Subscribe to the gold package and get unlimited access to Shamra Academy
Register a new userAnalysis of the rate of compensation in the government insurance on vehicles in Syria
تحليل معدل التعويضات في التأمين الحكومي على المركبات في سورية
939
0 22
0
(
0
)
Authors
ندى اليوسف( باحث )
Created by
Shamra Editor
Ask ChatGPT about the research
يعد قطاع التأمين من أهم قطاعات الخدمات المالية في أنحاء العالم، لأنه يواكب مجمل الأنشطة الاقتصادية ويسهم في دعمها، ويحافظ على استقرارها، بالإضافة إلىالدور الاجتماعي الهام للنشاط التأميني من خلال فرص العمل التي يوفرها، أو من خلال مساهمته في الاستقرار الاجتماعي. تهدف دراستنا إلى استعراض الدور الهام للتأمين الحكومي على المركبات في سورية من خلال دراسة تحليلية لمعدل تعويضات هذا الفرع في المؤسسة العامة السورية للتأمين، لكونها المؤسسة التي تمارس التأمين الحكومي، و بيان أثر هذا التأمين في مجمل أعمالها خلال الفترة من 2007 إلى2012 . لقد تبين لنا من خلال هذه الدراسة أن قطاع التأمين الحكومي على المركبات في سورية يشكل الحصة الكبرى من حجم أعمال المؤسسة العامة السورية للتأمين وهذا ما يشير إلى ضعف في باقي فروع التأمين، بالإضافة إلى ظهور تأثير الأزمة السياسية والأمنية والاقتصادية التي تتعرض لها سورية في هذه المحفظة بانخفاض أقساطها وازدياد عدد حوادثها و بالتالي ازدياد التعويضات المدفوعة واحتياطياتها ووقوع المؤسسة في خسائر غير متوقعة
Insurance sector is considered one of the most important financial services sectors around the world, because accompanies economical activities , contributes to their support , and maintains their stability , the important social role of insurance activity is highlighted through job vacancies provided ,or through its contribution in the social stability . Our study aims to review the main important of government insurance on vehicles in Syria through analytical study the rate of compensation of such branch in Syrian Insurance Company since it is the company that practices government insurance, in addition to spot the light on insurance effect on the total business of such company from 2007 to 2012 The study can conclude that government insurance sector of vehicles in Syria constitutes the main share of business volume of Syrian Insurance Company. This indicates the weakness of other insurance branches, in addition to the emergence of the impact of political security, economic crisis experienced by Syria on such sector starting from the decrease of insurance premiums to the increase of vehicles accidents number which led to the increase of the paid compensation installments and company’s reserves which caused unforeseen losses to the company.
References used
Kirby , Peter and Ransom , David J (Motor Insurance) , the Chartered Insurance . 1998
[email protected] - موقع المؤسسة العامة السورية للتأمين
حسان، فؤاد. التأمين: المبادئ النظرية و العلمية. جامعة المنوفية، كلية التجارة، 2008-2009
rate research
Read More
This research aims to identify the factors affecting the profitability of insurance
companies operating in Syria, a contribution to assist the management of those companies
to create the appropriate environment to ensure these companies to sustain
and success in
achieving their objectives and achieving the desired economic development.
To achieve the purpose of the study, data was collected from insurance companies
operating in Syria, two companies were excluded from the study, Oqaila Takaful Insurance
Company because of its commitment to the principles of Islamic law, and the General
Syrian Insurance Corporation because of the lack of of its financial data. The study period
spanned from 2009 to 2013. For the purpose of the study data analysis was used a Panel
Data model namely the pooled regression. The data were analyzed based on Eviews7.
Results of the study showed that both the political crisis and investments positively
affect the profitability of the company, while the leverage negatively affect the profitability
of insurance companies, the company's size and liquidity, did not show an effect on the
profitability of insurance companies.
Insurance companies have very huge money because of its
insurance activity, so they have to invest this money in many different
suitable channels, to save this money and increased it without any
risks.
This research uses canonical correlation analysis in the examination of the structure of mutual relationship between the components of population growth rate (birth, death and migration) and the levels of education and health in Syria.
Results prove
the existence of a strong relationship that is statistically significant between the components of rate of population growth and the educational and health levels. Death is strongly influenced by both levels while migration is strongly affected by the health level.
The interest rate is one of the most important way by the
monetary police for achieving its economical goal and raising
growth rate, it effects on banking activity by accepting deposits
and giving loans, which mean that harmonic between the
struc
ture of banking deposits and loans give a needed support to
investment, production and income to reach the stability
economic.
To show the relationship between interest and growth rates, we
have to aware the various effectives of inflation and population
rates on real growth, so we study it by using statistical system
SPSS.
This study addresses the problem of profitability in insurance companies and aims to analyze and discussion the impact of liquidity and capital adequacy and debt rate of National Insurance Company. Assuming that there is impact statistically signific
ant for each of the independent variables (liquidity, capital adequacy, debt rate) in the dependent variable (ROA). By using simple regression analysis to study the relationship between each dependent variable and a dependent variable and use the multiple regression analysis to study the impact of the independent variables together in the dependent variable. By using SPSS statistical analysis program. During the time from 2009 to 2016. The study showed inverse correlation but not statistically significant between (liquidity ratio and debt rate) and (ROA), and inverse correlation with statistically significant between (capital adequacy ratio) and (ROA).
The most important results of this study are that the National Insurance Company has a high level of solvency to ensure the risk of failure to recover part of its funds and this ensures that no reduction in the capital adequacy ratio (margin of solvency) is less than 150%, which is the permissible limit. In addition, that the liquidity ratio increased during the period and this confirms that the National Insurance Company is work to take its investment decisions to not exposing to a financial difficulty.
Log in to be able to interact and post comments
comments
Fetching comments
Sign in to be able to follow your search criteria
