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The Formation of Models of the Insurance Conduct of the Moscow Youth

https://doi.org/10.26794/2226-7867-2019-9-6-82-89

Abstract

One of the most important aspects of the formation of the institutional environment for the insurance market in domestic conditions is the insurance behaviour of the population, in which a person seeks to reduce financial risks by transferring them to the insurer. Trying to protect themselves from financial problems arising as a result of accidents, consequences of crimes and other events that can cause damage to property, life and health, a person acquires insurance products that guarantee him monetary compensation in the event of an insured event. Currently, the insurance industry is developed in many countries. The situation in the Russian market so far indicates a low activity of citizens in the use of insurance services. One of the most common reasons for the underdeveloped insurance behaviour of compatriots, in our opinion, is the low level of knowledge and culture in the field of insurance, which directly reflects the weakness of the penetration of the institute of insurance in the socio-economic practice of the Russian households in comparison with international trends.

About the Authors

N. V. Alikperova
Financial University
Russian Federation

Alikperova N. Valeryevna — Candidat of Economics Sciences, Senior lecturer, Department of Sociology, History and Philosophy, Financial University; A Leading researcher at the Behavioural Economics Research Laboratory, Institute of Socioeconomic Problems of Population of the Russian Academy of Sciences

Moscow



M. A. Proskura
Lomonosov Moscow State University
Russian Federation

Proskura M. Andreevna — 1st -year master’s student, Faculty of Public Administration

Moscow



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For citations:


Alikperova N.V., Proskura M.A. The Formation of Models of the Insurance Conduct of the Moscow Youth. Humanities and Social Sciences. Bulletin of the Financial University. 2019;9(6):82-89. (In Russ.) https://doi.org/10.26794/2226-7867-2019-9-6-82-89

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ISSN 2226-7867 (Print)
ISSN 2619-1482 (Online)