{"id":43425,"date":"2025-12-22T07:12:05","date_gmt":"2025-12-22T07:12:05","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=43425"},"modified":"2025-12-22T07:12:05","modified_gmt":"2025-12-22T07:12:05","slug":"fitchten-seddk-duzenlemelerine-iliskin-degerlendirme","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2025\/12\/22\/fitchten-seddk-duzenlemelerine-iliskin-degerlendirme\/","title":{"rendered":"Fitch’ten SEDDK d\u00fczenlemelerine ili\u015fkin de\u011ferlendirme"},"content":{"rendered":"

Fitch Ratings, Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumunun (SEDDK) taraf\u0131ndan yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, giri\u015f sermayesinin art\u0131r\u0131lmas\u0131, sermaye yeterlilik izlemeleri, \u00fcretim ve \u00f6z kaynak s\u0131n\u0131rlamalar\u0131 gibi ad\u0131mlar sekt\u00f6r\u00fcn dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 destekliyor.<\/p>\n

Fitch Ratings\u2019in son de\u011ferlendirmesine g\u00f6re, 2025 y\u0131l\u0131nda T\u00fcrkiye\u2019de hayat d\u0131\u015f\u0131 sigorta sekt\u00f6r\u00fcn\u00fcn, iyile\u015fen faaliyet ko\u015fullar\u0131 ve g\u00fc\u00e7lenen fiyatlama disipliniyle pozitif bir ivme yakalamas\u0131 bekleniyor.<\/p>\n

Enflasyondaki gerileme, y\u00fcksek faiz oranlar\u0131 ve d\u00fczenleyici tedbirler, sekt\u00f6r\u00fcn karl\u0131l\u0131k ve finansal dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 desteklerken, ekonomik dalgalanmalar ve zorunlu trafik sigortas\u0131ndaki yap\u0131sal sorunlar ise risk olu\u015fturmaya devam ediyor.<\/p>\n

Fitch Ratings, SEDDK’nin s\u0131k\u0131la\u015ft\u0131r\u0131c\u0131 tedbirlerinin sigorta sekt\u00f6r\u00fcn\u00fc g\u00fc\u00e7lendirdi\u011fini bildirdi.<\/p>\n

Y\u0131ll\u0131k enflasyonun 2024’te y\u00fczde 44’e, 2025’in May\u0131s ay\u0131 sonunda ise y\u00fczde 35’e d\u00fc\u015ferek son 4 y\u0131l\u0131n en d\u00fc\u015f\u00fck seviyesine inmesi, prim \u00fcretimine olumlu yans\u0131d\u0131. 2024 y\u0131l\u0131nda br\u00fct yaz\u0131lan primler y\u00fczde 73 artarken, bu art\u0131\u015fa sa\u011fl\u0131k, motorlu ara\u00e7 ve mal sigortas\u0131 bran\u015flar\u0131 \u00f6nc\u00fcl\u00fck etti.<\/p>\n

\n

Sa\u011fl\u0131k sigortas\u0131nda primler, kamu sa\u011fl\u0131k hizmetlerindeki zay\u0131flaman\u0131n yaratt\u0131\u011f\u0131 talep art\u0131\u015f\u0131yla y\u00fczde 89 y\u00fckseldi. Zorunlu trafik sigortas\u0131nda ise yeni fiyat endeksleme sistemi sayesinde y\u00fczde 86\u2019l\u0131k prim art\u0131\u015f\u0131 sa\u011fland\u0131.<\/p>\n

Teknik k\u00e2rl\u0131l\u0131kta zorlanmalar\u0131n s\u00fcrece\u011fini tahmin ediliyor <\/b><\/p>\n

Do\u011fal afet risklerine y\u00f6nelik artan fark\u0131ndal\u0131k da mal sigortalar\u0131nda b\u00fcy\u00fcmeyi destekledi. Bununla birlikte Fitch 2025 y\u0131l\u0131nda sekt\u00f6r genelinde teknik karl\u0131l\u0131kta zorlanmalar\u0131n s\u00fcrece\u011fini \u00f6ng\u00f6r\u00fcyor.<\/p>\n

