Sigorta sektörünün finansal yapısı ve bu yapıya bağlı olarak gelecekteki performansı
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Date
2014
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İstanbul Beykent Üniversitesi
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info:eu-repo/semantics/openAccess
Abstract
Sigorta sektörü, uzun vadeli fon oluşturarak ekonomide sermaye birikiminin gelişmesine katkıda bulunan ve ekonomik kalkınmaya destek sağlayan, finans sektörünün en önemli parçalarından biridir. Sigorta şirketleri belirli primler karşılığında sigortalılarının gelecekte karşılaşabilecekleri maddi hasarları ödemeyi taahhüt ederler. Riskle karşı karşıya bulunan kişiler, riskin gerçekleşmesi halinde zararları birlikte gidermek amacıyla bu sisteme dahil olurlar. Bu sistemin sağlıklı olarak işlemesi için sigorta şirketleri de yapılan sözleşmelerle yerine getirmeyi taahhüt ettikleri yükümlülükleri karşılamak zorundadırlar. Sigorta şirketlerinin yapılan sözleşmelerden doğan yükümlülüklerini yerine getirebilmeleri için güçlü bir finansal yapıya sahip olmaları gerekir. Olağanüstü risklerin meydana gelmesi durumunda dahi zamanında ve sözleşme şartlarına uygun, hasar ödemeleri de ancak finansal yapıları güçlü sigorta şirketleri tarafından yapılabilmektedir. Çalışmada İMKB'de işlem gören altı sigorta şirketinin 2009-2013 tarihlerine ait finansal tabloları kullanılarak finansal performansları analiz edilmiştir. Sigorta şirketlerinin finansal performanslarını tespit edebilmek amacıyla elde edilen temel finansal büyüklükler ve göstergeler yorumlanarak sektör ile ilgili geleceğe yönelik önerilere yer verilmiştir.
The insurance industry, creating long-term funds in the economy contributing to the development of capital accumulation and economic development, providing support is one of the most important parts of the financial sector. Insurance companies may face in the future certain insurance premiums in return undertake to pay for property damage. The people at risk, the risk of damage if you happen to go together in order to be included in this system. This system for reliable operation with insurance companies also to fulfill the contract must meet the obligations they have undertaken. Obligations arising from the contract of insurance companies to fulfill need to have a strong financial structure. Even if the risk of the occurrence of an extraordinary time and in accordance with the contract terms, claims payments, but also strong financial structure can be made by insurance companies. Financial performance using financial statements of the six insurance companies traded in the dates 2009-2013 were analyzed in this study. Basic financial figures obtained in order to determine the financial performance of insurance companies and indicators is devoted to recommendations for future actions related to the interpretation sector.
The insurance industry, creating long-term funds in the economy contributing to the development of capital accumulation and economic development, providing support is one of the most important parts of the financial sector. Insurance companies may face in the future certain insurance premiums in return undertake to pay for property damage. The people at risk, the risk of damage if you happen to go together in order to be included in this system. This system for reliable operation with insurance companies also to fulfill the contract must meet the obligations they have undertaken. Obligations arising from the contract of insurance companies to fulfill need to have a strong financial structure. Even if the risk of the occurrence of an extraordinary time and in accordance with the contract terms, claims payments, but also strong financial structure can be made by insurance companies. Financial performance using financial statements of the six insurance companies traded in the dates 2009-2013 were analyzed in this study. Basic financial figures obtained in order to determine the financial performance of insurance companies and indicators is devoted to recommendations for future actions related to the interpretation sector.
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Keywords
Sigortacılık, Insurance
