29
СОДЕРЖАНИЕ
Введение
1. Личное страхование
1.1. Сущность и разновидности личного страхования
1.2. Страхование как экономическая категория
1.3. Правовое регулирование сферы страхования
1.4. Международный опыт личного страхования на примере США
2. Анализ современного состояния рынка личного страхования России
2.1. Общая ситуация на рынке личного страхования
2.2. Сравнительный анализ видов личного страхования
2.3. Страхователи и страховщики: анализ взаимоотношений
3. Личное страхование – социальная защита населения
3.1. Роль личного страхования в жизни общества
3.2. Проблемы развития сферы личного страхования и пути их решения
3.3. Перспективы развития рынка личного страхования
Заключение
Список использованных источников
Приложение. Показатели страховых премий и выплат, 2004-2006 г.г
ВВЕДЕНИЕ
Личное страхование в нашей стране на протяжении многих десятилетий
являлось основой всей системы страхования. В условиях нестабильной
экономики, инфляции, высокого налогового бремени, недостаточности
свободных средств у граждан и предприятий, потери доверия населения к
финансовым институтам личное страхование потеряло свою популярность, а
система долгосрочного страхования практически разрушена. Личное
страхование – важная составляющая формирования финансового рынка,
позволяющая, с одной стороны, повысить социальную защищенность граждан,
а с другой – создавать крупные инвестиционные ресурсы, финансировать
серьезные государственные и коммерческие проекты в различных отраслях
экономики. Отсутствие страховой культуры, психология потенциальных
страхователей, а также возрастающее различие в уровне доходов населения
не позволяют привлекать денежные средства широких слоев населения в
страховые фонды. Все это говорит об актуальности темы курсовой работы –
об актуальности рассмотрения вопросов, связанных со сферой личного
страхования, и нахождения путей их решения. Цель работы – разностороннее
рассмотрение современного состояния системы личного страхования в
России, определение роли и значения страхования в жизни общества и в
экономике страны, определение перспектив развития страхования. Для
достижения цели работы были решены следующие задачи: определено значение
системы страхования в экономике России, для сравнения рассмотрена
организация страхования в стране с развитой экономикой – США.
Проанализированы конкретные показатели рынка страховых услуг: динамика
премий и выплат за последние 3 года, предпочтения страхователей по видам
личного страхования и т.д. Определены проблемы сферы личного
страхования, мешающие ее развитию, обозначены возможные пути их решения.
Сделан прогноз о будущем системы страхования в России и обоснована
необходимость совершенствования системы личного страхования.
1. ЛИЧНОЕ СТРАХОВАНИЕ
1.1. Сущность и разновидности личного страхования
Страхование – это способ возмещения убытков, которые потерпело
физическое или юридическое лицо, посредством их распределения между
многими лицами (страховой совокупностью). Возмещение убытков
производится из средств страхового фонда, который находится в ведении
страховой организации (страховщика). Страхование может осуществляться в
обязательной (в силу закона) и добровольной (как взаимное волеизъявление
сторон) формах. По объектам страхования различают личное, имущественное
и страхование ответственности.
Личное страхование – система отношений между страхователями и
страховщиками по оказанию страховой услуги, когда защита интересов
связана с жизнью, здоровьем, трудоспособностью и пенсионным обеспечением
страхователей или застрахованных. Страхователями по личному страхованию
могут выступать как физические, так и юридические лица, а
застрахованными – только физические лица. В соответствии с
классификацией видов страхования, личное страхование включает в себя:
1. Страхование жизни:
· страхование жизни на случай смерти, дожития до определенного возраста
или срока либо наступления иного события;
· страхование жизни с условием периодических страховых выплат (ренты,
аннуитетов) и (или) с участием страхователя в инвестиционном доходе
страховщика.
2. Пенсионное страхование – вид личного страхования, при котором
страхователь единовременно или в рассрочку уплачивает страховой взнос, а
страховщик берет на себя обязательство периодически выплачивать
застрахованному пенсию. Различают временную и пожизненную пенсии.
3. Страхование от несчастных случаев и болезней предусматривает выплату
страховой суммы (полностью или частично) в связи с наступлением
неблагоприятных явлений (или их последствий), связанных с жизнью и
здоровьем страхователя (застрахованного).
4. Медицинское страхование. Целью медицинского страхования является
компенсация (полная или частичная) дополнительных расходов
застрахованного, которые вызваны его обращением в медицинское учреждение
за медицинскими услугами, включенными в программу медицинского
страхования. Страховым случаем здесь является обращение застрахованного
в медицинское учреждение для получения лечебной, консультационной или
иной помощи.
