FEATURES OF PROPERTY INSURANCE FOR SMALL BUSINESSES: THE INTERACTION BETWEEN THE INSURANT AND THE INSURER
Abstract and keywords
Abstract (English):
Dlya malogo i srednego predprinimatel'stva v usloviyah neustoychivosti rynochnoy ekonomiki osobenno ostro stoit vopros zaschity biznesa. Deystvennym mehanizmom zaschity vystupaet strahovanie. Nesmotrya na shirokiy spektr variantov strahovaniya, naibol'shee kolichestvo kompensacionnyh vyplat prihoditsya na povrezhdeniya imuschestva ot vody i ognya (pozhara), chto svidetel'stvuet o vysokoy veroyatnosti nastupleniya ukazannyh strahovyh situaciy. No, kak pokazyvaet praktika, strahovaniyu kak sposobu zaschity interesov predprinimatel'stva ne udelyaetsya dostatochnogo vnimaniya. Aktual'nost' dannoy temy zaklyuchaetsya v tom, chto strahovanie imuschestva organizaciy i predpriyatiy - naibolee aktivnyy rychag gosudarstvennogo regulirovaniya social'no-ekonomicheskogo razvitiya, a takzhe strukturnyh izmeneniy v proizvodstve. Vnedrenie i rasshirenie strahovyh paketov na predpriyatii pozvolyaet rasshirit' ego proizvodstvennye vozmozhnosti, daet predpriyatiyu bol'shee kolichestvo finansovoy svobody. Problema sfery strahovaniya i sprosa na strahovye uslugi sostoit v tom, chto sistema strahovaniya, v tom chisle sistema imuschestvennogo strahovaniya, ne sovsem sootvetstvuet trebovaniyam segodnyashnego dnya i social'no-ekonomicheskomu razvitiyu gosudarstva. Strahovye kompanii predlagayut klientam mnozhestvo shozhih produktov, otlichayuschihsya lish' perechnem ohvatyvaemyh riskov i tarifami. V stat'e rassmatrivayutsya vazhnye aspekty imuschestvennogo strahovaniya sub'ektov malogo biznesa pri vzaimodeystvii strahovatelya i strahovschika, uchityvayuschie specifiku ih raboty i sootvetstvuyuschie riski; vyyavleny otlichiya dogovorov strahovaniya imuschestva yuridicheskogo lica ot analogichnyh dogovorov, zaklyuchaemyh s fizicheskimi licami, a takzhe razlichiya v samom processe strahovaniya imuschestva. Sistematizirovany ob'ekty, podlezhaschie strahovaniyu imuschestva, chto otrazheno v naglyadnom materiale, opredeleny problemy raboty v segmente strahovatelya, reshaemye pri pomoschi strahovaniya predpriyatiy malogo biznesa.

Keywords:
imuschestvo, strahovanie, malyy biznes, riski, strahovaya zaschita
Text
Publication text (PDF): Read Download
References

1. Akhvlediani, Yu. T., Insurance [Electronic resource]: manual for students studying on specialties «Finances and credit», «Accounting, analysis and audit». Moscow: YuNITI-DANA, 2012, 510 p. (In Russ.).

2. Balabanov I.T., Balabanova A.I., Insurance. St. Petersburg: Piter, 2002, 250 p. (In Russ.).

3. Bokareva E., Silayev A., Duborkina I., Development of small business in Russia: problems and solutions. Servis v Rossii i za rubezhom, vol. 10, no. 1 (62), 2016, pp. 174-185. (In Russ.).

4. Bokareva E.V., Zhuravleva N.V., Glinkina E.V., Abrameitseva E.A., Biryukov A.N., Kozhukhova O.S., Krutova I.N., Khusainova L.A., Chernov S.S. Problems of Economics and management of enterprises, branches, complexes. Book 15. Novosibirsk, 2011, 199 p. (In Russ.).

5. Selyanina E.N., Everything you need to know about insurance of business risks Planovo-ekonomicheskii otdel, no. 12, 2014. (In Russ.). Available at: http://www.profiz.ru/peo/12_2014/strahovanie_riskov (Accessed on December 1, 2016).

6. Insurance Agency “ Gelaksi insurance “. Insurance risks for small business: why are small businesses so important to insurance? (In Russ.). Available at: http://galaxyinsurance.ru/poleznoe/blog/strahovanie- riskov-malogo-biznesa (Accessed on December 1, 2016).

7. Yarotskaya E.V., The problem of making decisions about the appropriateness of property insurance of enterprises. Izvestiya Dal’nevostochnogo federal’nogo universiteta. Ekonomika i upravlenie, no. 2, 2005, pp. 32-39. (In Russ.).

8. Silaeva A.A., Karmanova T.E., Atamanova M.A., Podsevalova E.N., Mityurnikova L.A., Peculiarities of improving internal financial control in the russian corporations. Journal of Applied Economic Sciences, vol. 11, no. 7, 2016, pp. 78-86. (In Russ.).

Login or Create
* Forgot password?