Tsyganov, Aleksander Andreevich, and Nadezda Victorovna Kirillova. “Regional Aspect of the Russian Insurance Market”. Economy of Regions 14, no. 4 (December 3, 2018): 1270–1281. Accessed May 15, 2026. https://economyofregions.org/ojs/index.php/er/article/view/1900.