ГОСПОДАРСЬКО-ПРАВОВЕ УРЕГУЛЮВАННЯ СТРАХОВОЇ ДІЯЛЬНОСТІ В УМОВАХ ЇЇ ДІДЖИТАЛ-ТРАНСФОРМАЦІЇ

Abstract

In the conditions of growing competition with traditional methods of business organization and production activity today, it is not only impossible to ensure production growth, but sometimes even to maintain its functioning at the achieved level. This encourages economic entities to search for new methods, means of conducting business, including insurance activity. One of the areas of improvement of insurance activity is the use of the latest technologies, digitalization. Legal (economic and legal) support is a means of introducing digitization into economic activity. Based on this, research and determination of the most effective approach to the development, improvement of the economic and legal provision of the latest technologies, digitalization in the field of insurance is relevant. The purpose of the article is to substantiate the expediency of using a systemic approach to the development of economic and legal support. The economic and legal provision of insurance can be presented in the form of a certain complex of normative and legal acts, which includes codified documents issued by the Verkhovna Rada of Ukraine; by its President, ministries, agencies, and other bodies of executive power. In order to ensure the intensive development of digitalization in the field of insurance activity, it is necessary to systematically approach the development of its economic and legal regulation, to consider this regulation in relation to all stages of the life of the relevant activity. Basic (legislative) legal acts must specify the main directions of digital transformation of the insurance business, and lower-level acts must contain methodological provisions. One of the most discussed issues by researchers of relations in the field of insurance entrepreneurship is the issue of the unity of the conceptual apparatus. Digitalization means enabling, transforming, improving production functions, business processes, or all production activities, transferring them to digital technologies, through ensuring the functioning of digital data transformed into knowledge, to obtain certain competitive advantages. To ensure the intensive development of digitalization in the field of insurance activity, it is advisable to systematically approach the development of its economic and legal regulation, use the general theory of systems, the methodology of system analysis, a problem-oriented approach, methods of modeling, sociological survey, etc.

The basic methodology of the approach to the development of economic and legal support for digitization in the field of insurance activity is to define and realistically use the general theory of systems, system analysis, problem-oriented approach and other methods of the scientific arsenal. The author singled out the provisions of the system methodology, which should be used within the framework of the proposed approach to the development of economic and legal support. Other methods necessary for the implementation of a systemic approach to the development of economic and legal support have been identified.