Russian Federation
The article reveals the issues of self-regulation and co-regulation of insurance activities. The use of the comparative analysis method allows the author to reveal the differences between state regulation, self-regulation and co-regulation. At the end of the article, it is concluded that the development of co-regulation and self-regulation is necessary to ensure the financial stability of insurance organizations.
insurance activities, self-regulating organizations in the financial market, co-regulation, professional association of insurers, insurance supervision, the Bank of Russia
1. Federal'nyy zakon ot 25 aprelya 2002 goda № 40-F (s izm. ot 25 dekabrya 2023 goda № 635-FZ) «Ob obyazatel'nom strahovanii grazhdanskoy otvetstvennosti vladel'cev transportnyh sredstv» // SZ RF. – 2002. – 18. – St. 1720.
2. Federal'nyy zakon ot 1 dekabrya 2007 goda № 315-FZ (s izm. ot 2 iyulya 2021 goda № 359-FZ) «O samoreguliruemyh organizaciyah»// SZ RF. –2007. – № 49. – St. 6076.
3. Federal'nyy zakon ot 27 iyulya 2010 goda № 225-FZ ((v red. ot 29 dekabrya 2022 goda № 628-FZ) «Ob obyazatel'nom strahovanii grazhdanskoy otvetstvennosti vladel'ca opasnogo ob'ekta za prichinenie vreda v rezul'tate avarii na opasnom ob'ekte»// SZ RF. – 2010. – № 31. – St. 4194.
4. Federal'nyy zakon ot 25 iyulya 2011 goda № 260-FZ (s izm. ot 13 iyunya 2023 goda № 254-FZ) «O gosudarstvennoy podderzhke v sfere sel'skohozyaystvennogo strahovaniya i o vnesenii izmeneniy v Federal'nyy zakon "O razvitii sel'skogo hozyaystva"» // SZ RF. – 2011. – 31. – St. 4700.
5. Federal'nyy zakon ot 14 iyunya 2012 goda № 67-FZ (s izm. ot 24 iyunya 2023 goda № 278-FZ) «Ob obyazatel'nom strahovanii grazhdanskoy otvetstvennosti perevozchika za prichinenie vreda zhizni, zdorov'yu, imuschestvu passazhirov i o poryadke vozmescheniya takogo vreda, prichinennogo pri perevozkah passazhirov metropolitenom»// SZ RF. – 2012. – № 25. – St. 3257.
6. Federal'nyy zakon ot 22 dekabrya 2014 goda № 424-FZ «O vnesenii izmeneniy v Federal'nyy zakon "O gosudarstvennoy podderzhke v sfere sel'skohozyaystvennogo strahovaniya i o vnesenii izmeneniy v Federal'nyy zakon "O razvitii sel'skogo hozyaystva"» // SZ RF. – 2014. – 52 (chast' I). – St. 7535.
7. Federal'nyy zakon ot 13 iyulya 2015 goda № 223-FZ (s izm. ot 10 iyulya 2023 goda № 298-FZ) «O samoreguliruemyh organizaciyah v sfere finansovogo rynka» // SZ RF. – 2015. – № 29 (chast' I). – St. 4349.
8. Federal'nyy zakon ot 3 iyulya 2016 goda № 292-FZ «O vnesenii izmeneniy v otdel'nye zakonodatel'nye akty Rossiyskoy Federacii»(s izm. ot 28 dekabrya 2017 goda) // SZ RF. –2016. –№ 27 (Chast' I). –St. 4225.
9. Rasporyazhenie Pravitel'stva RF ot 30 dekabrya 2015 goda № 2776-r «O Koncepcii sovershenstvovaniya mehanizmov samoregulirovaniya» // SZ RF. – 2016. – № 2 (chast' II). –St. 458.
10. Instrukciya Banka Rossii ot 15 yanvarya 2020 goda № 202-I (v red. ot 28 marta 2023 goda № 6385-U) «O poryadke provedeniya Bankom Rossii proverok podnadzornyh lic»//Vestnik Banka Rossii. – 2020 god. – № 32. –14 maya.
