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سامانه جمع آوری خودکار تجهیزات IT
افرنگ نیوز مجله زندگی
مجتمع تفريحي ورزشي آب
آقاي رييس جمهور! طرح انتقال آب درياي خزر را به رفراندوم بگذاريد
مافياي مهاجر‌كُش
5 توصيه براي مبتلايان به نارسايي قلبي
سرطان و ام اس بيماري‌هايي که با تغييرات ژنتيکي به جان افراد مي‌افتند
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نکات بهداشتي قبل و بعد سفر
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بالا بودن ميانگين مرگ‌هاي زودرس در ايران
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a bill for the reform of the german insurance contracts
تعداد بازدید : 306
 
 a bill for the reform of the german insurance contracts act ± separation of investment activities and risk business  by dieter hesberg and walter karten  1. preliminary observations in 1997 the largest opposition group in the german parliament introduced a bill to reform the insurance contracts act1 which attracted much public attention and confused insurance experts considerably. this is understandable. the proposed legal provisions imply a very peculiar understanding of ``insurance as an economic activity and of the function of ``insurance companies. if implemented these proposals would drastically change the entire german insurance industry in a way which ± as far as can be ascertained ± is without historical or international empirical precedent: the compulsory separation of investment activities and risk business would actually decapitate the insurance business and would cause it to degenerate into a purely organizational service activity. it appears to us to be important and interesting to examine the reasoning behind the bill and its far-reaching consequences from two aspects: ®rstly the bill poses the basic question ``what is insurance? it goes on to answer this question with a fundamentalist dogma of a purported ``nature of insurance which ± although only subjectively valid ± is used as the basis for the postulates embodied in the bill and which appears to render these postulates immune to any criticism based on any other reasoning. secondly the question is raised as to the economic justi®cation for the proposed new regulation which would involve severe market constraints. it is from this point of view that the postulates must ultimately be assessed.we will not in this paper be going into the directly associated aspects of the legal nature of the insurance contract but will con®ne ourselves to the strictly economic perspective. download attachment file ...
 
نویسنده: dieter hesberg and walter karten
مترجم :
منبع :
تاریخ : april 1999
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