تسويق وثائق التأمين في العراق : دراسة تحليلية لآراء عينة من منتجي و مكتتبي عينة من شركات التأمين الأهلية العراقية

الملخص EN

The study addressed main research question: how private insurance companies market insurance policies ?.The study designed questionnaire to collect data respond by underwriters and sales man in Private insurance companies in Iraq.

The study used 64 questionaries' distributed randomly among managers and head department among private banks in Erbil city.

A statistic analytical program (SPSS) was used to analyze the result of the study.

The study find results that private bank managers make their decision to select new branch location according their opinion and not according scientific basis .In addition, the study finds that selecting new branch location depend upon many factors such as finding a suitable building in the main street in the city surrounding with many business and firms .

The location should be near car parking in secure districts.

Banks attempt to open new branch in a district with a high growth of population and characteristic with a high level of educated population.

A high performance banks are more encouraged to open new branches.

Banks attempt to open new branches in a distance with other banks and in a low level of competition.

Banks with a sufficient staffs are more encouraged to open new branches.

The study will suggest that private banks to establish research and development departments to assist bank manager in making feasibility and economic studies to be used in selecting new branch.