文章基本信息

标题：Russian Citizens’ Attitude toward Insurance Policies as a Factor of Individual Economic Security
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作者：Olga Medyanik ; Olga Deyneka
期刊名称：Behavioral Sciences
电子版ISSN：2076-328X
出版年度：2020
卷号：10
期号：1
DOI：10.3390/bs10010023
出版社：MDPI Publishing
摘要：Today, insurance enables the functioning of the market system. In modern Russia, such a mechanism of protection against internal and external threats exists to ensure the economic security of each citizen. Indeed, individual insurance policies continue to gain importance as the most effective risk management tool to guarantee the safety of the health and property of private citizens. The goal of this study was to investigate Russian citizens’ attitudes towards insurance policies and investment bearing in mind the concept of personal economic security. Preparations for this study were focused on theoretical understandings of economic security problems, taking the field of insurance as an example. Our research consisted of four stages, with a total of 1794 participants. The results of this study can offer insight to improve the functioning of the insurance market in accordance with the framework of the Insurance Industry Development Strategy for the Russian Federation—2020. The obtained results can be used from both a political and economic standpoint in the development of a set of measures dealing with the control of financial institutions, promotion of financial literacy, preparation of courses for universities, and trainings for participants in the insurance market. Policyholders can also use this information to advocate for improved insurance programs for citizens..
关键词：insurance behavior; individual economic security; policyholders insurance behavior ; individual economic security ; policyholders