СОВЕРШЕНСТВОВАНИЕ ПРАВОВОГО РЕГУЛИРОВАНИЯ ИНСТИТУТА СТРАХОВАНИЯ И ЕГО РОЛЬ В ПОВЫШЕНИИ ЭФФЕКТИВНОСТИ ЭКОНОМИКИ РОССИИ

The article discusses the insurance Institute as a tool of increase of efficiency of the Russian economy. The article points out the advantages of this mechanism and disadvantages of its implementation. The authors turn their attention to the Law "On organization of insurance business in the Russian Federation", proposing legislative amendments to it. Also the authors provide statistics of complaints to the Central Bank of the Russian Federation by type of insurance, which also reflects the imperfection of the implementation of the insurance Institute. In their study, the authors try to find a balance of interests of the state, the insured and the insurer in modern conditions, therefore, make the offers.