Взаимные обязательства страхователя и страховщика регулирует договор
страхования. По договору страхования одна сторона (страховщик) обязуется
за обусловленную договором плату (страховую премию), уплачиваемую другой
стороной (страхователем), выплатить единовременно или выплачивать
периодически обусловленную договором сумму (страховую сумму) в случае
наступления предусмотренного договором события (страхового случая).
1.2. Страхование как экономическая категория
Как экономическая категория страхование представляет систему
экономических отношений, включающую совокупность форм и методов
формирования целевых фондов денежных средств и их использование на
возмещение ущерба при различных рисках, а также на оказание помощи
застрахованным лицам при наступлении определенных событий в их жизни
[20, с. 10]. Оно выступает, с одной стороны, средством защиты бизнеса и
благосостояния людей, а с другой – видом деятельности, приносящим доход.
Источниками прибыли страховой организации служат доходы от страховой
деятельности, от инвестиций временно свободных средств в объекты
производственной и непроизводственной сфер деятельности, акции
предприятий, банковские депозиты и т.д.
Страхование снижает нагрузку на расходную часть бюджета (поскольку
возмещаются убытки при наступлении непредвиденных природных и
техногенных явлений), позволяет успешно решать вопросы социального
обеспечения, являясь важнейшим элементом социальной системы государства.
Страхование позволяет привлечь в экономику значительные инвестиционные
ресурсы. В развитых странах страхование в силу своей специфики и
выполняемых функций является стратегическим сектором экономики.
Экономической сущности страхования соответствуют его функции.
Большинство экономистов выделяют следующие функции: рисковая,
предупредительная, контрольная и сберегающая.
Главной является рисковая функция, т.к. страховой риск, как вероятность
ущерба, связан с основным назначением страхования – оказание денежной
помощи пострадавшим лицам. Именно в рамках действия рисковой функции
происходит перераспределение денежной формы стоимости среди участников
страхования в связи с последствиями случайных страховых событий.
Предупредительная функция предполагает широкий комплекс мер,
направленных на финансирование мероприятий по недопущению или уменьшению
последствий несчастных случаев. Экономическая сущность этой функции в
том, что, располагая страховыми фондами, компания заинтересована в
длительном использовании этих средств. Имея на защите многочисленные, в
том числе однородные риски различных субъектов, страховая компания
стремится к сокращению вероятности выплат путем уменьшения вероятности
страхового случая. Для этого в тарифах на отдельные виды страхования
предусматриваются определенные отчисления для образования фондов
предупредительных мероприятий.
Контрольная функция страхования заключается в строго целевом
формировании и использовании средств фонда страхования. Данная функция
вытекает из указанных выше функций и проявляется одновременно с ними в
конкретных страховых отношениях. В соответствии с контрольной функцией
на основании законодательных и инструктивных документов осуществляется
финансовый страховой контроль над правильностью проведения страховых
операций.
Сберегательная функция реализуется посредством накопительных видов
страхования.
Учитывая изложенное, можно сделать вывод: страхование является одним из
важнейших элементов системы рыночных отношений и представляет собой
финансовые отношения, связанные с выполнением специфических функций в
экономике. Страхование сегодня обеспечивает экономические интересы
отдельного человека и общества в целом.
1.3. Правовое регулирование сферы страхования
Отношения в сфере страхования можно разделить на две группы:
1. Отношения между страховщиками и страхователями
(выгодоприобретателями) по поводу создания и использования страховых
фондов.
2. Отношения по поводу надлежащего функционирования страхового фонда и
обеспечения его целевого назначения между органом государственного
страхового надзора, а также иными государственными органами, и
страховщиками, регулируемые путем властных предписаний государственных
органов.
Соответственно такому разграничению общественных отношений в области
страхования формируется и законодательство в этой сфере, а именно:
1. Государственное регулирование страховой деятельности –требования к
субъектам, положения о лицензировании, формировании страховых резервов,
надзор – сформулировано в Федеральном законе «О страховании» от 27.11.92
№4015-1 (с последующими изменениями и дополнениями) и в ряде других
источников права в области государственного регулирования страховой
деятельности.
2. Частно-правовое регулирование – регулирование договора страхования,
отношений между страховщиком и страхователем (выгодоприобретателем) и
т.п. – сформулировано в Гражданском кодексе РФ, а также в некоторых иных
источниках гражданского права.
Основополагающим нормативно-правовым актом в системе государственного
регулирования страховой деятельности в РФ является Закон РФ «О
страховании», который с 01.01.98 действует с внесенными в него
изменениями и дополнениями в новой редакции «Об организации страхового
дела в Российской Федерации» от 31.12.97 №157-ФЗ. Настоящий Закон
является базовым по отношению к другим законам в области страхования
[16, с. 80].
