دراسة تحليلية للمؤشرات المالية في سوق التأمين السورية
Abstract
The aim of this research is to calculate the most important financial indicators that reflect the reality of the insurance market at the macro and micro levels in the Syrian Arab Republic, analyze the results, and make suggestions to improve the reality of the insurance companies.
The descriptive methodology / survey based on the survey was based on the study of the phenomenon (the reality of insurance companies operating in Syria) as they exist in reality and described accurately, and the statistical program of social sciences SPSS was used in the analysis of the results.
The most important results were the weak contribution of the insurance sector in the GDP, where it did not exceed 1.5% until after 2012, to reach the highest value of 4.1% in 2017, mainly due to the decline in GDP during the crisis years. The most important recommendations were the need to activate the role of insurance activity in the GDP and the national economy, in addition to the need to spread the culture of insurance in the community and the definition of its importance and the positive points achieved by the clients dealing with insurance from people to companies.
هدف هذا البحث إلى حساب أهم المؤشرات المالية المعبرة عن واقع السوق التأميني على المستويين الكلي والجزئي في الجمهورية العربية السورية وتحليل النتائج، وتقديم مقترحات تحسن من واقع شركات التأمين.
تم الاعتماد على المنهج الوصفي/المسح القائم على استطلاع الرأي والذي يعتمد على دراسة الظاهرة (واقع شركات التأمين العاملة في سورية) كما توجد في الواقع ووصفها بدقة، وتم استخدام البرنامج الاحصائي للعلوم الاجتماعية SPSS في تحليل النتائج.
كانت أهم النتائج تتمثل بضعف مساهمة قطاع التـأمين في الناتج المحلي الإجمالي، حيث لم تتخط نسبة 1.5% إلى بعد عام 2012، لتصل هذه النسبة إلى أعلى قيمة لها 4.1% عام 2017 ويرجع هذا الارتفاع بشكل أساسي إلى تراجع حجم الناتج المحلي الإجمالي خلال سنوات الأزمة، أما أهم التوصيات فكانت بضرورة تفعيل دور النشاط التأميني في الناتج المحلي الإجمالي والاقتصاد الوطني، بالإضافة إلى ضرورة نشر ثقافة التأمين في المجتمع والتعريف بأهميتها والنقاط الإيجابية التي تحققها الجهات المتعاملة بالتأمين بدءاً من الأشخاص وانتهاءً بالشركات.
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