{"id":26921,"date":"2013-07-29T15:42:37","date_gmt":"2013-07-29T13:42:37","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=26921"},"modified":"2013-07-29T15:42:37","modified_gmt":"2013-07-29T13:42:37","slug":"sigorta-sektoru-reel-86-buyudu","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/sigorta-sektoru-reel-86-buyudu\/","title":{"rendered":"Sigorta Sekt\u00f6r\u00fc Reel % 8,6 B\u00fcy\u00fcd\u00fc"},"content":{"rendered":"<p>T\u00fcrkiye&#8217;de\u00a0sigortac\u0131l\u0131k sekt\u00f6r\u00fc\u00a0ge\u00e7en y\u0131l toplam 19,8 milyar lira prim \u00fcretimi ger\u00e7ekle\u015ftirerek, bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 16 oran\u0131nda nominal ve 1998 y\u0131l\u0131 sabit fiyatlar\u0131yla y\u00fczde 8,6 oran\u0131nda reel b\u00fcy\u00fcme g\u00f6sterdi.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1307912821\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Hazine\u00a0M\u00fcste\u015farl\u0131\u011f\u0131, Sigortac\u0131l\u0131k ve Bireysel Emeklilik Sekt\u00f6rleri 2012 Y\u0131l\u0131 Faaliyet Raporu&#8217;nu yay\u0131mlad\u0131.<\/p>\n<p>Buna g\u00f6re, 2012 y\u0131l\u0131 sonu itibariyle T\u00fcrkiye&#8217;de 35&#8217;i hayat d\u0131\u015f\u0131, 17&#8217;si hayat ve emeklilik, 6&#8217;s\u0131 hayat ve biri reas\u00fcrans alan\u0131nda olmak \u00fczere toplam 59 sigorta, reas\u00fcrans ve emeklilik \u015firketi faaliyet g\u00f6steriyor. Aktif \u015firketlere ilaveten, ruhsat sahibi olmakla birlikte faaliyet g\u00f6stermeyen ya da faaliyeti kamu otoritesi taraf\u0131ndan durdurulmu\u015f olan d\u00f6rt hayat d\u0131\u015f\u0131 ve iki hayat sigorta \u015firketi ile bir reas\u00fcrans \u015firketi bulunuyor.<\/p>\n<p><strong>-Hayat sigortalar\u0131 k\u00fc\u00e7\u00fcld\u00fc-<\/strong><\/p>\n<p>Ge\u00e7en y\u0131l T\u00fcrkiye&#8217;de\u00a0sigortac\u0131l\u0131k sekt\u00f6r\u00fc\u00a0y\u00fcksek oranl\u0131 reel b\u00fcy\u00fcme ya\u015fad\u0131. Y\u0131l i\u00e7inde toplam 19,8 milyar lira prim \u00fcretimi ger\u00e7ekle\u015ftiren sekt\u00f6r, bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 16 oran\u0131nda nominal ve 1998 y\u0131l\u0131 sabit fiyatlar\u0131yla y\u00fczde 8,6 oran\u0131nda reel b\u00fcy\u00fcme g\u00f6sterdi. Hayat d\u0131\u015f\u0131 sigortalar reel olarak y\u00fczde 11 b\u00fcy\u00fcrken hayat sigortas\u0131 y\u00fczde 5 k\u00fc\u00e7\u00fcld\u00fc. Hayat sigortas\u0131nda k\u00fc\u00e7\u00fclme ya\u015fanmas\u0131na ra\u011fmen, hayat d\u0131\u015f\u0131n\u0131n toplam prim \u00fcretimindeki a\u011f\u0131rl\u0131\u011f\u0131 sayesinde sekt\u00f6r b\u00fcy\u00fcmeye devam etti.<\/p>\n<p>Ge\u00e7en y\u0131l toplam prim \u00fcretiminin 17,1 milyar liral\u0131k b\u00f6l\u00fcm\u00fc hayat d\u0131\u015f\u0131, 2,7 milyar liral\u0131k b\u00f6l\u00fcm\u00fc ise hayat sigortalar\u0131nda ger\u00e7ekle\u015ftirildi. Prim \u00fcretiminde hayat d\u0131\u015f\u0131 bran\u015flar\u0131n pay\u0131 y\u00fczde 86,33 iken, hayat dal\u0131n\u0131n pay\u0131 y\u00fczde 13,67 d\u00fczeyinde oldu. T\u00fcrkiye&#8217;de geleneksel olarak devam eden hayat d\u0131\u015f\u0131 sigortalar\u0131n toplam prim \u00fcretimindeki a\u011f\u0131rl\u0131\u011f\u0131 2012 y\u0131l\u0131nda da de\u011fi\u015fmedi.