出版社：Economic Laboratory for Transition Research Podgorica
摘要：The purpose of the article is to summarize theoretical positions and
practical experience regarding the existence of the relationship between
the investment activity of insurers and the economic growth of
the state and identify the factors that have the greatest impact on
the volume of insurance investments. As a hypothesis, the main
factors influencing the level of investment of insurers in the economy
are recognized: the profit of economic entities, investment in
fixed assets, the rate of change in the volume of insurance premiums,
the total authorized capital of insurers, GDP. Methods of correlation-regression
analysis, extrapolation and modeling were used.
The subject of the study were the peculiarities and patterns of the
formation, use and regulation of the investment potential of Russianinsurance
companies in in modern economic conditions. In the
course ofconducted researcha number of publications on the issues
of the relationship between the investment activity of insurers and
the economic growth of the state were worked out, investment
potential of the insurance market of Russia was studied, the size of
real investments by insurers in the economy was determined, and
the forecast of future trends in changes in their volumes was made.
It is proved that between the volumes of insurance premiums, investments
of enterprises in fixed assets, GDP and assets placed by
the insurers in the real sector there is a high interdependence that
allowed to determine the important role of insurers as participants
of the insurance market for the economic growth of the state. The
conclusion is made that, with a steady decline in the number of
insurers, their aggregate capital increases, as well as growing insurance
reserves. However, their insufficient part is invested in the real
sector of the economy, and a significant amount of resources falls
on investments with zero profitability of operations.
