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Register a new userThe Suggested Insurance Regulatory Information System to Evaluate the Performance of Syrian Insurance Companies
نظام إنذار مبكر مقترح لتقييم أداء شركات ال تّأمين السّوريّة
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University of Aleppo أطروحة دكتوراه
Publication date
2013
fields
Mathematical Statistics
and research's language is
العربية
Authors
نور الحميدي( مشرف مساعد )
Created by
Shamra Editor
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ســعينا فــي هــذا البحــث إلــى ٍ اقتــراح نظــام إنــذار ّ مبكر يتكامــل ويتوافــق مــع طبيعــة السوق السورية للتأمين، ويتكون من مؤشرات علمية وعملية منفصلة لتقييم أداء شركات التأمين السورية. يقوم هذا النظام بجمع تلك المؤشرات في أربع مجموعات، حيث تتناول كل مجموعة منها جانبا معينا من الأخطار التي تواجهها شركات التأمين السورية، ثم قمنا باستنباط آلية للتمييز بين شركات التأمين السورية المدروسة وفق موشرات النظام المقترح، وميزنا عبــــر هــــذه الآليــــة بــــين الشــــركات ذات الأداء الايجــــابي وهي الأكثر نجاحاً والشركات ذات الأداء السلبي وهي الأقل نجاحاً. لقد طبقنا نظــــام الإنــــذار المبكــــر المقتــــرح علــــى عينة من شركات التأمين السورية المؤلفة من المؤسسة العامة السورية للتأمين الوحيدة، وست شركات تأمين خاصة، وعمـــــدنا إلـــــى اســـــتخدام الأســــاليب الإحصـــــائية المناسبة لاختبار فرضيات البحـــث حســـب الفتـــرة المتاحـــة لكـــلا القطـــاعين العـــام والخاص، وذلـــك لتحقيـــق أهـــداف البحث. توصـــلنا إلـــى نتـــائج تخـــدم متخـــذي القـــرار فـــي شـــركات التأمين السورية ويعتبر نظام الإنذار المبكر الذي قدمناه نظاماً محليا جديداً في حقل التأمين. ويمكــــن للدراســــات المســــتقبلية أن تــــدعم عمليــــة تطويره وزيادة عدد مؤشراته المدروسه من قبل باحثين آخرين.
We aimed in this research to suggest an Insurance Regulatory Information System (IRIS); it is integrated with the nature of the Syrian insurance market. This system consists of scientific, practical and separated indicators for evaluating the performance of the Syrian insurance companies. Moreover, this system consists of previous indicators which are divided into four groups. Each group studies a different side of risks that are faced by the Syrian insurance companies. We devised a mechanism to distinguish among the studied sample according to the proposed indicators. Depending on earlier mechanism, the studied companies are classified into the companies that have positive performance and others that have negative one. We have applied the suggested IRIS to the studied sample which includes one Syrian public insurance company and six private insurance companies. We depend on appropriate statistical methods to test hypotheses during the studied period to achieve objectives of the research. Major findings serve the decision makers in the Syrian insurance companies. Suggested IRIS is a new scientific method which should be used in the local insurance field. Future studies should be interested in developing and increasing the number of previous indicators.
Artificial intelligence review:
Research summary
تهدف هذه الأطروحة إلى اقتراح نظام إنذار مبكر لتقييم أداء شركات التأمين السورية. يتكون النظام المقترح من مؤشرات علمية وعملية منفصلة، موزعة على أربع مجموعات، كل منها تدرس جانبًا معينًا من الأخطار التي تواجهها شركات التأمين. تم تطبيق النظام على عينة من شركات التأمين السورية، بما في ذلك المؤسسة العامة السورية للتأمين وست شركات تأمين خاصة. استخدمت الباحثة الأساليب الإحصائية المناسبة لاختبار فرضيات البحث وتحقيق أهدافه. أظهرت النتائج أن النظام المقترح يمكن أن يخدم متخذي القرار في شركات التأمين السورية، ويعد نظامًا جديدًا في حقل التأمين المحلي. توصي الدراسة بضرورة تطوير النظام وزيادة عدد المؤشرات المدروسة في المستقبل.
Critical review
تعتبر هذه الدراسة إضافة قيمة لمجال التأمين في سوريا، حيث تقدم نظامًا جديدًا يمكن أن يسهم في تحسين أداء شركات التأمين. ومع ذلك، هناك بعض النقاط التي يمكن تحسينها. أولاً، يمكن زيادة عدد المؤشرات المستخدمة في النظام لتقديم تقييم أكثر شمولية. ثانيًا، يمكن توسيع نطاق الدراسة ليشمل شركات تأمين أخرى في المنطقة لمقارنة النتائج. ثالثًا، يمكن تعزيز التعاون بين الباحثين وشركات التأمين لتوفير بيانات أكثر دقة وشمولية. أخيرًا، يمكن تحسين الأساليب الإحصائية المستخدمة لتقديم نتائج أكثر دقة وموثوقية.
Questions related to the research
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ما هو الهدف الرئيسي من الدراسة؟
الهدف الرئيسي من الدراسة هو اقتراح نظام إنذار مبكر لتقييم أداء شركات التأمين السورية.
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ما هي المجموعات الأربع التي يتكون منها النظام المقترح؟
يتكون النظام المقترح من أربع مجموعات، كل منها تدرس جانبًا معينًا من الأخطار التي تواجهها شركات التأمين: نشاط الاكتتاب، الربحية، السيولة، وتقدير الاحتياطيات والتكاليف.
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ما هي الأساليب الإحصائية المستخدمة في الدراسة؟
استخدمت الباحثة الأساليب الإحصائية المناسبة لاختبار فرضيات البحث، بما في ذلك التحليل العنقودي الهرمي والانحدار اللوجستي.
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ما هي التوصيات الرئيسية للدراسة؟
توصي الدراسة بضرورة تطوير النظام وزيادة عدد المؤشرات المدروسة، وتعزيز التعاون بين الباحثين وشركات التأمين، وتحسين الأساليب الإحصائية المستخدمة.
References used
Atkinson, M.E., et al. (2000). An introduction to actuarial studies, Edward Elgar Publishing Limited, United King. 2. Beard, R. E, et al. (1984). Risk theory: the stochastic basis of insurance, 3ed, Chapman and Hall, London. 3. Benjamin, B. (1987). General insurance, 1Edtion, London, Heinemann. 4. Brigham Eugene. F. (2005). Ehrhardt Michael. C. Financial management: theory and practice, 11th Ed, Cen gage Learning, South- Western, printed in China.
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