Scientific and practical journal
Regional Economy

Kozoriz Hryhoriy Heorhiyovych

Kozoriz Hryhoriy Heorhiyovych

Ph.D. of Economics, Associate Professor

Associate Professor of the Department of finance, banking and insurance of the Faculty of Finance and Management of the Lviv Academic Institute of University of Banking




Repository of Institute of Regional Research UDC 351.84:304.4;JELG22,H53
Kozoriz, H. H. (2016). Sotsial'ne strakhuvannya yak element derzhavnoyi sotsial'noyi polityky [Social insurance as an element of state social policy]. Rehional'na ekonomika - Regional Economy, 79(1), 70-77. [in Ukrainian].

Sources: 18

The article discusses the functioning of the social security system as a mechanism for implementation of the state social policy of Ukraine at the present stage.
It is pointed out the establishment of an independent state of Ukraine was accompanied by the creation of its own system of social protection of the population from the emerging social and economic threats and risks, which was to replace the previously existing social security system. It is noted that the basic principles of social insurance are: payment, solidarity and equivalence of compensation. The main areas of social security and the sources of their respective social security funds are analyzed. To conclude that the total amount of insurance contributions to social insurance funds Ukrainian insurance premiums in the European Union and a higher degree of the insurance burden on employers.
Based on an analysis of GDP and expenditures of the Pension Fund of Ukraine to pay pensions over the period 2010-2015 concluded that reducing the share of expenditures of the Pension Fund in GDP from 17.7% to 14.7%.
The author conducted a structural analysis of revenues and expenditures of the Pension Fund of Ukraine for the years 2012-2015, which resulted in the identified limiting the size and sources of financing the deficit of the Pension Fund for the payment of pensions. It is emphasized that in the last four years, the payment of pensions and the deficit of the state budget funds Pension Fund sent annually from 64.2 to 80.9 billion UAH.
Comparative analysis of monthly pension, subsistence minimum and wages led to the conclusion that a low level to ensure social standards of living and a high degree of differentiation of pensions assigned in different laws. It is pointed out that the loss of ability to work as a result of retirement or job loss as a result of unemployment dramatically reduces the incomes of people.
Economic decline, social, political and military destabilization caused the emergence of new social risks for the population, requiring adjustment of the existing system of social insurance: internally displaced people from the areas annexed the Crimea and carrying ATO in Donetsk and Lugansk regions; families, survivors in the fighting; combatants; soldiers were seriously injured and needed expensive treatment and prosthetics; social issues in the destroyed towns and villages, related to employment, housing, pensions and social benefits, the provision of social and health services and others.
In conclusion directions for further development of the social security system are justified. There were: combining common functions of social security funds, the possibility of creating a single fund of social insurance, the introduction of a funded pension insurance system, as well as to work effectively in other countries, the system of special corporate pension payments, the introduction of compulsory health insurance, increased transparency operation of social security funds. 
social policy, social insurance, social insurance funds, Pension Fund of Ukraine, pension insurance, social standards and guarantees 

Repository of Institute of Regional Research UDC 369(477)
Kozoriz, G. G. (2014). Napryamy pidvyshchennya efektyvnoho funktsionuvannya systemy sotsial'noho strakhuvannya v Ukrayini [Directions for increasing the effective functioning of the social insurance system in Ukraine]. Rehional'na ekonomika - Regional Economy, 74(4), 117-126. [in Ukrainian].

