DOI: 10.7256/2453-8906.2017.1.20134

Abstract: The economically developed countries successfully realize vehicle insurance – the process of financial compensation for damage to the individuals suffered as a result the use of their vehicle or its theft. Such type of insurance compensates for various damages not only to the participants of motor vehicle traffic, but also to the third parties who accidently become the victims of the road traffic accidents. Considering the currents status and development prospects of the motor vehicle pool in Russia, it can be suggested that in near future, car insurance will become a leading branch of the national insurance market. Due to this fact, the timely solution for the existing in this sphere issues of institutional, organizational-legal, and socioeconomic character will be required. The subject of this research is the peculiarities of trends in car insurance. The goal is the examination of these peculiarities alongside the prospects of development of the car insurance market in Russia at the present stage. The author determines the main trends in car insurance in the Russian Federation, as well as demonstrates the number of accidents and their victims. The specificities of car insurance in Russia are being revealed on the example of OSAGO and KASKO. Taking into account the main trends and issues in car insurance in the Russian Federation, the author proposes the development of strategy aimed at institutionalization of the system of socioeconomic relations. The stages of the concept of strategy on institutionalization of safety of the system of socioeconomic relations consist in the following: cryptographic algorithms and infrastructure; organization of business models based on the new peer relations and touring technologies; development of practical solutions for the new generation business models. The car insurance market in Russia is represented by multiple companies, thus the main goal of car owners is to make the right choice of their insurance provider.

DOI: 10.7256/2454-0765.2016.4.18542

Abstract: Investment activity creates a basis for the development of all kinds of business. In order to carry out such activity, it is very important to satisfy the need for investment resources, methods of developing such resourches and methods of their efficient use in the future. Thus, peculiarities of the structure of investment sources and analysis of formation and use of investment resources in the Russian Federation is an important task because the overall level of the country's economy, economic security and institutionalization depend on how efficiently these resources are formed and used. The subject of the research is the structure of investment sources into the basic capital of Russia. The purpose of the present article is to analyze the process of developing investment resources in the Russian Federation as well as to define peculiarities of the structure of investment sources. The authors of the article apply the method of analysis when defining the main sources of attracting investments into the basic capital of the Russian Federation and evaluating the gross accumulation. They also use the graphic method to build the structure of investment sources into the basic capital of the Russian Federation and to describe the dynamics of Russia's gross domestic savings and gross accumulation. The main results of the research are the following. The authors have defined the main causes of low investment activity of Russian enterprises; have analyzed the main sources of attracting investments into the basic capital of the Russian Federation; have described certain economic activities that promote the best investments into the basic capital of the Russian Federation; and have given recommendations for solving the problem of attracting more investments in the country's economy. The scope of application of the results and the novelty of the research are as follows. The authors have discovered the relationship between the structure of investment resources and their influence on the financial stability and economic security of enterprises in the decision making process at the marcolevel (state regulation of the Russian Federation insvetment policy). Conclusions are the following. Investment resources should be taken from the most appropriate sources of a particular enterprise and used rationally. For this purpose it is necessary to apply measured aimed at improving the system of control over receipts and expenditures of the country's budget. The results of analyzing the past 5years demonstrate that Russian enterprises have been mostly using their own sources for their investment activity. However, taking into account the fact that such sources are usually insufficient for funding investment activity, the industrial potential of Russia is rapidly aging and Russia's economy has high needs for investments. Therefore, it is necessary to provide the best comfortable conditions for restructuring the industrial process when obtaining tax investment credit or tax holidays. The statement that investment resources are not used rationally or efficiently enough is proved by the fact that a consderable part of domestic savings are not used for internal investments but taken abroad. In order to change this tendency, it is necessary to simplify the order, procedure and resude the number of approvals, licenses and technical conditions required for conducting investment projects in Russia.