Abstract. Introduction. The modern insurance market is characterized by a negative trend of reduction of companies-participants of the market. This situation is associated with a number of factors: crisis phenomena in the economy, a decrease in solvent demand, increased risks, growth of unprofitability of the insurance sector, regulatory work of the state. Рurpose. The main purpose of the study is to analyze the domestic insurance market, to identify modern methods and approaches to risk management in the market. The research methodology is based on modern provisions of statistical and economic analysis, empirical research, as well as methods of expert assessments. Results. The article reveals the risks of insurers taking into account the specifics of their manifestation, as well as the specific features of risk management of insurance companies. The problems of managing risks that affect financial stability in insurance companies in modern conditions are examined in the article. A classification of insurance risks and their impact on insurance companies are prepared. It is shown that today a wide range of techniques for estimating the insurance risks exist. The reference points that should be included in the system of risk management of the insurance organization at the present stage are determined. Conclusions. According to the results of the study, a decrease in insurance companies operating in the market, a decrease in premiums and total assets was noted. The expediency of building an optimal risk management system that affects the financial stability of the insurance business has been determined. The application of an integrated approach to risk management of insurance companies has been substantiated. Keywords: risk; risk management; insurance; insurance market; insurer; government regulation; risk classification; risk management strategy.
В работе описан клинический случай развития буллезного эпидермолиза у пациента с высоким риском развития реакции «трансплантат против хозяина» после трансплантации гемопоэтических стволовых клеток. Учитывая динамику развития процесса, а также отсутствие висцерального поражения и особенности ответа на иммуносупрессивную терапию, мы предполагаем участие дополнительного этиологического фактора в патогенезе эпидермолиза у данного пациента. Ключевые слова: аллогенная трансплантация гемопоэтических стволовых клеток, буллезный эпидермолиз, реакция «трансплантат против хозяина».
The growing role of innovation places new demands on the choice of the most effective mechanisms for the use and evaluation of innovativecapacity, management of innovative activity of the enterprise. In order to adequately assess the current situation and the choice of perspective directions of innovative development of the enаterprise is necessary to conduct a systematic evaluation of the available innovativecapacity. In the developed and some developing countries, the innovative capacity plays a key role in the innovative development of the economy as a whole is regarded as a source of economic development and is an essential component of national wealth. In the article the approaches to the definition of the enterprise innovationalcapacity are given, also it presents the global innovation index. The purpose of this work is to identify and analyze modern problems of managing the innovative potential of the enterprise. The solution of the task of realizing the innovative potential of the enterprise is related to the application of such management functions as organization, coordination, motivation, monitoring, monitoring and evaluation of the actions of employees involved in the innovative activity of the enterprise within the framework of the innovative project. According to the study, it is substantiated that the strengthening of the innovative potential of enterprises is achieved by: ensuring intellectual development; material base development; attraction of financial resources; training and retraining; improving the infrastructure of enterprises; optimization of other resources required for innovation. Therefore, the level of innovation potential is determined by a set of elements of production and economic activity of the enterprise, and effective management allows to achieve certain goals of the enterprise. The problem of effective management of innovation potential of enterprises in modern realities is important, and its implementation can be achieved by creating an effective mechanism for managing the innovation potential of the enterprise, characterized by the ability to manage both static and dynamic components of innovation potential.
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