ARCHITECTURE-BASED MODELING OF ORGANIZATIONAL AND ECONOMIC SUPPORT FOR INSURANCE COMPANIES’ FINANCIAL STABILITY UNDER CRISIS CONDITIONS

Abstract

The article is devoted to developing an integrated architectural model for organizational and economic support of the financial stability of insurance companies under crisis conditions, based on the enterprise architecture framework. The relevance of the research is determined by the fragmentation of traditional approaches to crisis management in insurance companies, where risks, finance, underwriting, claims settlement, reinsurance, and investments are managed by different management logics without systemic integration, leading to loss of controllability at critical points. The methodological basis of the research is a systems approach using the ArchiMate architectural modeling language to integrate motivational, strategic, and business levels of stability management. Clear meta-rules for interpreting ArchiMate elements in the context of insurer financial stability have been established. As a result of the research, a comprehensive architectural model has been developed, the core of which is the Crisis Resilience Control Tower (CRCT) integration capability. The concept of crisis scenario passports has been proposed as a standardized tool for describing crisis situations, including shock parameters, triggers, and links to action programs. Four basic passports have been identified. A three-stage mechanism for translating risk appetite into operational constraints has been formalized: from strategic appetite through policies and quantitative limits to process rules. This mechanism serves as a methodological bridge between strategic declarations and actual system behavior. A library of resilience patterns has been developed as a transferable engineering artifact. Each pattern is anchored in specific model elements. The scientific novelty lies in introducing a cybernetic stability management loop through CRCT, which ensures the transition from a list of anti-crisis measures to a reproducible decision and execution system with closed feedback. The practical significance of the results is determined by the possibility of using the model as a conceptual framework for substantiating a scientific approach, a helpful template for configuring insurance companies' management loops, and a basis for designing a resilience improvement roadmap with measurable results and clear accountability.