1.4. Международный опыт личного страхования на примере США
Американский страховой бизнес отличается огромным размахом и не имеет
себе равных в мире. Под личным страхованием в Америке понимается
страхование строений, автомобилей и другого имущества граждан, а
страхование жизни и здоровья, медицинское, пенсии проводится в рамках
т.н. бекифитов [3, стр. 16].
Одна из важнейших особенностей крупнейших компаний США по страхованию
жизни – в силу высокого авторитета страховых компаний в их управление
передаются многомиллиардные средства, принадлежащие различным пенсионным
фондам. Задача страховых обществ – путем разумной инвестиционной
политики обеспечить сохранность и прирост доверенных средств. За
управление ими страховые компании взимают комиссионное вознаграждение.
Огромные инвестиционные ресурсы превращают страховые компании в один из
влиятельных внешних центров финансового контроля по отношению к
промышленным корпорациям. Впереди страховых компаний в этом плане только
коммерческие и инвестиционные банки.
Наибольшее развитие в США получило личное страхование. Это важнейшая
сфера деятельности для американских страховых компаний. Существуют
различные виды договоров личного страхования:
· обычное страхование жизни, предусматривающее оплату страхового взноса
в течение всей жизни застрахованного лица;
· страхование жизни, ограниченное сроком, предусматривающее оплату
страхового взноса в течение определенного периода частями или в виде
единовременной выплаты всей необходимой суммы, после чего страховой
полис считается оплаченным. Сумма, указанная в договоре страхования,
выплачивается единовременно в случае смерти застрахованного лица;
· страхование, предусматривающее выплату всей страховой суммы по
истечении указанного в полисе количества лет или в случае смерти
застрахованного лица;
· страхование на случай смерти лишь в течение определенного небольшого
периода времени. Типичным случаем такого страхования является
страхование жизни должника на срок действия договора займа.
2. АНАЛИЗ СОВРЕМЕННОГО СОСТОЯНИЯ РЫНКА ЛИЧНОГО СТРАХОВАНИЯ РОССИИ
2.1. Общая ситуация на рынке личного страхования
В отличие от экономически развитых стран, где институт страхования
развивался как органический элемент социально-экономической системы,
развитие страхования в России в значительной степени происходит
спонтанно.
Российский страховой рынок в своем становлении в условиях перехода к
новым экономическим отношениям прошел несколько этапов. Условно их можно
обозначить следующим образом:
· 1991-1996 гг. – период формирования страхового рынка, в котором были
заложены законодательные основы его функционирования;
· конец 1996 – август 1998 г. – принятие второй части ГК РФ,
совершенствование законодательства в области страховой деятельности;
· конец 1998 г. – наст. вр. – современный этап. Для его начала была
характерна тенденция устойчивого сокращения числа и прибыли страховых
организаций, но уже в 1999-2000 гг. она была успешно преодолена.
Интересен анализ количественных и качественных тенденций, сложившихся в
сфере личного страхования за последние годы (Таблица 1, Прил.) [14; 6,
с. 7].
Таблица 1 – Страховые премии по РФ, 2004-2006 гг., млн. руб.
Отрасли и виды страхования20042005Прирост, %2006Прирост, %Добровольное
страхованиестрахование жизни102 20025 300-7515 984-37личное
страхование52 90064 0002176 95020имущества153 100185 60021227
91223ответственности12 20016 2003316 5332Обязательное
страхованиестрахование пассажиров50500500гос. страхование сотрудников
ГНС РФ0,714310гос. страхование военнослужащих и прирав. к ним в обяз.
гос. страховании лиц430460753015ОСАГО49 20053 700963 87419ОМС97
200140 70045203 53445Страховая премия (всего)467 281194 911-59228 493163
Важным индикатором динамики и текущего состояния страхового рынка
являются данные о страховых премиях и выплатах. В период 2004-2006 гг.
доля страховых премий по личному страхованию и страхованию жизни на
общем страховом рынке РФ составляла 33%, 18% и 15% соответственно,
показывая отрицательную динамику. Доля страховых выплат в этот период
была 52%, 23% и 37%.
На страховом рынке Новосибирска в рассматриваемые годы показатели были
следующие: премии 25%, 16% и 16%, выплаты – 31%, 15% и 13%. Видно, что
имеется отрицательный прирост доли премий и выплат в общем страховом
рынке. При этом абсолютные показатели по личному страхованию
демонстрируют рост, а по страхованию жизни – спад. Из этого следует,
что сфера личного страхования развивается, но в динамике своего развития
уступает другим видам страхования. Относительно страхования жизни можно
сказать, что оно теряет популярность у страхователей.
