G31G37G36 NFT 2/2000 1. Historical remarks on the formation of insurance in Russia – USSR – Russia G54G68G65G20G68G69G73G74G6FG72G79G20G6FG66G20G20G52G75G73G73G69G61G6EG20G69G6EG73G75G72G61G6EG63G65G20G61G73G20G61G20G70G61G72G74G69G63G75G2D G6CG61G72G20G74G79G70G65G20G6FG66G20G65G63G6FG6EG6FG6DG69G63G20G61G63G74G69G76G69G74G79G20G63G61G6EG20G62G65G20G64G69G76G69G64G65G64 G69G6EG74G6FG20G66G69G76G65G20G73G74G61G67G65G73G3A X-XVII centuries G49G6EG73G75G72G61G6EG63G65G20G69G6EG20G74G68G65G20G74G72G61G64G69G74G69G6FG6EG61G6CG20G73G6FG63G69G65G74G79G20G96G20G69G6EG20G4BG69G65G76 G61G6EG64G20G4DG6FG73G63G6FG77G20G52G6FG6FG73G2CG20G20G74G68G61G74G20G77G61G73G20G72G65G66G6CG65G63G74G65G64G20G69G6EG20G74G68G65 G4CG61G77G73G3AG20 G93G52G75G73G73G69G61G6EG20 G54G72G75G74G68G20 G28G50G72G61G76G64G61G29G94G20 G58G2DG58G49G20 G63G2EG2C G93G53G74G6FG67G6CG61G76G94G20G31G35G35G30G2CG20G93G43G61G74G68G65G64G72G61G6CG20G4CG61G77G20G28G53G6FG62G6FG72G6EG6FG6AG65 G55G6CG6FG64G7AG65G6EG69G6AG65G29G94G20G31G36G34G39G20G61G6EG64G20G77G61G73G20G63G68G61G72G61G63G74G65G72G69G73G65G64G20G62G79 G6FG62G6CG69G67G61G74G6FG72G79G20 G73G74G61G74G65G20 G69G6EG73G75G72G61G6EG63G65G20 G61G6EG64G20 G6DG75G74G75G61G6CG20 G69G6EG73G75G2D G72G61G6EG63G65G20G69G6EG20G74G68G65G20G70G65G61G73G61G6EG74G73G92G20G63G6FG6DG6DG75G6EG65G73G2CG20G6DG65G72G63G68G61G6EG74G73G92 G67G75G69G6CG64G73G2CG20 G6DG61G6EG75G66G61G63G74G75G72G69G6EG67G20 G61G73G73G6FG63G69G61G74G69G6FG6EG73G20 G61G6EG64G20 G63G61G72G2D G74G65G6CG73G2CG20G61G63G63G6FG6DG70G61G6EG69G65G64G20G62G79G20G74G68G65G20G63G6FG6CG6CG65G63G74G69G76G65G20G72G65G73G70G6FG6EG73G69G2D G62G69G6CG69G74G79G20G6FG66G20G74G68G65G20G6DG65G6DG62G65G72G73G2E 1786-1827 G44G65G76G65G6CG6FG70G6DG65G6EG74G20G6FG66G20G6EG61G74G69G6FG6EG61G6CG20G6FG62G6CG69G67G61G74G6FG72G79G20G69G6EG73G75G72G61G6EG63G65 G61G73G20G61G20G73G74G61G74G65G20G6DG6FG6EG6FG70G6FG6CG79G20G77G69G74G68G20G73G74G72G6FG6EG67G20G69G6EG66G6CG75G65G6EG63G65G20G6FG66 G66G6FG72G65G69G67G6EG20 G69G6EG73G75G72G61G6EG63G65G20G73G63G68G65G6DG65G73G2E 1827-1917 G49G6EG20 G70G72G6FG74G6FG2DG69G6EG64G75G73G74G72G69G61G6CG20 G73G6FG63G69G65G74G79G20 G74G68G65G20 G6EG61G74G69G6FG6EG61G6CG20 G69G6EG73G75G2D G72G61G6EG63G65G20G6DG61G72G6BG65G74G20G68G61G64G20G74G68G65G20G66G6FG6CG6CG6FG77G69G6EG67G20G66G65G61G74G75G72G65G73G3A Insurance as an institution of financial and social protection in Russian transitional economy by Professor Natalia