Научно-методический журнал спецвыпуск №1 2021

Figure 2.
Тhreats posed to insurance companies in the Ukrainian 
market
Threats facing insurance companies in Ukraine
loss of effective demand from policyholders and political 
and economic instability 
high inflation (inflationary barriers to the development of 
long-term insurance)
low capitalization of the insurance market and 
underdeveloped institutional structure
reducing the level of financial security of the insurance 
market (market entry into recession)
rising prices for services and an underdeveloped system of 
insurance intermediaries
Figure 3. 
Destabilizing factors affecting the financial security of the insurance company
Destabilizing factors
•
lack of a clear state policy in the field insurance; 
•
incomplete and sometimes inconsistent regulatory framework; 
•
insufficient level state regulation and control insurance market; 
•
inconsistency of actions on organization of state insurance supervision activities; 
•
unresolved issues of interaction insurance and banking sectors of the economy.
•
low solvent demand for legal and individuals for insurance services; 
•
high inflation rate; 
•
the need for reinsurance the greatest risks abroad.
•
relatively narrow range of insurance services provided to clients; 
•
imbalance of insurance portfolios; 
•
low manufacturability of insurance operations.
•
insufficient professional level of specialists working in the insurance company; 
•
lack of strict qualification requirements for them;
•
lack of qualified managers.
Organizational and 
legal
Economic
Functional
Personnel

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