Личное страхование (кроме страхования жизни) занимает небольшую долю в
портфелях российских страховщиков. Основными потребителями услуг по
личному страхованию являются корпоративные клиенты, для которых оно
становится важным элементом «социального пакета».
По данным Всероссийского союза страховщиков (ВСС), около 80-85% взносов
и 90-95% выплат по личному страхованию (кроме страхования жизни)
приходится на добровольное медицинское страхование (ДМС), а 15-20%
взносов и 5-10% выплат – на страхование от несчастного случая [1].
Особенностью российской практики ДМС является доминирование доли
юридических лиц в премиях и выплатах. Подавляющее большинство договоров
ДМС заключено с физическими лицами, но более 90% взносов и выплат
приходится на коллективные договоры по ДМС за счет юридических лиц. По
оценкам ВВС, в настоящее время не более 8% населения России могут
получать медицинскую помощь по программам добровольного медицинского
страхования, что, однако, в четыре раза больше аналогичного показателя в
2000-2001 г.
Основные тенденции последних лет на рынке ДМС связаны с повышением
стоимости медицинских услуг, что вызвано как общеэкономическими
факторами, так и почти полной исчерпанностью свободных ресурсов
медицинских учреждений, оказывающих качественные медицинские услуги.
Что касается пенсионного страхования, то в России оно пока практически
не развито. Фактически, этот вид страхования предлагают лишь несколько
страховых компаний.
2.2. Сравнительный анализ видов личного страхования
Объем премий по страхованию жизни за 2006 год составил 16 млрд. руб.,
уменьшившись по сравнению с 2005 годом на 37%. Объем страховых выплат –
16,6 млрд. руб., уменьшение на 34%. В 2005 году, по сравнению с 2004
годом, эти цифры составляли 75% и 80% соответственно, динамика также
отрицательная (Рисунок 1) [12].
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Рисунок 1 – Поквартальная динамика премий и выплат по страхованию жизни,
2004-2007 гг., млн. руб.
Поквартальный анализ сегмента показывает, что сравнительная динамика
премий по рынку страхования жизни остается отрицательной.
Комплексный анализ показателей сбора премий и выплат по крупнейшим
операторам сегмента страхования жизни за первое полугодие 2007 г. и
аналогичные периоды прошлых лет позволил выявить поступательное развитие
классических операций. Сбор премий по долгосрочному страхованию жизни
составил 1,8 млрд. руб., превысив аналогичный показатель прошлого года
на 32% (1,3 млрд. руб.). Рост классического страхования, а также рост
операций по неклассическим краткосрочным договорам позволили сегменту
страхования жизни впервые с 2003 г. показать положительную динамику
роста.
Анализ крупнейших операторов сегмента (Таблица 2) позволил выявить ряд
положительных тенденций [12]. Среди лидеров сегмента становится все
больше компаний, давно известных на рынке. Лидером является компания
«Согаз», увеличившая сбор премий за год в 1,7 раза, до 2,7 млрд. руб.
Таблица 2 – Лидеры по страхованию жизни, 1-е полугодие 2005-2007 гг.,
тыс. руб.
Наименование компании1 пг. 20051 пг. 2006Прирост 2006 к 2005, %1 пг.
2007Прирост 2007 к 2006, %Согаз 200 5301 571 6086842 724 74073Русский
стандарт страхование00-2 179 731-Чулпан 325 299362 83112%2 142
644491АИГ554 685906 71663%1 335 72747%Городская СК 2 499386-57527 323136
512
По оценкам экспертов, в настоящее время в России классическое
накопительное страхование жизни занимает небольшую долю в портфелях
страховых организаций, в то время как в странах ЕС доля этого вида
страхования в общем объеме страхового рынка достигает 45-60%, а в Японии
и Великобритании – 80% [19].
Объем премий по личному страхованию за 2006 год составил 76,9 млрд.
руб., показав увеличение по сравнению с 2005 годом на 20%. Страховые
выплаты составили 42 млрд. руб., динамика также положительная –
увеличение на 8%. В 2005 году, по сравнению с 2004 годом, эти цифры
составляли 17% и 21% соответственно (Рисунок 2) [12].
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00002d010100040000002d010500040000002701ffff030000000000
Рисунок 2 – Поквартальная динамика премий и выплат по личному
страхованию в 2004 – 2007 гг., млн. руб.
Поквартальная динамика показывает стабильное увеличение сбора премий и
объема выплат в первом и четвертом квартале каждого года. Развитие рынка
личного страхования можно охарактеризовать следующим образом:
· сокращается доля операций с монополисами в ДМС, где выплаты
соответствуют уплаченной премии, т.е. прирост выплат замедляется;
· налоговые инициативы для развития корпоративного личного страхования
(прежде всего ДМС) остаются пока только в законопроектах;
· растут премии по страхованию от несчастных случаев в розничном
сегменте, что обусловлено развитием страхования жизни и здоровья при
автокредитовании и ипотечном кредитовании, при страховании пассажиров
железнодорожного и авиационного транспорта.
