مطالعات قبلی بازار بیمه را به صورت کلی در نظر می گرفتند اما در این مطالعه صنعت بیمه به عنوان متغیر مستفل به بیمه های زندگی و غیر زندگی شکسته شده و هم چنین بیمه های زندگی به رشته های مختلف بیمه ای که در بازار بیمه ایران سهم قابل توجهی دارند تقسیم میشود. با استفاده از روشهای اقتصاد سنجی داده های برای دوره های 48-89 از مراکز ملی داده جمع آوری شد سپس با تخمین مدل خود بازگشتی برداری همراه با تعدادی ...

peace and national security protection and ironic solving of international conflicts become the preliminary foundation of the united nations charter and had been considered as the main responsibilities of the security council, after world war ii and the establishment of united nations organization. therefore, the security council enables to analyze every kind of conflicts and challenges which ...

due to extraordinary large amount of information and daily sharp increasing claimant for ui benefits and because of serious constraint of financial barriers, the importance of handling fraud detection in order to discover, control and predict fraudulent claims is inevitable. we use the most appropriate data mining methodology, methods, techniques and tools to extract knowledge or insights from ...

abstract i the purpose of this study was to launch a thorough investigation concerning the possibility of differing orientations to the writing proficiency construct by native and non-native english speaking teacher raters. it mainly revolved around the international english language testing system (ielts) that is widely administered and employed as a measure of general proficiency in englis...

the following null hypothesis was proposed: h : there is no significant difference between the use of semantically or communicatively translates scientific texts. to test the null hypothesis, a number of procedures were taken first, two passages were selected form soyrcebooks of food and nutrition industry and gardening deciplines. each, in turn, was following by a number of comprehension quest...

this study was conducted to investigate the impact of podcasts as a learning and teaching tool on iranian efl learners’ motivation for listening as well as on their listening comprehension ability. the study also investigated the learners’ perception towards listening to podcasts and examined whether the learners were likely to accept podcasts. out of fifty-five intermediate learners studying e...

چکیده : آرای صادره از دادگاه ها علاوه بر شیوه های عادی از طریق فوق العاده نیز قابل اعتراض و رسیدگی مجدد هستند. در مواقعی که رای دادگاه مخل به حقوق ثالث باشد وی می تواند به ان اعتراض کند. قلمرو شمول اعتراض ثالث به تصمیمات قضایی که از آن به رای تعبیر شده محدود می گردد. ولی در مورد قرارها که به اعدادی و نهایی تفکیک می شوند، چون هیچ رویه ثابت و مشخصی در این زمینه در دادگاهها وجود نداشته و همچنین ا...

the methods which are used to analyze microstrip antennas, are divited into three categories: empirical methods, semi-empirical methods and full-wave analysis. empirical and semi-empirical methods are generally based on some fundamental simplifying assumptions about quality of surface current distribution and substrate thickness. thses simplificatioms cause low accuracy in field evaluation. ful...