Kouznetsova and Professor Galina Tchernova, St.Petersburg State University, Institute of Insurance The market economy in Russia is in the process of formation. Its main features are: 1. The government is unable to act as gua- rantee of financial and social security. This aspect was a characteristic of the centrally- planned model of economic development with its state insurance monopoly; 2. The increase of uncertainty and risk in business and human life due to the transi- tional period of the economy and as well as the globalisation of ecological risks. Consequently it is imperative to create insurance institutions and insurance schemes, as a financial and social protection against risks and uncertainty and hence establish elements of the welfare state in contemporary Russia. 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G68G61G64G20 G69G6EG63G72G65G61G73G65G64G20 G62G79 G61G62G6FG75G74G20G31G2EG35G20G74G69G6DG65G73G2EG20G42G79G20G31G39G39G38G20G69G6EG20G69G74G20G68G61G64G20G69G6EG63G72G65G61G73G65G64 G62G79G20G33G20G74G69G6DG65G73G2EG20G49G74G20G6DG75G73G74G20G62G65G20G6BG65G70G74G20G69G6EG20G6DG69G6EG64G20G74G68G61G74G20G74G68G65 G63G61G70G61G63G69G74G79G20 G6FG66G20 G74G68G65G20 G65G6EG74G69G72G65G20 G53G74G2EG20 G50G65G74G65G72G73G62G75G72G67G20 G69G6EG73G75G2D G72G61G6EG63G65G20G6DG61G72G6BG65G74G20G77G61G73G20G65G73G74G69G6DG61G74G65G64G20G74G6FG20G62G65G20G33G30G20G6DG69G6CG6CG69G6FG6E G64G6FG6CG6CG61G72G73G2E G39 G20 G54G68G69G73G20 G63G61G70G61G63G69G74G79G20 G69G73G20 G69G6EG73G75G66G66G69G63G69G65G6EG74G20 G74G6F G63G6FG76G65G72G20 G72G69G73G6BG73G20 G66G6FG72G20 G6CG61G72G67G65G20 G65G6EG74G65G72G70G72G69G73G65G73G20 G61G6EG64G20 G70G72G6FG2D G6AG65G63G74G73G2EG20G54G68G65G72G65G20G69G73G20G74G68G65G20G6EG65G63G65G73G73G69G74G79G20G69G6EG20G73G69G6DG69G6CG61G72G20G73G69G74G75G2D G61G74G69G6FG6EG73G20 G74G6FG20 G75G73G65G20 G73G70G65G63G69G61G6CG20 G72G65G69G6EG73G75G72G61G6EG63G65G20 G63G6FG6DG70G61G2D G31G38G31 G6EG69G65G73G2CG20 G69G6EG73G75G72G61G6EG63G65G20 G69G6EG74G65G72G6DG65G64G69G61G72G69G65G73G20 G96G20 G62G72G6FG6BG65G72G73G20 G96 G66G6FG72G20G72G65G64G69G73G74G72G69G62G75G74G69G6FG6EG20G28G72G65G61G6CG6CG6FG63G61G74G69G6FG6EG29G20G6FG66G20G72G69G73G6BG73G2E G95 G54G68G65G72G65G20 G69G73G20 G73G74G69G6CG6CG20 G6EG6FG20 G72G65G61G6CG20 G63G6FG6DG70G65G74G69G74G69G6FG6EG20 G62G65G74G77G65G65G6E