Author name:
رشا هيثم عبد الخالق القيم
Supervisor name:
حمزة فائق وهيب الزبيدي
Abstract:
The presence of the insurance market and sophisticated sound is an essential element of any successful economy, and can demonstrate it by looking at the economies of many developed countries around the world, and the lack of looking to the importance of insurance at the same level, which obtained by other financial institutions (such as banks) does not mean low real importance to the insurance industry, there is a strong correlation between the insurance market and the development of industry and commerce and the rest of other economic activities.In spite of the importance of the insurance industry in the protection of individuals and institutions, but they were not far from tampering by criminals, they were still wide field of what is known crimes of fraud, in various ways and forms, which made her a victim of fraud incur outcome of significant financial losses, despite of many of the precautions taken, but the crook who is trying to defraud insurance companies will always be in an advanced position in thinking about how to get the gains and spoils through illegal ways or other patterns to defraud insurance companies.There is no doubt that the increase in fraud, especially in the field of maritime insurance reflect weakness and lack of experience in anti - fraud measures, and immunization and prevention of these crimes requires more research and study by the authorities and specialized scientific institutions.Hence the idea of the preparation of this research to reach a number of theoretical and practical conclusions namely : due to the fact that water bodies (rivers, seas, oceans) usually shared by more than one country, maritime fraud has turned into an international phenomenon of cross - border. And because of the breadth of international business and economic openness between the countries of the world in the according to the requirements of globalization and the World Trade Organization and technological development in the world ofcommunication... All this led to the development and spread of maritime fraud, as well as the maritime commercial activity differentiate in multi - jurisdiction, which gives scammers ports and multiple opportunities to practice their actions fraudulent, and also the large number of parties involved in such business process leads to encourage fraud, in addition of the absence of cooperation between insurance companies local, Arab and international in exchange of information about fraudulent precedents.The existence of an insurance market and sophisticated sound is an essential element of any successful economy, and can demonstrate this by looking at the economics of a number of the developed world, there is a strong correlation between the insurance market and the development of industry and commerce and the rest of other economic activities.In spite of the importance of the insurance industry in the protection of individuals and institutions, but they were not far from tampering by criminals, and a victim of fraud incur result in large financial losses despite the presence of a number of precautions taken, hence the idea of preparing this search to lay hands on the most prominent problems that exist in the insurance market, processed and represented by : - How to address the phenomenon of maritime fraud on the Iraqi insurance companies? - What are the treatments of maritime fraud case? - How can that affect the maritime fraud in the insurance industry? - How can protect insurance companies to pay undeserved compensation to the perpetrators of crimes Maritime Fraud? - Does the lack of awareness and expertise in international trade by insurance companies in the growing incidence of maritime fraud?As has been reached a number of theoretical and practical conclusions, namely : because of the fact that water bodies (rivers, seas, oceans) usually involving more than one country, it has turned into a phenomenon Maritime Fraud international cross - borders. And because of the breadth of activity of international trade and economic openness between the countries of the world due to the requirements of globalization and the World Trade Organization and development of technological in the world of communication .. All this has led to developed of maritime fraud and spread, as well as featuring commercial activity at sea multi - jurisdiction, something which gives the scammers outlets and multiple opportunities to practice their actions fraudulent, and also the large number of parties involved in the process, leading to the promotion of commercial fraud, as well as a lack of cooperation between insurance companies, local, Arab and international exchange of information about fraudulent precedents.As has been reached a number of recommendations, namely : the insurance companies and the Iraqi judicial authorities to develop ways and means to control and related legal sanctions commensurate with the development of methods of maritime fraud.It is necessary to activate the coordination and cooperation between insurance companies, local, Arab and international with each other through conferences, seminars and meetings, consultation and exchange of experiences and expertise. As well as the creation of a database and information system that included an interview with him all cases of fraud at the firm level and at the local level and international level.As well as the need for an archiving and data bank joint venture between insurance companies , local, Arab and international, previous fraud cases for the purpose of sensor used in the early frauds and the expected narrowing ofopportunities for fraudsters . It should also activate the coordination between the insurance companies and research centers, universities and institutes, for the purpose of increasing research and studies and special releases to clarify the methods used in the maritime fraud and ways to combat it.
