بررسي تاثير متغيرهاي كلان اقتصادي بر تقاضاي بيمه هاي اشخاص

Investigate the effect of macroeconomic variables on individuals, request of insurance

هدف اين مقاله، بررسي تاثير متغيرهاي كلان اقتصادي بر تقاضاي بيمه هاي اشخاص در ايران است. در اين تحقيق، با استفاده از تكنيك و شيوه نمونه گيري، كل عملكرد صنعت بيمه ايران در رشته بيمه هاي اشخاص در بين سال هاي 1360-1391 بررسي شده است. تحقيق حاضر با استفاده از EVIEWS و اعمال تكنيك هاي اقتصادسنجي صورت پذيرفته است. در اينجا تاثير متغيرهاي كلان اقتصادي بر تقاضاي بيمه هاي اشخاص و نحوه تاثير اين متغيرها بر تقاضاي بيمه هاي اشخاص بر اساس تعاريف و ساختار اين بيمه نامه و سوابق مطالعات صورت گرفته است؛ همچنين نقش مهم بيمه هاي اشخاص به ويژه بيمه هاي زندگي، مانند ساير بيمه ها جذب پول هاي در دست مردم و حرف آن ها در سرمايه گذاري هاي مولد است، كه از اين طريق بهبود شاخص هاي اقتصادي نظير توليد ناخالص داخلي GDP، درآمد ملي GNI و درنهايت توسعه اقتصادي جامعه است كه در مقايسه با ديگر رشته هاي بيمه، نقش موثرتري دارد. يافته هاي اين تحقيق بيانگر آن است، كه تقاضاي بيمه هاي اشخاص با درآمد سرانه، نرخ بيكاري و سرانه خسارت هاي پرداختي بيمه گر رابطه مستقيم و با شاخص قيمت مصرف كننده رابطه معكوس دارد.

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 Discussion 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 .