Mutual insurance risks
The article considers the risk status of mutual insurance organizations. The growing popularity of mutual insurance among representatives of the field of material production, carriers, tourism business and other market participants, on the one hand, and the widespread opinion about the increased sta...
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| Format: | Article |
| Language: | Russian |
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Russian Academy of Entrepreneurship
2024-07-01
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| Series: | Путеводитель предпринимателя |
| Subjects: | |
| Online Access: | https://www.pp-mag.ru/jour/article/view/1982 |
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| _version_ | 1849695271774060544 |
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| author | L. A. Orlanyuk–Malitskaya |
| author_facet | L. A. Orlanyuk–Malitskaya |
| author_sort | L. A. Orlanyuk–Malitskaya |
| collection | DOAJ |
| description | The article considers the risk status of mutual insurance organizations. The growing popularity of mutual insurance among representatives of the field of material production, carriers, tourism business and other market participants, on the one hand, and the widespread opinion about the increased stability of the activities of a mutual insurance organization, on the other hand, sets the task of determining the risk status of a mutual insurance company, which will make it possible to formulate the main directions of risk–oriented regulation of such organizations. According to the author, the mutual insurance organization is subject to a significant number of various risks of risks, both event and economic and social. It is suggested that at least the following risk groups are inherent in a mutual insurance organization: risks due to the nature of insurance; risks arising from reciprocity as a technology; market risks of the mutual insurance organization; risks of an individual participant in mutual insurance in the part affecting the interests of the functioning of mutual insurance. Analysis of these risk groups makes it possible to come to the conclusion that the risk management of mutual insurance organizations should be built differently for organizations uniting individuals or large legal entities. For mutual companies of individuals, it is necessary to provide for built–in risk management mechanisms; for mutual societies that unite legal entities, risk management should be systemic and combine both the risks of the organization and its participants (enterprises). |
| format | Article |
| id | doaj-art-4ab3b434b97b4469bcee549f7fbe6b53 |
| institution | DOAJ |
| issn | 2073-9885 2687-136X |
| language | Russian |
| publishDate | 2024-07-01 |
| publisher | Russian Academy of Entrepreneurship |
| record_format | Article |
| series | Путеводитель предпринимателя |
| spelling | doaj-art-4ab3b434b97b4469bcee549f7fbe6b532025-08-20T03:19:50ZrusRussian Academy of EntrepreneurshipПутеводитель предпринимателя2073-98852687-136X2024-07-0117310.24182/2073-9885-2023-17-3-155-1631739Mutual insurance risksL. A. Orlanyuk–Malitskaya0Financial University under the Government of the Russian FederationThe article considers the risk status of mutual insurance organizations. The growing popularity of mutual insurance among representatives of the field of material production, carriers, tourism business and other market participants, on the one hand, and the widespread opinion about the increased stability of the activities of a mutual insurance organization, on the other hand, sets the task of determining the risk status of a mutual insurance company, which will make it possible to formulate the main directions of risk–oriented regulation of such organizations. According to the author, the mutual insurance organization is subject to a significant number of various risks of risks, both event and economic and social. It is suggested that at least the following risk groups are inherent in a mutual insurance organization: risks due to the nature of insurance; risks arising from reciprocity as a technology; market risks of the mutual insurance organization; risks of an individual participant in mutual insurance in the part affecting the interests of the functioning of mutual insurance. Analysis of these risk groups makes it possible to come to the conclusion that the risk management of mutual insurance organizations should be built differently for organizations uniting individuals or large legal entities. For mutual companies of individuals, it is necessary to provide for built–in risk management mechanisms; for mutual societies that unite legal entities, risk management should be systemic and combine both the risks of the organization and its participants (enterprises).https://www.pp-mag.ru/jour/article/view/1982mutual insurancemutual insurance companymutual insurance risks |
| spellingShingle | L. A. Orlanyuk–Malitskaya Mutual insurance risks Путеводитель предпринимателя mutual insurance mutual insurance company mutual insurance risks |
| title | Mutual insurance risks |
| title_full | Mutual insurance risks |
| title_fullStr | Mutual insurance risks |
| title_full_unstemmed | Mutual insurance risks |
| title_short | Mutual insurance risks |
| title_sort | mutual insurance risks |
| topic | mutual insurance mutual insurance company mutual insurance risks |
| url | https://www.pp-mag.ru/jour/article/view/1982 |
| work_keys_str_mv | AT laorlanyukmalitskaya mutualinsurancerisks |