tailieunhanh - Trade and development aspects of insurance services and regulatory frameworks

Developing countries’ markets depend extensively (technically and financially) on international services. Reasons for this include (among others) structural, financial and technical constraints, including the small size of markets, under-capitalization of insurance companies and insufficient experience and know-how. Usually, insurance industries there also have a shortage of skilled personnel. There is also a dependence on foreign reinsurance, which has implications for the contribution of the insurance industry to national development, in particular with respect to savings promotion and mobilization. 7 Given that these constraints can significantly affect the shortage of insurance services, more research needs to be done on the supply side. | United Nations Conference on Trade and Development Trade and development aspects of insurance services and regulatory frameworks UNITED NATIONS New York and Geneva 2007 Note The symbols of United Nations documents are composed of capital letters combined with figures. Mention of such a symbol indicates a reference to a United Nations document. The views expressed in this volume are those of the authors and do not necessarily reflect the views of the United Nations Secretariat. The designations employed and the presentation of the material do not imply the expression of any opinion whatsoever on the part of the United Nations Secretariat concerning the legal status of any country territory city or area or of its authorities or concerning the delimitation of its frontiers or boundaries or regarding its economic system or degree of development. Material in this publication may be freely quoted or reprinted but acknowledgement is requested together with a reference to the document number. A copy of the publication containing the quotation or reprint should be sent to the UNCTAD secretariat at Palais des Nations 1211 Geneva 10 Switzerland. All references to dollars in this publication are to United States dollars unless otherwise stated. For further information on the Trade Negotiations and Commercial Diplomacy Branch and its activities please contact Ms. Mina MASHAYEKHI Head Trade Negotiations and Commercial Diplomacy Branch Division of International Trade in Goods and Services and Commodities Tel 41 22 917 56 40 Fax 41 22 917 00 44 E-mail tradenegotiations dispute UNCTAD DITC TNCD 2007 4 ii Foreword As one of the key pillars of the financial services sector the insurance sector is a central element of the trade and development matrix. As both an infrastructural and commercial service a well-functioning insurance sector plays a crucial role in economic development not just at a macro economic level but also in

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