Заячківська, О. В. та Котик, О. В. та Кондрацька, Н. М. (2025) ПІДХОДИ ДО ТЛУМАЧЕННЯ ФІНАНСОВО-ЕКОНОМІЧНОЇ БЕЗПЕКИ СТРАХОВОЇ КОМПАНІЇ. Вісник Національного університету водного господарства та природокористування (2(110)). с. 3-8.

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Анотація

У статті розкрито поняття фінансової безпеки страхових компаній. Проведений аналіз цього поняття дозволив сформувати своє бачення щодо нього, як вміння ідентифікувати внутрішні та зовнішні загрози, можливість вживання заходів для підвищення якості активів, платоспроможності, фінансової стабільності та прибутковості навіть за умов конверсії.

Title in English

APPROACHES TO INTERPRETING THE FINANCIAL AND ECONOMIC SECURITY OF AN INSURANCE COMPANY

English abstract

In modern transformation processes for the economic development of the country, the progress of every company, including insurance, is ensuring financial and economic security, which is the main postulate for the growth of business and the country as a whole. The article presents a comprehensive approach to ensuring the financial and economic security of insurance companies, which provided for clarifying the essence of the concept of "financial security of an insurance company". The analysis of this concept allowed us to form our own vision of it, as the ability to identify internal and external threats, the ability to take measures to improve asset quality, solvency, financial stability, and profitability even under conversion conditions. Therefore, the article states that the consideration of insurance financial security should take place not as the status of an insurance company, but as a process of achieving a certain state of an insurance company, characterized by resistance to internal and external threats, an optimal structure of funding sources, ensuring rational management of insurance reserves, insurance obligations for timely compliance with requirements, and the insurer – productive work now and in the future. Thus, clarifying the essence and place of the financial security of an insurance company and the institutions for determining the main threats to the functioning of the insurance market are important for rational and justified regulation, monitoring the effectiveness of insurers' activities and developing their strategic goals and choosing methods of implementation. Financial security of an insurance company is a long-term activity of an insurance company, the management of which is designed to ensure their proper level.

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