<\/p>\n<p><strong>&#8211; 60 milyon poli\u00e7e d\u00fczenlendi-<\/strong><\/p>\n<p>Sekt\u00f6rde 2012 y\u0131l\u0131nda 12,6 milyon adedi hayat ve 47,5 milyon adedi hayat d\u0131\u015f\u0131 sigorta bran\u015flar\u0131nda olmak \u00fczere \u015firketler taraf\u0131ndan toplam 60,1 milyon adet poli\u00e7e\/sertifika tanzim edildi. Tanzim edilen poli\u00e7e\/sertifika say\u0131s\u0131 bir \u00f6nceki y\u0131la g\u00f6re hayat d\u0131\u015f\u0131 bran\u015flarda y\u00fczde 7,46 oran\u0131nda artarken, hayat dal\u0131nda y\u00fczde 22,87 oran\u0131nda azald\u0131.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-669572480\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Rapora g\u00f6re,\u00a0sigortac\u0131l\u0131k sekt\u00f6r\u00fc\u00a0geli\u015fmekte olan piyasalarda genelde Gayri Safi Yurti\u00e7i Has\u0131la&#8217;ya (GSYH) paralel bir geli\u015fme sergiliyor. Ancak, sekt\u00f6r\u00fcn gelir esnekli\u011fi birden y\u00fcksek oldu\u011fu i\u00e7in, ki\u015fi ba\u015f\u0131na gelir artt\u0131k\u00e7a gelirden sigortaya ayr\u0131lan pay y\u00fckseliyor. Sonu\u00e7ta toplam prim \u00fcretimi ekonomideki b\u00fcy\u00fcmeden daha y\u00fcksek oranda artmakta, buna kar\u015f\u0131l\u0131k gelir azald\u0131k\u00e7a da sekt\u00f6r ekonomiden daha h\u0131zl\u0131 k\u00fc\u00e7\u00fcl\u00fcyor.<\/p>\n<p><strong>&#8211; Prim \u00fcretimi gelirden h\u0131zl\u0131 artt\u0131-<\/strong><\/p>\n<p>Bu kapsamda, ge\u00e7en y\u0131l GSYH reel olarak y\u00fczde 2,2 oran\u0131nda artarken, toplam prim \u00fcretimi y\u00fczde 8,6 oran\u0131nda art\u0131\u015f g\u00f6sterdi. Prim \u00fcretimi gelirden daha h\u0131zl\u0131 artt\u0131\u011f\u0131 i\u00e7in, toplam prim \u00fcretiminin GSYH&#8217;ye oran\u0131 da y\u00fczde 1,32&#8217;den y\u00fczde 1,40&#8217;a y\u00fckseldi.<\/p>\n<p>\u015eirketler, tanzim edilen poli\u00e7eler ve al\u0131nan primler kar\u015f\u0131l\u0131\u011f\u0131nda y\u0131l i\u00e7inde sigortal\u0131lara toplam 49,7 trilyon lira teminat sa\u011flad\u0131. Toplam teminat tutar\u0131 2011 y\u0131l\u0131na g\u00f6re y\u00fczde 26,94 oran\u0131nda y\u00fckselerek GSYH&#8217;nin 35 kat\u0131n\u0131 a\u015ft\u0131.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-232914569\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Raporda, finans sekt\u00f6r\u00fc i\u00e7erisinde arzu edilen b\u00fcy\u00fckl\u00fc\u011f\u00fcn halen olduk\u00e7a gerisinde olmas\u0131na ra\u011fmen,\u00a0sigortac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn T\u00fcrkiye ekonomisi ve s\u00fcrd\u00fcr\u00fclebilir bir b\u00fcy\u00fcme i\u00e7in \u00f6nemini ortaya koydu\u011funun alt\u0131 \u00e7izildi.<\/p>\n<p><strong>&#8211; \u00d6denen tazminatlar-<\/strong><\/p>\n<p>Y\u0131l i\u00e7inde \u015firketler taraf\u0131ndan, sigortal\u0131lar ile zarar g\u00f6renlere toplam 11,2 milyar lira tazminat \u00f6dendi. \u00d6denen tazminatlar\u0131n 9,4 milyar liral\u0131k k\u0131sm\u0131 hayat d\u0131\u015f\u0131 sigortalarda, 1,8 milyar liral\u0131k k\u0131sm\u0131 ise hayat sigortas\u0131nda ger\u00e7ekle\u015ftirildi.