G74G68G65G20G66G75G6EG63G74G69G6FG6EG69G6EG67G20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G61G6EG69G65G73G2EG20G48G6FG77G2D G65G76G65G72G20G74G68G65G20G63G6FG6DG70G65G74G69G74G69G76G65G20G69G6EG73G75G72G61G6EG63G65G20G6DG61G72G6BG65G74G20G64G65G2D G76G65G6CG6FG70G6DG65G6EG74G20 G69G73G20 G67G6FG69G6EG67G20 G6FG6EG20 G64G75G65G20 G74G6FG20 G74G68G65G20 G66G6FG6CG6CG6FG2D G77G69G6EG67G20 G66G61G63G74G6FG72G73G3A G2D G54G68G65G20 G6EG61G72G72G6FG77G20 G73G70G65G63G74G72G75G6DG20 G6FG66G20 G73G65G72G76G69G63G65G73G20 G70G72G6FG76G69G2D G64G65G64G20G62G79G20G74G68G65G20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G61G6EG69G65G73G20G28G74G68G6FG75G67G68 G74G68G61G74G20G63G6FG75G6CG64G20G62G65G20G65G78G70G6CG61G69G6EG65G64G20G62G79G20G74G68G65G20G6CG65G76G65G6CG20G6FG66G20G74G68G65 G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G65G74G65G6EG63G65G20G61G6EG64G20G69G6DG6DG61G74G75G72G69G74G79G20G6FG66 G74G68G65G20 G6DG61G72G6BG65G74G29G3B G2D G54G68G65G20G61G62G73G65G6EG63G65G20G6FG66G20G65G66G66G65G63G74G69G76G65G20G64G65G6DG61G6EG64G20G66G6FG72G20G69G6EG2D G73G75G72G61G6EG63G65G20 G73G65G72G76G69G63G65G73G20 G61G6EG64G20 G6CG6FG77G20 G6CG65G76G65G6CG20 G6FG66G20 G69G6EG73G75G2D G72G61G6EG63G65G20G65G64G75G63G61G74G69G6FG6EG20G6FG66G20G70G6FG74G65G6EG74G69G61G6CG20G63G6CG69G65G6EG74G73G3B G2D G54G68G65G20G68G65G61G76G79G20G74G61G78G20G62G75G72G64G65G6EG2EG20G41G63G63G6FG72G64G69G6EG67G20G74G6FG20G74G68G65 G4FG72G64G65G72G20G6FG66G20G74G68G65G20G67G6FG76G65G72G6EG6DG65G6EG74G20G20G36G36G31G20G73G69G67G6EG65G64G20G6FG6E G4AG75G6CG79G20 G31G2CG20 G31G39G39G35G2CG20 G69G6EG73G75G72G61G6EG63G65G20 G70G72G65G6DG69G75G6DG73G20 G77G65G72G65 G70G61G69G64G20 G6FG75G74G20 G6FG66G20 G65G6EG74G65G72G70G72G69G73G65G20 G70G72G6FG66G69G74G2EG20 G54G68G69G73G20 G6FG62G76G69G2D G6FG75G73G6CG79G20 G64G6FG65G73G20 G6EG6FG74G20 G73G74G69G6DG75G6CG61G74G65G20 G74G68G65G20 G65G6EG74G65G72G70G72G69G73G65G73 G74G6FG20 G69G6EG73G75G72G65G20 G74G68G65G69G72G20 G72G69G73G6BG73G2EG20G4FG6EG6CG79G20G73G69G6EG63G65G20G4AG61G6EG75G61G72G79 G31G39G39G36G20G63G6FG75G6CG64G20G69G6EG73G75G72G61G6EG63G65G20G70G72G65G6DG69G75G6DG73G20G62G65G20G70G61G69G64 G62G79G20 G65G6EG74G65G72G70G72G69G73G65G73G20 G66G72G6FG6DG20 G63G6FG73G74G73G2EG20 G42G75G74G20 G74G68G65G20 G69G6EG73G75G2D G72G61G6EG63G65G20G62G75G73G69G6EG65G73G73G20G67G72G6FG77G74G68G20G77G61G73G20G6EG6FG74G20G76G65G72G79G20G73G69G67G2D G6EG69G66G69G63G61G6EG74G3B G2D