Banka sigortacılığının (bankasürans) yapısal analizi ve bir etkinlik araştırması
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Dosyalar
Tarih
2015
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İstanbul Ticaret Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Banka sigortacılığı (Bankasürans), bankalar tarafından sigorta hizmetlerinin dağıtımı için oluşturulmuş bir sistemdir. Bu finansal bütünleşme, bankalar ve sigorta şirketleri açısından karlı bir anlaşma olarak ifade edilebilir. Bu çalışmada, 2013 yılında banka sigortacılığı dağıtım kanalını kullanan 20 hayat sigortası ve emeklilik şirketinin etkinlikleri Veri Zarflama Analizi ile ölçülmüştür. Sigorta şirketlerinin göreceli etkinlik ölçümünde Girdi ve Çıktı Yönelimli CCR ve BCC Modelleri kullanılarak hesaplanıp ölçülmüştür. 2013 yılında Girdi Yönelimli CCR Modelinde 2 ve BCC Modeline göre 9 şirket etkin bulunmuştur. Çıktı Yönelimli CCR Modelinde ise 2 ve BCC Modelinde 5 şirket etkinlik düzeyine ulaşmaktadır. Kurulan modellerde, ölçek etkinliğinin yüzde 10 olması şirketlerin banka sigortacılığı dağıtım kanalını optimal ölçek büyüklüğünde kullanamadıkları şeklinde yorumlanabilir. Analiz sonucu etkin olan şirketlerin banka sigortacılığı modelleri (stratejileri) hakkında yorumlar yapılmıştır. Ayrıca etkin olmayan şirketlerin etkin olabilmeleri için referans kümeleri oluşturulmuş olup, etkinlik için hedefler belirlenmiştir.
Bancassurance is the system that was created for the distribution of insurance services by banks. This financial integration could be determined as a profitable arrangement for banks and insurance companies. In this study, in 2013, efficiency of twenty life insurance and pension companies using the bank distribution channel was measured by Data Envelopment Analysis. The relative efficiency of insurance companies was analised by using input and output oriented CCR and BCC models. In the data of the year 2013, the results showed that two companies were determined as effective in input-oriented CCR Model and nine companies were determined as effective in input-oriented BCC Model. Two companies reached to the effective level in output-oriented CCR Model and five companies reached to the effective level in output-oriented BCC Model. In this study (in this created models), having ten percent of scale efficiencies could be interpretted as companies couldn't use the bank distribution channel in optimal scale. The bancassurance models of companies which are determined as effective according to analysis results were discussed. In addition, reference sets were created for ineffective companies to be effective and also the goals are determined for efficiency.
Bancassurance is the system that was created for the distribution of insurance services by banks. This financial integration could be determined as a profitable arrangement for banks and insurance companies. In this study, in 2013, efficiency of twenty life insurance and pension companies using the bank distribution channel was measured by Data Envelopment Analysis. The relative efficiency of insurance companies was analised by using input and output oriented CCR and BCC models. In the data of the year 2013, the results showed that two companies were determined as effective in input-oriented CCR Model and nine companies were determined as effective in input-oriented BCC Model. Two companies reached to the effective level in output-oriented CCR Model and five companies reached to the effective level in output-oriented BCC Model. In this study (in this created models), having ten percent of scale efficiencies could be interpretted as companies couldn't use the bank distribution channel in optimal scale. The bancassurance models of companies which are determined as effective according to analysis results were discussed. In addition, reference sets were created for ineffective companies to be effective and also the goals are determined for efficiency.
Açıklama
Tez (Yüksek Lisans) -- İstanbul Ticaret Üniversitesi -- Kaynakça var.
Anahtar Kelimeler
Bankalar ve bankacılık_İşletme sigortası, Banks and banking_Insurance business
Kaynak
WoS Q Değeri
Scopus Q Değeri
Cilt
Sayı
Künye
Şeyranlıoğlu, Onur. (2015). Banka sigortacılığının (bankasürans) yapısal analizi ve bir etkinlik araştırması. (Yayımlanmamış yüksek lisans tezi). İstanbul Ticaret Üniversitesi, Sosyal Bilimler Enstitüsü, İşletme, İstanbul
