| Annotation: | Methods. The results were obtained through the application of a comprehensive set of scientific methods: system-structural and comparative analysis – to substantiate the conceptual foundations of building an adaptive architecture for the financial stability of insurers; abstract-logical and analytical decomposition – when developing mechanisms for integrated liquidity, risk, and preventive financial recovery management. Results. The necessity of transforming traditional financial management systems of insurance companies by transitioning to a flexible adaptive architecture capable of proactively responding to internal and external destabilizing factors is proven. The interdependence between structural liquidity elements, the risk profile, and financial recovery tools is substantiated. Priority scenarios and stages for implementing financial recovery procedures are identified depending on the severity of liquidity deficits and capitalization imbalances. Novelty. The scientific novelty lies in the development of a conceptual model of an adaptive architecture for ensuring the financial stability of an insurance company, which, unlike existing approaches, integrates liquidity management tools, risk stress testing, and preventive financial recovery into a unified self-regulating loop that guarantees business continuity and capital preservation under unstable conditions. Practical value. Ways to enhance the efficiency of an insurer's liquidity and risk management are proposed, serving as a basis for executive decision-making regarding risk mitigation and recovery responses. Practical recommendations can be utilized by insurance companies' top management to strengthen financial and economic stability, as well as by regulatory bodies when establishing market solvency supervision requirements. |
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