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Record identifier : 564858
Personal Name - Primary Intelectual Responsibility : Bassati, Somayeh
Title and statement of responsibility : THE DETERMINANTS OF REINSURANCE DEMAND IN THE IRANIAN INSURANCE MARKET [Thesis]/بساطی، سمیه;supervisor: Mahdavi;advisor: Ofoghi
Publication, Distribution,Etc. : , 2011
Language of the Item : eng
Internal Bibliographies/Indexes Note : Bibliography
Dissertation of thesis details and type of degree : MAster of Arts
Discipline of degree : , ACTUARIAL SCIENCE
Body granting the degree : , E.C.O. College of Insurance
Summary or Abstract : هدف تحقیق: بررسی عوامل تعیین کننده تقاضای بیمه اتکائی در بازار بیمه ایران است. یافته های تحقیق نشان ن=می دهند که میزان تقاضای بیمه اتکائی در بازار بیمه کشور ایران رابطه مشتقیمی با ریسک بیمه گری شرکتهای بیمه دار لیکن در خصوص ارتباط بی میزان این تقاضا و توانایی شرکتهای بیمه در پرداخت بدهی یشان هیچ رابطه معنی داری یافت نگردید
: Reinsurance is widely recognized as an important instrument in the capital management of an insurance company as well as its risk management tool. This thesis contributes to the issue of why insurers with different characteristics vary in their reinsurance demands and hypothesizes that companies with high level of underwriting risk and high level of leverage, utilize more reinsurance as well. Using a panel data ( 1378-1387 ) collected from the Iranian insurance companies and estimating the econometric regression model of the research by the fixed-effect methodology, we empirically find that reinsurance demand in the Iranian insurance market is positively related to the level of underwriting risk that insurance companies involve, representing that Iranian insurers consider reinsurance as an instrument for mitigating the underwriting risk and thus increasing their capacity to underwrite more and new businesses. However, we do not find any statistically significant relationship between reinsurance demand and leverage of the insurers for the Iranian insurance market. Further, it is found that insurance firm size which is the control variable of our econometric model, strongly and negatively affects the reinsurance purchase of the firm. This suggests that small insurance -companies demand more reinsurance compared to larger insurers in Iranian insurance market. We also examine the impact of other firm -specific factors including liquidity, profitability, investment earning and ownership structure of the insurer, on the reinsurance demand, but the effect of these factors are not statistically significant on the demand for reinsurance the end it is worthy to point out, although the reinsurance assists the insurance companies to improve their risk and financial situations, excessive use of reinsurance may lead to the failure of the insurer if its reinsurers fail to meet their obligations. Therefore, a sound and prudent management practices should be applied when insurers use reinsurance..
Topical Name Used as Subject : Reinsurance
: Leverage
: Underwriting Risk
Information of biblio record : TL
 
 
 
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