Abstract

KARGINOVA-GUBINOVA, Valentina. The significance of the risks of economic security according to the insurance market data in the Russian Federation. Universidad y Sociedad [online]. 2020, vol.12, n.2, pp. 138-145.  Epub Apr 02, 2020. ISSN 2218-3620.

The economic security of a territory is a fundamental condition for its successful development. However, the achievement of absolute safety (“zero risk”) is impossible and even is not feasible. This work is aimed to determine the significance of economic security risks. The insurance risks of the Russian Federation were chosen as an object. The choice of the territory is caused by the lack of integrated research in relation to the Russian Federation and its regions, as well as the divergence of importance of factors for different countries and, accordingly, the impossibility of extrapolating the results of studies in other territories. The main data sources were the statistical databases of the Unified Interdepartmental Statistical Information System (UISIS) and the Central Bank of the Russian Federation; the data from the institute of the Swiss Reinsurance Company were used for international comparisons. The analysis was carried out using the methods of econometrics and applied statistics; a cluster analysis of the Russian regions was carried out. The importance of economic security risks is defined by both the objective factors (income level, property volume, life expectancy, etc.) and subjective (for example, gender). The special features of the perception of risks in the Russian Federation can, in particular, be explained by paternalistic moods. The difference in the behavior of Russians in relation to the property and personal risks causes the first priority need for providing the ontological security in relation to the first both state and municipal institutes of actual security in respect to the second.

Keywords : Acceptable risk; insurance risk; voluntary insurance;; personal risks; property risks; economic security measures.

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