Türkiye ekonomisinde sigortacılık sektörünün gelişim süreci
Küçük Resim Yok
Tarih
2006
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Niğde Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Sigorta sektöründe gerçeklestirilen faaliyetler, tüm dünyada ekonomik gelismeye paralel bir seyir izlemektedir. Bu noktadan hareketle sigortacılık sektörünün boyutu, ekonomik gelismenin önemli bir göstergesi olarak kabul edilmektedir. Bu çalısmada, ekonomilerin sürükleyici gücü ve gelismislik derecesinin göstergesi olarak kabul edilen sigorta sektörünün Türkiye'deki durumu arastırılmıstır. Türk sigorta sektörünün ekonomik performansı; prim üretimi, kisi basına prim üretimi, kârlılık, hasar prim oranı, verilen primler ve saklama payları göstergelerinin ısıgı altında incelenmistir. Çalısmada son dönemde Avrupa Birligi ile entegrasyon çerçevesinde Türk sigorta sektöründeki yapısal degisime, sektörün gelisimini etkileyen faktörlere ve Avrupa Birligi sigorta sektöründeki yapısal degisime deginilmistir. Bir ülkenin gelismislik düzeyini belirlerken sigortacılık sektörünü de referans almak yanlıs olmayacaktır. Türkiye, ekonomik olarak gelismekte olan bir ülke olmasına ragmen, sigorta sektörünün az gelismisligi çözülmesi gereken önemli bir sorun haline gelmistir. Bu arastırmada, sigortacılık sektörünün Türkiye ekonomisinde oynadıgı rol, Türk toplumunun sigortaya bakısı ve AB ile müzakereler çerçevesinde sektörde yasanan degisim tespit edilmistir. Ayrıca; Türkiye'de sigortacılık sektörünün gösterdigi gelisme gözardı edilemeyecek seviyededir ancak dünya ülkeleriyle karsılastırıldıgında Türk sigorta sektörü rekabet açısından dezavantajlı durumdadır. Sigorta sektörü, ülkemizde yeterince gelisememesi nedeniyle ekonomik islevlerini yerine getirememektedir. Çalısmada Türk sigorta sektörüne iliskin verilerin büyük bölümü, Türkiye Sigorta ve Reasürans Sirketleri Birligi ile Sigorta Denetleme Kurulu'nun yıllık raporlarından alınmıstır.
The actions in insurance sector follow the parallel pattern all over the world. From this point, the range of the insurance sector has been accepted as one of the most important signs of financial development. In this study, the position of insurance sector in Turkey as a sign of financial force and degree of development was investigated. The financial performance of Turkish insurance sector, prim production, prim production per capita, profitability, the rate of damage prim, endowed prim and concealment ration were scrutinized. Due to membership negotiations with the EU, Turkish insurance sectors gained a new dimension. The structural change in the sector within the framework of the integration for EU, the factors which effect development of the sector and the structural change in European sector were explained. It would not be wrong to take up the sector reference while estimating improvement level of a country. Because of insufficient improvement of the insurance sector, the sector could not carry out the economical function in our country. In spite of an economically developing Turkey, undeveloped insurance sector becomes an important problem. In result of this study, role in Turkey economical of insurance sector, insurance views of Turkey society and sector change together with membership negotiations with the EU were determinate. Furthermore, Turkish insurance sector is developing but if it is comparison to other countries, Turkish insurance sector is disadvantage in point of compete. The insurance sector in Turkey is sufficient undeveloped because to economy. The data about Turkish insurance sector was taken from the annual reports of Turkish insurance and reinsurance corporation?s community and insurance control committee.
The actions in insurance sector follow the parallel pattern all over the world. From this point, the range of the insurance sector has been accepted as one of the most important signs of financial development. In this study, the position of insurance sector in Turkey as a sign of financial force and degree of development was investigated. The financial performance of Turkish insurance sector, prim production, prim production per capita, profitability, the rate of damage prim, endowed prim and concealment ration were scrutinized. Due to membership negotiations with the EU, Turkish insurance sectors gained a new dimension. The structural change in the sector within the framework of the integration for EU, the factors which effect development of the sector and the structural change in European sector were explained. It would not be wrong to take up the sector reference while estimating improvement level of a country. Because of insufficient improvement of the insurance sector, the sector could not carry out the economical function in our country. In spite of an economically developing Turkey, undeveloped insurance sector becomes an important problem. In result of this study, role in Turkey economical of insurance sector, insurance views of Turkey society and sector change together with membership negotiations with the EU were determinate. Furthermore, Turkish insurance sector is developing but if it is comparison to other countries, Turkish insurance sector is disadvantage in point of compete. The insurance sector in Turkey is sufficient undeveloped because to economy. The data about Turkish insurance sector was taken from the annual reports of Turkish insurance and reinsurance corporation?s community and insurance control committee.
Açıklama
Sosyal Bilimler Enstitüsü, İktisat Ana Bilim Dalı
Anahtar Kelimeler
Sigortacılık, Insurance