Динамика показателей крупнейших операторов сегмента демонстрирует
следующее (Таблица 3) [12].
Таблица 3 – Лидеры в личном страховании, 1-е полугодие 2005-2007 г.,
тыс. руб.
Наименование1 пг. 20051 пг. 2006Прирост 2006
к 2005, %1 пг. 2007Прирост 2007 к 2006, %Согаз5 868 2157 938 68135%9 793
95023%Жасо4 606 6564 665 9761%5 092 7409%Росно2 452 5383 951 95161%4 588
99716%Ингосстрах1 571 5342 143 97436%2 899 38135%Ресо-Гарантия1 566
9861 863 35719%2 659 19643%
Ведущие страховщики, которые задают темп развития всему рынку личного
страхования, развивают данный вид страхования не только за счет
пролонгирования корпоративных договоров ДМС. Прирост премий данных
страховщиков обеспечивают также новые клиенты, в том числе страхователи
– физические лица.
Состав группы первых пяти компаний, лидирующих по сбору премии на рынке
личного страхования, за последние 3 года практически не изменился,
менялись лишь внутренние позиции отдельных компаний. Заметные сдвиги
произошли внутри самого страхового сектора – возросла доля крупных
страховщиков в ущерб небольшим страховым компаниям. Эта тенденция в
значительной мере должна определить наметившуюся консолидацию страхового
рынка.
2.3. Страхователи и страховщики: анализ взаимоотношений
Обзор рынка личного страхования был бы неполным без анализа отношения
целевой аудитории к страхованию. «Универсальное рейтинговое агентство»
провело аналитическое исследование, опросив более 1200 физических лиц в
разных регионах России. Исследование показало, что очень малый процент
опрошенных в настоящее время заключили договор на страхование жизни
(рис. 3) [10].
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Рисунок 3 – Застрахованные и незастрахованные респонденты
Однако если ознакомиться со следующими результатами, становится понятно,
что лишь 7% от числа застрахованных сделали это самостоятельно (рис. 4).
picscalex108010009000003df1400000900700d00000000700d000026060f00d61a574d
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0c000000ffffffff2100000008000000250000000c00000002000000250000000c000000
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00000000000000007b010000c8000000520000007001000003000000f4ffffff00000000
000000000000000090010000000000cc0000000041007200690061006c00200043007900
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0c6fd9010a000000240ad901b0dd130006ee0030200430043704340435043b0400004204
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Рисунок 4 – Застрахованные по личной инициативе и корпоративно
Такое положение связано с тем, что во многих компаниях страхование
работников входит в компенсационный пакет. Из более чем 1200
респондентов было выявлено всего лишь 24 человека, которые
самостоятельно застраховали свою жизнь. Как выяснилось, причина – в
крайне низкой информированности (рис. 5).
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Рисунок 5 – Информированность респондентов в области страхования
Таким образом, подавляющее количество опрошенных не имеют полного
представления о страховании жизни. Между тем, из них как минимум 70%
являются потенциальной целевой аудиторией данного вида страхования (рис.
6).
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Рисунок 6 – Отношение опрошенных к страхованию жизни
Очевидно, что емкость рынка достаточно высока, но осведомленность людей
низкая. Так как при продаже любых товаров информированность целевой
аудитории прямо пропорциональна экономическому эффекту, становится
понятно, почему сегодня страхование жизни относится к категории «активно
развивающихся» продуктов и одновременно так далеко отстоит от категории
«успешно продающихся». Одна из причин – недоверие к страховщикам
(рис.7).
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Рисунок 7 – Показатели доверия к страховщикам
Данные показывают высокую неуверенность страхователей в отношении
страховых компаний. Основная проблем – боязнь быть обманутыми после
наступления страхового случая. Подавляющее большинство респондентов
считают, что после их смерти выгодоприобретатель не сможет легко и без
проблем получить страховую сумму. Из них 77% считают, что страховая
сумма будет выдана не в полном объеме, а 23% – что не будет выдана
вообще. Становится очевидно, что страховщикам предстоят значительные
шаги по укреплению своей репутации.
3. ЛИЧНОЕ СТРАХОВАНИЕ – СОЦИАЛЬНАЯ ЗАЩИТА НАСЕЛЕНИЯ
3.1. Роль личного страхования в жизни общества
Страхование, и особенно страхование жизни, в современном обществе играет
большую роль в функционировании экономики и поддержке жизненного уровня
населения. Поэтому в странах Западной Европы, США и Японии страхование
жизни – самый популярный вид страхования, его доля на рынке – от 60% до
80% [9, с. 70].
