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Cash Flow Management at the Insurance Company Aimed at Provision of Financial Stability

机译：保险公司的现金流量管理旨在提供财务稳定性

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摘要

The insurance market of the Russian Federation is currently demonstrating the trend of slower growth rate of insurance premiums and problems, rising in certain sectors. The loss ratio of insurance operations is increasing along with reducing profitability of internal funds and assets, operational costs are growing. All these factors affect the financial stability of insurance companies and reduce the profitability of insurance business. There is no doubt that maintaining financial stability of insurance companies in the Russian insurance market under current conditions is an extremely important issue since this sector maintains stability of economic subjects in the most difficult economic situation, ensures the continuity of social reproduction and acts as the main provider of long-term investments to the country's financial market. To keep their position on the market, the insurance companies should pay special attention to maintaining stable positive cash flow and reducing the cash outflow. The approach to cash flow management in the insurance company proposed in the article accounts for existing challenges and opportunities can maintain the financial equilibrium of the company and can improve the efficiency of performance as well as reduce the need for debt capital and the insolvency risk of the insurer. The purpose of work is to identify the problems of financial stability and cash flow management in the insurance company and to develop practical recommendations aimed at addressing these problems based on generalization of the theoretical aspects and analysis of financial indicators. The scientific novelty of the research is in developing theoretical and methodological provisions and elaborating practical recommendations in the field of the insurance company's cash management in order to ensure financial stability.
机译：俄罗斯联邦的保险市场目前显示出保险费和问题增长速度放慢的趋势，在某些领域有所上升。保险业务的损失率随着内部资金和资产盈利能力的下降而增加，业务成本也在增加。所有这些因素都会影响保险公司的财务稳定性，并降低保险业务的盈利能力。毫无疑问，在当前条件下保持保险公司在俄罗斯保险市场中的金融稳定性是极为重要的问题，因为该部门在最困难的经济形势下保持经济主体的稳定性，确保社会再生产的连续性并成为主要该国金融市场的长期投资提供者。为了保持其在市场上的地位，保险公司应特别注意保持稳定的正现金流量并减少现金流出。本文中提出的保险公司现金流量管理方法解决了现有挑战和机遇，可以维持公司的财务平衡，可以提高绩效效率，并减少债务资本的需求和破产风险。保险公司。工作的目的是确定保险公司的财务稳定性和现金流量管理方面的问题，并根据理论方面的概括和财务指标的分析，提出针对这些问题的实用建议。该研究的科学新颖之处在于在保险公司的现金管理领域中发展理论和方法上的规定，并提出切实可行的建议，以确保财务稳定。

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