راهبردهای متنوع سازی محصولات شرکت بیمه نوین با کاربرد تئوری فضای محصول
الموضوعات :
1 - Department of Economics, ُ Sanandaj Branch, Islamic Azad University, Sanandaj, Iran
الکلمات المفتاحية: متنوع‌سازی, محصولات بیمه‌ای, بیمه نوین, فضای محصول, رقابت پذیری,
ملخص المقالة :
صنعت بیمه در ایران یک صنعت رقابتی بوده و برای شرکت‌های فعال در این صنعت کسب مزیت رقابتی از اهمیت ویژه‌ای برخوردار است. یکی از راهبردهای رقابت پذیری متنوع سازی عرضه محصولات بیمه‌ای می‌باشد.متنوع سازی محصولات از راه‌حل‌های اصلی برای افزایش درآمد، سودآوری، و کاهش ریسک به شمار می آید.هدف این مقاله پس از ترسیم شبکه محصولات ایران، شناسایی محصولاتی است که شرکت بیمه نوین در عرضه آن‌هادارای مزیت نسبی آشکار شده و یا مزیت نسبی پنهان است. پژوهش با استفاده از میانگین داده‌های مربوط به حق تولیدی هر محصول طی سال‌های 1395الی 1398 و بهره‌گیری از تئوری فضای محصول و و علم شبکه انجام شده است.نتایج این مطالعه نشان داد که شرکت بیمه نوین از میان شانزده محصول بیمه‌ای مورد بررسی در عرضه شش محصول دارای مزیت نسبی آشکار شده(فعال)، هفت محصول دارای مزیت نسبی پنهان(بالقوه فعال) و در عرضه سه محصول باقیمانده غیر فعال و احتمال فعال سازی برابر با صفر است. در ادامه توالی فعال سازی هفت محصول دارای مزیت نسبی پنهان بر اساس استراتژی‌های حداکثری، حریصانه، درجه بالا و درجه پایین مشخص گردید.نهایتا باروش‌های بردا و کپ لند چهار استراتژی ترکیب و توالی فعال‌سازی محصولات دارای پتانسیل فعال شدن برای شرکت بیمه نوین بر اساس این استراتژی ترکیبی به ترتیب بیمه‌های مهندسی، نفت و انرژی، سایر، هواپیما، حوادث راننده و شخص ثالث تعیین گردید.
المصادر:
Al-Khasswneh, R. S. J., Mohammad, A., Al-Shaikh, F. N., Melhem, Y. S., Al-Azzam, M. K. A., Alolayyan, M. N., ... & Al-Hawary, S. I. S. (2023). Impact of Strategic Vigilance on Competitive Capabilities in Jordanian Insurance Companies. In The Effect of Information Technology on Business and Marketing Intelligence Systems(pp. 1061-1076). Cham: Springer International Publishing.
Alshamsi, A., Pinheiro, F. L. & Hidalgo, C. A (2018). Optimal diversification Comercio de Zacualtipán, Hidalgo, 2007-2008. Revista Mexicana, 25(1345-2016-104256), 24 – 32.
Alshamsi, A., Pinheiro, F. L., & Hidalgo, C. A. (2018). Optimal diversification strategies in the networks of related products and of related research areas. Nature communications, 9(1), 1328.
Ansoff, H. I. (1957). Strategies for diversification. Harvard business review, 35(5), 113-124.
Balassa, B. (1965). Trade liberalisation and “revealed” comparative advantage 1. The manchester school, 33(2), 99-123.
Caruth, C., & Hartman, G. (1996). An Interview with Geoffrey Hartman. Studies in Romanticism, 35(4), 630-652.
Duijm, P., & Van Beveren, I. (2022). Product diversification as a performance boosting strategy? Drivers and impact of diversification strategies in the property‐liability insurance industry. Risk Management and Insurance Review, 25(3), 303-328.
