An Examination of the Effect of Premium Production on GDP in the Turkish Insurance Sector by Regression Method

Serap Yörübulut

Makale detayları

An Examination of the Effect of Premium Production on GDP in the Turkish Insurance Sector by Regression Method

Yazarlar:

Serap Yörübulut

Yayıncı:

Ankara Hacı Bayram Veli University

Ana Başlıklar:

Finans ve Yatırım (Diğer)

Dergi:

Ankara Hacı Bayram Veli Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.26 Issue 1, pp.169-188

Belge Tipi:

Makale

Yayın Tarihi:

4/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001315183

pISSN:

2667-405X

Anahtar kelimeler:

Özet:

 The insurance sector is an important sector in the economy with the funds it obtains and the risks it assumes against possible damages. With the development of the economy, the share of the insurance sector is increasing day by day. The most important economic indicator of a country is considered to be GDP. The contribution of the insurance sector to the economy is evaluated by the ratio of premium production to GDP. The higher this ratio is for a country, the higher the contribution of the insurance sector to the countrys economy. In this study, the effect of direct premium production, which is an important variable in the insurance industry in Turkey between 1981 and 2022, on GDP was revealed by regression analysis. Using the resulting estimated model, the premiumGDP ratio was estimated for 2023 and 2024. It has been observed that there has been no major change in the premiumGDP ratio in Turkey for the last few years and the estimated years, and that this ratio has remained in the range of 1.3-1.4. This rate for the world is 7 for 2020 and 7.4 for 2021. It has been observed that Turkeys premiumGDP ratio is quite low when compared to the world. It has been concluded that importance should be given to awareness raising and incentives to increase this rate for the insurance sector, which is an important sector in reducing the burden on the countrys economy in covering the damages that occur as a result of possible risks.

 The insurance sector is an important sector in the economy with the funds it obtains and the risks it assumes against possible damages. With the development of the economy, the share of the insurance sector is increasing day by day. The most important economic indicator of a country is considered to be GDP. The contribution of the insurance sector to the economy is evaluated by the ratio of premium production to GDP. The higher this ratio is for a country, the higher the contribution of the insurance sector to the countrys economy. In this study, the effect of direct premium production, which is an important variable in the insurance industry in Turkey between 1981 and 2022, on GDP was revealed by regression analysis. Using the resulting estimated model, the premiumGDP ratio was estimated for 2023 and 2024. It has been observed that there has been no major change in the premiumGDP ratio in Turkey for the last few years and the estimated years, and that this ratio has remained in the range of 1.3-1.4. This rate for the world is 7 for 2020 and 7.4 for 2021. It has been observed that Turkeys premiumGDP ratio is quite low when compared to the world. It has been concluded that importance should be given to awareness raising and incentives to increase this rate for the insurance sector, which is an important sector in reducing the burden on the countrys economy in covering the damages that occur as a result of possible risks.

 The insurance sector is an important sector in the economy with the funds it obtains and the risks it assumes against possible damages. With the development of the economy, the share of the insurance sector is increasing day by day. The most important economic indicator of a country is considered to be GDP. The contribution of the insurance sector to the economy is evaluated by the ratio of premium production to GDP. The higher this ratio is for a country, the higher the contribution of the insurance sector to the countrys economy. In this study, the effect of direct premium production, which is an important variable in the insurance industry in Turkey between 1981 and 2022, on GDP was revealed by regression analysis. Using the resulting estimated model, the premiumGDP ratio was estimated for 2023 and 2024. It has been observed that there has been no major change in the premiumGDP ratio in Turkey for the last few years and the estimated years, and that this ratio has remained in the range of 1.3-1.4. This rate for the world is 7 for 2020 and 7.4 for 2021. It has been observed that Turkeys premiumGDP ratio is quite low when compared to the world. It has been concluded that importance should be given to awareness raising and incentives to increase this rate for the insurance sector, which is an important sector in reducing the burden on the countrys economy in covering the damages that occur as a result of possible risks.

 Sigorta sektörü, elde ettiği fonlar ve olası hasarlar karşısında üstlendiği riskler ile ekonomide önemli bir yer tutmaktadır. Ekonominin gelişmesiyle sigortacılık sektörünün payı her geçen gün daha da artmaktadır. Bir ülkenin en önemli ekonomik göstergesi GSYH olarak kabul edilmektedir. Sigortacılık sektörünün ekonomiye katkısı ise prim üretiminin GSYHya oranı ile değerlendirilmektedir. Bir ülke için bu oran ne kadar yüksek olursa sigortacılık sektörünün ülke ekonomisine katkısı da o kadar yüksek olmaktadır. Bu çalışmayla Türkiyede 1981-2022 yılları arasındaki sigortacılık sektöründe önemli bir değişken olan direkt prim üretiminin GSYH üzerindeki etkisi regresyon analizi ile ortaya konulmuştur. Elde edilen tahmini model kullanılarak 2023 ve 2024 yılları için primGSYH oranı kestirilmiştir. Türkiyede son birkaç yıl ve kestirilen yıllar için primGSYH oranı üzerinde büyük bir değişiklik olmadığı, bu oranın 1,3-1,4 aralığında seyrettiği gözlenmiştir. Dünya için bu oran 2020 yılında 7 iken 2021 için 7,4 dür. Türkiye primGSYH oranı Dünya ile kıyaslandığında bu oranın oldukça düşük olduğu gözlenmiştir. Olası riskler sonucunda meydana gelen hasarların karşılanmasında ülke ekonomisi üzerindeki yükü azaltmada önemli bir sektör olan sigorta sektörü için bu oranın artırılmasına yönelik yapılacak bilinçlendirme ve teşviklere önem verilmesi gerektiği sonucuna varılmıştır.

Makale detayları

An Examination of the Effect of Premium Production on GDP in the Turkish Insurance Sector by Regression Method

Yazarlar:

Serap Yörübulut

Yayıncı:

Ankara Hacı Bayram Veli University

Ana Başlıklar:

Finans ve Yatırım (Diğer)

Dergi:

Ankara Hacı Bayram Veli Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.26 Issue 1, pp.169-188

Belge Tipi:

Makale

Yayın Tarihi:

4/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001315183

pISSN:

2667-405X

Insurance

Direct Premium Production

Gross Domestic Product (GDP)

RegressionSigorta

Direkt Prim Üretimi

Gayri Safi Yurt İçi Hasıla (GSYH)

Regresyon

Sayı

Makale detayları

Yazarlar: Serap Yörübulut

Yayıncı: Ankara Hacı Bayram Veli University

Ana Başlıklar: Finans ve Yatırım (Diğer)

Dergi: Ankara Hacı Bayram Veli Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.26 Issue 1, pp.169-188

Belge Tipi: Makale

Yayın Tarihi: 4/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001315183

pISSN: 2667-405X

Sayı

Yazarlar:

Serap Yörübulut

Yayıncı:

Ankara Hacı Bayram Veli University

Ana Başlıklar:

Finans ve Yatırım (Diğer)

Dergi:

Ankara Hacı Bayram Veli Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.26 Issue 1, pp.169-188

Belge Tipi:

Makale

Yayın Tarihi:

4/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001315183

pISSN:

2667-405X