The article reveals the essence of credit risks, substantiates the necessity of their security in modern conditions, and also proves that the credit risk insurance should focus on protecting borrowers from risks that threaten their solvency. In the course of the study, different approaches to the division of the credit risk insurance are analyzed, and it is established that credit risks are a kind of financial risks which are a component of business risks, and the concept of "credit insurance" is identical to the concept of "insurance of credit risks" and includes the concept of "loans insurance". The article substantiates the classification of the credit insurance based on the allocation of various types of credit relations which are formed both with banks-creditors and between economic entities in the process of product sales, as well as makes the division of insurance services which are included in the credit insurance by types of loans. The research also offers the division of the credit insurance for various branches of insurance, the form of insurance, the duration of insurance contracts, and the method of organization of insurance protection. According to the research, it is concluded that a detailed study of the content and structure of the credit insurance has not only theoretical but also practical value, as it allows comparing different types of insurance coverage of credit risks and choosing the most optimal insurance.

Панченко О. І. Типологізація фінансових ризиків як основа організації їх страхового захисту Метою статті є розкриття економічної сутності фінансових ризиків та обґрунтування їх типології як основи організації страхового захисту. Розкрито особливості класифікації фінансових ризиків у сучасних умовах, які пов'язані з неоднозначністю та відсутністю загальновизнаної та вичерпної класифікації фінансових ризиків, що призводить до формування суперечливих способів управління ризиками та їх наслідкам, особливо при організації їх страхового захисту. Проаналізовано різні підходи щодо поділу фінансових ризиків і встановлено, що фінансові ризики є складовою підприємницьких ризиків і поділяються на похідні та прямі ризики, а також на чисті та спекулятивні, залежно від наслідків ризиків і можливості їх страхування. Обґрунтовано типологію фінансових ризиків на основі поділу підприємницької діяльності на різні сфери. Надано характеристику фінансових ризиків суб'єктів господарювання (крім фінансового ринку) та видів фінансових ризиків фінансових посередників. При цьому здійснено поділ фінансових ризиків на ті, що властиві обом сферам діяльності та кожній окремо.

The crisis caused by the COVID-19 pandemic has highlighted the need to update the criteria for describing the financial behavior of households. The purpose of the article is to substantiate the criteria for describing the financial behavior model of households in a specific period and in terms of the economic space localization of the regions. It is emphasized in the article that a set of criteria of the economic, psychological, demographic, sociological, and social nature should be used to describe the financial behavior model of households. It is substantiated that in the conditions of the COVID-19 virus spread, the criteria of the digitalization and localization of economic space of the regions should be added to the set of criteria for this model description. Prospects for further research determine the application of the criteria presented in the article in the economic-mathematical model of the description of the financial behavior transformation of households in terms of digitalization and spread of the COVID-19 virus.

The article is devoted to identifying the features of the transformation of the regional models of the households' financial behavior. An algorithm and a method for determining the level of the households' financial behavior transformation are proposed. Based on this methodology, the authors made calculations that allowed to group the regions according to the level of the households' financial behavior transformation. As a result, four groups of regions have been identified: with a high level of the households' financial behavior transformation, with a level above average, with a medium and low level of the households' financial behavior transformation. Features of each group of regions are described. The increase in the impact of digitalization on the financial behavior of households as a result of the COVID-19 pandemic has been demonstrated.