مكتبة التأمني العرايق

مصباح كامل

التأمني يف كوردس تان العراق

دراسات نقدية

2014

2

2014

commisbahkamal@btinternet.

2014

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6

تقديم

1

4312

7

2

2

http://iraqinsurance.wordpress.com/2011/05/10/the-constitution-insurance-law-federal-regional-regulation

9

262124

8

تصدير

2112

21

2122

2124

22

هل هناك دور اقتصادي للتأمين في كوردستان العراق؟

2112

2882

22

23

3

3 Holger L Ingberg, “Capital Formation and Economic Development: The Role of Financial Institutions and Markets” in Bernard Wasow and Raymond D Hill, editors, The Insurance Industry in Economic Development (New York: New York University Press, 1986), pp 107-119.

24

22

Financial Capacity

4Financial Structure

5

Money Capital

Productive Capital

4

5 Doug Henwood, Wall Street (London: Verso, 1998), p 153

26

6

6

Harry Magdoff & Paul Sweezy, Stagnation and Financial Explosion (New York: Monthly Review Press, 1978) pp 93-106.

27

organised capital

markets

29

7

7

22721124927

28

21

22

8

9

8

9

Karl Marx, Critique of the Gotha Programme (New York: International Publishers, 1938), p 7.

22

23

24

11

10

Abdul Zahra Abdullah Ali, Insurance Development in the Arab World: Available Domestic Retention Capacity and Demand for International Reinsurance (London: Graham & Trotman, 1985) Ch 6, pp 190-222.

11 technical reserve

unearned premium reserve

unexpired risk reserve

outstanding claims reserve

incurred but not reported reserve

catastrophe reserve

claims equalisation reserve

22

12

12 free reserve

26

capital gains

27

13

13

Jim Bannister, Insurance Solvency Analysis (London: LLP Ltd, 1997)

29

Incurred Claims

28

15

14

66262881

15

Raymond D Hill, “Insurance & Financial Intermediation,” in Wasow and Hill, ed., op cit, pp 120-134.

31

Insurance Density 16

16 insurance

penetrationinsurance density

221211

2111Insurance Day, (London, 5 July 2002): 3

32

32

17

Swiss Re, ‘Insurance in Latin America: growth opportunities and the challenge to increase profitability,’ sigma, no. 2/2002 (Zurich), p 15.

33

232882

2886

34

221211219

:

7

18

21

19

Dr Michiel Leezenberg, “Democratization in Iraqi Kurdistan: Achievements, Prospects and Constraints,” in Prospects for Democracy in Iraq, a one-day seminar held at SOAS, London, 15 January 2002, by the Iraqi Institute for Democracy (Erbil). For full text see: http://www.iraq-democracy.org/transcript.htm

32

2,7

394,462

20

20

2112

477221122

36

41

211

21

21

37

2112

39

38

currency

board

2882

22 222888

22

2887

41

2892

552895

7321122629

23 46922421122

42

Presumption of Liability

Fundamental Risk

2897

22

21

211

2112

42

24

28886228882234

43

25

Institute of Islamic Banking & Insurance, Directory of Takaful (Islamic Insurance) 2000 (London: Institute of Islamic Banking & Insurance, 1999)

44

2882

222887

)

42

2882

28

26

27

UNDP2888

28

231

2111

2112

28

46

47

29

2112

29

Pool

Re2883

49

تطوير قطاع التأمين في كوردستان العراق: مالحظات أولية

2622116

2

2112

brief

48

5

2846

30

Abdul Rahman Ghassemlou, Kurdistan and the Kurds (Prague: Publishing House of the Czechoslovak Academy of Sciences and London: Collet’s (Publishers) Ltd, 1965)

21

2881

2882

288722

22

2111

31

2822

32

2112

22

23

2113

2113

2112

2112

2112

33

26222112

2112

22

222892

34

35

23

3

28212888

36

impurity principle

Geoff Hodgson, The Democratic Economy: a new look at planning, markets and power (Penguin Books, 1984) pp 85-109, 220-228.

37

2882292

Abbas Nassrawi, Iraq’s Burdens: Oil, Sanctions and Underdevelopment (Westport CT, Greenwood Press, 2002) p 54.

24

22

26

USAID

38

28525005

285250022118

27

32

2112

39

Zeki Fattah, “Investors Update New Investment Law & Planned Industrial City,” (26

September 2005) http://www.kurdistancorporation.com/AboutKurdistan_Zeki.html

29

72116

Foreign Direct Investment

(FDI)

knowledge and

efficiency spillover

”

28

40

41 Dr Zeki Fattah, “A Development Strategy for Iraqi Kurdistan,” developed for the Kurdistan Development Corporation (June 2004), p 4.http://www.kurdistancorporation.com/aboutKurdistan_development_strategy.htm

42

http://www.mesopotamia4374.com/adad1/lugatirakia1.htm

61

43 Chalmers Johnson, “Exporting the American Model: Markets and Democracy,” Tom Dispatch (May 5, 2006). This article can be read on Global Research. Ca, Centre for Research on Globalisation, website: http://www.globalresearch.ca/index.php?context=viewArticle&code=JOH20060505&articleId=2392