Аккумулируя огромные средства и являясь важным средоточием концентрации
капитала, страхование является стратегически важной отраслью экономики,
обеспечивая подавляющую часть инвестиций в ее развитие и освобождая
государственные бюджеты от расходов на возмещение убытков от
непредвиденных событий. Основной ролью личного страхования является
повышение социальной защищенности населения путем выплат денежных
компенсаций в случае потери здоровья, жизни или трудоспособности,
повышение объема пенсий за счет выплат рент (аннуитетов), обеспечение
населения качественным медицинским обслуживанием и многое другое. В свою
очередь, высокая социальная защищенность населения способствует
повышению доверия к правительству, стабилизации политической обстановки,
что можно считать политической ролью личного страхования.
Экономическая роль личного страхования заключается в том, что страховые
выплаты по договорам личного страхования уменьшают расходную часть
государственного бюджета на социальные программы, а денежные средства,
аккумулируемые страховыми компаниями, могут стать источником
значительных долгосрочных инвестиций в экономику государства. В России
это имеет особое значение в связи с кризисом пенсионной системы и
неблагоприятными демографическими тенденциями. В условиях дефицита
инвестиционных ресурсов привлечение с помощью страховых технологий
сбережений населения может стать существенным элементом государственной
финансовой политики и способствовать снижению внешних заимствований.
Страхование, как метод управления рисками, способствует защите интересов
граждан, их безопасности. Роль страхования особенно важна в контексте
экономических реформ, поскольку оно стимулирует развитие рыночных
отношений и деловой активности, улучшает инвестиционный климат.
Значимость страхования существенно возрастает в период перехода к рынку
и укрепления частной собственности. В отличие от
планово-административной системы, государство перестает нести
ответственность за возмещение ущерба в случае неблагоприятных событий,
стихийных бедствий и катастроф. В свою очередь, это способствует
формированию спроса на страховые услуги.
Степень развития страхового рынка отражает возможности экономического
роста страны. Способствуя перераспределению рисков между экономическими
субъектами и возмещению убытков за счет накопления, страхование
позволяет повысить эффективность экономики, поэтому развитие
национальной системы страхования – одна из важных стратегических задач в
области создания инфраструктуры рынка.
3.2. Проблемы развития сферы личного страхования и пути их
решения
Личное страхование, и особенно страхование жизни, – развитая и
экономически значимая отрасль страхования в европейских странах. В
России существует ряд проблем, препятствующих развитию данной отрасли.
Сложности с развитием страхования жизни объясняются тем, что в
российской практике оно часто используется как способ оптимизации
налоговой нагрузки на предприятия и слабо связано с реальной защитой
интересов страхователей.
Исходя из опыта западных стран, можно заключить, что долгосрочное
страхование жизни является наиболее перспективным и массовым видом
страхования: на его долю приходится от 40% до 80% всей собираемой
страховой премии [11, c. 115]. Для быстрого развития этого вида
страхования необходимо наличие как минимум двух условий: нужно
поддерживать долгосрочную надежность и устойчивость финансовой системы в
целом, что обеспечит сохранность вложений; доходность накопительного
страхования должна быть сравнима с другими инвестиционными инструментами
при сопоставимом уровне риска (например, банковский депозит).
Одна из основных проблем в развитии страхования жизни – слабые стимулы к
накоплению, в том числе и налогового характера. Сегодня налоговое
законодательство устанавливает практически запретительные барьеры на
пути развития данного вида страхования. Например, накопительное
страхование за счет средств работодателя облагается: во-первых, единым
социальным налогом, во-вторых, подоходным налогом на страховые взносы
(также на выплаты, если они производятся), в-третьих, налогом на
прибыль, если сумма взносов превышает 12% от суммы расходов на оплату
труда [5, с. 74]. Кроме того, приемлемая доходность инвестиций может
быть обеспечена только при длительных сроках действия договоров – от 10
лет и более. Однако такие договоры не пользуются у страхователей спросом
из-за высокой рискованности долгосрочных вложений.
Таким образом, можно сделать вывод, что основными факторами,
способствующими развитию системы страхования вообще и личного в
частности, являются: наличие страхового интереса, платежеспособного
спроса, эффективных каналов продаж, благоприятного налогового климата,
политической и экономической стабильности, доверия населения к власти и
финансово-экономическим институтам, формирование рыночного отношения к
вопросам социальной защиты.
