Abstrakt

The Impact of Privatization in Insurance Industry on Insurance Efficiency in Iran

Shahram Gilaninia, Hosein Ganjinia, Azadeh Asadia

PRIVATIZATION AND LIBERALIZING HAS BEEN AS STRATEGIES THAT IN THE TWO DECADES 1980 AND 1990 BY THE INTERNATIONAL MONETARY FUND (IMF), THE WORLD BANK AND OTHER INTERNATIONAL ECONOMIC CENTERS BE RECOMMENDED STRICTLY TO THE VARIOUS COUNTRIES TO ENHANCE EFFICIENCY. NOWADAYS PRIVATIZATION IS ON THE AGENDA OF MOST COUNTRIES. SINCE THE INSURANCE INDUSTRY IS ONE OF THE MAJOR INSTITUTIONS OF THE CAPITAL MARKET AND CHANGES IN INSURANCE EFFICIENCY HAS A GREAT IMPACT IN GROWTH AND ECONOMIC DEVELOPMENT OF THE COUNTRY, IN THIS STUDY TRYING TO INVESTIGATE THE PRIVATIZATION EFFECTS OF INSURANCE INDUSTRY ON INSURANCE EFFICIENCY IN COUNTRY IRAN. AT FIRST DEFINITIONS, WILL BE EXPRESSION GOALS, METHODS, PRIVATIZATION NECESSITY OF THE INSURANCE INDUSTRY AND THE EXPERIENCE OF SOME COUNTRIES IN THE FIELD OF INSURANCE PRIVATIZATION. THEN TWO INDICES OF THE INSURANCE INFLUENCE COEFFICIENT AND PREMIUM PER CAPITA WILL BE INTRODUCE AS IMPORTANT INDICATORS OF THE EFFICIENCY OF THE INSURANCE INDUSTRY .RESEARCH CONDUCTED SHOW THAT INSURANCE GOVERNMENTAL IN THE YEARS AFTER THE REVOLUTION IN THE YEARS AFTER THE REVOLUTION IS CAUSING TO REDUCTION THE EFFICIENCY OF THE COUNTRY INSURANCE INDUSTRY. ALSO WAR HAD A NEGATIVE IMPACT ON THE TWO INDICES. AT THE END OF THIS STUDY WE REACHED TO THIS CONCLUSION THAT WITH THE IMPLEMENTATION OF THE PRIVATIZATION PROCESS, IS INCREASED EFFICIENCY INSURANCE INDUSTRY, AND IT SHOULD BE NOTED TO FURTHER PRIVATIZATION OF INSURANCE INDUSTRY, BEEN PRIVATIZED INSURANCE COMPANIES SHOULD TO WORK UNDER THE CENTRAL INSURANCE.