The insurance industry is rather effective in overcoming consequences of natural disasters. Insurance companies play a key role in financing natural disasters consequences, at the same time they ...sustain record losses and are in difficult financial conditions. Taking into account the above said, the issues of management of insurers risks is up-today and is connected with climate change. In article the content of “climate risk” as risk is specified, the emergence of which is caused by human activity, which leads to pollution, resulting from industrial activity and other sources that greenhouse gases (carbon dioxide) which are capable to absorb a range of infrared radiation generate and, as a result, predetermine warming of the global atmosphere that brings to change of structure of the world atmosphere and adds natural climate instability during the certain periods of time. The most destructive dangers threatening to mankind owing to global warming are systematized. Types of risks and their sphere of manifestation in Ukraine are outlined. The directions of adaptation of the insurance industry to changes, caused by climatic crisis are defined. Due to results of the research, the theoretical generalization and author’s solutions of a scientific task are offered, which appear in the development of scientific and methodical approaches and justification of practical recommendations about modernization of activity of insurance companies and reinsurers in the conditions of risks, generated by global climate changes. Scientific novelty of the research: specifying the role of the insurance industry regarding the prevention of risks connected with global warming.
The spread of digital technologies
has led to a new stage in the transformation of financial systems around the
world and has become a trigger for innovative changes in all areas of financial
...intermediation. The purpose of this article is to analyze the preconditions and
trends, identify the advantages, opportunities and risks of digital
transformation of financial intermediation in the face of increasing competition
and intensifying disintermediation, including in Ukraine. Analytical and
systemic approaches, methods of comparative and factor analysis were used to achieve the article goals. The most important research results that have theoretical
significance include the substantiation of conceptual approaches to the
formation of a common ecosystem of financial intermediation and an insurance
ecosystem based on the integration of digital technologies. It has been proved that, despite the
spread of digitalization, for financial intermediaries is important the
compliance with the principles of customer orientation, innovation, efficiency
and effectiveness, security and organizational flexibility. The digital trends of financial intermediation in relation to its main
functions have been identified, new types of risks associated with the spread
of FinTech and the possible consequences of their impact have been identified.
The features of the institutional
structure of financial intermediation and implementation of financial
innovations in Ukraine have been described, the regulatory policy of the
National Bank of Ukraine, the innovative activity of FinTech industry in the
context of the spread of digitalization are presented, which can be useful in
terms of studying foreign experience. The
results of this study can serve as a basis for understanding key trends,
conceptual approaches to changing business models and formation of financial
intermediation ecosystems, directions and opportunities for the introduction of
innovative financial technologies for the correct orientation and response to
dynamic changes in the financial services market.
Širenje digitalne tehnologije dovelo je do nove faze u transformaciji financijskog sustava diljem svijete te je postalo okidačem za inovativne
promjene u svim područjima financijskog posredovanja. Svrha ovog članka
je analizirati preduvjete i trendove, identificirati prednosti, prilike
i rizike digitalne transformacije financijskog posredništva, u okolnostima rastuće konkurencije i jačanja ne-posredništva, uključujući i
Ukrajinu. Analitički i sistemski pristupi, metode komparativne i faktorske analize korišteni su za postizanje ciljeva članka. Najvažniji rezultati istraživanja, koji su teorijski značajni, uključuju potporu konceptualnim pristupima u formiranju zajedničkog ekosustava financijskog posredništva i ekosustava osiguranja, temeljenih na integraciji digitalnih tehnologija. Dokazano je da je, unatoč širenju digitalizacije, za financijske posrednike važna usklađenost s načelima orijentiranosti na kupce / klijente, inovativnost, učinkovitost i djelotvornost, sigurnost i organizacijska fleksibilnost. Identificirani su digitalni trendovi financijskog posredovanja, u odnosu na njegove temeljne funkcije, nove vrste rizika povezane sa širenjem FinTech-a i moguće posljedice njihovog utjecaja. Opisane su značajke institucionalne
strukture financijskog posredništva i provedbe / implementacije financijskih inovacija u Ukrajini, regulatorna politika Narodne banke Ukrajine, prikazana je inovacijska aktivnost FinTech industrije, u kontekstu širenja digitalizacije, što može biti korisno u proučavanju stranog iskustva. Rezultati ovog istraživanja mogu poslužiti kao osnova razumijevanju ključnih trendova, konceptualnih pristupa promjeni poslovnih modela i oblikovanja ekosustava financijskog posredništva, uputa i mogućnosti uvođenja inovativnih financijskih tehnologija, za ispravnu orijentaciju i odgovor na dinamične promjene na tržištu financijskih usluga.
