چکیده مقاله
The insurance industry plays a crucial role in financial stability, yet its resilience depends on early identification of risks Globally, regulators employ Early Warning Systems EWS to detect financial distress before it escalates, using a combination of capital, profitability, liquidity, and governance indicators IAIS, 2020; EIOPA, 2021; NAIC, 2020 While the United States and European Union have established advanced frameworks, Iran lacks a native EWS and relies almost exclusively on the Solvency Margin Ratio SMR , which provides a narrow view of insurer health CII, 2023; Financial Tribune, 2022 This study reviews recent international and Iranian research on insurer risk monitoring, with emphasis on the last five years Empirical evidence shows that macroeconomic shocks—including inflation, sanctions, and exchange rate volatility—significantly impact solvency in Iran Haghverdilou et al , 2022; Peykarjou et al , 2022 Literature from Turkey and the GCC highlights the potential for risk based supervision and predictive models tailored to local contexts Koçer & Kestel, 2025; IMF, 2021 The paper proposes was done by comparative analysis & literature synthesis methodology as a conceptual framework for Iran that integrates financial, macroeconomic, and governance indicators within a supervisory ladder of intervention This localized model aligns with international best practices while addressing Iran’s unique vulnerabilities Findings indicate that implementing such an EWS would strengthen regulatory capacity, improve policyholder protection, and enhance the overall stability of the insurance sector
کلیدواژهها
نویسندگان
M. Soltani
M. Tarkhorani
M. Tarkhorani
M. Soltani
شیوه ارجاع
Soltani, M. and Tarkhorani, M.,1404,Absence of a Native Early-Warning System for Insurer Risks in Iran and Its Indicators,The 32nd National Conference and the 13th International Conference on Insurance and Development: 'Reimagining Supervision in Insurance: An Innovative Path toward Effective Regulation',Tehran
ارائهشده در
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