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Analysis of the Development Dynamics and Trends of the Insurance Market

The article analyzes the behavior and trends of the insurance market of the Russian Federation during a pandemic. The transformation of the terms of business changed the forms and processes of the insurance business, which dynamically responded to the changed conditions. Insurance companies reacted differently to the period of restrictions associated with the COVID-19 pandemic. The study of the main areas of insurance activities and organizations that have overcome the transformation and were able to develop steadily determines the purpose of this study. Assessing the activities of the insurance market by the authors, special attention is paid to the needs that arise in the market and the analysis of more demanded areas of insurance activity. The information basis for the study was statistics presented by Rosstat, as well as data from the Bank of Russia. Based on analytical studies and comparative analysis, the results of evaluating the efficiency of certain areas of the insurance industry were obtained. System analysis methods made it possible to compare the obtained results of the insurance market and the economic situation in the country. The assessment of insurance performance indicators during the studied time period from 2019 to 2021 made it possible to assess the impact of the COVID-19 pandemic on development indicators and made it possible to investigate the degree of impact on industry indicators. Within the framework of the results obtained, trends in the development of the insurance industry and possible directions for further development were determined. The importance of state support measures and the importance of developing comprehensive measures that can provide the insurance industry with opportunities and directions for economic development during a period of economic instability are noted. Read more...

Features of Spatial Development of Peripheral, Central and NWFD Regions: A Comparative Analysis

The Russian Federation, having a large regional space, is characterized by a high level of its heterogeneity. For regions, the level of accessibility, which allows expanding its spatial boundaries for trade and economic relations, plays an important role in matters of territorial development. Territories with a remote location have opportunities for developing foreign economic cooperation, since in most cases these are border regions. The main manifestation of the negative impact of peripheral territories is a high level of remoteness from other regions and markets of the country. The presence of the remoteness effect reduces the possibility of increasing market share by entering other Russian markets. An additional negative manifestation of the remoteness of the territory from the center of the country is the presence of transport and logistics costs, which are added to the main production costs. The study examined the influence of the factor of remoteness of the territory from the center of the Russian Federation. The level of remoteness is determined as a result of calculating the peripherality index for Russian regions. The result obtained for the regions of the Russian Federation made it possible to determine a group of central and peripheral regions. It is proposed to consider several groups of regions: central, peripheral and regions of the Northwestern Federal District, which determines the object of the study. The aim of the study is to assess the regional heterogeneity of territories with different levels of remoteness from the central part of the Russian Federation. The study is conducted using statistical information and data from Rosstat. Comparative assessments of the selected groups of regions are based on the use of ranking procedures, comparative and spatial analysis. The heterogeneity assessment uses the ranking method as a tool. The results obtained can be used in writing strategic documents for the development of territories, as well as development programs for border regions. Read more...