11. Vnutrenniy standart VSS «Sistema mer vozdeystviya i poryadok ih primeneniya za nesoblyudenie chlenami Vserossiyskogo soyuza strahovschikov trebovaniy bazovyh standartov, vnutrennih standartov i inyh vnutrennih dokumentov Vserossiyskogo soyuza strahovschikov», utverzhdennogo postanovleniem Prezidiuma Vserossiyskogo soyuza strahovschikov, protokol № 22 ot 23 maya 2016 g.(v novoy redakcii ot 19 maya 2022 goda, pr. № 42) // Oficial'nyy sayt VSS. Standarty. URL: https://ins-union.ru/vss%2Fopen-information/standarty/ (data obrascheniya: 20.08.2024 g.)
12. Vnutrenniy standart VSS «Poryadok provedeniya proverok soblyudeniya chlenami vserossiyskogo soyuza strahovschikov trebovaniy zakonodatel'stva rossiyskoy federacii, normativnyh aktov Banka Rossii, bazovyh standartov, vnutrennih standartov i inyh vnutrennih dokumentov vserossiyskogo soyuza strahovschikov», utverzhdennogo postanovleniem Prezidiuma Vserossiyskogo soyuza strahovschikov, protokol № 22 ot 23 maya 2016 goda (v novoy redakcii ot 24 dekabrya 2021 goda, pr. № 35) // Oficial'nyy sayt VSS. Standarty. URL: https://ins-union.ru/vss%2Fopen-information/standarty/ (data obrascheniya: 20.08.2024 g.)
13. Vnutrenniy standart VSS «Poryadok rassmotreniya obrascheniy grazhdan i organizaciy, postupivshih vo Vserossiyskiy soyuz strahovschikov», utverzhden postanovleniem Prezidiuma Vserossiyskogo soyuza strahovschikov protokol № 35 ot 08 avgusta 2018 g. (v novoy redakcii ot 26 noyabrya 2019 g., protokol № 3) // Oficial'nyy sayt VSS. Standarty. URL: https://ins-union.ru/vss%2Fopen-information/standarty/ (data obrascheniya: 20.08.2024 g.)
14. Guznov A.G. Samoregulirovanie na finansovyh rynkah v sisteme nadzora za finansovymi organizaciyami // Vestnik Universiteta imeni O. E. Kutafina. – 2017. – № 8 (36). – S.121-127.; DOI: https://doi.org/10.17803/2311-5998.2017.36.8.121-129; EDN: https://elibrary.ru/ZHMZOL
15. Dik E.V. Osobennosti finansovo-pravovogo regulirovaniya strahovogo kontrolya i nadzora, osuschestvlyaemogo samoreguliruemoy organizaciey na finansovom rynke // Gumanitarnye, social'no-ekonomicheskie i obschestvennye nauki. – 2018. – № 9. –S. 176-177.; DOI: https://doi.org/10.23672/SAE.2018.2018.17983; EDN: https://elibrary.ru/VJYNYB
16. Panin S.Yu. Funkcii samoreguliruemyh organizaciy // Problemy ekonomiki i yuridicheskoy praktiki. – 2020. – T.XVI №1. – S. 85-88.; EDN: https://elibrary.ru/WKMHJO
17. Skok Ya.A. Finansovo-pravovye aspekty deyatel'nosti samoreguliruemyh organizaciy // Teoriya i praktika obschestvennogo razvitiya. – 2022. – № 12 (178). – S 169-174.; DOI: https://doi.org/10.24158/tipor.2022.12.26; EDN: https://elibrary.ru/DGQFDJ
18. Oficial'nyy sayt VSS. Standarty. URL: https://ins-union.ru/vss%2Fopen-information/standarty/ (data obrascheniya: 20.09.2024 g.)
19. Oficial'nyy sayt VSS. Godovoy otchet VSS za 2023 god. URL: https://ins-union.ru/vss%2Fopen-information/godovoy-otchet-vss/ (data obrascheniya: 10.09.2024 g.)
20. Oficial'nyy sayt VSS. Proverki chlenov VSS i primenennye mery. URL: https://ins-union.ru/vss%2Fopen-information/standarty/ (data obrascheniya: 20.09.2024 g.)