G54G68G65G20G63G68G61G6EG67G65G20G6FG66G20G61G67G67G72G65G73G73G69G76G65G20G64G69G72G65G63G74G20G61G64G76G65G72G74G69G2D G73G69G6EG67G20G66G6FG72G20G69G6EG64G69G72G65G63G74G20G62G61G73G69G63G61G6CG6CG79G20G73G70G72G65G61G64G20G74G68G72G6FG75G67G68 G74G68G65G20 G73G6FG6CG69G64G20 G62G75G73G69G6EG65G73G73G20 G6EG65G77G73G70G61G70G65G72G73G2CG20 G6DG61G67G61G7AG69G2D G6EG65G73G2CG20 G74G68G65G6DG61G74G69G63G20 G62G72G6FG61G64G63G61G73G74G3B G2D G54G68G65G20G6DG61G6AG6FG72G69G74G79G20G6FG66G20G74G68G65G20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G61G6EG69G65G73 G68G61G73G20G72G65G66G75G73G65G64G20G64G69G73G74G72G69G62G75G74G69G6FG6EG20G6FG66G20G74G68G65G20G69G6EG73G75G72G61G6EG63G65 G70G6FG6CG69G63G69G65G73G20G74G68G72G6FG75G67G68G20G74G68G65G20G73G79G73G74G65G6DG20G6FG66G20G69G6EG73G75G72G61G6EG63G65 G61G67G65G6EG74G73G2EG20G54G6FG64G61G79G20G61G62G6FG75G74G20G39G30 G25G20G6FG66G20G74G68G65G20G69G6EG73G75G72G61G6EG2D G63G65G20G63G6FG6DG70G61G6EG69G65G73G20G77G6FG72G6BG20G77G69G74G68G20G74G68G65G20G68G65G6CG70G20G6FG66G20G64G69G72G65G63G74 G75G6EG64G65G72G77G72G69G74G69G6EG67G2E G31G30 2.2. Insurance market and consumer behaviour G41G63G63G6FG72G64G69G6EG67G20 G74G6FG20 G69G6EG74G65G72G6EG61G74G69G6FG6EG61G6CG20 G73G74G61G6EG64G61G72G64G73G20 G74G6FG74G61G6C G61G6DG6FG75G6EG74G20 G6FG66G20 G70G72G65G6DG69G75G6DG73G20 G69G6EG20 G74G68G65G20 G64G65G76G65G6CG6FG70G65G64 G63G6FG75G6EG74G72G69G65G73G20 G61G76G65G72G61G67G65G73G20 G66G72G6FG6DG20 G33G20 G74G6FG20 G31G32 G25G20 G6FG66G20 G74G68G65 G47G44G50G2EG20G42G65G67G69G6EG6EG69G6EG67G20G66G72G6FG6DG20G74G68G65G20G74G72G61G6EG73G69G74G69G6FG6EG61G6CG20G70G65G72G69G6FG64 G52G75G73G73G69G61G20G68G61G73G20G74G68G65G20G66G6FG6CG6CG6FG77G69G6EG67G20G66G69G67G75G72G65G73G20G28G54G61G62G6CG65G20G31G29G3A Table 1. Share of the total amount of premiums in GDP (%) Russia (1992-1999) Year Share of the total amount of premiums in GDP (%) 1992 0,6 1993 0,7 1994 1,2 1995 1,5 1996 1,3 1997 1,4 1998 0,7 1999 1,3 G54G68G65G20G6FG62G6AG65G63G74G69G76G65G20G74G65G6EG64G65G6EG63G79G20G6FG66G20G74G68G65G20G6DG61G72G6BG65G74G20G69G73G20G74G68G65 G63G68G61G6EG67G65G20G6FG66G20G69G6EG73G75G72G61G6EG63G65G20G70G6FG72G74G66G6FG6CG69G6FG20G73G74G72G75G63G74G75G72G65G2EG20G56G6FG6CG2D G75G6EG74G61G72G79G20 G63G6CG61G73G73G65G73G20 G6FG66G20 G69G6EG73G75G72G61G6EG63G65G20 G68G61G76G65G20 G69G6EG63G72G65G61G73G65G64 G74G68G72G6FG75G67G68G20 G31G39G39G32G2DG31G39G39G37G20 G66G72G6FG6DG20 G61G62G6FG75G74G20 