Türkiye’de Bankasürans Uygulamaları ve Türk Banka ve Sigorta Sektörlerine Dinamik Etkileri

Year 2014, Volume: 8 Issue: 1, 35 - 62, 01.06.2014

Necla Tunay

Abstract

Bankasürans uygulamaları tüm dünyada hızla gelişmektedir. Ülkemizde de durum bundan farklı değildir. Bankasüransın bankaların karlılıklarını, sigorta şirketlerinin ise hem prim üretimlerini hem de karlılıklarını arttırdığı ifade edilmesine karşın, buna dair somut bilimsel bulgular elde yoktur. Bu çalışmada, bankasüransın Türkiye’de faaliyet gösteren banka ve sigorta şirketlerinin performanslarına olan etkileri deneysel olarak araştırılmıştır. Dinamik panel veri tekniklerinin kullanıldığı ekonometrik analizin sonuçları, Türkiye’deki bankasürans uygulamalarının bankaların ve sigorta şirketlerinin karlılıklarını arttırdığı yönündedir

Keywords

Banka, Sigorta, Bankasürans, Dinamik Panel Veri

Bancassurance Applications in Turkey and its Dynamic Effects of Turkish Banking and Insurance Sectors

Abstract

Bancassurance Applications in Turkey and its Dynamic Effects of Turkish Banking and Insurance SectorsBancassurance applications is developing rapidly all over the world. The situation is no different in Turkey. Although bancassurance is expressed that increase premiums and profitability of insurance companies and also increase profitability of banks, there is no concrete scientific findings on it. In this study, was investigated empirically the effects bancassurance on the profitability of banks and insurance companies currently operating in Turkey. The results of the econometric analysis using dynamic panel data techniques show bancassurance practices increase profitability of both insurance companies and banks in Turkey

Keywords

Banka, Insurance, Bancassurance, Dynamic Panel Data

References

• 1. Arellano, M. (2005). Panel Data Econometrics: Advanced Texts in Econometrics. Oxford: Oxford University Press.
• 2. Arrellano, M. ve Bond, S. (1991). Some Tests of Specification for Panel Data: Monte Carlo Evidence and an Application to Unemployment Equations, Review of Economic Studies, 58: 277-297.
• 3. Arellano, M. ve Bover, O. (1995). Another Look at the Instrumental Variable Estimation of Error-Components Models, Journal of Econometrics, 68(1): 29- 51.
• 4. Artikis, P.G., Mutenga, S. ve Staikouras, S.K. (2008). A Practical Approach to Blend Insurance in the Banking Network. The Journal of Risk Finance, 9(2): 106-124.
• 5. Baltagi, B.H. (2002). Econometric Analysis of Panel Data, Second Edition, Chichester: John Wiley and Sons.
• 6. Binet, G. (2012). Bancassurance: Past and Current Trends, Bancassurance - quo vadis? IVth Bancassurance Congress, Warsaw, October 25th 2012.
• 7. Blundell, R. ve Bond, S. (1998). Initial Conditions and Moment Restrictions in Dynamic Panel Data Models. Journal of Econometrics. 87(1), 115-143.
• 8. Blundell, R. ve Bond, S. (2000). GMM Estimation with Persistent Panel Data: An Application to Production Functions, Econometric Reviews, 19(3): 321- 340.
• 9. Bond, S. (2009), Dynamic Panel Data Models: A Guide to Micro Data Methods and Practice, CEMMAP Working Papers, No: CWP09/02, April.
• 10. Boyer, M.M. ve Nyce, C.M. (2002). Banks as Insurance Referral Agents? The Converge of Financial Services: Evidence from the Title Insurance Industry, CIRANO Scientific Series, No: 2002s-78, September.
• 11. Chen, Z. ve Tan, J. (2011). Does Bancassurance Add Value for Banks? Evidence from Mergers and Acquisitions Between European Banks and Insurance Companies. Research in International Business and Finance, 25(1): 104-112.
• 12. Chevalier, M. – Launay, C. ve MaInguy, B. (2005). Bancassurance: Analysis of Bancassurance and Its Status Around the World, Focus, October, France: SCOR VIE.
• 13. Cooper, J. ve Lee, A. (2013). Success in Bancassurance – The Message from 24,000 Customers, The Bancassurance Bulletin, No:1, January-May, U.K.: Ernst & Young.
• 14. Dougherty, C. (2007). Introduction to Econometrics. Third Edition, Oxford: Oxford University Press.
• 15. Greene, W.H. ve Segal, D. (2004). Profitability and Efficiency in the U.S. Life Insurance Industry, Journal of Productivity Analysis, 21: 229-247.
• 16. Greene, W.H. (2003). Econometric Analysis. 5th. Edition, Upper Saddle River: Prentice Hall.
• 17. Kalotychou, E. ve Staikouras, S.K. (2007). De Facto Versus De Jure BankInsurance Ventures in the Greek Market, The Geneva Papers on Risk and Insurance, 32: 246-263.
• 18. Karunagaran, A. (2006). Bancassurance: A Feasible Strategy for Banks in India? Reserve Bank of India Occasional Papers, 27(3): 125-162.
• 19. Kirui, D.K. (2012). Bancassurance: A Perspective. East Africa Re.
• 20. Merikas, A. ve Staikouras, S.K. (2008). The Greek Bank-Insurance Model: A Look At A Not-So-New Corporate Structure, European Research Studies Journal, 11(3): 25-34.
• 21. Mileva, E. (2007). Using Arellano-Bond Dynamic Panel GMM Estimators in Stata: Tutorial eith Examples using Stata 9.0, Fordham University, July.
• 22. Pask, A. (2003). Bancassurance: Details Measure Its Success in Various Countries, Society of Actuaries, News Direct Newsletter. May, No: 43, 8-42.
• 23. Sinha, T. (2005), Bancassurance in India: Who Is Tying the Knot and Why, Actuarial Research Conference - August 2005, Mexico City.
• 24. Staikouras, S.K. (2009). An Event Study Analysis of International Ventures Between Banks and Insurance Firms, Journal of International Financial Markets, Institutions and Money, 19(4): 675-691.
• 25. VIolaris, Y. (2001). Bancassurance in Practice, Munich Re Group, München – Germany.
• 26. Woolridge, J. (2002). Econometric Analysis of Cross-Section and Panel Data, Cambridge-Mass.:MIT Press.
• 27. Yafee, R. (2003). A Primer for Panel Data Analysis, Connect: Information Technology at NYU, Fall, 1-11.