The need to ensure the state's financial security in the conditions of the growing number of global challenges, risks, dangers and threats as a prerequisite for restoring and preserving the stability of the national economic system was substantiated. The purpose of the article is to assess the impact of the insurance market and key indicators of its development on the level of Ukrainian financial security in order to determine the priority areas of its provision. The dependence of the state financial security level on a set of factors that have a close connection and mutual influence was studied. War is a massive structural shock to the Ukrainian economy since the total losses of the Ukrainian economy because of war, according to the general estimates of the Ministry of Economy and KSE, considering both direct losses and indirect losses (decrease in GDP, cessation of investment, the outflow of labour, additional spending on defence and social support, etc.) range from $564 billion to $600 billion. It was established that the growing number of negative security factors determine the impact of the insurance market on the financial, economic and social stability of society because an effectively functioning insurance market enables minimizing threats to individuals, society and the state as a whole. The mutual influence of the insurance market on the state's financial security is studied, which is manifested in the possibility of maintaining financial stability and stimulating economic development at the macro level through the accumulation of a significant amount of investment resources. The study of methodological and practical aspects of the impact of the insurance market on the state's financial security in the context of global hybrid threats was updated. The identification and assessment of the impact of threats associated with the state and trends in the insurance market of Ukraine were carried out using an indicator approach based on the Guidelines for assessing the Ukrainian economic security level. The limitation of the range of indicators used in it to assess the impact of insurance development on the level of financial security is proved. It is proposed to expand the list of indicators of the development of the insurance market, taking into account international experience. On the basis of correlation and regression analysis, the most significant factors of financial security in the field of insurance were identified. The results obtained can be used to substantiate the priorities for the insurance market development in the formation of the concept of Ukrainian financial security.
Ensuring the economic security of the functioning of all economic entities is one of the main tasks, the solution of which makes it possible to preserve national sovereignty. Since February 24, 2022, the domestic economy has been suffering from russia's brutal, open and large-scale military aggression and is in a state of constant turbulence. That, in turn, causes increased attention to security issues at all levels of the economy in the face of global, geopolitical, and domestic economic threats. That is why this study aims to develop a methodical approach to assessing the level of economic security of financial and credit institutions. Scientific approaches to the definition of the concept of "economic security of financial and credit institutions" are analyzed and the author's vision of the concept through the prism of development is proposed. The existing methodical approaches of domestic scientists to the assessment of the level of economic security of financial and credit institutions were studied. A methodology for assessing the level of economic security of financial and credit institutions based on the scoring approach has been developed. Quantitative and qualitative components of economic security are highlighted, which are proposed to be analyzed in the study of economic security. It is proposed to use the Harrington scale to determine the level of economic security of financial and credit institutions. Approbation of the proposed methodology was carried out on the assessment of the activities of five banking institutions. According to the analysis obtained, the relevance of the proposed methodology for assessing the level of economic security of financial and credit institutions has been proven.
Дослідження присвячене проблематиці дерегуляції підприємницької діяльності як базису підтримки та відновлення національної економіки України. У статті проаналізовано етапи провадження державної політики дерегуляції в Україні, формування законодавчих основ її реалізації. Доведено, що військова агресія російської федерації стала безпрецедентною загрозою функціонуванню підприємницького середовища в Україні, що підтверджується низхідною динамікою реєстрації суб’єктів господарювання. Обґрунтовано необхідність впровадження ефективних регуляторних інструментів формування сприятливого регуляторного середовища в Україні. Проаналізовано реалізовані протягом 2022 року заходи підтримки суб’єктів підприємницької діяльності з метою їх адаптації до умов воєнного стану. Встановлено, що дерегуляція бізнес-середовища передбачала впровадження ряду заходів щодо скасування вимог до отримання ліцензій та дозволів на більшість видів діяльності, лібералізації трудових відносин, скасування перевірок та відсутність санкцій за несвоєчасне подання звітності, спрощення вимог до маркування харчової продукції, цифровізації державних сервісів і послуг. Окреслено стратегічні напрями подальшої дерегуляції підприємницької діяльності в Україні на засадах ризик-орієнтованого підходу для розвитку саморегулювання бізнесу, що передбачає формування прозорої дозвільної системи та розвиток партнерських відносин суб’єктів господарювання із органами державного регулювання. Їх впровадження є необхідним в напрямку підтримки та відновлення національної економіки України.
The article is devoted to the problems of improving the institutional support of the state regulatory policy in the aspect of strengthening the security of strategically important enterprises of Ukraine in the conditions of martial law. It is proved that in times of war, the problem of identification of strategically important enterprises and formation of institutional support for their security at the state level is of particular relevance and requires the development of effective forms of implementation of the state regulatory policy in this area. A constructive analysis of the current legislation and scientific approaches to the definition of the category of "strategically important enterprises" was carried out, and an author's definition was proposed, which, unlike the existing ones, focuses on the qualitative characteristics of business entities that should be classified as strategically important. It is substantiated that the basis for the development of effective forms of implementation of state regulatory policy in the direction of ensuring the security of strategically important enterprises is the presence of an effective institutional environment. From the standpoint of the institutional approach, the conceptual foundations of institutional support of state regulatory policy are deepened. It was established that the institutional environment for ensuring the security of strategically important enterprises in Ukraine is underdeveloped. The author identifies the need to improve the current legislation, to form an effective institutional and organizational support and to cluster the national economy on the basis of strategically important enterprises with the possibility of forming integrated corporate structures as the basis for the formation of effective forms of implementation of the state regulatory policy to support and strengthen the security of strategically important enterprises.
Global transformations caused by the pandemic and the largest conventional war on the European continent in several decades determine the need to ensure the economic security of the state as the fundamental basis of the national security of each country. Threats to the economic security of the state that arose during the pandemic and whose residual impact is significant in the post-crisis period were identified. The prevailing influence of Russian aggression in generating threats to the economic security of the state was established. The most dangerous global risks in the short- and medium-term period were studied based on the results of the generalization of The Global Risks Perception Survey by the World Economic Forum, including the increase in the cost of living, natural disasters, and geo-economic confrontation. It was established the relationship and interdependence of the specified global risks with the most dangerous threats to the economic security of Ukraine, in particular, the Russian war against Ukraine, the acute crisis of commodity supply, large-scale forced migration, cyber risks in terms of information access, etc. It has been proven that in the conditions of globalization, threats to the economic security of a separate subject of international economic relations are a source of danger for the global political, economic and humanitarian environment. The ways of countering threats to the economic security of Ukraine at the international level were characterized, including lending, militarytechnical assistance, investment, guarantees of further support. The inflationary threat to the economic security of Ukraine was analyzed as a significant catalyst for a number of other risks and threats in war conditions. It was proven the prevailing influence of exogenous threats on the state economic security under global transformations, which is significantly strengthened by the presence of internal threats to the state economic security. Internal systemic threats to the economic security of Ukraine were highlighted. It was substantiated the need to improve and implement a proactive approach to ensuring the state economic security in the conditions of global transformations and a growing number of external and internal threats.
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