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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="en"><front><journal-meta><journal-id journal-id-type="publisher-id">donstu</journal-id><journal-title-group><journal-title xml:lang="en">Advanced Engineering Research (Rostov-on-Don)</journal-title><trans-title-group xml:lang="ru"><trans-title>Advanced Engineering Research (Rostov-on-Don)</trans-title></trans-title-group></journal-title-group><issn pub-type="epub">2687-1653</issn><publisher><publisher-name>Don State Technical University</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">donstu-810</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>SOCIAL SCINCES</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>СОЦИАЛЬНО-ЭКОНОМИЧЕСКИЕ И ОБЩЕСТВЕННЫЕ НАУКИ</subject></subj-group></article-categories><title-group><article-title>MODERNIZATION PROCESSES OF BUSINESS INSURANCE IN REGION FISCAL SYSTEM</article-title><trans-title-group xml:lang="ru"><trans-title>Модернизационные процессы страхования бизнеса в системе финансов региона</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Ованесян</surname><given-names>Наталья Матвеевна</given-names></name><name name-style="western" xml:lang="en"><surname>Ovanesyan</surname><given-names>Natalia M.</given-names></name></name-alternatives><email xlink:type="simple">nat.ovanesyan@yandex.ru</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Белоусов</surname><given-names>Виталий Михайлович</given-names></name><name name-style="western" xml:lang="en"><surname>Belousov</surname><given-names>Vitaly M.</given-names></name></name-alternatives><email xlink:type="simple">ippk_economy@mail.ru</email><xref ref-type="aff" rid="aff-2"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru"><institution>Донской государственный технический университет</institution><country>Россия</country></aff><aff xml:lang="en"><institution>Don State Technical University</institution><country>Russian Federation</country></aff></aff-alternatives><aff-alternatives id="aff-2"><aff xml:lang="ru"><institution>Южный федеральный университет</institution><country>Россия</country></aff><aff xml:lang="en"><institution>Southern Federal University</institution><country>Russian Federation</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2011</year></pub-date><pub-date pub-type="epub"><day>30</day><month>12</month><year>2011</year></pub-date><volume>11</volume><issue>6</issue><fpage>940</fpage><lpage>947</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Ovanesyan N.M., Belousov V.M., 2011</copyright-statement><copyright-year>2011</copyright-year><copyright-holder xml:lang="ru">Ованесян Н.М., Белоусов В.М.</copyright-holder><copyright-holder xml:lang="en">Ovanesyan N.M., Belousov V.M.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.vestnik-donstu.ru/jour/article/view/810">https://www.vestnik-donstu.ru/jour/article/view/810</self-uri><abstract><p>Necessity of the institutional structure optimization of the regional markets under the principle of the absolute domination of the uniform customs and development norms of the national insurance system is determined by the tendency of home insurers specialty and shift in enterprise proportions of the insurance business.</p></abstract><trans-abstract xml:lang="ru"><p>Показано, что необходимость оптимизации институциональной структуры региональных рынков при соблюдении принципа абсолютного доминирования унифицированных правил и норм развития национальной страховой системы обуславливается тенденцией специализации отечественных страховщиков и изменением отраслевых пропорций страхового бизнеса.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>маркетинг региона</kwd><kwd>модернизация</kwd><kwd>региональный страховой рынок</kwd><kwd>риски</kwd><kwd>финансовый кризис</kwd><kwd>экономика региона.</kwd></kwd-group><kwd-group xml:lang="en"><kwd>egion marketing</kwd><kwd>modernization</kwd><kwd>regional insurance market</kwd><kwd>risks</kwd><kwd>financial crisis</kwd><kwd>region economy.</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Радаев В. 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