Opportunities of small business in decision of such problem as development of economy of Russia are analyzed. As arguments of a weak position of private businessmen the facts of their mass bankruptcies, and also data about kinds of their activity which testify to oversaturation of segments of the market in which small enterprises work are mentioned. The fact of impossibility of their transition in other niches on manufacture of the hi-tech goods and services which belong to big business, owing to absence of resources and technologies is underlined. The conclusion that small business is completely dependent from big business because receives from it orders and serves its employees is formulated. It predetermines necessity of development of big business for a possibility of existence of small business, that is the important state problem.

Keywords: small business, organization, goods, service, income, bankruptcy, work, knowledge, competition, management.

Merits and demerits of insurance in view of probability of approach of an insurance case are considered. Alternatively prevention of losses from high-risk events such tool as accommodation of deposits within the limits of insured sum in highly reliable banks is offered.

Keywords: diversification of risks, deposit, insurance, insurance case, damage.