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Etkinlik en az maliyet ve çabayla en yüksek çıktıya ulaşabilme sürecidir ve yoğun rekabet koşulları içinde bulunan sigortacılık sektöründe de etkinlik analizleri yapılmaktadır. Bu çalışmada Türk Sigorta Sektöründe hayat dışı branşlarda faaliyet gösteren sigorta şirketlerinin 2002 ve 2018 yıllarındaki benzer girdi ve çıktılar kullanılarak yapılan veri zarflama analizi etkinlik skorları karşılaştırılmıştır. Bu aşamada 2013-2017 yıllarını kapsayan ve Türk Sigorta Sektörü’nün etkinlik analizi başlığını taşıyan tez çalışmasından destek alınmıştır. Araştırmacılar 2002 yılında yine kendi yaptıkları bir araştırmadan yola çıkarak, yakın zamanda yayınlanan 2018 verilerini de dikkate alarak bu çalışmayı oluşturmuşlardır. 2002 yılında hayat dışı alanda faaliyet gösteren şirketlerden sadece 7’sinde herhangi bir değişiklik olmamış diğerlerinde ise, isim veya ortak değişikliği, iflas ve TMSF’ ye devirler söz konusu olmuştur. Sigortalı olarak hayat dışı branşlarda 16 yıl boyunca poliçeleri aynı şirketle yaptırabilme olasılığı oldukça düşüktür. 2018 yılında analize dahil edilen 37 sigorta şirketinin etkin olanlarının sayısı 7’de kalmıştır. Bu sonuçlara göre, sektör pazar payının büyük çoğunluğunu elinde bulunduran görece daha büyük ölçeğe sahip olan sigorta şirketleri, kendinden daha küçük ölçekte hizmet sunan sigorta şirketlerine göre etkinsiz olarak gözlenmiştir. İncelenen 2013-2018 döneminde, en düşük etkinlik skorları 2016 yılında yaşanmış, 2017 yılında yükselmesine rağmen 2018 yılında tekrar etkinlik düşüşleri görülmüştür. Genelde Türk sigorta sektörü özelde ise hayat-dışı branşlarda bulunan sigorta şirketleri için 2019 ve sonrası oldukça önemlidir.
The activity is the process of achieving the highest output with the lowest cost and effort, and the activity analysis is also carried out in the insurance sector under intense competition conditions. This study compared the data coverage analysis performance scores of insurance companies operating in non-life branches in the Turkish Insurance Sector with similar input and output in 2002 and 2018. This phase was supported by the thesis work covering the years 2013-2017 and the Turkish Insurance Sector’s activity analysis title. The researchers created the study again in 2002 based on their own research, taking into account the recent 2018 data. In 2002, only 7 of the companies that operated in the non-life sector did not change any other, but the name or partnership changes, bankruptcy and transfers to TMSF were concerned. The chance of being insured in non-life branches for 16 years is quite low with the same company. In 2018, the number of active insurance companies included in the analysis remained 7. According to these findings, insurance companies that have a relatively larger scale, which hold a large majority of the market share in the sector, were observed ineffective compared to insurance companies that offer services in a smaller scale than themselves. During the reviewed period 2013-2018, the lowest performance scores were in 2016 and, despite rising in 2017, the activity declines were seen again in 2018. Usually the Turkish insurance sector is very important for insurance companies located in non-life branches in 2019 and afterwards.
Efficiency is the process of achieving the highest output with minimum cost and effort, and efficiency analysis have been made in the insurance industry which is in highly competitive circumstances. In this study, efficiency scores of data envelopment analysis of the insurance companies operating in non-life branches in Turkish Insurance Industry, which were formed to be used similar inputs and outputs in 2002 and 2018 were compared. At this stage, it was received support from the thesis covering 2013-2017 and entitled efficiency analysis of Turkish Insurance Industry. Researchers formed this study based on their research in 2002 and by taking into account the data of 2018, which have recently been published. In 2002, only 7 of the non-life companies did not make any changes; in others, change of name or joint of companies, bankruptcy, and transfers to the SDIF are a matter of discussion. It is very unlikely that the insured will be able to issue a policy with the same company in non-life branches for 16 years. The number of efficient ones of 37 insurance companies which were included in the analysis in 2018 remained at 7. According to these results, the insurance companies which hold the majority of the market share in the industry and have a relatively large scale, have been observed to be ineffective than the insurance companies which provide services at a smaller scale. In 2013-2018 periods, the lowest efficiency scores were experienced in 2016, and despite the increase in 2017, there was a decrease in efficiency again in 2018. 2019 and beyond are very important for insurance companies in the Turkish insurance Industry in general and in non-life branches in particular.
Alan : Sosyal, Beşeri ve İdari Bilimler
Dergi Türü : Uluslararası
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