Fortunato, A., & Giovanardi, G. (2019). Credere e avere fiducia nella complessità Commento critico alla co-occorrenza tra Disforia di Genere e autismo. Credere e avere fiducia nella complessità Commento critico alla co-occorrenza tra Disforia di Genere e autismo, 91-104.
Gómez-Zaldívar, F., & Molina-Perez, E. (2021). Evolution of the productive capabilities of Mexico: Economic complexity analysis for the development of special economic zones (SEZ). The International Trade Journal, 35(1), 4-18.
Guevara, M. R., Hartmann, D., Aristarán, M., Mendoza, M., & Hidalgo, C. A. (2016). The research space: using career paths to predict the evolution of the research output of individuals, institutions, and nations. Scientometrics, 109, 1695-1709.
Hartman, G., & O’Hara, D. T. (2004). The Geoffrey Hartman Reader. Edinburgh University Press.
Hartmann, D., Guevara, M. R., Jara-Figueroa, C., Aristarán, M., & Hidalgo, C. A. (2017). Linking economic complexity, institutions, and income inequality. World development, 93, 75-93.
Hartmann, D., Guevara, M. R., Jara-Figueroa, C., Aristarán, M., & Hidalgo, C. A. (2017). Linking economic complexity, institutions, and income inequality. World development, 93, 75-93.
Hartmann, M., Poletti, D., Ivanchenko, M., Denisov, S., & Hänggi, P. (2017). Asymptotic Floquet states of open quantum systems: the role of interaction. New Journal of Physics, 19(8), 083011.
Hausmann, R., & Chauvin, J. (2015). Moving to the adjacent possible: Discovering paths for export diversification in Rwanda. CID Working Paper Series.
Hausmann, R., Goldstein, P., Grisanti, A., O'Brien, T., Tapia, J. A., & Santos, M. A. (2020). A roadmap for investment promotion and export diversification: The case for Jordan. CID Working Paper Series.
Hausmann, R., Goldstein, P., Grisanti, A., O'Brien, T., Tapia, J. A., & Santos, M. A. (2020). A roadmap for investment promotion and export diversification: The case for Jordan. CID Working Paper Series.
Hausmann, R., Hidalgo, C. A., Bustos, S., Coscia, M., Chung, S., Jimenez, J., ... & Yıldırım, M. A. Kapak tasarımı: Türkiye’nin “Ürün Uzayı “(2008).
Hidalgo, C. A., & Hausmann, R. (2009). The building blocks of economic complexity. Proceedings of the national academy of sciences, 106(26), 10570-10575.
Hidalgo, C. A., Klinger, B., Barabási, A. L., & Hausmann, R. (2007). The product space conditions the development of nations. Science, 317(5837), 482-487.
Jun, B., Alshamsi, A., Gao, J., & Hidalgo, C. A. (2017). Relatedness, knowledge diffusion, and the evolution of bilateral trade. arXiv preprint arXiv:1709.05392.
Khosravi, A & Sultan Panah, H. (2022). Application of economic complexity theory in industrial policy making. Quarterly Journal of Strategic Management in Industrial Systems (formerly Industrial Management), 16(58), 216-227.
Khosravi, A., Daei-Karimzadeh, S., Shahmoradi, B., & Soltanpanah, H. (2020). Optimizing the Export Diversification Strategy of Iran's Chemical Products Using Product Spaces and Economic Complexity Theories. Iranian Journal of Economic Studies, 9(2), 595-621.
Rahimiaghdam, S., Sanoubar, N., & Haghverdizadeh, A. (2020). Explaining a Model for Obtaining Sustainable Competitive Advantage Based on Talent Management Strategy in Insurance Industry. Commercial Surveys, 17(99), 104-116.
Rajabi Farjad, H., Tootian Isfahani, S., & Sabet, M. (2019). The impact of blue ocean strategy on the competitive advantage of an insurance companies (Case study: An insurance company). Iranian Journal of Insurance Research, 8(4), 79-115.
