جستجوی مقالات مرتبط با کلیدواژه « حق بیمه » در نشریات گروه « اقتصاد »

Upstream and downstream activities of the oil industry have to deal with mitigating risks of material and human loss associated with the use of industry assets, including through insurance cover. One of the important issues in insuring oil assets, is determination the value at risk of the asset in question. The main purpose of the present study is to fill the gap in terms of a scientific methodology for estimating the monetary value at risk (MVR) of a petroleum property and thus help in setting the correct insurance premium for any given oil asset. We use our method to calculate the optimal value at risk of an oil asset insured by Iranian insurance companies. Our estimated result is close to the actual premium charged. It thus offers us a scientific method, with high accuracy, which can be used to calculate risk-based valuation of oil assests and the associated insurance premium estimate.

Life insurance is one of the most important economic instruments. Considering the important role of life insurance, this study investigates the life insurance capability in Iran. For this purpose, the Panel ARDL model has been used. Then, for the period 1990-2016, suitable models for the first group (Iran with the leading countries in the industry), the second group (Iran with the countries that were close to Iran in premiums) and the group Third (countries in two groups) were estimated. Based on models, the fitted value of life insurance premiums per capita in Iran is analyzed and compared as the potential or optimal level in each groups. The results showed that in each group, the actual life insurance premiums per capita in Iran are significantly lower than the optimal level. The capacity level of life insurance in Iran compared with first group is 46%, and compared with second group is about 42% and compared with third group is about 44%. The results indicate that Life insurance in our country has a high potential, and a large part of the insurance capacity in our country has not yet been fully acquired.

The purpose of this study is to examine the impact of macroeconomic variables on individual’s request of insurance in Iran. In this research the overall performance of Iran’s insurance industry has been investigated in 1360.—1390 therefore the sampling technique has not been used. This research has been done using EVIEWS and applying econometric techniques. In this study the effect of macroeconomic variables on individuals¡ request of insurance based on definitions have been investigated. The structure of this insurance policy study records and the important role of individuals insurance especially life insurance like other insurance s tends to money in peoples hand and their talk in productive investment which in this way causes improving of economic indexes as gross domestic production (GDP) national income (GNI) and finally community economic development¡ and its role is also more effective compared to other fields of insurance. Findings of this study suggest that request of individuals¡ insurance is directly related to per capital income¡ unemployment rate and insurers compensation paid per capital and inversely related to consumer price.
Methodology
This study is estimated the impact of macroeconomic variables on individuals request of insurance in Iran and in this research the overall performance of Iran’s insurance industry has been investigated in 1360-1390 and this research has been done using EVIEWS and Appling econometric techniques.
Results and iscussion: Based on results It is difficult to generation on how life insurance products and widen in scopes a life insurance market matures there are an interplay of economic political and cultural and commercial factors at work which vary from country to country . There are two aspects of product development that has been evident in many countries. First one is that life insurance products tend to move from having a primary emphasis on insurance protection towards a greater saving role. Especially saving for retirement purposes second. There a move away from simple products sold .either on an individual and group basis to more compels products sold mainly on an individual basis.
Conclusion and Suggestions: Life insurance has historically been an important method through which individuals with relatively low incomes have been able to save tis and invest effectively for the longer term .this contractual nature of the premium payment system in life insurance has been reinforced by insurance companies developing good marketing strategies in order to encourage individuals to save. Life insurance has historically been an important method which individuals with relatively low incomes have been able to save and invest effectively for the longer term .By designing relatively simple life insurance and savings contracts. Which can be purchased in small amounts on a regular basis. However the relationship between the level of saving generated through life insurance and private pension contracts and the development of a domestic capital market is a two way process .

Life insurance as an investment and assurance tool provides a great source of investment financing in different economies. Despite life insurance development in advanced countries and in many developing economies, it could not get its appropriate share in Iranian family’s basket. This paper investigates factors that affect life insurance demand in Iran. So, random sampling used to get required information in three provinces of Iran (Tehran, East Azerbayjan and Mazandaran). Factors are divided into two main groups: Socioeconomics and psychological. Required data were gathered using questionnaire. Results show that life insurance demand has negative relationship with individual expected health condition, premium, expected inflation, degree of risk aversion and income. Bequest, economic optimism, age, employment of partner and reading has positive relation with life insurance demand. Based on the sample, result show that life insurance demand is not affected by advertisements but is affected by others recommendations.

insurance institutions, including financial institutions that are providing security near the economic capital in creating the financial resources at time intervals to receive insurance premium and pay damages, especially in long-term insurance can lead to mobility and dynamicaly and development financial markets and with accumulation of capital necessary can provide fields of economic growth. In this study with using a CROOSS – COUNTRY PANEL DATA technique to examine the relationship between insurance sector expantion and economic growth in Iran and the selection countries at during the period 1186-2991. The results were considered significant and positive relationship between study variables and economic growth and with increasing 1 percent in the insurance penetration coefficient (the ratio of premium to GDP), the economic growth will increase 90993 percent, then insurance is one of the factors affecting the country's economic growth during the period of review and, the Schumpeter’s opinion (1111) and supply leading theories will be approved.

The development dynamics between various sectors of an economy exerts an effective force towards sustainable development. The potential role of service sector in this regard is outstanding since it constitutes a larger share in GNP. In this context, insurance industry, a key segment of service sector, play a cushioning role for other sectors as it provides financial and psychological support to the entire economy. Insurance activities in Iran, despite its century long existence and experience, have not exploited its potential role in business environment and have not fulfilled its expected role in the economy of Iran. This paper has aimed to estimate the demand function for commercial insurance across the country (province-wise demand function). Attempts have been made to measure statistically the effect of variable such as Income Per capita, premium, inflation, literacy rate and compensation paid, on the demand for commercial insurance in Iran. The author has applied Eviews software and Panel Data techniques to estimate the parameters. The time span covered it this study starts from March 20, 2110to March 21, 2113. The findings of this research indicate that there is a positive and significant relationship between Income Per capita and the demand for commercial insurance in Iranian provinces. An increase of 01in Income Per capita brings about 11031increase in demand for insurance. Moreover, there is a positive and significant relationship between compensation paid and demand for commercial insurances in the provinces. The demand for insurance services would increase by 1171in response to 01increasein compensation paid. The relationship between premium paid and the demand for commercial insurances in the provinces, is found to be negative and statistically meaningful. In other words, one per cent increase in premium per insurance issued would contract demand for insurance by 11..per cent.