G31G38G25G20 G75G70G20 G74G6F G33G36G25G2CG20G66G6FG72G20G6CG69G66G65G20G69G6EG73G75G72G61G6EG63G65G20G96G20G66G72G6FG6DG20G34G33G25G20G75G70G20G74G6FG20G36G34G25G2E G50G72G6FG70G65G72G74G79G20 G69G6EG73G75G72G61G6EG63G65G20 G69G73G20 G73G69G6DG69G6CG61G72G20 G66G72G6FG6DG20 G79G65G61G72G20 G74G6F G79G65G61G72G2EG20G4CG69G61G62G69G6CG69G74G79G20G69G6EG73G75G72G61G6EG63G65G20G64G69G6DG69G6EG69G73G68G65G64G20G66G72G6FG6DG20G31G39G25 G74G6FG20G32G20G25G2EG20G54G68G69G73G20G69G73G20G63G6FG6EG6EG65G63G74G65G64G20G77G69G74G68G20G61G20G72G65G6AG65G63G74G69G6FG6EG20G6FG66 G63G72G65G64G69G74G20G61G6EG64G20G73G75G72G65G74G79G73G68G69G70G20G69G6EG73G75G72G61G6EG63G65G20G28G53G65G65G20G44G69G61G67G72G61G6D G31G2CG20G6EG65G78G74G20G70G61G67G65G29G2E G54G68G65G20G62G61G73G69G73G20G6FG66G20G69G6EG73G75G72G61G6EG63G65G20G62G75G73G69G6EG65G73G73G20G70G72G6FG66G69G74G61G62G69G6CG2D G69G74G79G20G74G6FG64G61G79G20G69G73G20G69G6EG64G75G73G74G72G69G61G6CG20G67G72G6FG75G70G20G6CG69G66G65G20G69G6EG73G75G72G61G6EG63G65G20G6FG66 G74G68G65G20G65G6DG70G6CG6FG79G65G65G73G2EG20G52G75G73G73G69G61G6EG20G69G6EG73G75G72G61G6EG63G65G20G61G73G20G73G75G63G68G20 G69G73 G6EG6FG74G20G62G61G73G65G64G20G6FG6EG20G74G68G65G20G70G72G69G6EG63G69G70G6CG65G73G20G6FG66G20G63G6CG61G73G73G69G63G61G6CG20G57G65G73G74G2D G65G72G6EG20G63G6FG6DG6DG65G72G63G69G61G6CG20G69G6EG73G75G72G61G6EG63G65G2EG20G49G74G20G69G73G20G6FG72G69G65G6EG74G65G64G20G74G6FG20G74G68G65 G72G65G64G75G63G74G69G6FG6EG20G28G73G6FG6DG65G74G69G6DG65G73G20G65G6CG69G6DG69G6EG61G74G69G6FG6EG29G20G6FG66G20G74G68G65G20G74G61G78 G62G75G72G64G65G6EG20G61G6EG64G20G72G65G63G65G69G70G74G20G6FG66G20G63G61G73G68G20G62G61G73G65G64G20G6FG6EG20G70G65G72G73G6FG6EG61G6C G6EG65G74G77G6FG72G6BG2EG20G45G6EG74G65G72G70G72G69G73G65G73G2CG20G77G68G69G63G68G20G61G72G65G20G66G61G76G6FG75G72G61G62G6CG65G20G74G6F G74G68G65G20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G61G6EG79G20G28G71G75G61G6EG74G69G74G79G20G61G6EG64G20G71G75G61G6CG69G74G79 G6FG66G20G69G6EG73G75G72G61G6EG63G65G20G62G61G73G65G64G20G6FG6EG20G76G6FG6CG75G6DG65G20G6FG66G20G6FG70G65G72G61G74G69G6FG6EG73G2C G65G74G63G2EG29G20G61G72G65G20G61G6CG72G65G61G64G79G20G69G6EG73G75G72G65G64G2EG20G49G74G20G69G73G20G76G65G72G79G20G64G69G66G66G69G63G75G6CG74G20G74G6F G70G65G6EG65G74G72G61G74G65G20G69G6EG74G6FG20G74G68G69G73G20G6DG61G72G6BG65G74G20G77G69G74G68G20G74G68G65G20G68G65G6CG70G20G6FG66G20G6FG6CG64 G6DG65G74G68G6FG64G73G2E G54G68G65G20 