<\/p>\n<p>\u015eirketlerin, tazminat \u00f6demeye konu riskin ger\u00e7ekle\u015fmesinde kusuru bulunan ki\u015filerden geri tahsil edilen tutarlar\u0131 (sorumluluk sigortalar\u0131nda teminat veren sigorta \u015firketleri dahil) \u00f6denen tazminat hesab\u0131nda negatif bakiye ile takip ettikleri dikkate al\u0131nd\u0131\u011f\u0131 ve sovtaj gelirleri ilave edildi\u011finde, \u00f6denen br\u00fct tazminat tutar\u0131 12,7 milyar liraya ula\u015f\u0131yor.<\/p>\n<p>Sigortac\u0131l\u0131k ve Bireysel Emeklilik Sekt\u00f6rleri 2012 Y\u0131l\u0131 Faaliyet Raporuna g\u00f6re, \u00fclke ekonomisi i\u00e7in \u00f6nemli katk\u0131lar sa\u011flayan sekt\u00f6rlerin temel faaliyetlerini karl\u0131 bir \u015fekilde s\u00fcrd\u00fcremedi\u011fi belirtilerek, sekt\u00f6rlerde faaliyet g\u00f6steren mevcut 59 \u015firketten 28&#8217;inin 2012 y\u0131l\u0131n\u0131 teknik zararla kapatt\u0131\u011f\u0131 bildirildi.<\/p>\n<p>Hazine\u00a0M\u00fcste\u015farl\u0131\u011f\u0131, Sigortac\u0131l\u0131k ve Bireysel Emeklilik Sekt\u00f6rleri 2012 Y\u0131l\u0131 Faaliyet Raporunu a\u00e7\u0131klad\u0131.<\/p>\n<p>Rapora g\u00f6re, T\u00fcrkiye&#8217;de 27 Ekim 2003 tarihinde uygulamaya ba\u015flanan Bireysel Emeklilik Sistemi (BES) \u00e7ift haneli b\u00fcy\u00fcme trendini 2012 y\u0131l\u0131nda da devam ettirdi. 31 Aral\u0131k 2012 tarihi itibariyle sistemdeki kat\u0131l\u0131mc\u0131 say\u0131s\u0131 3,1 milyon ki\u015fiye, akdedilen s\u00f6zle\u015fme say\u0131s\u0131 ise 3,5 milyon adede ula\u015ft\u0131. Bu rakamlar, 2012 y\u0131l\u0131nda kat\u0131l\u0131mc\u0131 say\u0131s\u0131n\u0131n y\u00fczde 18,06, s\u00f6zle\u015fme say\u0131s\u0131n\u0131n ise y\u00fczde 18,89 oran\u0131nda artm\u0131\u015f oldu\u011funu g\u00f6sterdi.<\/p>\n<p>Y\u00fcr\u00fcrl\u00fckte bulunan bireysel emeklilik s\u00f6zle\u015fmeleri i\u00e7in sistemin uygulamaya ba\u015fland\u0131\u011f\u0131 tarihten 31 Aral\u0131k 2012 tarihine kadar kat\u0131l\u0131mc\u0131lar taraf\u0131ndan toplam 16,2 milyar lira katk\u0131 pay\u0131 \u00f6dendi ve katk\u0131 paylar\u0131n\u0131n yat\u0131r\u0131ma y\u00f6nlendirilmesi sonucu olu\u015fan kat\u0131l\u0131mc\u0131lara ait fonlar\u0131n de\u011feri 20,3 milyar liraya ula\u015ft\u0131. A\u00e7\u0131klanan bu tutarlara, 31 Aral\u0131k 2012 tarihinden \u00f6nce sistemden ayr\u0131lan kat\u0131l\u0131mc\u0131lar taraf\u0131ndan \u00f6denen katk\u0131 paylar\u0131 ile an\u0131lan ki\u015filere \u015firketler taraf\u0131ndan \u00f6denen fon tutarlar\u0131 dahil edilmedi.<\/p>\n<p>2012 y\u0131l\u0131nda kat\u0131l\u0131mc\u0131lara ait birikim ile \u00f6denen katk\u0131 pay\u0131 tutar\u0131ndaki art\u0131\u015flar s\u0131ras\u0131yla y\u00fczde 41,61 ve y\u00fczde 32,86 olarak ger\u00e7ekle\u015fti.<\/p>\n<p><strong>&#8211; Zorunlu Deprem Sigortas\u0131-\u00a0<\/strong><\/p>\n<p>Zorunlu Deprem Sigortas\u0131nda da 2012 y\u0131l\u0131nda olumlu neticeler elde edildi. Y\u0131l sonu itibariyle sigortal\u0131 konut say\u0131s\u0131 4,8 milyon adet, sigortal\u0131l\u0131k oran\u0131 ise y\u00fczde 28,27 olarak ger\u00e7ekle\u015fti.