تأثیر متقابل توسعه مالی و آزادی اقتصادی بر ضریب نفوذ بیمه در کشورهای منتخب ناموفق در توسعه صنعت بیمه

نویسندگان
ابوالفضل شاه آبادی 1
معصومه احمدی 2
علی مرادی 3
1 گروه اقتصاد، دانشکده اقتصاد و علوم اجتماعی، دانشگاه بوعلی سینا، همدان، ایران. shahabadia@gmail.com
2 واحد الکترونیکی دانشگاه آزاد اسلامی
3 دانشگاه آزاد واحد اراک
10.29252/jemr.8.31.41
چکیده
صنعت بیمه به‌عنوان ابزار انتقال ریسک و پرداخت خسارت موجب تأمین آتیه و اطمینان افراد و در نقش نهاد سرمایه‌گذار، موجب تجمیع منابع پس‌اندازی و تخصیص بهینه آن به نیازهای سرمایه‌گذاری و رشد اقتصادی کشورها می‌شود. بنابراین، ضروریست تا عوامل موثر بر توسعه این صنعت در کشورهای با ضریب نفوذ بیمه پایین، شناسایی شود و در خصوص تقویت عوامل فزاینده و رفع عوامل کاهنده آن اقدام لازم صورت پذیرد.

در همین راستا، تحقیق حاضر سعی نموده تا اثر متقابل توسعه مالی و شاخص‌های آزادی اقتصادی (شاخص کل، اندازه دولت، ساختار قانونی امنیت و حقوق مالکیت، دسترسی به پول سالم، آزادی تجارت خارجی و مقررات) بر ضریب نفوذ بیمه‌ در پانزده کشور ناموفق بیمه‌ای طی دوره 2014-2000 را بررسی نماید. به همین منظور، مدل تحقیق با استفاده از داده‌های تابلویی و به روش گشتاورهای تعمیم‌یافته برآورد گردید و نتایج نشان داد، اثر متقابل توسعه مالی و کلیه شاخص‌های آزادی‌ اقتصادی بر ضریب نفوذ بیمه مثبت و معنا‌دار است. همچنین، اثر انفرادی توسعه مالی و شاخص آزادی اقتصادی کل مثبت و معنادار است. اما، تأثیر انفرادی آنها بر ضریب نفوذ بیمه نسبت به اثر متقابل آنها کمتر است. در نهایت، اثر متغیرهای کنترل شامل درآمد سرانه، سرمایه انسانی و درجه شهرنشینی بر ضریب نفوذ بیمه در کشورهای منتخب، مثبت و معنادار و اثر نرخ بیکاری و تورم منفی و معنادار بوده است.
کلیدواژه‌ها
ضریب نفوذ بیمه
توسعه مالی
آزادی اقتصادی و داده‌های تابلویی

عنوان مقاله English

The Interaction of Financial Development and Economic Freedom on Insurance Penetration Unsuccessful Countries in the Development of the Insurance Industry

نویسندگان English

Abolfazl shahabadi 1
Mahsoomeh Ahmadi 2
Ali Moradi Ali Moradi 3
1 Faculty of Economics and Social Sciences, Bu-Ali Sina University, Hamedan, Iran
2 Islamic Azad University E-Campus
3 Islamic Azad University of Arak
چکیده English

The insurance industry as a means of transferring risk and paying damages, ensures the future and the confidence of individuals and as an investor's institution, It cumulation the saving resources and allocates it to the needs of investment and economic growth of the countries. Therefore, it is necessary to identify the factors influencing the development of this industry in countries with a low insurance penetration and action must be taken regarding reinforcement the increasing factors and Elimination its decreasing factors.In this regard, the present study has tried to determine the interaction between financial development and economic freedom indicators (total index, size of government, legal system and property rights, sound money, freedom to trade internationally and regulations) on the penetration insurance in Fifteen unsuccessful insurers will be insured over the period 2014-2000. For this purpose, the research model was estimated using panel data and generalized moment’s method. The results it shows the interaction of financial development and all index of economic freedom on insurance penetration the in selected countries have had a positive and meaningful. Also, the individual effect of financial development and total economic freedom index is positive and significant. However, their individual influence on the insurance penetration is less than their interaction. Finally, the effect of control variables including per capita income, human capital and urbanization rate on the insurance penetration in the selected countries have had a positive and meaningful and the effect of unemployment and inflation have had a negative and meaningful.

کلیدواژه‌ها English

Insurance Penetration
financial development
Economic Freedom
panel data
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