Sources: 17

Is determined that social insurance system in Ukraine by the principles of construction meet international standards however signifcantly differs from those operating in developed countries. The domestic system of social insurance differs both in quantitative parameters of functioning, and quality of social services. Based on the analysis of indicators that characterize the results of the system functioning of social insurance, is established its dependence on the general state of the national economy. The main attention is paid to the defnition of relationship of parameters of functioning of the system of social insurance with indicators of macro- and microeconomic nature. Dependence of system of social insurance with macroeconomic indicators such as the nature of the solvency of the population, level of shadow economy, the budget defcit and so on is proven. Microeconomic indicators defne the internal problems which are incorporated in the system of social insurance. These issues include:a ) inconsistency of legal framework of social insurance; b) frequent changes in legislation on which social insurance is based; c) - the lack of analytical predictions about possible changes in economic, political, energy situation in the country and their impact on social security; e) lack of strategic directions of the social insurance system. The main focus of paper is given to substantiation of ways for improving the effciency of the social insurance system through the use of intrastate opportunities and elimination of existing defciencies present. In Ukraine, has been formed negative trend of increased spending from the state budget for social insurance. Constantly are increasing subsidies to the Pension Fund for payment of pensions to the population of Ukraine. Based on the research we substantiate the necessity of improving organizational and fnancial management of social insurance funds in the following areas: a) creation of general economic conditions for the establishment of an effective system of social security; b) improvement of mechanisms social security; c) promotion of voluntary health insurance, including accumulative pension system. We indicate ways of implementing these directions that envisage the need to create an attractive business environment, reduction of infation, legalization of employment of citizens, reduction of unwarranted expenses of insurance funds. An important directions of reformation of social insurance system is defned as the introduction of health insurance and social the provision of further development of private pension insurance, promotion of corporate social insurance. Considerable attention is paid to the role and functions of information policy to ensure the development of social insurance. 
insurance, social insurance, pension insurance, insurance funds reforming 

Repository of Institute of Regional Research UDC 368.02:316.422(477)
Kozoriz, G. G. (2013). Priorytetni napryamy modernizatsiyi strakhovoho rynku Ukrayiny v umovakh hlobal'nykh vyklykiv [Priority Directions of Ukraine’s Insurance Market Modernization in Terms of Global Challenges]. Rehional'na ekonomika - Regional Economy, 67(1), 26-34. [in Ukrainian].

Sources: 18

Features of the Ukrainian insurance market functioning in the world economy are examined. The latest trends in the global insurance sector are identified. Key areas of adaptation and improvement of Ukrainian insurance market in the global economic environment are offered. 
insurance market, insurance premiums, insurance benefits, globalization, integration, global challenges, modernization 

Repository of Institute of Regional Research Kozoriz, G. G. (2011). Problemy realizatsiyi sotsial'nykh funktsiy strakhuvannya v Ukrayini [Problems of Insurance Social Functions Realization in Ukraine]. Rehional'na ekonomika - Regional Economy, 60(2), 137-142. [in Ukrainian]. 

The problems of domestic insurance market development are defined, the necessity of strengthening of insurance social functions directed at satisfaction of population and legal entities’ necessity in insurance protection is proved. Main attention is paid to determination of the essence of insurance social functions and their influence on national economy development and society development on the whole. The issues related to insurance protection maintenance of separate individuals and groups of population as a result of insurance social functions realization in Ukraine are detached into separate block. 
insurance protection, social functions of insurance, problems of development, population, legal entities 

Repository of Institute of Regional Research Kozoriz, G. G. (2010). Metodychni pidkhody do analizu finansovoyi nadiynosti i platospromozhnosti strakhovykh kompaniy [Methodical Approaches to Analysis of Financial Accountability and Solvency of Insurance Companies]. Rehional'na ekonomika - Regional Economy, 58(4), 76-82. [in Ukrainian]. 

The fact that the excessive closedness of financial activity results and limited access of insurants to information are the weak points in development of national insurance market is proved. Requirements to analysis and estimation of results of insurance companies’ financial activity are outlined from the perspective of system approach and with consideration of insurants interests. 
financial accountability and solvency, insurance companies, insurants, analysis, estimation, system approach 

Repository of Institute of Regional Research UDC 368(477)
Kozoriz, H. H. (2008). Problemy rozvytku strakhovoho rynku v Ukrayini [Problems of Insurance Market Development in Ukraine]. Rehional'na ekonomika - Regional Economy, 48(2), 182-191. [in Ukrainian].

Sources: 10

Reasons and problems which brake insurance market of Ukraine development have been analysed and their systematization has been offered. Ways of the solution of problems of insurance market development of Ukraine have been indicated. 
insurance market, insurance companies, swindles in insurance, level of insurance payments 

Веб-майстер П. Попадюк