RESEARCH THE PROBLEM OF FINANCIAL DEPENDENCE OF RUSSIAN LARGE INSURANCE COMPANIES FOR THE CONDITIONS OF THE INSURANCE MARKET DEVELOPMENT
The work is focused on the research of some conditions for the development of the Russian insurance market and the features of the financial condition of insurance companies. The actualization of the problems of Russian insurance companies financial dependence is due to the fact that the attraction of debt resources allows them to increase the volume of total income in the short term, but the rapid growth of debt capital poses a major risk of long-term financial instability for insurers. The object of the research is the capital structure of large insurance companies in Russia, the subject of the research is the issues of financial stability and the dependence of large insurance companies on the policy of attracting debt resources. The purpose of the work is to research the dependence of domestic insurance companies on the policy of attracting debt resources and to identify the nature of this dependence. The results of the research the main trends in the Russian insurance market are presented, including the analysis of some indicators of the financial statements of Russian insurance companies to identify the capital structure of large insurance companies in Russia and the prospects for strengthening their stability.