3.3. Перспективы развития рынка личного страхования
Во всех экономически развитых странах страхование является
стратегическим сектором экономики. Объем резервов и сроки, на которые
размещаются средства, превращают страховые компании в мощнейшие
финансовые кредитующие институты. Посредством своей деятельности они
концентрируют в своих руках огромную финансовую мощь. Поэтому очевидно,
что сферу страхования необходимо развивать и что ее ждет большое
будущее.
Перспективы развития страхового рынка в России трудно предугадать, так
как они во многом зависят от состояния экономики страны, уровня ее
развития, благосостояния и страховой культуры людей. Совершенно
очевидно, что в стране с непредсказуемым экономическим курсом население,
живущее потребностями одного дня, не будет заботиться о накоплении с
каждым днем обесценивающегося капитала. В таких экономических условиях
долгосрочные накопительные страховые программы не работают.
У рынка страхования жизни большой потенциал. По консервативным
прогнозам, в 2006-2010 годах рынок классического накопительного
страхования жизни в России будет расти в среднем на 30-40% в год и к
2010 году составит $1–1,5 млрд. [4, с. 58]. Основной движущей силой
развития рынка страхования жизни станут корпоративные клиенты,
а наиболее интересным продуктом – смешанное страхование жизни. Именно на
этот вид страхования делают ставку ведущие страховщики.
Нынешнее положение страхования в финансовой системе России не
соответствует задачам, которые должны стоять перед страховой отраслью.
Страхование — это единственный вид экономической деятельности, который
сопровождает человека всю жизнь: еще до его рождения и даже после его
смерти. Это программы медицинского страхования, накопительного
страхования жизни, страхования путешествующих, то есть все от
беременности до выплат после смерти застрахованного. В странах с
развитой рыночной экономикой история страхования насчитывает уже более
двухсот лет. В России же, следует признать, страхование находится пока в
самом начале своего развития.
ЗАКЛЮЧЕНИЕ
Подводя итог работы, можно сделать вывод, что страхование –
стратегически важный элемент экономической системы. Оно позволяет
создавать крупные инвестиционные ресурсы, освобождает государственный
бюджет от необходимости возмещения убытков от непредвиденных событий,
повышает социальную защищенность граждан. Личное страхование выполняет
важную социальную функцию, поскольку затрагивают интересы каждого
человека. Поэтому развитию и поддержанию личного страхования необходимо
уделить особое внимание. В развитых странах личное страхование занимает
первое место среди других отраслей страхования по объемам собираемой
премии.
Система страхования в России в настоящее время еще не окончательно
сформирована и продолжает свое развитие. Тенденции на рынке личного
страхования в 2005-2007 гг. показывают увеличение динамики развития
рынка, но существует ряд проблем, мешающих его развитию. На мой взгляд,
одна из главных проблем – невозможность точного прогнозирования
экономического развития России, как следствие – недоверие граждан к
долгосрочному вложению денег. В нашем обществе, в отличие от стран со
сложившимся институтом страхования, отсутствует страховая культура
населения и, по результатам социологических исследований, обнаруживается
низкий уровень информированности людей в области страхования.
К числу основных направлений развития сферы страхования относятся:
· совершенствование законодательной базы и механизма защиты интересов
страхователя;
· повышение надежности системы страхования;
· увеличение финансового потенциала российских страховщиков;
· создание эффективных сфер для размещения временно свободных средств
страховых компаний;
· повышение уровня платежеспособности страхователей;
· появление стимулов для заключения договоров страхования;
· повышение страховой культуры и информированности населения.
Развитие сферы страхования в этих направлениях поможет ей стать
неотъемлемым и значимым звеном финансовой системы России.
Рынок личного страхования имеет большой потенциал. Являясь частью
экономической системы, он во многом зависит от нее. В то же время,
активно развиваясь, личное страхование способно стать важнейшим
элементом роста экономики. Россия имеет все возможности для завоевания
большой доли мирового рынка страхования, поскольку находится в выгодном
положении по сравнению с другими странами – обладает огромными
человеческими ресурсами.
СПИСОК ИСПОЛЬЗОВАННЫХ ИСТОЧНИКОВ
1. Агентство страховых новостей АСН [Электронный ресурс]. Режим доступа:
http://www.insur-info.ru/statistics
2. Гинзбург А. И. Страхование. 2-е изд. – СПб: Питер, 2006 – 208 с.
3. Головнин А.Н. Сравнительный анализ функционирования рынков
страхования жизни США и ФРГ // Страховое дело. – 2007. – №1. – С. 15-31.
4. Гребенщиков Э. Российский рынок страхования: параметры, пропорции и
тенденции // РЦБ. – 2007. – №2. – С. 57-61.
5. Жукова Т. Конец эпохи нерешительности // Русский полис. – 2007. – №1.