Rostamzadeh, P., & Yadegar, Z. (2023). The position of the insurance industry in the Iranian stock market: a network theory approach. Iranian Journal of Insurance Research, 12(1), 1-14.
Sezai, A. (2020). Evolution of the product space and a new proposal for Turkeys export incentive system. Turkey: Presidency of Strategy and Budget.
Spillers, H., Hartman, S., Griffin, F. J., Eversley, S., & Morgan, J. L. (2007). " Whatcha gonna do?": Revisiting" mama's baby, papa's maybe: An American grammar book": A conversation with Hortense Spillers, Saidiya Hartman, Farah Jasmine Griffin, Shelly Eversley, & Jennifer L. Morgan. Women's Studies Quarterly, 35(1/2), 299-309.
Waniek, M., Elbassioni, K., Pinheiro, F. L., Hidalgo, C. A., & Alshamsi, A. (2020). Computational aspects of optimal strategic network diffusion. Theoretical Computer Science, 814, 153-168.
Weiwei, L. (2021). Analysis of Ansoff Growth Strategy: a Case of Chinese Yunnan Baiyao Company. Industrial Engineering and Innovation Management, 4(2), 1-6.
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Al-Khasswneh, R. S. J., Mohammad, A., Al-Shaikh, F. N., Melhem, Y. S., Al-Azzam, M. K. A., Alolayyan, M. N., ... & Al-Hawary, S. I. S. (2023). Impact of Strategic Vigilance on Competitive Capabilities in Jordanian Insurance Companies. In The Effect of Information Technology on Business and Marketing Intelligence Systems(pp. 1061-1076). Cham: Springer International Publishing.
Alshamsi, A., Pinheiro, F. L. & Hidalgo, C. A (2018). Optimal diversification Comercio de Zacualtipán, Hidalgo, 2007-2008. Revista Mexicana, 25(1345-2016-104256), 24 – 32.
Alshamsi, A., Pinheiro, F. L., & Hidalgo, C. A. (2018). Optimal diversification strategies in the networks of related products and of related research areas. Nature communications, 9(1), 1328.
Ansoff, H. I. (1957). Strategies for diversification. Harvard business review, 35(5), 113-124.
Balassa, B. (1965). Trade liberalisation and “revealed” comparative advantage 1. The manchester school, 33(2), 99-123.
Caruth, C., & Hartman, G. (1996). An Interview with Geoffrey Hartman. Studies in Romanticism, 35(4), 630-652.
Duijm, P., & Van Beveren, I. (2022). Product diversification as a performance boosting strategy? Drivers and impact of diversification strategies in the property‐liability insurance industry. Risk Management and Insurance Review, 25(3), 303-328.
Fortunato, A., & Giovanardi, G. (2019). Credere e avere fiducia nella complessità Commento critico alla co-occorrenza tra Disforia di Genere e autismo. Credere e avere fiducia nella complessità Commento critico alla co-occorrenza tra Disforia di Genere e autismo, 91-104.
Gómez-Zaldívar, F., & Molina-Perez, E. (2021). Evolution of the productive capabilities of Mexico: Economic complexity analysis for the development of special economic zones (SEZ). The International Trade Journal, 35(1), 4-18.
Guevara, M. R., Hartmann, D., Aristarán, M., Mendoza, M., & Hidalgo, C. A. (2016). The research space: using career paths to predict the evolution of the research output of individuals, institutions, and nations. Scientometrics, 109, 1695-1709.
Hartman, G., & O’Hara, D. T. (2004). The Geoffrey Hartman Reader. Edinburgh University Press.
Hartmann, D., Guevara, M. R., Jara-Figueroa, C., Aristarán, M., & Hidalgo, C. A. (2017). Linking economic complexity, institutions, and income inequality. World development, 93, 75-93.
Hartmann, D., Guevara, M. R., Jara-Figueroa, C., Aristarán, M., & Hidalgo, C. A. (2017). Linking economic complexity, institutions, and income inequality. World development, 93, 75-93.