G73G69G74G75G61G74G69G6FG6EG20 G69G6EG20 G74G68G65G20 G69G6EG73G75G72G61G6EG63G65G20 G6DG61G72G6BG65G74G20 G69G73 G63G6FG6DG70G6CG69G63G61G74G65G64G20 G62G79G20 G74G68G65G20 G66G61G6CG6CG20 G6FG66G20 G69G6EG74G65G72G65G73G74G20 G74G6FG20 G74G68G65 G69G6EG73G75G72G61G6EG63G65G20 G66G72G6FG6DG20 G74G68G65G20 G6EG61G74G75G72G61G6CG20 G70G65G72G73G6FG6EG73G2CG20 G74G68G61G74G20 G69G73 G6FG62G73G65G72G76G65G64G20G77G69G74G68G20G74G68G65G20G68G65G6CG70G20G6FG66G20G70G73G79G63G68G6FG6CG6FG67G69G63G61G6CG20G69G6EG74G65G72G2D G72G6FG67G61G74G69G6FG6EG73G2E G31G31 G20 G54G68G72G6FG75G67G68G20 G31G39G39G36G20 G74G68G65G20 G70G72G65G6DG69G75G6DG20 G70G65G72 G63G61G70G69G74G61G20G69G73G20G38G39G20G30G30G30G20G52G6FG75G62G6CG65G73G20G28G31G38G20G55G53G20G24G29G2CG20G63G6FG6DG70G61G72G65G64 G74G6FG20G31G32G30G30G20G55G53G20G24G20G69G6EG20G74G68G65G20G55G53G41G2EG20G43G6FG6EG73G75G6DG65G72G20G64G65G6DG61G6EG64 G69G73G20G63G68G61G72G61G63G74G65G72G69G73G65G64G20G62G79G20G74G68G65G20G66G6FG6CG6CG6FG77G69G6EG67G20G66G65G61G74G75G72G65G73G3A G31G38G32 G95 G41G20G6CG61G72G67G65G20G70G72G6FG70G6FG72G74G69G6FG6EG20G6FG66G20G6FG62G6CG69G67G61G74G6FG72G79G20G69G6EG73G75G72G61G6EG63G65G3B G95 G56G6FG6CG75G6EG74G61G72G79G20G69G6EG73G75G72G61G6EG63G65G20G69G73G20G63G6FG6EG63G65G6EG74G72G61G74G65G64G20G69G6EG20G74G68G65 G6DG6FG73G74G20G77G65G61G6CG74G68G79G20G67G72G6FG75G70G20G6FG66G20G74G68G65G20G70G6FG70G75G6CG61G74G69G6FG6EG20G28G34G2EG34G25G29 G64G75G65G20G74G6FG20G69G6EG63G6FG6DG65G20G70G6FG6CG61G72G69G73G61G74G69G6FG6EG3B G95 G56G6FG6CG75G6EG74G61G72G79G20G70G72G6FG70G65G72G74G79G20G61G6EG64G20G6CG69G61G62G69G6CG69G74G79G20G69G6EG73G75G72G61G6EG63G65 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Infrastructure of the insurance market G54G68G65G20 G74G72G61G6EG73G69G74G69G6FG6EG61G6CG20 G70G65G72G69G6FG64G20 G72G65G73G75G6CG74G65G64G20 G69G6EG20 G63G72G75G63G69G61G6C G63G68G61G6EG67G65G73G20 G69G6EG20 G69G6EG73G75G72G61G6EG63G65G20 G6CG65G67G69G73G6CG61G74G69G6FG6EG2EG20 G54G68G65G20 G50G72G65G73G69G2D G64G65G6EG74G20 G61G6EG64G20 G74G68G65G20 G47G6FG76G65G72G6EG6DG65G6EG74G20 G69G73G73G75G65G64G20 G6DG6FG72G65G20 G74G68G61G6E G33G30G30G20 G41G63G74G73G2CG20 G4FG72G64G65G72G73G2CG20 G49G6EG73G74G72G75G63G74G69G6FG6EG73G20 G64G65G64G69G63G61G74G65G64G20 G74G6F G61G75G74G68G6FG72G69G73G61G74G69G6FG6EG2CG20 G73G75G70G65G72G76G69G73G69G6FG6EG2CG20 G66G69G6EG61G6EG63G69G61G6CG20 G61G6EG64G20 G69G6EG2D