Širenje digitalne tehnologije dovelo je do nove faze u transformaciji financijskog sustava diljem svijete te je postalo okidačem za inovativne promjene u svim područjima financijskog posredovanja. ...Svrha ovog članka je analizirati preduvjete i trendove, identificirati prednosti, prilike i rizike digitalne transformacije financijskog posredništva, u okolnostima rastuće konkurencije i jačanja ne-posredništva, uključujući i Ukrajinu. Analitički i sistemski pristupi, metode komparativne i faktorske analize korišteni su za postizanje ciljeva članka. Najvažniji rezultati istraživanja, koji su teorijski značajni, uključuju potporu konceptualnim pristupima u formiranju zajedničkog ekosustava financijskog posredništva i ekosustava osiguranja, temeljenih na integraciji digitalnih tehnologija. Dokazano je da je, unatoč širenju digitalizacije, za financijske posrednike važna usklađenost s načelima orijentiranosti na kupce / klijente, inovativnost, učinkovitost i djelotvornost, sigurnost i organizacijska fleksibilnost. Identificirani su digitalni trendovi financijskog posredovanja, u odnosu na njegove temeljne funkcije, nove vrste rizika povezane sa širenjem FinTech-a i moguće posljedice njihovog utjecaja. Opisane su značajke institucionalne strukture financijskog posredništva i provedbe / implementacije financijskih inovacija u Ukrajini, regulatorna politika Narodne banke Ukrajine, prikazana je inovacijska aktivnost FinTech industrije, u kontekstu širenja digitalizacije, što može biti korisno u proučavanju stranog iskustva. Rezultati ovog istraživanja mogu poslužiti kao osnova razumijevanju ključnih trendova, konceptualnih pristupa promjeni poslovnih modela i oblikovanja ekosustava financijskog posredništva, uputa i mogućnosti uvođenja inovativnih financijskih tehnologija, za ispravnu orijentaciju i odgovor na dinamične promjene na tržištu financijskih usluga.
The state of drained land in Ukraine as well as institutional support of the organization of their effective use are analyzed. The problems of institutional support of organizations effective use and ...conservation of drained lands of Ukraine are presented. The ways for overcome them in a new land relations are proposed.
Modern technologies are an active tool for the development of practical skills, which has a positive value for distance learning as well. The aim of the work is to determine the role of interactive ...platforms in enhancing self-motivation during distance postgraduate studies. The research employed the following methods: comparison, the Stapel scale, calculations of the motivation factor, the activity ratio; Sherman test. The development of the teacher’s communication and personal skills in education involved the use of the MOODLE platform; student evaluation mechanisms involved the use of the Liveworksheets application. It was determined that self-motivation was reflected in the search for non-standard methods for presenting information (23.4), the study of new materials (22.1), the research activity (19.7). The study showed that conducting open lessons by teachers who were undergoing postgraduate training was reflected in their obtaining high results. Primary school teachers achieved a high level of knowledge among 68%, Ukrainian language – 71%, mathematics – 64%. The practical significance of the work is the possibility of creating new approaches to postgraduate training of primary and secondary school teachers. Research prospects may be related to determining the advantages of various interactive platforms for conducting postgraduate studies.
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