The fact that the accumulated investment potential (IP) of insurance companies (IC) does not have a significant impact on the processes of economic growth in Ukrainian practice actualizes the task of researching the practice of investing in the activities of domestic insurers. The purpose of the study is to find out, classify and highlight the main factors that influence the formation of the Ukrainian IC’ IP and give recommendations for overcoming a number of related difficulties. According to the results of investigation of the Ukrainian insurance industry development trends in 2011–2018, it was concluded that rates of their IP accumulation are insufficient. There is a decrease in the aggregate value of insurers’ investment assets and a reduction in the composition of investment attractive financial instruments. Low efficiency and simplification of investment strategies of IC are noted. The factors that exert a stimulating and inhibitory influence on the investment processes in the Ukrainian insurance market were identified. Ways and tools were proposed to strengthen the effect of incentive factors and eliminate or minimize the effect of the considered restrictive factors that can be used in the practice of state regulation of the insurance industry of the country. Considering the examined factors should allow the state regulators making more effective decisions to improve the investment activity of insurers and enhance its importance in the development of the national economy.
The development trends of electronic stock trading in Ukraine are considered. The low investment activity of the citizens of the country and the insufficient involvement of individuals in the processes of electronic stock trading were noted. Among the main reasons that hinder the development of the electronic securities trading in the country are the lack of stimulating state support, the insufficiently effective functioning of the national stock market, the decline in incomes and savings of the citizens as a source of investment, poor promotion of this method of investment in society. It is concluded that the further development of the stock electronic trading in Ukraine will be possible subject to the development of an appropriate regulatory framework, increasing the number of liquid securities in the registers of stock exchanges, developing digital infrastructure, increasing digital literacy of citizens and their income.
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