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|a ara
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|b مصر
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| 100 |
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|9 743308
|a بكر، سهى أحمد علي
|e مؤلف
|g Bakr, Soha Ahmed Ali
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| 245 |
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|a دراسة تحليلية لظاهرة الإلغاءات وأثرها على المركز المالي لشركات تأمينات الحياة في السوق المصري
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|a An Analytical Study of the Phenomenon of Cancellations and its Impact on the Financial Position of Egyptian Life Insurance Companies
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| 260 |
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|b جامعة أسيوط - كلية التجارة
|c 2023
|g يونيو
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|a 193 - 216
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| 336 |
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|a بحوث ومقالات
|b Article
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|a تناول هذا البحث الإلغاءات في وثائق التأمين على الحياة وأثرها في الملاءة المالية في شركات التأمين، واعتمدت الدراسة المنهج الوصفي في تحديد ومعالجة متغيراتها والتي تتمثل في الإلغاءات في وثائق التأمين على الحياة كمتغير مستقل، والملاءة المالية لشركات التأمين كمتغير تابع، ولغرض تحقيق أهداف البحث صيغت فرضية مستقلة، تم اختبارها في شركات التأمين واستخدم الباحث البيانات المالية في جمع البيانات والمعلومات اللازمة للدارسة، كما توصل البحث إلى عدد من الاستنتاجات أبرزها أن التضخم النقدي وكذلك المتغيرات الاقتصادية لدى المؤمن له، وارتفاع الأسعار والانخفاض في القوة الشرائية للنقود، وكذلك التفكير في شراء احتياجات أكثر أهمية من وثائق التأمين على الحياة إلى انعدام رغبة الفرد في الاستمرار في التأمين على الحياة لضآلة مبالغ التعويض قياساً بالمستوى العام للأسعار؛ مما يؤدي ذلك إلى زيادة معدلات الإلغاء في وثائق التأمين على الحياة الذي يؤدي إلى ضعف المركز المالي لشركات التأمين.
|b This research dealt with the cancellations in life insurance policies and their impact on the solvency of insurance companies. And the study relied on the descriptive approach in defining and treating its variables. Which are the cancellations in life insurance policies as an independent variable and the solvency of insurance companies as a dependent variable. And to achieve the objectives of the research, the researcher formulated an independent hypothesis and tested it in insurance companies by using financial data, which is necessary for the study. The research reached several conclusions, most notably is that there are many reasons lead to individuals' unwillingness to continue in life insurance due to the small amounts of insurance compared to the general level of prices. These reasons are monetary inflations, economic variables for the insured, high prices, a decrease in the purchasing power of money, and thinking about providing the basic needs that are more important than life insurance. And These reasons, in turn, lead to an increase in cancellation rates in life insurance policies and, consequently, the weakness of the financial position of insurance companies. And the cancellations in life insurance policies are also considered a financial loss to insurance companies. And this loss bears by the life insurance policyholders besides the financial burdens and administrative expenses borne by insurance companies. And this indicates that it was necessary to conduct a study of the reasons for cancellations in life insurance policies to address or reduce this phenomenon to maintain the stability of the financial position of insurance companies. The researcher used the simple regression analysis to analyze the financial statements of three insurance companies (Misr Life Insurance Company, Allianz Life Insurance Company, and the Egyptian Takaful Insurance Company) during the period from 2014 to 2018, which was measured through three dimensions, which are as follows: A. Net premiums. B. The rate of change in the size of the net premiums. C. The ratio of technical reserves to shareholders' equity. The study concluded a strong, statistically significant inverse effect of the rate of canceled insurance policies on financial solvency. The most important recommendations of the study are the following: • It is necessary to give the task of communicating with policyholders to the employees who have full knowledge of life insurance work from the technical and marketing perspectives. Hence, they will have the ability to answer any inquiries or complaints about obligations, premiums, payment facilities, and rights in the amounts of insurance due. And this will increase the confidence of policyholders and thus Retain existing customers as permanent customers. • The company should pay attention to studying the client's case to set fair pricing policies. It is also possible to add a borrowing service with the guarantee of the fixed-income policy; this ensures the integrity and balance of the insurance portfolio and effectively reduces cancellation requests so that the financial solvency is stable.
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| 653 |
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|a الشركات التأمينية
|a التأمين على الحياة
|a إلغاء الوثائق التأمينية
|a المتطلبات المالية
|a التضخم النقدي
|a مصر
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| 692 |
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|a الإلغاءات
|a وثائق التأمين على الحياة
|a الملاءة المالية في شركات التأمين
|b Rate of Cancellation
|b Financial Position
|b Simple Regression Model
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| 700 |
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|a أبو بكر، صفية أحمد
|g Abo-Bakr, Safia Ahmed
|e م. مشارك
|9 60496
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| 700 |
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|a مراد، أنجي فاروق أحمد
|g Murad, Injy Farouk Ahmed
|e م. مشارك
|9 400735
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| 773 |
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|4 الاقتصاد
|4 إدارة الأعمال
|6 Economics
|6 Business
|c 005
|l 078
|m ع78
|o 0474
|s مجلة كلية التجارة للبحوث العلمية
|t Scientific Journal of Faculty of Commerce
|v 000
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| 856 |
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|u 0474-000-078-005.pdf
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| 930 |
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|d y
|p y
|q n
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| 995 |
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|a EcoLink
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| 999 |
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|c 1404963
|d 1404963
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