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Analyzing innovation processes in the Russian insurance market

Tsvetkova L.I. Moscow State Institute of International Relations (University) of Ministry of Foreign Affairs of Russian Federation (MGIMO University), Moscow, Russian Federation ( l.tsvetkova@inno.mgimo.ru )

Journal: Economic Analysis: Theory and Practice, #7, 2019

Subject The article analyzes innovative initiatives in the insurance market.
Objectives The purpose of the study is to investigate the efficiency of innovation introduced into the business processes of insurance companies that relate to market regulator initiatives.
Methods The methodology rests on provisions of the stakeholder theory. To substantiate the presented positions, I also use methods of graphic and statistical analysis.
Results The paper formulates special indicators to assess the cost effectiveness of projects to introduce innovation in the insurance market. The indicators may be helpful to plan and control the profitability of innovation projects.
Conclusions The innovations introduced at the initiative of the Bank of Russia are ineffective for insurance market development. The Russian insurance market is characterized by high sensitivity of all stakeholders to the level of return on investment in innovation. If there is no return on investment, the low attractiveness of insurance in the investment market, personnel market and insurance market will provide the basis for increasing monopolization.


Managing the ineffective capital structure risk in an insurance company

Tsvetkova L.I. Moscow State Institute of International Relations of Ministry of Foreign Affairs of Russian Federation (MGIMO University), Moscow, Russian Federation ( l.tsvetkova@inno.mgimo.ru )

Journal: National Interests: Priorities and Security, #10, 2019

Subject The article investigates how the structure of key financial indicators of the insurer's activity works to manage the investment attractiveness risk of key stakeholders of insurance companies and analyzes the risk assessment.
Objectives The research is aimed to find the leveraged ratio of insurance coverage to insurance premium in line with risks arising from their uncontrolled growth.
Methods The research is based on my own method to assess the appropriate amount of equity and insurance premiums as borrowings so as to calculate the leveraged rate of return on capital with the amount of equity being given. In addition, I applied methods of statistical and graphic analysis.
Results Applying the model proposed by A. Gregory to assess the optimal rate of return on capital, I note the excessive capitalization of the insurance sector and inefficiency of the requirement to increase the share capital of the Russian insurance companies. If the proposed method is used, this will underlie the proportionate requirement to capitalization of average regional insurers.
Conclusions and Relevance The article demonstrates that it is efficient to use structural financial ratios, such as return on capital and ratio of insurance coverage to insurance premiums under contracts so as to control financial sustainability risks and risks of investment attractiveness for investors and insured.


The analysis of influence of financial crisis on building development

Tsvetkova E.A. The competitor of a scientific degree Cand.Econ.Sci. of Faculty «Economy and management», Natalya Nesterova`s Academy ( TsvetkovaElena777@rambler.ru )

Journal: Finance and Credit, #40, 2010

In article influence of financial crisis on development of building branch in Russia and Moscow in 2008-2009 is analyzed.


Estimation of branch risk on the example of building branch

Tsvetkova E.A. The competitor of a scientific degree Cand.Econ.Sci. of Faculty «Economy and management», Natalya Nesterova`s Academy ( TsvetkovaElena777@rambler.ru )

Journal: Finance and Credit, #37, 2010

In article one of components of a rating estimation of credit status - branch risk on an example of building branch in the conditions of a system economic crisis of 2008-2009 is considered.


The analysis of approaches to the estimation of credit status of the organizations

Tsvetkova E.A. The competitor of a scientific degree Cand.Econ.Sci. of Faculty «Economy and management», Natalya Nesterova`s Academy ( TsvetkovaElena777@rambler.ru )

Journal: International Accounting, #24, 2011

In article merits and demerits of not rating and rating techniques of an estimation of credit status are analyzed, the modified rating technique based on the likelihood approach is offered.


Bank crediting of building in the conditions of crisis

Tsvetkova E.A. The competitor of a scientific degree Cand.Econ.Sci. of Faculty «Economy and management», Natalya Nesterova`s Academy ( TsvetkovaElena777@rambler.ru )

Journal: Finance and Credit, #33, 2010

The article is devoted to the basic strategy of bank investment crediting of building in the conditions of a system economic crisis. Parameters of working out of new credit products for the building enterprises are considered.


Business community competencies research: A regional profile

Belokur O.S. Volga State University of Technology (VSUT), Yoshkar-Ola, Mari El Republic, Russian Federation ( GrozovaOS@volgatech.net )

Tsvetkova G.S. Volga State University of Technology (VSUT), Yoshkar-Ola, Mari El Republic, Russian Federation ( CvetkovaGS@volgatech.net )

Journal: Regional Economics: Theory and Practice, #11, 2019

Subject This article explores the competencies and skills of the business community and the socio-demographic characteristics of entrepreneurs in the region, formed under the influence of local conditions.
Objectives The article aims to examine the competency level of regional entrepreneurs.
Methods For the study, we used descriptive, structural and logical, and statistical analyses, and sociological survey and questionnaires.
Results The article describes a socio-economic profile and skills level of the entrepreneur of the provincial region, whose main areas of activity are industry, trade and agriculture.
Conclusions The Mari El Republic has a good entrepreneurial potential. This is proved true by assessing the business community competency level.


Ensuring investment attractiveness of the insurance industry by planning the expected shareholder profit in the conditions of risk

Tsvetkova L.I. Moscow State Institute of International Relations (University) of Ministry of Foreign Affairs of Russian Federation, Moscow, Russian Federation ( mila-c@yandex.ru )

Journal: Finance and Credit, #5, 2018

Importance Low investment attractiveness of insurance business impedes the expansion of insurance role in economy. The share capital risk level and the provided joint-stock profit do not compile one another. The subject of the work is planning of activity indicators of the insurer in order to level such discrepancy.
Objectives This article deals with conflicts of interests of insurers and shareholders. The paper aims to solve the problems by planning management indicators both formed by shareholders capital and the insurers capital.
Methods The author uses financial model of usefulness assessment of the capital. It takes into account risk and the model of exponential capital growth. The model forms a method of assessment of payment for ensuring interests of both the insurer's principals.
Results The offered technique allows to plan the net-premiums volume under existing contracts. It is necessary for providing the forthcoming obligations of the insurer.
Conclusions and Relevance The research states that such estimation of insurance cost will allow to strengthen reputation of insurance companies and help to attract both consumers and investors.


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