Purpose

The purpose of this paper is to determine and lay out the variables that influence countries to carry out regulatory modernisation of the regulation of the principle of good faith in insurance so as to ensure standardisation of its application and to reduce regulatory asymmetries and uncertainties in the handling of this requirement, given the fast pace of changes in the current ecosystem. Moreover, the authors show whether these variables differ, given the different demographic factors of the respondents participating in this research.

Design/methodology/approach

To collect the research data, which consisted of 1,794 valid responses, the authors administered a purposely built survey, which they designed after carrying out and extensive literature search, which yielded 3,248 valid records and resulted in the inclusion of 27 research articles through a scoping review after considering inclusion/exclusion criteria (i.e. the Preferred Reporting Items for Systematic Reviews and Meta-Analysis) search strategy. The authors carried this survey between September 2019 and June 2020 using the social network, verbal and online communication systems. The survey was addressed to persons within insurance associations, professional members, persons within large corporates in the insurance industry and selected experts in the field who were purposely selected based on the work experience held, roles occupied in the industry, qualifications attained and area of expertise. The quantitative data was analysed using statistical tools, specifically descriptive statistics, exploratory factor analysis, Cronbach’s alpha and multiple linear regression. The qualitative data obtained was analysed using the thematic approach.

Findings

The authors found that four variables determine the need for modernisation of the principle of utmost good faith requirement, specifically institutional stakeholders and the political-legal framework; the market, consumer influence and the socio-economic environment; socio-technological environment and insurance practice; and international business. Moreover, the authors found that these variables hold relationships with some demographic variables and differ with age, gender, level of education and occupation in a variety of ways.

Practical implications

The statements grouped under the themes determined as influencing factor variables for the need for modernisation of the principle of utmost good faith, can be used by stakeholders such as policymakers and reformists within countries as a measure to determine whether this regulatory requirement is in need of modernisation or it can be used as a model for determining modernisation of other regulations or for the development of other similar models. Moreover, scholars may use this model for other sectors and other regulatory frameworks in different jurisdictions.

Originality/value

Although, the authors have noted several articles about modernisation carried out on regulations, to the best of their knowledge, they have not encountered articles that capture the influencing factor variables for the need for modernisation of the principle of utmost good faith under a group of themes.

中文翻译：

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确定最大诚信原则监管现代化必要性的模型

目的

本文的目的是确定和布局影响各国对保险诚信原则监管进行监管现代化的变量，以确保其应用的标准化，减少监管的不对称和不确定性。考虑到当前生态系统的快速变化，这一要求。此外，鉴于参与本研究的受访者的人口统计因素不同，作者还展示了这些变量是否不同。

设计/方法/方法

为了收集由 1,794 份有效回复组成的研究数据，作者进行了一项专门构建的调查，他们在进行广泛的文献检索后设计了该调查，产生了 3,248 条有效记录，并通过范围审查纳入了 27 篇研究文章在考虑纳入/排除标准（即系统评价和元分析的首选报告项目）搜索策略之后。作者在 2019 年 9 月至 2020 年 6 月期间使用社交网络、口头和在线交流系统进行了这项调查。调查对象为保险协会人员、专业会员、保险行业大型企业人员以及根据工作经验特意选择的该领域专家，在行业中担任的角色、获得的资格和专业领域。使用统计工具分析定量数据，特别是描述性统计、探索性因素分析、Cronbach's alpha 和多元线性回归。使用专题方法分析获得的定性数据。

发现

作者发现，四个变量决定了最大诚信原则要求现代化的必要性，特别是机构利益相关者和政治法律框架；市场、消费者影响和社会经济环境；社会技术环境和保险实践；和国际业务。此外，作者发现这些变量与一些人口统计变量存在关系，并以多种方式因年龄、性别、教育水平和职业而异。

实际影响

在确定为最大诚信原则现代化需要的影响因素变量的主题下分组的陈述可以被利益相关者（例如国家内的政策制定者和改革者）用作确定该监管要求是否需要现代化的措施或者它可以用作确定其他法规现代化或开发其他类似模型的模型。此外，学者可能会将这种模型用于不同司法管辖区的其他部门和其他监管框架。

原创性/价值

尽管作者注意到了几篇关于法规现代化的文章，但据他们所知，他们还没有遇到过在一组主题下捕捉最大诚信原则现代化需要的影响因素变量的文章.