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دکتر حمیدرضا ایزدی

چکیده

صنعت بیمه به عنوان یک موسسه مالی غیر بانکی با ارائه خدمات و برقراری ارتباط منطقی بیشتر با سایر بخش¬های صنعتی، تولیدی، کشاورزی و خدماتی از راه گردآوری حق بیمه¬های اندک بیمه¬گذاران، گروهای مختلف اقتصادی و پرداخت به‌موقع خسارت می¬تواند ضمن ایجاد و تأمین سرمایه¬های خصوصی و عمومی، با برقراری آسایش و امنیت خاطر نزد کارآفرینان، صاحبان حرفه، مشاغل جامعه در افزایش تولید، کاهش واردات از بازارهای جهانی و قطع وابستگی نقش مؤثری در توسعه اقتصادی ایفا نماید. شناسایی و بررسی بازار بیمه از نظر نقش سهم دولتی و غیر دولتی به سبب سرمایه¬گذاری در آن بازار، می‌تواند اثر قابل توجهی بر ذخیره منابع مالی داشته باشد. ازاین‌رو پیش¬بینی این بازار در تولید، پرداخت حق بیمه، کنترل و هدایت این منابع مالی به بخش¬های اقتصادی جهت سرمایه¬گذاری، طرح و اعمال سیاست¬های پولی و مالی جهت رسیدن به اهداف بلندمدت اقتصادی مؤثر است. نتایج حاکی از آن است که صنعت بیمه با جذب حق بیمه¬های دریافتی و به جریان انداختن منابع پولی جمع آوری شده به صورت کارا و با سرمایه¬گذاری این منابع، می¬تواند بستر مناسبی برای رشد و توسعه اقتصادی فراهم آورد.

جزئیات مقاله

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ارجاع به مقاله
ایزدید. ح. (۱۳۹۷-۰۲-۱۰). بررسی و تعیین سهم بازار دولتی و غیر دولتی از حق بیمه تولیدی و پرداختی و پیش‌بینی این بازار مالی. پژوهش های اقتصاد پولی، مالی, 25(15), 275-295. https://doi.org/10.22067/pm.v25i15.47869
نوع مقاله
پژوهشی