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FINANCIAL INCLUSION IN THE CONTEXT OF INSURANCE SERVICES

It has been determined that the globalization of the economy as a whole and financial globalization, in particular, raised the question of financial inclusion of society, which are analyzed both at the local level and at the world level.  It is suggested to determine the indicators of financial inclusion in the context of insurance services: 1) the penetration of insurance (the amount of gross insurance premiums to GDP); 2) the level of insurance coverage (gross insurance premiums per person). It is certified that the indicated indicators of financial inclusion in the context of insurance services in Ukraine are much lower than the norm and are within the danger zone for the financial security of the state.  It is noted that this situation directly depends on: 1) the institutional structure of the insurance market (coordination mechanisms and incentives), which has recently been influenced by the formation of the network economy (it should be borne in mind that if developed markets are characterized by maximum satisfaction of the needs of policyholders, then there are tendencies in Ukraine  to change the demand for mass insurance products, transformation of their traditional forms and species);  2) macroeconomic situation (institutions are better implanted in a stable and balanced growth). It has been established that the prospects of financial inclusive development in the context of insurance services are determined by the effectiveness of the state regulatory policy, the functionality of regulatory acts aimed at creating an effective mechanism for state regulation and supervision, reducing the costs of activities caused by excessive and ineffective state regulation, ensuring competition in the market, preventing  the activities of unscrupulous companies, co-ordination with modern processes of reforming and deregulation of the Ukrainian economy. Among the directions of stimulating state influence on financial inclusion in the context of insurance services, the following are singled out: deregulation and increase of efficiency of state supervision;  protection of the interests of consumers of insurance services and restoration of trust to insurers through actions on settling the problem of arrears and carrying out work on deprivation of the market from insolvent insurance organizations;  improvement of tariff policy aimed at transition to free pricing, creation of organizational and regulatory prerequisites for the introduction of a system of "direct settlement" and "electronic policy" (at least for certain insurance services);  determination of priorities of regulatory influence on the development of the insurance market.