Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Scientific Information Database (SID) - Trusted Source for Research and Academic Resources
Issue Info: 
  • Year: 

    2018
  • Volume: 

    33
  • Issue: 

    3 (131)
  • Pages: 

    1-22
Measures: 
  • Citations: 

    0
  • Views: 

    559
  • Downloads: 

    0
Abstract: 

Life insurance in the current world is one of the important tools of the economy and performs various functions. In addition, it plays a central role in protecting family’ s future. The objective of the current study is to examine the threshold effect of real GDP on the Iranian life insurance development over the years 1981– 2015. We use nonlinear approach of smooth transition regression. The results of this study indicate that the third lag of real GDP has affected insurance densityin a three-regime structure. Real GDP also has a negative impact on side regimes and had a positive impact on insurance density in the intermediate regime. In addition, results show that savings rate and financial development index variables in lateral and middle-income regimes have improved insurance density

Yearly Impact: مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic Resources

View 559

مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesDownload 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesCitation 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesRefrence 0
Issue Info: 
  • Year: 

    2018
  • Volume: 

    33
  • Issue: 

    3 (131)
  • Pages: 

    41-58
Measures: 
  • Citations: 

    0
  • Views: 

    498
  • Downloads: 

    0
Abstract: 

These days, cheating is one of the most important threats faced by insurance companies. In this study, we investigate the effect of customer dissatisfaction on customer cheating with moderating role of Machiavellianism. Statistical population of this research consist of all customers (between 40 to 50 thousand customers) of Parsian Insurance Company in Guilan Province. Our sample size is 400 customers according to Cochran’ s formula. We have distributed questionnaires in a convenient sampling. This research is practical in terms of research orientations, descriptive study in terms of objectives, survey in terms of research strategies and questionnaire based in terms of data collection. We use SPSS and Smart PLS softwares. Results indicate customer dissatisfaction increases customer cheating. In addition, Machiavellianism moderates the relationship between customer dissatisfaction and cheating of insurance customers.

Yearly Impact: مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic Resources

View 498

مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesDownload 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesCitation 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesRefrence 0
Issue Info: 
  • Year: 

    2018
  • Volume: 

    33
  • Issue: 

    3 (131)
  • Pages: 

    59-80
Measures: 
  • Citations: 

    0
  • Views: 

    496
  • Downloads: 

    0
Abstract: 

Solvency, is one of the most important issues in the financial institutions risk management, particularly insurance companies. In order to investigate solvency, technical reserves is one of the most important elements and emphasis has been placed on this issue by rules and regulations. The purpose of this study is to model non-life insurance risk. There are different approaches in investigating non-life insurance risks. Traditional approach just considers the risk between inception and termination time. However, modern approaches identify and assess the risk on annual basis. Insurance companies need to consider coming years risks in order to manage them especially in economic decision making areas. To model the risk, we use stochastic additive loss reserving method. Total non-life insurance risk consists of risk reserve (deferred settlement of claims) and insurance premiums (future claims). Using a numerical example of a third-party reinsurance, we estimate the non-life insurance risks in one-year time horizon, multi-year time horizon and final few years.

Yearly Impact: مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic Resources

View 496

مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesDownload 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesCitation 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesRefrence 0
Author(s): 

SAFARI MOHAMMAD

Issue Info: 
  • Year: 

    2018
  • Volume: 

    33
  • Issue: 

    3 (131)
  • Pages: 

    81-104
Measures: 
  • Citations: 

    0
  • Views: 

    781
  • Downloads: 

    0
Abstract: 

Pension schemes are one of the most important and essential tools for ensuring and securing a minimum for old age people’ s standard of living. Hence, governments design and provide pension schemes. However, many challenges are faced by pension funds around the world. The most common type of pension schemes are Defined Benefit (DB). These type of pension schemes are running a significant deficit. Hence, experts attempt to reform the pension systems. Hybrid private pension plans are one of the most appropriate alternatives. Because of their unique characteristics, such as good governance, competitiveness and risk-based supervision, these types of plans are more efficient. Consequently, in this research we study the financial feasibility on the implementation of these plans. We investigate the financial feasibility using Fuzzy Cognitive Mapping (FCM) in order to identify factors affecting the sustainability of pension schemes. Then, We determine the effect of each factor on financial sustainability. Finally, using the methodology of system dynamics (SD), the model is simulated and tested. While twenty-year simulation results indicate unsustainability of DB plans, hybrid pension plan’ s cash flow shows an incremental trend.

Yearly Impact: مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic Resources

View 781

مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesDownload 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesCitation 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesRefrence 0
Issue Info: 
  • Year: 

    1397
  • Volume: 

    33
  • Issue: 

    3 (مسلسل 131)
  • Pages: 

    105-125
Measures: 
  • Citations: 

    0
  • Views: 

    361
  • Downloads: 

    0
Abstract: 

هدف از این مطالعه بررسی عوامل مؤثر، تعیین جهت آنها و نحوه ی تأثیر هر عامل بر احتمال قرارگرفتن فرد در سطوح متفاوت تقاضای بیمه ی درمان است، در این راستا از مدل لوجیت تجمعی تعمیم یافته، اطلاعات 289 خانوار، پرسشنامه ی سلامت عمومی، پرسشنامه ی ریسک-مادسیج، پرسشنامه ی ریسک پذیری مالی، پرسشنامه ی استاندارد ابعاد پنج گانه کیفیت خدمات درمانی و پرسشنامه ی محقق ساخته، استفاده شده است. نتایج آزمونهای اعتبار مدل شامل، نیکویی برازش، رگرسیونهای موازی و روش ماکسیمم درستنمایی-الگوریتم نیوتن-رافسون، حاکی از اعتبار مدل تا 84 درصد اطمینان است، طبق نتایج افرادی که هنگام تولد سالم تر بوده اند، بیمه برایشان مطلوبیت کمتری دارد و بنابراین احتمال واقع شدن آنها در سطوح پایین تر تقاضای بیمه ی درمانی بیشتر می شود. با افزایش سن، احتمال ابتلا به بیماری و احتمال افزایش تقاضای بیمه ی درمانی افزایش می یابد. با افزایش مخارج درمان، مطلوبیت بیمه بیشتر خواهد شد. افرادی که به سلامت خود بیشتر توجه می کنند، تقاضای بیشتری برای بیمه ی درمانی دارند. با افزایش سطح سواد، فهم و درک فرد از ارزش سلامتی ارتقا یافته و باعث مطلوبیت بیشتر بیمه ی درمان خواهد شد. افزایش سطح آگاهی فرد از پیامدهای منفی بیماری (مثبت سلامت) باعث افزایش مطلوبیت نهایی سلامت و درنتیجه تقاضای بیمه می شود. افزایش ریسک مالی بیماری، پوشش افقی و عمودی بیمه، رضایت مندی از بیمه را افزایش می دهد. طبق نتایج مدل شبکه ی عصبی، متغیرهای ریسک مالی، حق بیمه و مخارج درمانی، بیشترین و اعتقادات و ذخیره ی سلامت، کمترین تأثیر را بر تقاضای بیمه ی درمانی دارند. به این معنا که ریسک مالی، حق بیمه و مخارج درمانی در تصمیم گیری مردم برای خرید بیمه بسیار مؤثرند.

Yearly Impact: مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic Resources

View 361

مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesDownload 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesCitation 0 مرکز اطلاعات علمی Scientific Information Database (SID) - Trusted Source for Research and Academic ResourcesRefrence 0
telegram sharing button
whatsapp sharing button
linkedin sharing button
twitter sharing button
email sharing button
email sharing button
email sharing button
sharethis sharing button