– С. 70-74.
6. Ломакин-Румянцев И. Уточненные сведения о деятельности страховых
организаций за 2006 год по состоянию на 20.03.07 // Финансовая газета. –
2007. – №15. – 12 апр. – С. 7.
8. Ломакин-Румянцев И. Сведения о деятельности страховых организаций за
1 полугодие 2007 // Финансовая газета. – 2007. – №34. – 23 авг. – С. 6.
9. Лысенко С.И. Факторы роста и прогнозные тенденции страхового бизнеса
в России // Финансы и кредит. – 2007. – №4. – С. 70-76.
10. Методический журнал «Организация продаж страховых продуктов»
[Электронный ресурс]. Режим доступа:
http://www.reglament.net/ins/prod_article.htm
11. Натхов Т. А. Рынок страхования в России: основные тенденции и
проблемы развития // Вопросы экономики. – 2006. – №12. – С.115-125.
12. Официальный сайт Ассоциации страховщиков России [Электронный
ресурс]. Режим доступа: http://asr-insurance.ru/base_legislation
13. Официальный сайт Федеральной службы государственной статистики
[Электронный ресурс]. Режим доступа:
http://www.gks.ru/wps/portal/!ut/p/.cmd/cs/.ce/7_0_A/.s/7_0_FL/_s.7_0_A/
7_0_2UK
14. Официальный сайт Федеральной службы страхового надзора [Электронный
ресурс]. Режим доступа: http://www.fssn.ru/www/site.nsf/web/stat
15. Панорама страхования // Эксперт РА. – 2007. – №39. – С. 121.
16. Скамай Л. Г., Мазурина Т. Ю. Страховое дело: Учебное пособие – М.:
ИНФРА-М, 2006 – 256 с.
17. Финансы: Учебник / Под ред. А. Г. Грязновой, Е. В. Маркиной. – М.:
Финансы и статистика, 2006. – 504 с.
18. Финансы: Учебник – 2-е изд., перераб. и доп. / Под ред. В. В.
Ковалева. – М.: ТК Велби, изд-во Проспект, 2006. – 640 с.
19. Эксперт РА [Электронный ресурс]. Режим доступа:
http://www.raexpert.ru/researches/insurance/itogi/
20. Яковлева Т. А., Шевченко О. Ю. Страхование: Учебное пособие – М.:
Экономистъ, 2004 – 217 с.
ПРИЛОЖЕНИЕ
Показатели страховых премий и выплат, 2004-2006 гг.
Таблица 1 – Страховые выплаты по РФ, млн. руб. [12]
Отрасли и виды страхования20042005Прирост,%2006Прирост,%Добровольное
страхованиестрахование жизни124 10025 039-8016 581-34личное
страхование33 30038 9541742 0288имущества32 50045 5944064
64842ответственности1 2001 123-61 36221Обязательное
страхованиестрахование пассажиров0,30,300,30гос. страхование сотрудников
ГНС РФ2,42-1720гос. страхование военнослужащих и прирав. к ним в обяз.
гос. страховании лиц39042084200ОСАГО19 20027 6404433 29020ОМС93 400135
92846190 65240Страховая премия (всего)304 093274 70010348 98327
Таблица 2 – Страховые премии по Новосибирску, тыс. руб. [12]
Отрасли и виды страхования20042005Прирост%2006Прирост,%Добровольное
страхованиестрахование жизни142 76988 898-38152 66672личное страхование1
125 1331 224 57091 397 36814имущества1 546 6562 027 317312 864
72068ответственности80 113196 758146233 59919Обязательное
страхованиестрахование пассажиров19 64217 383-1215 978-8гос. страхование
сотрудников ГНС РФ00000гос. страхование военнослужащих и прирав. к ним в
обяз. гос. страховании лиц00000ОСАГО962 8851 065 022111 195 25066ОМС1
445 0853 563 7601473 905 72010Страховая премия (всего)5 179 5148 183
708589 765 30119Таблица 3 – Страховые выплаты по Новосибирску, тыс. руб.
[12]
Отрасли и виды страхования20042005Прирост, %2006Прирост, %Добровольное
страхованиестрахование жизни125 33371 092-4364 278-10личное
страхование844 358785 926-7826 2755имущества497 102841 032691 450
50972ответственности10 1704 013-6115 461285Обязательное
страхованиестрахование пассажиров7512567371197гос. страхование
сотрудников ГНС РФ00000гос. страхование военнослужащих и прирав. к ним в
обяз. гос. страховании лиц00000ОСАГО419 626614 24146656 4987ОМС1 251
3773 610 3461893 656 0671Страховая премия (всего)3 148 0615 926
775886 669 45913
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