G76G65G73G74G6DG65G6EG74G20G61G63G74G69G76G69G74G69G65G73G2CG20G74G61G78G61G74G69G6FG6EG20G61G6EG64G20G73G6FG20G6FG6EG20G69G6EG20G74G68G65 G69G6EG73G75G72G61G6EG63G65G20G66G69G65G6CG64G2EG20G54G68G65G20G6DG61G69G6EG20G61G63G74G73G20G61G72G65G3AG20G49G6EG73G75G72G61G6EG63G65 G41G63G74G20 G28G31G39G39G33G29G2CG20 G4FG62G6CG69G67G61G74G6FG72G79G20 G4DG65G64G69G63G61G6CG20 G49G6EG73G75G72G61G6EG63G65 G41G63G74G20 G28G31G39G39G32G29G2CG20 G52G75G6CG65G73G20 G6FG66G20 G4CG69G63G65G6EG73G69G6EG67G20 G28G31G39G39G34G29G2CG20 G54G61G78 G41G63G74G20 G28G31G39G39G34G29G2CG20 G52G75G6CG65G73G20 G6FG66G20 G49G6EG76G65G73G74G6DG65G6EG74G73G20 G28G31G39G39G35G29G2C G53G75G70G65G72G76G69G73G6FG72G79G20 G61G6EG64G20 G54G61G78G20 G41G75G74G68G6FG72G69G74G69G65G73G20 G4FG72G64G65G72G73 G28G31G39G39G33G2DG31G39G39G38G29G2E G48G6FG77G65G76G65G72G2CG20 G69G6EG73G75G72G61G6EG63G65G20 G6CG65G67G69G73G6CG61G74G69G6FG6EG20 G69G73G20 G73G74G69G6CG6CG20 G6EG6FG74 G76G65G72G79G20G61G70G70G6CG69G63G61G62G6CG65G2CG20G70G61G72G74G69G63G75G6CG61G72G6CG79G20G69G6EG20G6CG69G63G65G6EG73G69G6EG67G20G61G6EG64 G74G61G78G61G74G69G6FG6EG2E G4CG69G61G62G69G6C G69 G74G79 G33G25 G50G72G6FG70G65G72G74 G79 G33G34G25 G4CG69G66G65 G36G33G25 G4CG69G61G62G69G6C G69 G74 G79 G31G39G25 G50G72G6FG70G65G72G74 G79 G33G38G25 G4CG69G66G65 G34G33G25 Diagram 1. Parity of total payments on volontary classes of insurance 1 quarter 1994 1 quarter 1999 G31G38G33 G54G68G65G20G69G6EG74G65G72G6DG65G64G69G61G72G79G20G63G6FG6DG70G6FG6EG65G6EG74G20G6FG66G20G74G68G65G20G69G6EG73G75G72G2D G61G6EG63G65G20G6DG61G72G6BG65G74G20G69G73G20G70G6FG6FG72G6CG79G20G72G65G67G75G6CG61G74G65G64G2EG20G46G6FG72G20G65G78G61G6DG70G6CG65 G69G6EG20 G53G74G2EG20 G50G65G74G65G72G73G62G75G72G67G20 G74G68G65G72G65G20 G77G65G72G65G20 G61G70G70G72G6FG78G69G6DG61G74G65G6CG79 G6FG6EG65G20G64G6FG7AG65G6EG20G72G65G67G69G73G74G65G72G65G64G20G69G6EG73G75G72G61G6EG63G65G20G62G72G6FG6BG65G72G73G2EG20G46G6FG72G2D G65G69G67G6EG20G69G6EG73G75G72G61G6EG63G65G20G62G72G6FG6BG65G72G20G61G63G74G69G76G69G74G79G20G69G73G20G66G6FG72G62G69G64G64G65G6EG20G62G79 G6CG61G77G2EG20 G48G6FG77G65G76G65G72G20 G74G68G65G79G20 G75G73G75G61G6CG6CG79G20 G77G6FG72G6BG20 G74G68G72G6FG75G67G68G20 G61 G6CG6FG63G61G6CG20 G28G70G6FG63G6BG65G74G29G20 G69G6EG73G75G72G61G6EG63G65G20 G63G6FG6DG70G61G6EG79G2CG20 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Edition:
2, 2000
Language: International
Category:
Articles before 2014
Bilaga