Izvestiya of Saratov University.

Economics. Management. Law

ISSN 1994-2540 (Print)
ISSN 2542-1956 (Online)


For citation:

Krasilnikov O. Y., Krasilnikova E. V. Theory and Practice of Development of Internet Insurance. Journal Izvestiya of Saratov University. Economics. Management. Law, 2015, vol. 15, iss. 3, pp. 243-248. DOI: 10.18500/1994-2540-2015-15-3-243-248

This is an open access article distributed under the terms of Creative Commons Attribution 4.0 International License (CC-BY 4.0).
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Language: 
Russian
Heading: 
Article type: 
Article
UDC: 
368.01

Theory and Practice of Development of Internet Insurance

Autors: 
Krasilnikov Oleg Yurievich, Saratov State University
Krasilnikova Elena Valerievna, Institute of Continuing Professional Education
Abstract: 

Introduction. Preservation of stability of the insurance companies, especially in times of crisis and economic instability, requires the development of new sales channels of insurance products. The article examines the issues of formation and development of this relatively new type of insurance for Russia as Internet insurance. Theoretical analysis. Analyzed its advantages, challenges, market mechanism. Discussed the organization of Internet representation of the insurance company, the stages of Internet security, introduction of CRM. Results. The author concludes that the prospects of the development of this type of insurance in Russia. In the context of increasing the capacity of the insurance market needs to develop measures to promote co-insurance and reinsurance in the Internet. Should encourage the development of institutions of insurance and reinsurance by creating specialized insurance associations, increasing the participation of Russian insurers in international systems of reinsurance and coinsurance contracts, the formation of guarantee funds and the use of other cost-effective measures aimed at improving the capacity of national operators of the market of Internet security.

Reference: 
  1. Bolshinstvo rossiyan gotovi priobretat strahovcu v internete (The majority of Russians are ready to purchase insurance online). Strahovanie v Rossii (Insurance in Russia). Available at: http://www.allinsurance.ru/biser.nsf/AllDocs/IUVKI1-93Y95L150113167?OpenDocument (accessed 27 March 2015).
  2. Kozlov A. V. Internet-strahovanie v Rossii (Internet insurance in Russia). Sovremennie problemi nauki i obrazovaniya. Electronniy nauchni gurnal (Modern problems of science and education. The electronic scientifi c journal), 2010, no. 4, pp. 127–131. Available at: http://www.science-education.ru/92-4515 (accessed 27 March 2015).
  3. Pryamoe strahovanie: pokupca polisa na sayte, a targe po telefonu (Direct insurance: the purchase of the policy on the website and by phone). Available at: http://www.rgs.ru/about/online/index.wbp (accessed 28 March 2015).
  4. Intervyu s prezidentom Gruppi Renessans strahovanie Borisom Yordanom (Interview with President of Renaissance insurance Group B. Jordan). Available at: http:/www.renins.com/press/smi/item/12052011 (accessed 30 March 2015).
Received: 
30.08.2015
Accepted: 
30.09.2015