METHODOLOGICAL APPROACHES TO PRIORITY ASSESSMENTOFBUSINESS PROCESSES IN THE AGRARIAN INSURANCE MARKET

Abstract

Purpose. Use of methodical approaches for assessing the importance and priority of business processes in the agrarian insurance market. Methodology of research. The methodological basis of the study was general theoretical methods of scientific knowledge. Using the methods of induction and deduction the conceptual apparatus of agrarian insurance is disclosed and the role of business processes in the secured functioning of the insurance market is reflected. The method of sociological survey was used to study the opinions of respondents regarding their relationship to a variety of business processes. On the basis of correlation analysis method estimated of the connection between the productive and factor characteristics from the point of view of the economic interests of insurers and agrarian enterprises. Due matrix analysis carried out the mathematical interpretation of business processes of agrarian insurance market subjects. Findings.The division of 20 investigated business processes into four groups is carried out: organizational; marketing; information and communication and financial and economic, which made it possible to evaluate their priority for the subjects of the insurance market. It was found that for the insurers, the greatest close of direct connection was detected between the insured sum of 1 hectare and the following factors: accumulation of insurance payments and their transformation into reserves of the insurance company (0.8702); development of IT-technologies (0.8434) and ensuring solvency, profitability and the rate of profitability of insurance company (0.8135). For agrarian enterprises, the closest connection was found between the following business processes: the insurer's performance of his obligations to policyholders under insurance contracts (0.9143); increase of professional competence of insurers in providing insurance services (0.8761); formation of an information base for accepting insurance risks (0.7868). Originality. The systematic approach to assessing the priority of business processes for the formation of tactical and strategic objectives of the insurance companies in a competitive environment in the insurance market is proposed, which, unlike the existing approaches, allows identifying common and distinct property interests of the participants in the agrarian insurance market. Practical value. The results of the research on identifying the priority of common and different property interests of agricultural insurance market participants will allow them to formulate and effectively use the concept of collective responsibility for agricultural risks.