Ha-Joon Chang, “Kicking Away the Ladder: How the Economic and Intellectual Histories of Capitalism Have Been Re-Written to Justify Neo-Liberal Capitalism,” Post-Autistic Economics Review, Issue no. 15 (1 September 2002) http://www.paecon.net/PAEReview/development/Chang15.htm

Kevin P. Gallagher and Lyuba Zarsky, “Rethinking Foreign Investment for Development,” Post-Autistic Economics Review, Issue no. 37 (28 April 2006)

62

28822113

2113

62

63

import substitution

64

44

MEED

(5-11 May 2006), p 22

62

72116

66

micro-credit system

2882211

23

45

Dr Zeki Fattah, “A Development Strategy for Iraqi-Kurdistan,” (June 2004) http://www.kurdistancorporation.com/aboutKurdistan_development_strategy.htm

Zeki Fattah, “Investors Update New Investment Law & Planned Industrial City,” (26

September 2005) http://www.kurdistancorporation.com/AboutKurdistan_Zeki.html

67

27

69

4

2

46

388211271

68

221

:

:

cross border trading

(112)

71

(113)

:

.

vested

interests

47

indemnity

and insurance clauses

72

(25)

(26)

)27

72

.

(28)

.

.

73

2112

32112

48

3242112

3262116

http://www.althakafaaljadida.com/316/14.htm

2236221168

4222116226

“Iraq’s

Insurance Law 2005: A Review of Context and Some Economic Consequences”

74

24

23

2112

72

5

49

2112

Nik Pratt, “US renews attempts to replace state supervision with a federal system,” Insurance Day (21 April 2006), p 3.

76

77

financial intermediation

79

50

78

mutual

32

91

41

51 Insurance Day21

21162

Gemma Rogers, “Risk Pooling” Strategic Risk, April

2004, p 34

pools

92

52

public good

92

53

frequency and severity of losses

93

54

21129197

94

55

Gerry Dickinson, “Encouraging a Dynamic Life Insurance Industry: Economic Benefits and Policy Issues,” http://www.oecd.org/dataoecd/40/11/1857811.pdf

92

96

efficiency

spillover

97

56

99

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98

2

81

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4

211622

82

28212113

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10,000

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:

cross border trading

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(112)

65

indemnity

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(113)

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.

vested interests

213

(25)

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.

66

vicarious liability

214

(28)

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212

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98

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92

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http://www.althakafaaljadida.com/316/14.htm

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“Iraq’s

Insurance Law 2005: A Review of Context and Some Economic Consequences”

219

69

2112

218

2112

2

2

Nik Pratt, “US renews attempts to replace state supervision with a federal system,” Insurance Day (21 April 2006), p 3.

221

domicile

24

222

23

2112

222

28812113

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70 2112

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71

223

efficiency

spillover

2892

2892

72

2116

224

73

2822

2823Land ownership and contracts law

222

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22322882

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http://www.rezgar.com/debat/show.art.asp?aid=68025

237

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227

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229

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Code of Conduct

3

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229

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3

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3

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42

6

41

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211

7

TRIPLE A

231

9

8

7

21

232

8

2

21

22

2

22

232

61

233

2882

77

234

Article 15

Non Admitted Insurance

A. It shall not be permitted to insure liabilities, moveable or immovable property

existing [or under construction] in Afghanistan with insurers outside of Afghanistan.

B. It shall not be permitted for corporations operating in Afghanistan to insure their

employees with insurers outside Afghanistan. B. Afghan insurers may reinsure inside or outside Afghanistan.

232

272116

236

MEED, 15-21

February 2008, p 14

2882

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237

http://news.bbc.co.uk/hi/arabic/middle_east_news/newsid_7182000/7182437.stm

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Iraq Insurance Review

http://misbahkamal.blogspot.com/2008_02_01_arch

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http://misbahkamal.blogspot.com/2008_03_01_archive.html

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textbook

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(Lime Street

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Lombard

Street)the City

246

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celebrities

269

249

http://misbahkamal.blogspot.com/2008_07_01_archive.html

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248

http://misbahkamal.blogspot.com/2008_02_01_archive.html

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“The insurance sector needs to be recapitalized and modernized as well.”

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Risk Based Capital

Minimum Capital

Minimum Surplus

Capital Adequacy Reserve

Solvency Margin

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insurance sector”

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continuing professional education

information technology

80

http://misbahkamal.blogspot.com/2008_11_01_archive.html

262

targeting

motivation research

sales promotion

telemarketingemail marketing

263

junk mail

Ombudsman

code of

conduct

insurance penetration

insurance density

264

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262

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266

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269347211823

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trust

http://www.alhayat.com/business/05-2009/Item-20090506-174434a5-c0a8-10ed-00fa-e78f9d2d1721/story.html

269

2

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consultation

papers

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Misbah Kamal Insurance in Iraqi Kurdistan: critical studies

1st Edition 2014