00655naa#a2200181#i#450# EN\\bibl\90367 20250515173455.4 2500-3372 20250328b2025####ek#y0engy0150####ca RU Availability Assessment of Insurance Services on the Russian Financial Market Journal article Kemerovo Kemerovo State University 2025 10 с. Journal article local Экономика. Народное хозяйство. Экономические науки. 33 Kalacheva Elena Alekseevna Gavrilenko Irina Vladimirovna vestnik-hss.kemsu.ru