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Russian Citizens’ Attitude toward Insurance Policies as a Factor of Individual Economic Security

机译:俄罗斯公民对保险政策的态度是个人经济安全的一个因素

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摘要

Today, insurance enables the functioning of the market system. In modern Russia, such a mechanism of protection against internal and external threats exists to ensure the economic security of each citizen. Indeed, individual insurance policies continue to gain importance as the most effective risk management tool to guarantee the safety of the health and property of private citizens. The goal of this study was to investigate Russian citizens’ attitudes towards insurance policies and investment bearing in mind the concept of personal economic security. Preparations for this study were focused on theoretical understandings of economic security problems, taking the field of insurance as an example. Our research consisted of four stages, with a total of 1794 participants. The results of this study can offer insight to improve the functioning of the insurance market in accordance with the framework of the Insurance Industry Development Strategy for the Russian Federation—2020. The obtained results can be used from both a political and economic standpoint in the development of a set of measures dealing with the control of financial institutions, promotion of financial literacy, preparation of courses for universities, and trainings for participants in the insurance market. Policyholders can also use this information to advocate for improved insurance programs for citizens.
机译:如今,保险使市场体系发挥了作用。在现代俄罗斯,这种保护内部和外部威胁的机制可以确保每个公民的经济安全。的确,个人保险政策作为确保私人公民健康和财产安全的最有效的风险管理工具,继续变得越来越重要。这项研究的目的是在考虑个人经济安全概念的情况下调查俄罗斯公民对保险政策和投资的态度。这项研究的准备工作集中在对经济安全问题的理论理解上,以保险领域为例。我们的研究包括四个阶段,共有1794名参与者。这项研究的结果可为根据俄罗斯联邦2020年保险业发展战略框架改善保险市场的运作提供见识。从政治和经济的角度来看,所获得的结果可以用于制定一套有关控制金融机构,提高金融知识水平,为大学准备课程以及对保险市场参与者进行培训的措施。保单持有人也可以使用此信息来提倡改进公民保险计划。

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