Ekonomik Dalgalanmaların Sigorta Şirketlerinin Pazar Payları ve Prim Üretimleri Üzerindeki Etkileri

Öz

Sigorta şirketlerinin prim üretimlerinin ekonomik döngülerden etkilendiği kabul edilmektedir. Bu nedenle çalışmada hayat ve hayat sigortası şirketlerinin prim üretimleri ile ekonomik dalgalanmalar arasındaki etkileşimler araştırılmıştır. Gelişmiş ve gelişmekte olan 30 ülkeden derlenen bir örneklem kullanılarak Demitrescu-Hurlin nedensellik testlerine dayalı analizler icra edilmiştir. Ulaşılan bulgular sigorta faaliyetlerinin ekonomik faaliyetlerdeki dalgalanmalardan güçlü şekilde etkilendiklerini göstermiştir. Ancak bu etkinin hayat dışı sigortalara oranla hayat sigortası alanında daha sınırlı olduğu saptanmıştır. Hayat dışı sigorta primleri gelir ve satın alma gücündeki değişmelere oldukça duyarlıdır ve ekonominin daralma dönemlerinde düşme eğilimindedir. Bunun sonucu olarak ekonomi daraldığında sigorta şirketlerinin pazar payları da gerilemektedir.   

Anahtar Kelimeler

• Sigorta,Ekonomik Döngüler,Panel Nedensellik Testleri

The Effects of Economic Fluctuations on Market Shares and Premium Products of Insurance Companies

Öz

It is accepted that premium production of insurance companies is affected by economic cycles. Therefore, in this study, the interactions between life and life insurance companies' premium productions and economic fluctuations were investigated. Demitrescu-Hurlin causality tests were conducted using a sample of developed and emerging economies. The findings show that insurance activities are strongly affected by the fluctuations in economic activities. However, this effect was found to be more limited in the field of life insurance than non-life insurance. Non-life insurance premiums are highly sensitive to changes in income and purchasing power and tend to decline during periods of contraction in the economy. As a result, the market share of insurance companies declines when the economy contracts.

Anahtar Kelimeler

• Insurance,Business Cycles,Panel Casuality Tests

Kaynakça

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