<\/p>\n<p>Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK) taraf\u0131ndan Zorunlu Deprem Sigortas\u0131 i\u00e7in al\u0131nan primler kar\u015f\u0131l\u0131\u011f\u0131nda bina sahiplerine 324 milyar lira teminat verildi. Buna kar\u015f\u0131l\u0131k, y\u0131l i\u00e7inde ger\u00e7ekle\u015fen depremler sonucunda 4,1 milyon lira tazminat \u00f6demesi yap\u0131ld\u0131. Kuruldu\u011fu g\u00fcnden 2012 y\u0131l\u0131 sonuna kadar DASK taraf\u0131ndan \u00f6denen tazminat tutar\u0131 150 milyon liraya, sistemde biriken fon tutar\u0131 ise 2 milyar liraya ula\u015ft\u0131.<\/p>\n<p><strong>&#8211; Devlet Destekli Tar\u0131m Sigortas\u0131-<\/strong><\/p>\n<p>Rapora g\u00f6re, Devlet Destekli Tar\u0131m Sigortalar\u0131 i\u00e7in 2012, \u00f6nemli bir y\u0131l olarak kay\u0131tlara ge\u00e7ti. An\u0131lan sigortalarda d\u00fczenlenen poli\u00e7e say\u0131s\u0131 2012 y\u0131l\u0131nda y\u00fczde 27 oran\u0131nda art\u0131\u015f g\u00f6stererek 744 bin 93 adede y\u00fckseldi, tanzim edilen poli\u00e7eler kar\u015f\u0131l\u0131\u011f\u0131nda sigortal\u0131lardan 499 milyon lira prim tahsil edildi, ayn\u0131 tutarda devlet taraf\u0131ndan da prim katk\u0131s\u0131 sa\u011fland\u0131. Buna kar\u015f\u0131l\u0131k, y\u0131l i\u00e7inde sigortal\u0131lara toplam 280 milyon lira tazminat \u00f6demesi yap\u0131ld\u0131.<\/p>\n<p><strong>&#8211; Sigortac\u0131l\u0131k ve bireysel emeklilik sekt\u00f6rleri varl\u0131k toplam\u0131 y\u00fczde 23,84 oran\u0131nda artt\u0131-\u00a0<\/strong><\/p>\n<p>Sigortac\u0131l\u0131k ve bireysel emeklilik sekt\u00f6rlerinin de yer ald\u0131\u011f\u0131 finans sekt\u00f6r\u00fc, aktif toplam\u0131na g\u00f6re 2012 y\u0131l\u0131nda y\u00fczde 17,7 oran\u0131nda b\u00fcy\u00fcme ger\u00e7ekle\u015ftirirken, emeklilik yat\u0131r\u0131m fonlar\u0131ndaki y\u00fczde 42 oran\u0131ndaki art\u0131\u015f\u0131n etkisiyle sigortac\u0131l\u0131k ve bireysel emeklilik sekt\u00f6rleri varl\u0131k toplam\u0131 y\u00fczde 23,84 oran\u0131nda artt\u0131 ve 52,6 milyar liraya ula\u015ft\u0131.<\/p>\n<p>Sigorta ve bireysel emeklilik \u015firketlerinin aktif toplamlar\u0131 i\u00e7inde hayat sigortal\u0131lar\u0131 ile bireysel emeklilik kat\u0131l\u0131mc\u0131lar\u0131na ait fon tutar\u0131 31 Aral\u0131k 2012 tarihi itibariyle 23,2 milyar liraya ula\u015ft\u0131. S\u00f6z konusu fonlar\u0131n \u00f6nemli bir k\u0131sm\u0131n\u0131n kamu i\u00e7 bor\u00e7lanma senetlerinden olu\u015ftu\u011fu dikkate al\u0131nd\u0131\u011f\u0131nda, sekt\u00f6r\u00fcn \u00fclkedeki kamunun uzun vadeli finansman ihtiyac\u0131n\u0131n kar\u015f\u0131lanmas\u0131na \u00f6nemli bir katk\u0131 sa\u011flad\u0131\u011f\u0131 anla\u015f\u0131l\u0131yor.<\/p>\n<p>Rapora g\u00f6re, \u015firketler taraf\u0131ndan 2012 y\u0131l\u0131nda yap\u0131lan 1,7 milyar lira vergi \u00f6demesi de devlet b\u00fct\u00e7esi i\u00e7in \u00f6nemli bir gelir kayna\u011f\u0131 olu\u015fturdu.<\/p>\n<p><strong>&#8211; Sekt\u00f6r, 80 binden fazla ki\u015fiye istihdam sa\u011fl\u0131yor-<\/strong><\/p>\n<p>Sigortac\u0131l\u0131k ve bireysel emeklilik sekt\u00f6rlerinin \u00fclke ekonomilerine katk\u0131 sa\u011flad\u0131\u011f\u0131 alanlardan biri de istihdam oldu. 2012 y\u0131l\u0131 sonu itibariyle \u00fclkedeki sigorta, reas\u00fcrans ve bireysel emeklilik \u015firketlerinde toplam 17 bin 521 personel \u00e7al\u0131\u015ft\u0131\u011f\u0131 tespit edildi.