نوع مقاله : پژوهشی

نویسنده

دانشگاه دریانوردی چابهار

چکیده

صنعت بیمه به عنوان یک موسسه مالی غیر بانکی با ارائه خدمات و برقراری ارتباط منطقی بیشتر با سایر بخش‌های صنعتی، تولیدی، کشاورزی و خدماتی از راه گردآوری حق بیمه‌های اندک بیمه‌گذاران، گروهای مختلف اقتصادی و پرداخت به‌موقع خسارت می‌تواند ضمن ایجاد و تأمین سرمایه‌های 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 سرمایه‌گذاری در آن بازار، می‌تواند اثر قابل توجهی بر ذخیره منابع مالی داشته باشد. ازاین‌رو پیش‌بینی این بازار در تولید، پرداخت حق بیمه، کنترل و هدایت این منابع مالی به بخش‌های اقتصادی جهت سرمایه‌گذاری، طرح و اعمال سیاست‌های پولی و مالی جهت رسیدن به اهداف بلندمدت اقتصادی مؤثر است. نتایج حاکی از آن است که صنعت بیمه با جذب حق بیمه‌های دریافتی و به جریان انداختن منابع پولی جمع آوری شده به صورت کارا و با سرمایه‌گذاری این منابع، می‌تواند بستر مناسبی برای رشد و توسعه اقتصادی فراهم آورد.

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