{"title":"宏观经济因素对乌克兰保险制度发展的影响","authors":"Tetiana Yavorska, L. Voytovych, D. Voytovych","doi":"10.21511/ins.13(1).2022.03","DOIUrl":null,"url":null,"abstract":"The functioning of the insurance system is associated with the dynamics of development and the current state of the economy, the political and social situation in a country, the legal field of operation of both insurance companies and economic agents. That is why the effective development of the insurance system is impossible without a deep understanding of the factors of the macroeconomic environment that can determine the scale of insurance activity. The aim of the study is to identify and determine the impact of macroeconomic factors on the development of the insurance system in Ukraine. To analyze the exogenous factors influencing the development of the insurance system, the study uses the method of PESTL analysis, as a result of which the strength of the influence of factors was assessed by insurance experts through a questionnaire. It is determined that political factors play an important role in the development of the insurance system. It is proved that economic factors influencing the insurance system have a direct impact, since the decline in production, rising inflation, which is reflected in the reduction of purchasing power of the population, leads to a reduction in insurance premiums to insurance companies. Social factors influencing the development of the insurance system manifest themselves through trust in insurers, which is the catalyst for the development of the insurance system. Technological factors influencing the development of the insurance system are represented by the level of development of innovations and technologies in insurance, the level of penetration of the Internet and mobile gadgets into the insurance system, the degree of globalization and openness of the insurance system. It is determined that legal factors are inhibitors of the development of the insurance system, as they do not create appropriate conditions for its improvement and development. It is concluded that economic factors have the greatest impact on the development of the insurance system and the functioning of its elements.\nAcknowledgmentsThe authors with to thank V. S. Krupka, Certified consultant of IC “OVB Alfinance Ukraine”, kvolody@ukr.net; V. O. Plyuta, Director of Khmelnytskyj Branch of IC “Providna”, Head of the Center for Reception and Customer Service in Khmelnytskyj, v.plyuta@providna.com.ua; and V. V. Kulchytskyi-Polyvko, Deputy Director of the Center for Corporate Sales Development in the Western Region of IC “Unika”, office@uniqa.ua.","PeriodicalId":32827,"journal":{"name":"Insurance Markets and Companies","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2022-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"3","resultStr":"{\"title\":\"The impact of macroeconomic factors on the development of the insurance system in Ukraine\",\"authors\":\"Tetiana Yavorska, L. Voytovych, D. Voytovych\",\"doi\":\"10.21511/ins.13(1).2022.03\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The functioning of the insurance system is associated with the dynamics of development and the current state of the economy, the political and social situation in a country, the legal field of operation of both insurance companies and economic agents. That is why the effective development of the insurance system is impossible without a deep understanding of the factors of the macroeconomic environment that can determine the scale of insurance activity. The aim of the study is to identify and determine the impact of macroeconomic factors on the development of the insurance system in Ukraine. To analyze the exogenous factors influencing the development of the insurance system, the study uses the method of PESTL analysis, as a result of which the strength of the influence of factors was assessed by insurance experts through a questionnaire. It is determined that political factors play an important role in the development of the insurance system. It is proved that economic factors influencing the insurance system have a direct impact, since the decline in production, rising inflation, which is reflected in the reduction of purchasing power of the population, leads to a reduction in insurance premiums to insurance companies. Social factors influencing the development of the insurance system manifest themselves through trust in insurers, which is the catalyst for the development of the insurance system. Technological factors influencing the development of the insurance system are represented by the level of development of innovations and technologies in insurance, the level of penetration of the Internet and mobile gadgets into the insurance system, the degree of globalization and openness of the insurance system. It is determined that legal factors are inhibitors of the development of the insurance system, as they do not create appropriate conditions for its improvement and development. It is concluded that economic factors have the greatest impact on the development of the insurance system and the functioning of its elements.