<\/p>\n<p>Sekt\u00f6rde faaliyet g\u00f6steren 16 bin 827 sigorta acentesi (ger\u00e7ek t\u00fczel ki\u015fi) ve 20 bin 176 bireysel emeklilik arac\u0131s\u0131 bulunuyor. Y\u0131l sonu itibariyle bin 396 sigorta eksperi, 98 broker (ger\u00e7ek t\u00fczel ki\u015fi) ile 45 akt\u00fcerin de g\u00f6rev yapt\u0131\u011f\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda, sigortac\u0131l\u0131k ve bireysel emeklilik sekt\u00f6rlerinin 80 binden fazla ki\u015fiye do\u011frudan istihdam sa\u011flad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p><strong>&#8211; 59 \u015firketten 28&#8217;i 2012&#8217;yi teknik zararla kapatt\u0131-<\/strong><\/p>\n<p>\u00d6te yandan, Sigortac\u0131l\u0131k ve Bireysel Emeklilik Sekt\u00f6rleri 2012 Y\u0131l\u0131 Faaliyet Raporuna g\u00f6re, \u00fclke ekonomisi i\u00e7in \u00f6nemli katk\u0131lar sa\u011flayan bu sekt\u00f6rler, temel faaliyetlerini karl\u0131 bir \u015fekilde s\u00fcrd\u00fcremiyor.<\/p>\n<p>Mevcut 59 \u015firketten 28&#8217;i (22 hayat d\u0131\u015f\u0131, 1 hayat ve 5 hayat\/emeklilik \u015firketi) 2012 y\u0131l\u0131n\u0131 teknik zararla kapatt\u0131.<\/p>\n<p>Sekt\u00f6r, konsolide bazda 2008 y\u0131l\u0131nda 532,7 milyon lira teknik kar elde etmi\u015fken, bu tutar 2009 y\u0131l\u0131nda 239,6 milyon liraya, 2010 y\u0131l\u0131nda 218,7 milyon liraya ve 2011 y\u0131l\u0131nda 61,9 milyon liraya geriledi, 2012 y\u0131l\u0131nda ise 203,2 milyon lira zarara d\u00f6n\u00fc\u015ft\u00fc.<\/p>\n<p>Sekt\u00f6r\u00fcn konsolide bilan\u00e7o kar\u0131 da teknik karl\u0131l\u0131\u011fa benzer bir geli\u015fme g\u00f6sterdi. Sekt\u00f6r\u00fcn 2008 y\u0131l\u0131nda 972 milyon lira olan konsolide bilan\u00e7o kar\u0131, 2009 y\u0131l\u0131nda 542,9 milyon liraya ve 2010 y\u0131l\u0131nda 179 milyon liraya geriledi, buna kar\u015f\u0131l\u0131k 2011 y\u0131l\u0131nda k\u00fc\u00e7\u00fck bir art\u0131\u015f ile 184 milyon liraya y\u00fckseldi. Ancak, sekt\u00f6r 2012 y\u0131l\u0131n\u0131 toplamda 123 milyon lira bilan\u00e7o zarar\u0131 ile kapatt\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye&#8217;de\u00a0sigortac\u0131l\u0131k sekt\u00f6r\u00fc\u00a0ge\u00e7en y\u0131l toplam 19,8 milyar lira prim \u00fcretimi ger\u00e7ekle\u015ftirerek, bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 16 oran\u0131nda nominal ve 1998 y\u0131l\u0131 sabit fiyatlar\u0131yla y\u00fczde 8,6&hellip;<\/p>\n","protected":false},"author":2,"featured_media":26922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-26921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/26921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=26921"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/26921\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/26922"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=26921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=26921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=26921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}