00643naa#a2200181#i#450# EN\\bibl\90367 20260621104258.7 2500-3372 20250328b2025####ek#y0engy0150####ca RU Availability Assessment of Insurance Services on the Russian Financial Market Journal article Kemerovo Kemerovo State University 2025 10 с. Journal article local Экономика. Народное хозяйство. Экономические науки. 33 Kalacheva Elena Alekseevna Kalacheva Irina Vladimirovna zh-szf.ru