فایل کامل و عالی بررسی منشاء های ریسک و طبقه بندی آنها در انواع مختلف بیمه ها

Abstract
The current study attempted to investigate the origins of risk for different
types of insurances such as properties and responsibility insurance in Dana
Insurance Company (DIC). The statistical population are included all insured
members in Kurdistan province and those made DIC in loss. The data was
collected for the financial year 2001-2008, from the insured and those made DIC in
loss. The total samples were about 187 and 387 respectively, which have been
collected through random sampling method. The primary data collected for the
first group through questioner and conversation tools and secondary data used for
the second group based on documented files and complementary data by
conversation with the phone tools with those suffered loss.
The results show that, the most risky insurance type is belong to vehicle
insurance (i.e. third party and vehicle’s body) and fire and care insurances bear the
lowest risky activities. The most loss imposed to DIC belongs to members who
are having diploma and under that or members with age between 25-35 years old
and the members with master and PhD degree or 55 years old had the lowest share
in that. And again, as results showed the factors such as sex, job, previous
experience in loss, age, and education level have significant relationship with the
amount of loss at one or five percent level.
Keywords: Insurance, Dana Insurance Company (DIC), Kurdistan Province,
Origins of Risk.

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