The article analyses reasons for state regulation, and deals with present regulatory projects aimed at ensuring increased stability of financial, or more precisely, insurance markets, especially with respect to securing an adequate level of consumer protection and lowering information asymmetry....

This article is dealed about the requirements on new architecture of financial markets, namely for banking and insurance market. The principles of Basel II and Solvency II are discussed. The second part of article concerned with quality changes in comercial insurable risk and financial decesion...