{"id":3507,"date":"2021-01-30T22:43:26","date_gmt":"2021-01-30T20:43:26","guid":{"rendered":"http:\/\/journals.khnu.km.ua\/vestnik\/?p=3507"},"modified":"2021-05-18T09:24:01","modified_gmt":"2021-05-18T06:24:01","slug":"%d0%bc%d0%be%d0%b4%d0%b5%d0%bb%d1%8c-%d1%84%d1%96%d0%bd%d0%b0%d0%bd%d1%81%d0%be%d0%b2%d0%be%d0%b3%d0%be-%d0%b0%d0%bd%d0%b0%d0%bb%d1%96%d0%b7%d1%83-%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%be","status":"publish","type":"post","link":"https:\/\/journals.khnu.km.ua\/vestnik\/?p=3507","title":{"rendered":"\u041c\u043e\u0434\u0435\u043b\u044c \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0430\u043d\u0430\u043b\u0456\u0437\u0443 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0457 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457"},"content":{"rendered":"<p><!--more--><\/p>\n<p style=\"text-align: center;\">\u041c\u041e\u0414\u0415\u041b\u042c \u0424\u0406\u041d\u0410\u041d\u0421\u041e\u0412\u041e\u0413\u041e \u0410\u041d\u0410\u041b\u0406\u0417\u0423 \u0421\u0422\u0420\u0410\u0425\u041e\u0412\u041e\u0407 \u041a\u041e\u041c\u041f\u0410\u041d\u0406\u0407<\/p>\n<p style=\"text-align: center;\">MODEL OF FINANCIAL ANALYSIS of INSURANCE COMPANY<\/p>\n<p><strong><a href=\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2021\/01\/47-8.pdf\"><img src=\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2021\/01\/pdf.png\" \/><\/a> \u0421\u0442\u043e\u0440\u0456\u043d\u043a\u0438: 243-252. \u041d\u043e\u043c\u0435\u0440: \u21165, 2020 (286)<\/strong><\/p>\n<p><strong>\u0410\u0432\u0442\u043e\u0440\u0438:<\/strong><br \/>\n\u0411\u0410\u041a\u0410\u041b\u041e\u0412\u0410 \u041d. \u041c.<br \/>\n\u0425\u043c\u0435\u043b\u044c\u043d\u0438\u0446\u044c\u043a\u0438\u0439 \u043d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0443\u043d\u0456\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442<\/p>\n<p>Bakalova N.<br \/>\nKhmelnytskyi National University<\/p>\n<p><strong>DOI<\/strong><strong>:<\/strong>\u00a0<a href=\"https:\/\/www.doi.org\/10.31891\/2307-5740-2020-286-5-45\">https:\/\/www.doi.org\/10.31891\/2307-5740-2020-286-5-45<\/a><br \/>\n<strong>\u041d\u0430\u0434\u0456\u0439\u0448\u043b\u0430 \/ Paper received :<\/strong> 20.09.2020<br \/>\n<strong>\u041d\u0430\u0434\u0440\u0443\u043a\u043e\u0432\u0430\u043d\u0430 \/ Paper Printed :<\/strong> 05.11.2020<\/p>\n<p style=\"text-align: center;\"><strong>\u0410\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u043c\u043e\u0432\u043e\u044e \u043e\u0440\u0438\u0433\u0456\u043d\u0430\u043b\u0443<\/strong><\/p>\n<p>\u0421\u0443\u0447\u0430\u0441\u043d\u0456 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0456 \u0443\u043c\u043e\u0432\u0438, \u0432 \u044f\u043a\u0438\u0445 \u0432\u0435\u0434\u0443\u0442\u044c \u0441\u0432\u043e\u044e \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0456 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457, \u0432\u0438\u043c\u0430\u0433\u0430\u044e\u0442\u044c \u0432\u0456\u0434 \u043d\u0438\u0445 \u0491\u0440\u0443\u043d\u0442\u043e\u0432\u043d\u043e\u0433\u043e \u0442\u0430 \u0433\u043b\u0438\u0431\u043e\u043a\u043e\u0433\u043e \u0430\u043d\u0430\u043b\u0456\u0437\u0443 \u0432\u0441\u0456\u0445 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0438\u0445 \u043f\u0440\u043e\u0446\u0435\u0441\u0456\u0432, \u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u043e\u0433\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u0456\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u043e\u0432\u0438\u043c\u0438 \u043f\u043e\u0442\u043e\u043a\u0430\u043c\u0438 \u0442\u0430 \u0456\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0456\u0439\u043d\u0438\u043c\u0438 \u043f\u0440\u043e\u0435\u043a\u0442\u0430\u043c\u0438, \u043f\u043b\u0430\u043d\u0443\u0432\u0430\u043d\u043d\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u0441\u043a\u043b\u0430\u0434\u043e\u0432\u043e\u0457 \u0442\u0430 \u0440\u0438\u0437\u0438\u043a\u0456\u0432. \u0413\u0430\u0440\u0430\u043d\u0442\u043e\u043c \u0432\u0438\u043a\u043e\u043d\u0430\u043d\u043d\u044f \u0437\u043e\u0431\u043e\u0432\u2019\u044f\u0437\u0430\u043d\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0457 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457 \u043f\u0435\u0440\u0435\u0434 \u0441\u0432\u043e\u0457\u043c\u0438 \u043a\u043b\u0456\u0454\u043d\u0442\u0430\u043c\u0438 \u0454 \u0430\u043a\u0443\u043c\u0443\u043b\u044e\u0432\u0430\u043d\u043d\u044f \u043d\u0435\u044e \u043a\u043e\u0448\u0442\u0456\u0432 \u0442\u0430 \u0443\u0441\u043f\u0456\u0448\u043d\u0435 \u043f\u043e\u0434\u0430\u043b\u044c\u0448\u0435 \u0457\u0445 \u0456\u043d\u0432\u0435\u0441\u0442\u0443\u0432\u0430\u043d\u043d\u044f. \u0415\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u0430 \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0438\u043a\u0456\u0432 \u0437\u0430\u043b\u0435\u0436\u0438\u0442\u044c \u0432\u0456\u0434 \u0440\u0456\u0432\u043d\u044f \u0457\u0445 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u0441\u0442\u0456\u0439\u043a\u043e\u0441\u0442\u0456 \u0442\u0430 \u043f\u043b\u0430\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0456. \u0422\u043e\u043c\u0443 \u0430\u043d\u0430\u043b\u0456\u0437 \u0442\u0430 \u043c\u043e\u0434\u0435\u043b\u044e\u0432\u0430\u043d\u043d\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u0441\u0442\u0456\u0439\u043a\u043e\u0441\u0442\u0456 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0457 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457 \u0454 \u0437\u0430\u043f\u043e\u0440\u0443\u043a\u043e\u044e \u0457\u0457 \u0440\u043e\u0437\u0432\u0438\u0442\u043a\u0443, \u0437\u0430\u0431\u0435\u0437\u043f\u0435\u0447\u0435\u043d\u043d\u044f \u0441\u0442\u0456\u0439\u043a\u043e\u0441\u0442\u0456 \u0442\u0430 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0456 \u0432 \u0441\u0443\u0447\u0430\u0441\u043d\u0438\u0445 \u0443\u043c\u043e\u0432\u0430\u0445 \u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043c\u0443 \u0440\u0438\u043d\u043a\u0443.<br \/>\n<strong>\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f, \u0434\u0438\u043d\u0430\u043c\u0456\u0447\u043d\u0438\u0439 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u0430\u043d\u0430\u043b\u0456\u0437, \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0430 \u0441\u0442\u0456\u0439\u043a\u0456\u0441\u0442\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0457 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457.<\/p>\n<p style=\"text-align: center;\"><strong>\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u0430 \u0430\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e<\/strong><\/p>\n<p>The need or even the need for effective financial management exists in every enterprise. The only question that arises is what tools to use to provide reliable information that allows you to make accurate current and strategic decisions.<br \/>\nModern economic conditions in which insurance companies operate require a thorough and in-depth analysis of all economic processes, perfect management of cash flows and investment projects, planning the financial component and risks. The guarantee of the insurance company&#8217;s obligations to its clients is the accumulation of funds and successful further investment. The effective operation of insurers depends on the level of their financial stability and solvency. Therefore, the analysis and modeling of the financial stability of the insurance company is the key to its development, ensuring stability and competitiveness in modern conditions in the insurance market. Changes in the environment of insurance companies and the company itself have contributed to the introduction of modern risk management tools. Continuous improvement allows them to be used more and more in the process of making strategic decisions, for which dynamic financial analysis (DFA) has become indispensable and widely used in economic practice. The DFA allows for an integrated and holistic quantitative analysis of relevant risk factors and to study the relationship between determinants. This modern approach to risk management allows management to freely formulate strategies and provide the necessary results (initial data) to confirm the validity of their application. Creating Monte Carlo scenarios for a large number of dependent risk factors and several periods is usually associated with certain problems that most practitioners do not face because they use commercial software.<br \/>\n<strong>Key words:<\/strong> insurance company, dynamic financial analysis, financial stability of insurance company.<\/p>\n<p style=\"text-align: center;\"><strong>\u00a0References<\/strong><\/p>\n<ol>\n<li>Bazylevych V.D. Strakhuvannia: pidruchnyk \/ za red. V. D. Bazylevycha. \u2013 K. : Znannia, 2008. \u2013 1019 s.<\/li>\n<li>Vitlinskyi V.V. Analiz, modeliuvannia ta upravlinnia ekonomichnym ryzykom : navch.-metod. posibnyk dlia samost. vyvch. dysts. \/ Vitlinskyi V.V., Verchenko P.I. \u2013 K. : KNEU, 2000. \u2013 292 s.<\/li>\n<li>Osnovy aktuarnykh rozrakhunkiv : navchalno-metodychnyi posibnyk \/ za red. chl. Ukrainskoho Tovarystva aktuariiv I. O. Kovtuna. \u2013 K. : Altera, 2014. \u2013 328 s.<\/li>\n<li>Osnovy aktuarnykh rozrakhunkiv : [navchalno-metodychnyi posibnyk \/ S.M. Laptiev, V.I. Hrushko, M.P. Denysenko, V.H.\u00a0Kabanov, I.O. Kovtun, O.S. Liubun]. \u2013 K.: Alerta \u2013 Kyiv, 2004. \u2013 327s.<\/li>\n<li>Pidkuiko S.I. Aktuarna matematyka: korotkoterminovi modeli indyvidualnoho ta kollektyvnoho ryzyku \/ S. I. Pidkuiko. \u2013 Lviv, 2000.<\/li>\n<li>Redhed K. Upravlenie finansovymi riskami \/ K. Redhed, S. Hyus. \u2013 M. : Infra-M, 1996. \u2013 228 s.<\/li>\n<li>Hempton D. Finansovoe upravlenie v strahovyh kompaniyah \/ D. Hempton ; perevod s angl. \u2212 M. : Ankil, 2015. \u2212 263 s.<\/li>\n<li>Iastremskyi O. Osnovy teorii ekonomichnoho ryzyku \/ O. Yastremskyi. \u2013 K. : Artek, 1997. \u2013 248 s.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/3507"}],"collection":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3507"}],"version-history":[{"count":3,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/3507\/revisions"}],"predecessor-version":[{"id":6423,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/3507\/revisions\/6423"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3507"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3507"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}