Hartmann, M., Poletti, D., Ivanchenko, M., Denisov, S., & Hänggi, P. (2017). Asymptotic Floquet states of open quantum systems: the role of interaction. New Journal of Physics, 19(8), 083011.
Hausmann, R., & Chauvin, J. (2015). Moving to the adjacent possible: Discovering paths for export diversification in Rwanda. CID Working Paper Series.
Hausmann, R., Goldstein, P., Grisanti, A., O'Brien, T., Tapia, J. A., & Santos, M. A. (2020). A roadmap for investment promotion and export diversification: The case for Jordan. CID Working Paper Series.
Hausmann, R., Goldstein, P., Grisanti, A., O'Brien, T., Tapia, J. A., & Santos, M. A. (2020). A roadmap for investment promotion and export diversification: The case for Jordan. CID Working Paper Series.
Hausmann, R., Hidalgo, C. A., Bustos, S., Coscia, M., Chung, S., Jimenez, J., ... & Yıldırım, M. A. Kapak tasarımı: Türkiye’nin “Ürün Uzayı “(2008).
Hidalgo, C. A., & Hausmann, R. (2009). The building blocks of economic complexity. Proceedings of the national academy of sciences, 106(26), 10570-10575.
Hidalgo, C. A., Klinger, B., Barabási, A. L., & Hausmann, R. (2007). The product space conditions the development of nations. Science, 317(5837), 482-487.
Jun, B., Alshamsi, A., Gao, J., & Hidalgo, C. A. (2017). Relatedness, knowledge diffusion, and the evolution of bilateral trade. arXiv preprint arXiv:1709.05392.
Khosravi, A & Sultan Panah, H. (2022). Application of economic complexity theory in industrial policy making. Quarterly Journal of Strategic Management in Industrial Systems (formerly Industrial Management), 16(58), 216-227.
Khosravi, A., Daei-Karimzadeh, S., Shahmoradi, B., & Soltanpanah, H. (2020). Optimizing the Export Diversification Strategy of Iran's Chemical Products Using Product Spaces and Economic Complexity Theories. Iranian Journal of Economic Studies, 9(2), 595-621.
Rahimiaghdam, S., Sanoubar, N., & Haghverdizadeh, A. (2020). Explaining a Model for Obtaining Sustainable Competitive Advantage Based on Talent Management Strategy in Insurance Industry. Commercial Surveys, 17(99), 104-116.
Rajabi Farjad, H., Tootian Isfahani, S., & Sabet, M. (2019). The impact of blue ocean strategy on the competitive advantage of an insurance companies (Case study: An insurance company). Iranian Journal of Insurance Research, 8(4), 79-115.
Rostamzadeh, P., & Yadegar, Z. (2023). The position of the insurance industry in the Iranian stock market: a network theory approach. Iranian Journal of Insurance Research, 12(1), 1-14.
Sezai, A. (2020). Evolution of the product space and a new proposal for Turkeys export incentive system. Turkey: Presidency of Strategy and Budget.
Spillers, H., Hartman, S., Griffin, F. J., Eversley, S., & Morgan, J. L. (2007). " Whatcha gonna do?": Revisiting" mama's baby, papa's maybe: An American grammar book": A conversation with Hortense Spillers, Saidiya Hartman, Farah Jasmine Griffin, Shelly Eversley, & Jennifer L. Morgan. Women's Studies Quarterly, 35(1/2), 299-309.
Waniek, M., Elbassioni, K., Pinheiro, F. L., Hidalgo, C. A., & Alshamsi, A. (2020). Computational aspects of optimal strategic network diffusion. Theoretical Computer Science, 814, 153-168.
Weiwei, L. (2021). Analysis of Ansoff Growth Strategy: a Case of Chinese Yunnan Baiyao Company. Industrial Engineering and Innovation Management, 4(2), 1-6.
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