<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2218-3620</journal-id>
<journal-title><![CDATA[Revista Universidad y Sociedad]]></journal-title>
<abbrev-journal-title><![CDATA[Universidad y Sociedad]]></abbrev-journal-title>
<issn>2218-3620</issn>
<publisher>
<publisher-name><![CDATA[Editorial "Universo Sur"]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2218-36202020000200138</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[The significance of the risks of economic security according to the insurance market data in the Russian Federation]]></article-title>
<article-title xml:lang="es"><![CDATA[La importancia de los riesgos de seguridad económica según los datos del mercado de seguro]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Karginova-Gubinova]]></surname>
<given-names><![CDATA[Valentina]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Institute of Economics of the Karelian Research Centre of the Russian Academy of Sciences  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Russian Federation</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2020</year>
</pub-date>
<volume>12</volume>
<numero>2</numero>
<fpage>138</fpage>
<lpage>145</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_arttext&amp;pid=S2218-36202020000200138&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_abstract&amp;pid=S2218-36202020000200138&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_pdf&amp;pid=S2218-36202020000200138&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT The economic security of a territory is a fundamental condition for its successful development. However, the achievement of absolute safety (&#8220;zero risk&#8221;) 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.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN La seguridad económica de un territorio es una condición fundamental para su desarrollo exitoso. Sin embargo, el logro de la seguridad absoluta ("riesgo cero") es imposible e incluso no es factible. Este trabajo tiene como objetivo determinar la importancia de los riesgos de seguridad económica. Los riesgos de seguro de la Federación de Rusia fueron elegidos como un objeto. La elección del territorio se debe a la falta de investigación integrada en relación con la Federación de Rusia y sus regiones, así como a la divergencia de la importancia de los factores para diferentes países y, en consecuencia, la imposibilidad de extrapolar los resultados de los estudios en otros territorios. Las principales fuentes de datos fueron las bases de datos estadísticas del Sistema Unificado de Información Estadística Interdepartamental (UISIS) y el Banco Central de la Federación de Rusia; los datos del instituto de la Swiss Reinsurance Company Swiss Re se utilizaron para comparaciones internacionales. El análisis se realizó utilizando los métodos de econometría y estadística aplicada; se realizó un análisis de conglomerados de las regiones rusas. La importancia de los riesgos de seguridad económica se define tanto por los factores objetivos (nivel de ingresos, volumen de propiedad, esperanza de vida, etc.) como subjetivos (por ejemplo, género). Las características especiales de la percepción de riesgos en la Federación de Rusia pueden explicarse, en particular, por los estados de ánimo paternalistas. La diferencia en el comportamiento de los rusos en relación con la propiedad y los riesgos personales causa la necesidad prioritaria de proporcionar la seguridad ontológica en relación con los primeros institutos estatales y municipales de seguridad real con respecto al segundo.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Acceptable risk]]></kwd>
<kwd lng="en"><![CDATA[insurance risk]]></kwd>
<kwd lng="en"><![CDATA[voluntary insurance;]]></kwd>
<kwd lng="en"><![CDATA[personal risks]]></kwd>
<kwd lng="en"><![CDATA[property risks]]></kwd>
<kwd lng="en"><![CDATA[economic security measures]]></kwd>
<kwd lng="es"><![CDATA[Riesgo aceptable]]></kwd>
<kwd lng="es"><![CDATA[riesgo de seguro]]></kwd>
<kwd lng="es"><![CDATA[seguro voluntario]]></kwd>
<kwd lng="es"><![CDATA[riesgos personales]]></kwd>
<kwd lng="es"><![CDATA[riesgos de propiedad]]></kwd>
<kwd lng="es"><![CDATA[medidas de seguridad económica]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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