Hayat Dışı Sigorta Talebini Belirleyen Kurumsal ve Demografik Faktörler. Panel Veri Analizi ile Seçilmiş Ülkelerden Kanıtlar

Year 2025, Volume: 9 Issue: 3, 1413 - 1431, 25.08.2025

İsabet Ebru Yazıcıoğlu

https://doi.org/10.25295/fsecon.1614259

Abstract

Bu çalışma, seçili OECD ülkelerinde hayat dışı sigorta talebinin kurumsal ve demografik belirleyicilerini araştırmaktadır. Çalışmanın veri seti olarak, 2011-2021 döneminin 20 ülkeyi kapsayan ve yıllık olarak belirlenen panel verileri kullanılmıştır. Bu kapsamda, hayat dışı sigorta talebini etkileyebilecek kurumsal ve demografik faktörlerin (yolsuzluğun kontrolü, siyasi istikrar endeksi, hukukun üstünlüğü endeksi, kentsel nüfus oranı, bağımlılık oranı, eğitim oranı) belirlenmesi amaçlanmıştır. Tahminler için klasik panel analiz yöntemi uygun olmuş ve Arellano, Froot ve Rogers Tahmincisiyle model tahmin edilmiştir. Bu yönüyle çalışma, sigorta talebi literatürünü kurumsal ve demografik belirleyiciler yönünden zenginleştirmeyi amaçlamaktadır. Elde edilen bulgular, hedef ülkelerde kurumsal göstergelerden olan hukukun üstülüğünün hayat dışı sigorta talebini negatif yönde etkilediğini göstermiştir. Ayrıca demografik değişkenlerden kentsel nüfus ve eğitim düzeyinin taleple olumlu ilişkide olduğu tespit edilmiştir. Bağımlılık oranının ise taleple anlamlı ancak negatif ilişkide olduğu sonucuna varılmıştır. Ayrıca çalışma, sigorta üretimi belirli bir rakamın üzerinde olan ülkeler için hayat dışı sigorta sektörünün gelişimine dair bazı politika çıkarımları sunmaktadır.

Keywords

Sigorta , Sigortacılık , Sigorta Talebi

Institutional and Demographic Factors Determining Non-Life Insurance Demand, Evidence from Selected Countries with a Panel Data Analysis

Abstract

This study examines the institutional and demographic factors influencing non-life insurance demand in selected OECD countries. The study's data set consists of annual panel data covering 20 countries for the period 2011-2021. In this context, the aim is to identify institutional and demographic factors (control of corruption, political stability index, rule of law index, urban population ratio, dependency ratio, and education ratio) that may affect the demand for non-life insurance. The classical panel analysis method was appropriate for the estimations and the model was estimated with the Arellano, Froot, and Rogers Estimator. In this respect, the study aims to enrich the insurance demand literature in terms of institutional and demographic determinants. The findings suggest that the rule of law, one of the institutional indicators, has a negative impact on the demand for non-life insurance in the target countries. Moreover, among demographic variables, urban population and education level are positively related to demand. The dependency ratio, on the other hand, has a significant but negative relationship with demand. The study also provides some policy implications for the development of the non-life insurance sector for countries with insurance production above a certain level.

Keywords

Insurance , Insurance Demand , Risk Transfer

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