Оцінювання фінансової стійкості страхової компанії як базис управлінської діяльності
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Файли
Дата
2019
Автори
Приступа, Л.А.
Prystupa, L.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
В роботі наведено результати досліджень щодо обґрунтування системних засад оцінювання фінансової стійкості
вітчизняної страхової компанії як ключового елементу підвищення якості та ефективності функціонування системи
фінансового управління страховика.
The article is defined that the financial stability management system of an insurance company is a set of management tools that management entities apply and aim at ensuring the financial stability of an insurance company. The methodical basis of the financial stability management system of the insurance company is information and analytical support, which depends on the completeness, reliability and timeliness of the overall level of efficiency of the management system. The study of the methodological basis of analytical work developed by the specialists revealed absence of a system of integrated assessment of the effectiveness of management of the financial stability of the insurance company on the basis of key indicators that would fully reveal the specifics of insurance activity and provide an opportunity to respond to changes in the external and internal environment. To this end, the system of relative factors has been formed and its practical testing has been carried out according to the data of PJSC "ІC "Euroins Ukraine". The results of the analytical study of the effectiveness of the financial stability management system of PJSC "ІC "Euroins Ukraine " have become not only the basis for a retrospective comparative assessment, but also the source of the need to find directions and opportunities for its improvement in the overall system of financial management of the insurer. Focusing on the feasibility of using SWOT-analysis as an instrument of the financial stability management system of the insurance company, the strengths and weaknesses of the development are defined, the possibilities and threats of the activity of PJSC "ІC "Euroins Ukraine" are identified. The results of the research on the effectiveness of the financial stability management system of PJSC "ІC "Euroins Ukraine" demonstrated the need to improve both the tariff policy, marketing activities, the concept of reinsurance of risks and a thorough review of key aspects of financial management, in particular, regarding optimization of the structure of assets and capital, reducing the expenditure part, intensification financial and investment activity and increase its efficiency.
The article is defined that the financial stability management system of an insurance company is a set of management tools that management entities apply and aim at ensuring the financial stability of an insurance company. The methodical basis of the financial stability management system of the insurance company is information and analytical support, which depends on the completeness, reliability and timeliness of the overall level of efficiency of the management system. The study of the methodological basis of analytical work developed by the specialists revealed absence of a system of integrated assessment of the effectiveness of management of the financial stability of the insurance company on the basis of key indicators that would fully reveal the specifics of insurance activity and provide an opportunity to respond to changes in the external and internal environment. To this end, the system of relative factors has been formed and its practical testing has been carried out according to the data of PJSC "ІC "Euroins Ukraine". The results of the analytical study of the effectiveness of the financial stability management system of PJSC "ІC "Euroins Ukraine " have become not only the basis for a retrospective comparative assessment, but also the source of the need to find directions and opportunities for its improvement in the overall system of financial management of the insurer. Focusing on the feasibility of using SWOT-analysis as an instrument of the financial stability management system of the insurance company, the strengths and weaknesses of the development are defined, the possibilities and threats of the activity of PJSC "ІC "Euroins Ukraine" are identified. The results of the research on the effectiveness of the financial stability management system of PJSC "ІC "Euroins Ukraine" demonstrated the need to improve both the tariff policy, marketing activities, the concept of reinsurance of risks and a thorough review of key aspects of financial management, in particular, regarding optimization of the structure of assets and capital, reducing the expenditure part, intensification financial and investment activity and increase its efficiency.
Опис
Ключові слова
страхова компанія, фінансова стійкість, система управління, оцінювання, SWOT-аналіз, insurance company, financial stability, management system, evaluation, SWOT-analysis
Бібліографічний опис
Приступа, Л.А. Оцінювання фінансової стійкості страхової компанії як базис управлінської діяльності [Текст] / Л. А. Приступа // Вісник Хмельницького національного університету. Економічні науки. – 2019. – №2. – С. 16-22.