У статті досліджується роль цифрової трансформації у підвищенні конкурентоспроможності страхо вих компаній. Аналізуються загрози, що можуть виникати у зв'язку з процесом цифровізації страхової галузі. Розглядаються потенційні можливості та переваги запровадження інновацій, які не лише дозво ляють краще взаємодіяти зі споживачами страхових послуг, але й сприяють удосконаленню управління ризиками самих страховиків. Доведено, що в сучасних умовах кардинально змінюються підходи до про цесу надання страхових послуг. Це передбачає всеохоплюючу індивідуалізацію страхових послуг та по вну клієнтоорієнтованість страховиків. Окреслено інструментарій потенційного підвищення конкурен тоспроможності страхових компаній, який охоплює широкий перелік заходів цифрової трансформації. Доведено необхідність поглиблення взаємодії між страховиками компаній та інноваційними компанія ми гігантами даних, що забезпечить прискорення цифрової трансформації перших. The article examines the role of digital transformation in improving the competitiveness of insurance companies. Threats that may arise from the digitalization of the insurance industry are analyzed. The potentials and benefits of innovations are considered, which not only allow the better interaction with consumers of insurance services, but also help to improve the risk management of the insurers themselves. It is justified that one of the main assets of modern insurers around the world is the use of digital platforms in their activity, which allows to meet the needs of insurers more quickly and efficiently than before. The growing amount of digital transactions expand the economic power of digital platforms that connect consumers, businesses and even industries. In this way, digital technologies change the business model of the insurance industry, and this affect the way insurance

To improve the efficiency of organic farming, it is important to improve the management of agricultural enterprises (agrarian management). The research was based on the hypothesis that adequate provision with and the use of fixed assets, as well as the concentration of production, play a decisive role in improving the efficiency of organic farming. This makes it possible to minimize the cost of conducting environmentally safe agro-technical and biocenotic measures, as well as reducing specific production costs. To identify the reasons that hinder the development of organic farming in Ukraine we conducted a survey of managers of 80 agrarian enterprises from different regions specializing in the growing and export of grain (including organic). 65% of the surveyed managers indicated that the reason for non-implementation of organic production was an expected increase in production costs and a decrease in profitability compared to the traditional production methods. The respondents mentioned the lack of logistics infrastructure as the second obstacle according to the intensity of its impact – 25.9% of responses. It has been established that in Ukraine, in comparison with other countries, there is a negative tendency for companies to save money on expanded reproduction and improvement of production technologies. The analysis shows that in most countries organic farming is conducted mainly by small farms, while in Ukraine big farms are certified. In the conditions of the shortage of credit resources necessary for updating the material and technical base, monopolization of the market of organic seeds and systematic growth of prices on resources, big farms are the ones to increase the concentration of organic farming and the means to achieve the necessary efficiency of production.

ACCuMulAtion of SoCiAl CAPitAl AS A PoSitiVe externAlitY of CorPorAte SoCiAl reSPonSiBilitY deVeloPMent in trAnSition eConoMieS Purpose. Justification of a hypothesis about positive externality of involvement of companies in projects of corpo rate social responsibility that is connected with development of the relations of trust and accumulation of the social capital at the level of separate enterprises and national economy in general. An important aspect of the research is determination of impact of social responsibility of business on accumulation of social capital in postSoviet states and development of practical recommendations concerning improvement of state regulation of this field of activity. Methodology. The research is based on general scientific methods (scientific abstraction, analysis, synthesis, and comparative analysis) and methods of statistical data analysis. Results of correlation analysis demonstrate close inter relation between development of corporate social responsibility and level of accumulation of social capital in devel oped countries and transitive economies. The comparative analysis of practice of implementation and development of corporate social responsibility in selected countries using data of World Bank, The Legatum Institute Foundation, UN Global Compact and Transparency International has identified peculiarities and obstacles in a way of develop ment of these processes in postSoviet states. findings. The problem of accumulation of the social capital as positive externality of implementation of practice of corporate social responsibility in market economy is investigated. Major internal and external factors that generate such externality at the level of separate enterprises, and national economy in general are defined. The interrelation between the number of socially responsible companies and the level of development of the social capital in developed countries and transitive economies is analyzed. Core factors which interfere with expansion of the model of social responsibility of business in the countries with transitive economy are discovered. Practical recommendations con cerning forms of the state support of corporate social responsibility in postSoviet states are formulated. originality. The hypothesis concerning accumulation of the social capital as positive externality of development of corporate social responsibility in transitive economies is confirmed. Core factors which interfere with development of socially responsible business and have negative impact on accumulation of social capital in postSoviet states are defined. Practical value. The authors proved that effective reforms in postSoviet states require active measures of state directed to implementation and development of corporate social liability by support and encouragement of business to socially important problems. Practical recommendations concerning accumulation of the social capital in transi tive economies are proved, including improvement of legal regulations, providing fiscal privileges or direct state ...

This article discusses the issue of the state financial security and its components. The study compares the essence of financial security from different points of view, identifies internal and external threats to financial security, and defines the main financial security components, such as budget security, currency security, monetary security, debt security, insurance market security and stock market security. The article examines the current state and role of financial security in the context of the national economic growth, and identifies the trends in the economic development of Ukraine in the long term. The authors analyzed the key indicators of financial security of Ukraine in 2011-2015. The paper demonstrates the calculation of the general indicator of financial security in Ukraine, defines the factors that lead to the negative impact on the state financial security and suggests the ways to improve the financial security under conditions of military conflict in the East and uncertainty in society.

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