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Banka sigortacılığı anlamına gelen bankasürans, sigorta şirketleri ile bankaların sigorta ürünlerini pazarlama ve satış süreçlerinde birlikte faaliyet göstermeleri şeklinde tanımlanabilir. Ülkemizde de bankasürans faaliyetleri sigorta şirketlerinin önemli bir satış kanalı haline gelmiştir. Çalışmanın amacı bankasürans uygulamalarının BİST sigorta şirketlerinin prim üretimi ve teknik kârlılıkları üzerindeki etkisini incelemektir. Çalışmada BİST Sigortacılık Endeksi’nde yer alan 6 şirketten, verileri düzenli olarak temin edilebilmiş 5 sigorta şirketine ait veriler kullanılmıştır. Veriler arasındaki eşbütünleşme ilişkilerinin tespit edilebilmesi amacıyla Pedroni Cointegration testi, nedensellik ilişkilerinin tespit edilebilmesi amacıyla Granger Causality testi uygulanmıştır. Gerçekleştirilen analizler sonucunda, bankasürans oranları ile BİST sigorta şirketlerinin prim üretimi ile teknik kârlılık oranları arasında nedensellik ilişkilerinin bulunduğu görülmüştür.
Bancassurance, meaning bank insurance, can be described as the co-operation of banks and insurance firms in marketing and sales processes for insurance products. Bancassurance processes have become an important sales channel in our country. The main goal of this study is to analyze the effect of bankassurance process on insurance premiums and technical profits of BIST insurance firms. In this study, the data belonging to 5 of 6 insurance firms which are traded in BIST Insurance Index and data of which completely can be procured, were used. Pedroni Cointegration test was performed to determine cointegration relationships between the data. After that process, the Granger Causality Test was performed to determine causality relationships between the data. As a result of analyses, causality relationships from bankassurance ratio to insurance premiums ratio and technical profits ratio were found.
Bancassurance, meaning bank insurance, can be described as the co-operation of banks and insurance firms in marketing and sales processes for insurance products. Bancassurance processes have become an important sales channel in our country. The main goal of this study is to analyse the effect of bancassurance process on insurance premiums and technical profits of BIST insurance firms. In this study, the data, belong to 5 of 6 insurance firms which are traded in BIST Insurance Index and data of which completely can be procured, were used. Pedroni Cointegration test was performed to determine cointegration relationships between the data. After that process, Granger Causality Test was performed to determine causality relationships between the data. As a result of analyses, causality relationships from bancassurance ratio to insurance premiums ratio and technical profits ratio were found.
Alan : Sosyal, Beşeri ve İdari Bilimler
Dergi Türü : Uluslararası
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