Sekt\u00f6r birle\u015fik oran\u0131n\u0131n yakla\u015f\u0131k y\u00fczde 110 seviyesinde ger\u00e7ekle\u015fmesi bekleniyor. Motorlu ara\u00e7 hasar ve mal sigortas\u0131nda karl\u0131l\u0131\u011f\u0131n s\u00fcrmesi \u00f6ng\u00f6r\u00fcl\u00fcrken, sa\u011fl\u0131k sigortas\u0131nda yo\u011fun rekabetin bask\u0131s\u0131 devam edecek ve zorunlu trafik sigortas\u0131 yap\u0131sal sorunlar nedeniyle zarar \u00fcretmeyi s\u00fcrd\u00fcrecek.<\/p>\n

2024\u2019te y\u00fczde 145 seviyesinde ger\u00e7ekle\u015fen zorunlu trafik sigortas\u0131 birle\u015fik oran\u0131, May\u0131s 2024\u2019te y\u00fcr\u00fcrl\u00fc\u011fe giren prim \u00fcst s\u0131n\u0131r\u0131 endeksleme mekanizmas\u0131 ve \u015eubat 2025\u2019teki y\u00fczde 14\u2019l\u00fck tek seferlik prim art\u0131\u015f\u0131yla bir miktar geriledi. Ancak d\u00fczenleyici fiyat tavan\u0131, risk esasl\u0131 fiyatlaman\u0131n \u00f6n\u00fcnde engel olmaya devam ediyor. Fitch, kal\u0131c\u0131 bir karl\u0131l\u0131k iyile\u015fmesi i\u00e7in yap\u0131sal reformlar\u0131n ka\u00e7\u0131n\u0131lmaz oldu\u011fu g\u00f6r\u00fc\u015f\u00fcne sahip bulunuyor.<\/p>\n<\/div>\n

\n

Sekt\u00f6r\u00fcn dayan\u0131kl\u0131l\u0131\u011f\u0131, daha s\u0131k\u0131 sermaye yeterlili\u011fi kurallar\u0131, \u00fc\u00e7 ayl\u0131k mali yeterlilik izleme uygulamas\u0131 ve a\u015f\u0131r\u0131 prim art\u0131\u015f\u0131na getirilen s\u0131n\u0131rlamalarla g\u00fc\u00e7lendirildi. Y\u00fcksek faiz oranlar\u0131n\u0131n da etkisiyle sekt\u00f6r\u00fcn d\u00fczenleyici mali yeterlilik oran\u0131 2023 y\u0131l\u0131 sonunda y\u00fczde 147 iken 2024’\u00fcn ilk yar\u0131s\u0131n\u0131n sonunda y\u00fczde 156’ya y\u00fckseldi.<\/p>\n

SEDDK ve Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK), sekt\u00f6r\u00fcn dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131rmak ve do\u011fal afetlerden sonra h\u0131zl\u0131 tazminat \u00f6denmesini sa\u011flamak amac\u0131yla afet kapsam\u0131n\u0131 daha fazla riski i\u00e7ine alacak \u015fekilde geni\u015fletmek i\u00e7in \u00e7al\u0131\u015fmalar\u0131n\u0131 s\u00fcrd\u00fcr\u00fcyor.<\/p>\n

Fitch\u2019in \u201cTurkish Non-Life Insurance: Gradual Steps to Market Stabilisation\u201d ba\u015fl\u0131kl\u0131 raporunun tamam\u0131na “www.fitchratings.com” adresinden ula\u015f\u0131labiliyor.<\/p>\n<\/div>\n<\/p>\n

<\/p>\n

Kaynak :\u00a0https:\/\/www.bloomberght.com\/fitch-ten-seddk-duzenlemelerine-iliskin-degerlendirme-3755208<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Fitch\u00a0Ratings, Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumunun (SEDDK) s\u0131k\u0131la\u015ft\u0131r\u0131c\u0131 tedbirlerinin sigorta sekt\u00f6r\u00fcn\u00fc g\u00fc\u00e7lendirdi\u011fini bildirdi.<\/p>\n","protected":false},"author":1,"featured_media":43426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[3364,1556,469,498,253],"manset":[],"class_list":["post-43425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-fitch","tag-prim","tag-sektorun","tag-sigorta","tag-yili"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/43425","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/comments?post=43425"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/43425\/revisions"}],"predecessor-version":[{"id":43427,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/43425\/revisions\/43427"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/43426"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=43425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=43425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=43425"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=43425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}