\\nAcknowledgmentsThe authors with to thank V. S. Krupka, Certified consultant of IC “OVB Alfinance Ukraine”, kvolody@ukr.net; V. O. Plyuta, Director of Khmelnytskyj Branch of IC “Providna”, Head of the Center for Reception and Customer Service in Khmelnytskyj, v.plyuta@providna.com.ua; and V. V. Kulchytskyi-Polyvko, Deputy Director of the Center for Corporate Sales Development in the Western Region of IC “Unika”, office@uniqa.ua.\",\"PeriodicalId\":32827,\"journal\":{\"name\":\"Insurance Markets and Companies\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-05-25\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"3\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Insurance Markets and Companies\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.21511/ins.13(1).2022.03\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"Economics, Econometrics and Finance\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Insurance Markets and Companies","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.21511/ins.13(1).2022.03","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"Economics, Econometrics and Finance","Score":null,"Total":0}
引用次数: 3
摘要
保险制度的运作与发展的动态和当前的经济状况、一个国家的政治和社会状况、保险公司和经济代理人的法律运作领域有关。这就是为什么如果不深入了解能够决定保险活动规模的宏观经济环境因素,保险制度就不可能有效发展的原因。这项研究的目的是确定和确定宏观经济因素对乌克兰保险制度发展的影响。为了分析影响保险制度发展的外生因素,本研究采用了PESTL分析的方法,由保险专家通过问卷调查的方式评估各因素的影响强度。确定了政治因素在保险制度发展中的重要作用。事实证明,影响保险制度的经济因素有直接的影响,因为生产下降,通货膨胀上升,体现为人口购买力的下降,导致保险公司的保险费减少。影响保险制度发展的社会因素主要表现为对保险人的信任,对保险人的信任是保险制度发展的催化剂。影响保险制度发展的技术因素表现为保险创新和技术的发展水平、互联网和移动设备对保险制度的渗透水平、保险制度的全球化程度和开放程度。确定法律因素是保险制度发展的抑制因素,因为法律因素没有为保险制度的完善和发展创造适当的条件。研究认为,经济因素对我国保险制度的发展及其要素的运行影响最大。感谢IC“OVB Alfinance Ukraine”认证顾问v.s. Krupka, kvolody@ukr.net;V. O. Plyuta, IC“Providna”赫梅利尼茨基分行主任,赫梅利尼茨基接待和客户服务中心负责人,v.plyuta@providna.com.ua;V. V. kulchytsky - polyvko, IC“Unika”西部地区企业销售发展中心副主任,office@uniqa.ua。
The impact of macroeconomic factors on the development of the insurance system in Ukraine
The functioning of the insurance system is associated with the dynamics of development and the current state of the economy, the political and social situation in a country, the legal field of operation of both insurance companies and economic agents. That is why the effective development of the insurance system is impossible without a deep understanding of the factors of the macroeconomic environment that can determine the scale of insurance activity. The aim of the study is to identify and determine the impact of macroeconomic factors on the development of the insurance system in Ukraine. To analyze the exogenous factors influencing the development of the insurance system, the study uses the method of PESTL analysis, as a result of which the strength of the influence of factors was assessed by insurance experts through a questionnaire. It is determined that political factors play an important role in the development of the insurance system. It is proved that economic factors influencing the insurance system have a direct impact, since the decline in production, rising inflation, which is reflected in the reduction of purchasing power of the population, leads to a reduction in insurance premiums to insurance companies. Social factors influencing the development of the insurance system manifest themselves through trust in insurers, which is the catalyst for the development of the insurance system. Technological factors influencing the development of the insurance system are represented by the level of development of innovations and technologies in insurance, the level of penetration of the Internet and mobile gadgets into the insurance system, the degree of globalization and openness of the insurance system. It is determined that legal factors are inhibitors of the development of the insurance system, as they do not create appropriate conditions for its improvement and development. It is concluded that economic factors have the greatest impact on the development of the insurance system and the functioning of its elements.
AcknowledgmentsThe authors with to thank V. S. Krupka, Certified consultant of IC “OVB Alfinance Ukraine”, kvolody@ukr.net; V. O. Plyuta, Director of Khmelnytskyj Branch of IC “Providna”, Head of the Center for Reception and Customer Service in Khmelnytskyj, v.plyuta@providna.com.ua; and V. V. Kulchytskyi-Polyvko, Deputy Director of the Center for Corporate Sales Development in the Western Region of IC “Unika”, office@uniqa.ua.