نوع مقاله : مقاله پژوهشی
نویسنده
گروه حقوق خصوصی، دانشکده حقوق، دانشگاه شهید بهشتی، تهران، ایران
چکیده
کلیدواژهها
موضوعات
عنوان مقاله [English]
نویسنده [English]
Commercial credit insurance as an insurance that insures the credit sellers of goods and services as well as creditors, including banks and credit institutions, against non-repayment of paid credits; It plays an important role in today's business, but it has not been well received by insurers in Iran. The reluctance of insurers to provide these insurances is more evident, especially in the case of export credit insurance coverage and also the credit insurance coverage of banks and financial institutions. One of the most important reasons for this situation is the very high risk of credit insurance coverage, which can lead the insurance company to bankruptcy. Although reinsurance is a solution for insurance companies to transfer and manage risk; But it faces limitations. By converting such risk into securities and transferring it to the capital market, risk management becomes possible for insurers, and it becomes possible to offer credit insurance. A solution that is also inserted in the note of Article 5 of the Budget Law of 1399. In this article, with a descriptive-analytical approach and using library resources, we discuss the special features of credit insurance and the effect the securitization of that risk will have on increasing its popularity
کلیدواژهها [English]
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