−
efficiency of investing resources, the evidence of which is the size and
diversification of the investment portfolio, the profitability and reliability of
investments;
−
management, which involves the quality and efficiency of managerial work
and decision making, optimization of administrative costs;
−
efficiency of marketing activity, profitability of sales, differentiation of
channels of realization, development of a branch network, use of innovative-
informative technologies, come forward as parameters of that;
−
competitiveness of insurance services, which depends on tariff policy,
quality and assortment, innovation and individualization;
−
reputation of the insurer, which is formed by long-term stable work in the
insurance market, open access to information for potential and existing clients, the
image and competence of the manager and team of employees, responsiveness in
insurance cases, high level of insurance payments, the convenience of cooperation with
client groups, application reinsurance operations.
The assessment of the level of competitiveness is a very complex and
multifactorial process, as not all factors of forming of competitive edges are subject to
the quantitative estimation. Thus, in the course of qualitative assessment of certain
factors, a problem may arise of their mathematical formalization. While other factors
that stipulate forming of competitive edges of insurance company are subject to the
quantitative estimation and are basis of realization of estimation of level of
competitiveness of insurance company.
Farther will consider the methods of estimation of competitiveness of products
and enterprise from the point of view of possibility of their application insure at the
estimation of insurance product and insurer (table 1):
−
method based on the theory of multipliers - competitiveness is determined
by the amount of investments that bring consumer satisfaction and increase profits.
There is direct connection between investments, quality of satisfaction of consumers
and competitiveness. The competitiveness of enterprise is estimated;
−
method of integral index - satisfaction of consumers is measured on the
indexes of different importance and it is determined them the generalized estimation.
The competitiveness of commodity is estimated;
−
matrix method (BCG) - a matrix is built on two key indexes after the
provision of every enterprise (to the commodity) is determined on her. Every quadrant
of matrix has a different competitiveness;
−
estimation of productive potential - competitive is an enterprise that
produces products at the level of the world best standards, has subzero charges, flexible
production;
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