLE ENERGY IN
RUSSIA
Elizar'eva M.S. (Russian Federation) Email: Elizar'eva425@scientifictext.ru
Elizar'eva Marija Sergeevna - student, THE DEPARTMENT OF BUSINESS INFORMATICS, INSTITUTE OF MANAGEMENT BUSINESS-PROCESS AND ECONOMY, SIBERIAN FEDERAL UNIVERSITY, KRASNOYARSK
Abstract: the article presents data on the sources of electricity in Russia, analyzes the dynamics of tariffs for electricity. The types of renewable energy sources and the advantages of their use in comparison with traditional sources are given. The reasons for the low popularity of renewable energy sources in Russia. An example is given of the experience of using renewable energy sources in Germany and local energy legislation. The conditions for the effective use of renewable energy sources in Russia are considered. Keywords: electricity, renewable energy, unconventional energy sources.
