پیوندهای مفید
آمار
| تعداد نشریات | 21 |
| تعداد شمارهها | 689 |
| تعداد مقالات | 10,025 |
| تعداد مشاهده مقاله | 71,034,801 |
| تعداد دریافت فایل اصل مقاله | 62,481,876 |
Evaluation of the hypothesis of habit formation in purchasing life insurance policies in Iran | ||
| International Journal of Nonlinear Analysis and Applications | ||
| مقاله 13، دوره 16، شماره 6، شهریور 2025، صفحه 139-151 اصل مقاله (400.62 K) | ||
| نوع مقاله: Research Paper | ||
| شناسه دیجیتال (DOI): 10.22075/ijnaa.2023.30192.4359 | ||
| نویسندگان | ||
| Mohamad Ali Khamse؛ Kambiz Peykarjou* ؛ Maryam Khalili Araqi | ||
| Department of Management and Economics, Science and Research Branch, Islamic Azad University, Tehran, Iran | ||
| تاریخ دریافت: 23 اسفند 1401، تاریخ پذیرش: 18 اردیبهشت 1402 | ||
| چکیده | ||
| Throughout its lifetime, neoclassical economics has always faced a steady stream of criticisms and suggestions regarding alternative methods and methodical approaches. The insurance industry consists of a large number of investors with different sentiments. These investors can be faced with emotions such as fear or excitement. In the capital market, these same feelings of investors can become problematic. As many people gain in the stock market and their capital increases, many people may also suffer losses. This research is of an applied type and the data of the statistical sample of the research, which includes the information of customers buying products in the insurance industry during the years 2013-2014, will be analyzed. First, the research variables were calculated using Excel software, and then the data was analyzed in a panel format using Eviews software. In the following, the research hypotheses will be analyzed. Finally, with statistical analysis, it can be stated that the hypothesis of habit formation in buying life insurance by using multivariate and autoregressive conditional heterogeneity variance approach has a significant effect. | ||
| کلیدواژهها | ||
| Habit formation hypothesis؛ life insurance؛ purchase behavior | ||
| مراجع | ||
|
[1] E. Abbasi and S. Derakhshideh, Factors influencing life insurance demand in Iran, Insurance Res. J. 1 (2013), no. 2. [2] D.F. Babbel, Inflation, indexation, and life insurance sales in Brazil, J. Risk Insurance 48 (1981), no. 1, 111–135. [3] M. Beenstock, G. Dickinson and S. Khajuria, The determination of life premiums: An international cross-section analysis 1970–1981, Insurance: Math. Econ. 5 (1986), no. 4, 261–270. [4] T. Bollerslev, Generalized autoregressive conditional heteroskedasticity, J. Economet. 31 (1986), no. 3, 307–327. [5] L. Bauwens, S. Laurent and J.V. Rombouts, Multivariate GARCH models: a survey, J. Appl. Econ. 21 (2006), no. 1, 79–109. [6] M.J. Browne and K. Kim, An international analysis of life insurance demand, J. Risk Insurance 60 (1993), no. 4, 616–634. [7] R.A. Campbell, The demand for life insurance: An application of the economics of uncertainty, J. Finance, 35 (1980), no. 5, 1155–1172. [8] J.J. Cummins, An econometric model of the life insurance sector of the US economy, J. Risk Insurance 40 (1973), no. 4, 533–554. [9] K.E. Dynan, Habit formation in consumer preferences: Evidence from panel data, Amer. Econ. Rev. 90 (2000), no. 3, 391–406. [10] R.F. Engle, Stock volatility and the crash of ’87: Discussion, Rev. Financ. Stud. 3 (1990), no. 1, 103–106. [11] R.F. Engle and K.F. Kroner, Multivariate simultaneous generalized ARCH, Economet. Theory 11 (1995), no. 1, 122–150. [12] S. Fischer, A life cycle model of life insurance purchases, Int. Econ. Rev. 14 (1973), no. 1, 132–152. [13] P. Fortune, A theory of optimal life insurance: Development and test, J. Finance, 28 (1973), no. 3, 587–600. [14] N.H. Hakansson, Optimal investment and consumption strategies under risk, an uncertain lifetime, and insurance, Int. Econ. Rev. 10 (1969), no. 3, 443–466. [15] J.D. Hammond, D.B. Houston, and E.R. Melander, Determinants of household life insurance premium expenditures: An empirical investigation, J. Risk Insurance 34 (1967), no. 3, 397–408. [16] C.C. Lim and S. Haberman, Macroeconomic Variables and the Demand for Life Insurance in Malaysia, Faculty of Actuarial Science and Statistics, CASS Business School, City University (London), 2003. [17] M. Mehrara and A.M. Rajabian, Demand for life insurance in Iran and oil exporting countries, Econ. Res. Tehran Univ. 41 (2005), no. 74. [18] F. Pasban, M. Akbari, and A. Hosseini, A comparative study of the role of life insurance in national savings in different countries and its comparison with Iran, Insurance Ind. Quart. 64 (2018). [19] J. Pezhouyan and M. Pour Partovi, Estimation of the demand function of life insurance and its forecast, Bahar Insurance Ind. J. 69 (2003). [In Persian] [20] B.J. Pine and J.H. Gilmore, Welcome to the experience economy, Harvard Bus. Rev. Press 76 (1998), no. 4. [21] M. Rajabian, Demand for life insurance in Iran and oil exporting countries, Master’s thesis, Tehran School of Economics, 2019. [22] K.S. Tan, P. Wei, W. Wei, and S.C. Zhuang, Optimal dynamic reinsurance policies under a generalized Denneberg’s absolute deviation principle, Eur. J. Oper. Res. 282 (2020), no. 1, 345–362. [23] M.E. Yaari, Uncertain lifetime, life insurance, and the theory of the consumer, Rev. Econ. Stud. 32 (1965), no. 2, 137–150. | ||
|
آمار تعداد مشاهده مقاله: 812 تعداد دریافت فایل اصل مقاله: 430 |
||