بررسي آثار آزادسازي بر اشتغال زايي صنعت بيمه ايران

Study of Liberalization on Employment Creation in Iranian Insurance Industry

For achieving Economic development, it is necessary to have order and rule and a particular balance on all sectors of economy: agriculture, industry, and commerce. Then economy goes toward an efficient workability, favorite output, social security and welfare, and employment, and move in to increase of the absorption, competition, on utility of the natural resources on the best manner. In recent years, privatization and liberalization have become very important in the world. According to the economists and researchers, privatization and liberalization provide the best solution for the problems of Public organizations. Insurance industry, in this respect, is no exception. This paper is about liberalization and pay special attention to job opportunities in the industry and relation between insurance and above mentioned items. It also studies the works which have been done inside and outside the country, and finally describes the testing and analyzing methods. This paper has been done by causality-test and stationary-test, and time series between (1343/1381) in Iranian insurance companies. The results are as follows: 1- Liberalization has a positive impact on job opportunities in insurance industry. 2- Per capita insurance premium has a negative impact on the employment of the industry. 3- Surplus value insurance and receipts insurance premium has an increasing impact on the employment of the industry. At the end, some proposals have beep offered for improvement og the insurance industry in Iran.