Bankinsurance: new challenges and development prospects in Ukraine

Bioekonomika ta agrarnii biznes Pub Date : 2021-03-03 DOI:10.31548/bioeconomy2020.03.016

O. Zharikova, K. Cherkesenko

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引用次数: 3

Abstract

The article reveals the essence of modern bank insurance and new challenges and prospects for development in Ukraine. The definition of "bank insurance" is theoretically substantiated and the general financial and economic characteristics of Ukrainian banks are realized. The normative indicators of commercial institutions are analyzed and the main risks affecting banking and insurance activities and the possibility of their leveling are identified. Theoretical and practical information on the process of merging the capital of banks and insurance companies, financial and economic analysis of one of the largest banks in modern Ukraine - JSC "PrivatBank", and assessed the financial stability of its insurance partners. A study of the insurance market of Ukraine with the definition of possible prospects for cooperation with the studied bank. From the calculations, it was found that PrivatBank can be recommended to find new partners for cooperation between leading companies such as AXA Insurance and Providna. It is established that banking insurance technologies have a significant place at the present stage of development of the domestic financial segment. Using a large customer base and a wide network of branches and outlets, banking experts expect that revenues from the sale of insurance products in 2021 may amount to 15% of total bank revenues, as the volume of bank insurance in "PrivatBank" is growing quite rapidly. The activity of banks in market conditions is subject to its general laws, and therefore requires the development of a viable mechanism for managing financial activities, aimed at increasing the competitiveness of banks. Thus, the ability of bank managers to determine the degree of financial stability of their own bank, competing banks and counterparties plays an important role. Therefore, one of the principles of further rapid development of the banking system of Ukraine is the search for ways to optimize the financial condition of the bank.

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银行保险：乌克兰面临的新挑战和发展前景

文章揭示了现代银行保险的本质以及乌克兰银行保险面临的新挑战和发展前景。从理论上充实了“银行保险”的定义，认识了乌克兰银行的一般金融和经济特征。分析了商业机构的规范性指标，确定了影响银行和保险活动的主要风险及其平准化的可能性。关于合并银行和保险公司资本过程的理论和实践信息，现代乌克兰最大的银行之一的金融和经济分析- JSC“PrivatBank”，并评估其保险合作伙伴的金融稳定性。对乌克兰保险市场的研究，并确定与所研究银行合作的可能前景。通过计算发现，PrivatBank可以为安盛保险和普罗维登娜等领先公司之间的合作寻找新的合作伙伴。本文认为，银行保险技术在我国金融部门发展的现阶段具有重要地位。凭借庞大的客户基础和广泛的分支机构和网点网络，银行业专家预计，随着“私人银行”的银行保险业务增长迅速，2021年保险产品销售收入可能达到银行总收入的15%。银行在市场条件下的活动受其一般规律的制约，因此需要制订一种可行的机制来管理金融活动，以提高银行的竞争力。因此，银行经理确定本银行、竞争银行和交易对手的财务稳定程度的能力起着重要作用。因此，寻求优化银行财务状况的途径是乌克兰银行体系进一步快速发展的原则之一。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Bioekonomika ta agrarnii biznes

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审稿时长

10 weeks