أثر المتغيرات الاقتصادية في الطلب على تامينات الحياة في السوق المصري

نوع المستند : المقالة الأصلية

المؤلف

کلية التجارة - جامعة الازهر

المستخلص

Abstract This paper discusses the impact of development in the economic environment on the demand for life insurance. The main macroeconomic variables discussed in this study are income, financial development, inflation, interest rate, savings, and stock market returns. The study also examines some demographic variables that are expected to have an impact on life insurance such as population size, mortality rate, dependency rate and life expectancy. Time series analysis is also used to predict the expected demand from life insurance. The study concludes that income, insurance price, population size, and life expectancy are important economic and demographic variables linked to demand for life insurance. The main recommendation of the study is to exploit the continuous growth of the 2 population to raise awareness and culture of insurance and the need to provide insurance services commensurate with individual income.

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المراجع

الفترة 4002 – 4004. ثانيا: المراجع األجنبية 1. Babbel, D. F., (1985). "The Price Elasticity of Demand for Whole Life Insurance", The Journal of Finance, Vol. 40, No. 1, pp. 225-239. 25 2. Browne, M. J., and Kim, K., (1993). "An International Analysis of Life Insurance Demand", Journal of Risk & Insurance, Vol. 60, No. 4, pp. 616-634. 3. Cargill, T. F. and Troxel, T. E., (1979). "Modeling Life Insurance Savings: Some Methodological Issues", The Journal of Risk and Insurance, Vol. 46, No. 2, pp. 391-410. 4. Chauhan, Shobha (2012)."The Effects of Financial Liberalization in Emerging Market Economies", University of South Africa, South Africa: University of South Africa. 5. Lim, Chee Chee and Steven Haberman (2003). "Macroeconomics Variables and Demand for Life Insurance in Malaysia", Faculty of Actuarial Science and Statistics, CASS Business School, City University, London , available in:www. Staf.city.ac.uk. 6. Mahdzan, Nurul Shahnaz & Sarah Margaret Peter Victorian (2013). "The Determinants of Life Insurance Demand: A Focus on Saving Motives and Financial Literacy", Asian Social Science; Vol. 9, No. 5, pp. 274-284. 7. Munir,Sehar;Khan ,Azra; Jamal, Ahsan (2011). "Impacts of Macroeconomic & Demographic Variables on the Demand of Life Insurance: A Case Study of State Life Insurance Corporation of Pakistan (1973-2010)", Pakistan: University of Management and Technology. 8. Nestersova, D. (2008). "Determinants of the Demand for Life Insurance: Evidence from Selected CIS and CEE Countries", Ukraine: National University Kyiv-Mohyla Academy. 9. Neumann , Seev (1969). "Inflation and Saving through Life Insurance". The Journal of Risk and Insurance. Vol. 36, No. 5, pp. 567-582 10. Outreville, J. F., (1996). "Life Insurance Markets in Developing Countries", Journal of risk and insurance, Vol. 63, No. 2, pp. 263-278. 11. Truett, D.;L. J. Truett(1990). "The Demand for Life Insurance in Mexico and the United States: A Comparative Study", Journal of Risk and Insurance, vol. 57: pp. 321-328.

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