{"id":53746,"date":"2018-03-22T00:57:31","date_gmt":"2018-03-21T21:57:31","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=53746"},"modified":"2018-03-22T00:57:31","modified_gmt":"2018-03-21T21:57:31","slug":"cetin-unsalan-sigorta-ekonominin-kilidiyse","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-sigorta-ekonominin-kilidiyse\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Sigorta ekonominin kilidiyse\u2026"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye ekonomisinin durumuna ili\u015fkin farkl\u0131 tart\u0131\u015fmalar yap\u0131l\u0131rken, TOBB Ba\u015fkan\u0131 Rifat Hisarc\u0131kl\u0131o\u011flu\u2019nun alt\u0131n\u0131 \u00e7izdi\u011fi bir konu kritik yere oturdu. Kocaeli\u2019di sigorta acenteleriyle bir araya gelen TOBB Ba\u015fkan\u0131, sekt\u00f6r\u00fcn \u00f6nemini ortaya koyarken, fark\u0131nda olmadan T\u00fcrkiye\u2019nin durumuna ili\u015fkin de bir tespit yapt\u0131.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4035529762\"><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>Hisarc\u0131kl\u0131o\u011flu burada yapt\u0131\u011f\u0131 konu\u015fmada, sigorta sekt\u00f6r\u00fcne at\u0131fta bulunarak \u201cSigorta olmadan ekonominin b\u00fcy\u00fcyebilme \u015fans\u0131 yok\u201d dedi. Toplant\u0131 \u00f6zelinde sekt\u00f6r mensuplar\u0131n\u0131n g\u00f6nl\u00fcn\u00fc ok\u015fasa da, asl\u0131nda bu mesele zannedildi\u011finden daha \u00f6nemli.<\/p>\n<p>Hatta sigorta sekt\u00f6r\u00fcn\u00fcz\u00fcn d\u00fcnya sistemine ba\u011fl\u0131 da olsa yerlilik oran\u0131n\u0131 da ayr\u0131ca tart\u0131\u015fman\u0131z gerekir. Cumhuriyet\u2019in ilk kuruldu\u011fu ve ekonomide hamle yapt\u0131\u011f\u0131 y\u0131llarda, Anadolu Sigorta\u2019n\u0131n kurulu\u015f \u00f6yk\u00fcs\u00fcne dikkatle bakmak laz\u0131m.<\/p>\n<p>Bu T\u00fcrk Milleti\u2019nin vatanda\u015f\u0131 ve esnaf\u0131yla kimseye muhta\u00e7 olmadan ve s\u0131k\u0131nt\u0131lar\u0131n\u0131 yok olmadan a\u015farak \u00e7\u00f6zebilmesinin kritik bir anahtar hamlesi. Bug\u00fcn kentsel d\u00f6n\u00fc\u015f\u00fcm meselesinde ve yap\u0131 denetim uygulamalar\u0131nda istenmeyen sonu\u00e7lar\u0131 al\u0131yorsak, bunda sigorta sisteminin meseleye dahil edilememesinin de rol\u00fc b\u00fcy\u00fckt\u00fcr.<\/p>\n<p>Yap\u0131 denetim ile ilgili d\u00fczenlemenin yap\u0131ld\u0131\u011f\u0131 o y\u0131llar\u0131 hat\u0131rl\u0131yorum. Yap\u0131 denetim firmas\u0131 ve m\u00fcteahhit ili\u015fkisinin, yap\u0131lan i\u015fin sigorta sekt\u00f6r\u00fc taraf\u0131ndan g\u00fcvence alt\u0131na al\u0131nmas\u0131 istendi. O s\u00fcre\u00e7te T\u0130MSE Ba\u015fkan\u0131 Naz\u0131m Ayg\u00fcn\u2019\u00fcn de \u00fczerinde hassasiyetle durdu\u011fu bir konu vard\u0131.<\/p>\n<p>Yap\u0131 denetim \u015firketlerini sigorta firmalar\u0131 belirlesin. Denetim firmas\u0131 ile m\u00fcteahhit aras\u0131nda alacak vcrecek davas\u0131 olmas\u0131n. Bu ayn\u0131 zamanda do\u011fru bir yap\u0131 denetiminin hayata ge\u00e7mesi bak\u0131m\u0131ndan da kritikti. \u00c7\u00fcnk\u00fc sigortay\u0131 yapacak \u015firket, do\u011fru denetimin takibini yapacakt\u0131.<\/p>\n<p>Fakat T\u00fcrk i\u015fi olarak sigorta \u015firketlerine sadece g\u00fcvence vermesi tavsiye edildi. Elbette deneticisini se\u00e7emedi\u011fi sistemin i\u00e7ine sigorta sekt\u00f6r\u00fc dahil olmak istemedi. Nitekim gelinen noktada yap\u0131 denetim fiyaskosu da, ortadaki \u015faibeli i\u015flem iddialar\u0131 da ne kadar hakl\u0131 oldu\u011funun kan\u0131t\u0131.<\/p>\n<p>Bu \u00f6rnekten yola \u00e7\u0131karsak, sigortan\u0131n ger\u00e7ekten bir \u00fclkenin reel sekt\u00f6r kalk\u0131nmas\u0131nda ne kadar kritik bir \u00f6nemi sahip oldu\u011funu da g\u00f6r\u00fcr\u00fcz. Tekrar TOBB Ba\u015fkan\u0131\u2019n\u0131n ifadesine d\u00f6nersek, ba\u015fka bir resmi de bu s\u00f6zden yola \u00e7\u0131karak okumam\u0131z gerekiyor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-23540953\"><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>T\u00fcrkiye\u2019nin \u00fclke risk primi ne durumda? 2018 \u015eubat ay\u0131 itibariyle 172\u2026 G\u00fcney Afrika\u2019n\u0131n bile 140\u2019larda gezindi\u011fini d\u00fc\u015f\u00fcn\u00fcrseniz \u00fclkemizin riski hakk\u0131nda da fikir sahibi olabilirsiniz. E\u011fer bir \u00fclkenin risk puan\u0131 y\u00fcksekse, o \u00fclkeye ne finansman gelir ne de sigorta sekt\u00f6r\u00fc uygun maliyetlerle sistemi \u00e7al\u0131\u015ft\u0131rabilir.<\/p>\n<p>\u015e\u00fcphesiz bizim yap\u0131m\u0131za \u00f6zel, sekt\u00f6r ad\u0131na riskler de \u015firketler yabanc\u0131 oldu\u011fundan a\u011f\u0131rl\u0131kl\u0131 olarak acentelerin s\u0131rt\u0131na y\u0131k\u0131l\u0131yor ve bir sorunlar yuma\u011f\u0131 haline d\u00f6n\u00fc\u015f\u00fcyor. Sonu\u00e7 itibariyle sigorta \u00fclke b\u00fcy\u00fcmesinin ka\u00e7\u0131n\u0131lmaz bir ba\u015fl\u0131\u011f\u0131ysa, ilk tart\u0131\u015fman\u0131z gereken buradaki sorunlar de\u011fil, \u00fclkenizin riskli s\u0131n\u0131ftan \u00e7\u0131kmas\u0131n\u0131 sa\u011flamakt\u0131r.<\/p>\n<p>Tart\u0131\u015ft\u0131\u011f\u0131n\u0131z konu bu de\u011filse, gerisi sadece laf\u0131 g\u00fczaf\u2026<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2965139782\"><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","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye ekonomisinin durumuna ili\u015fkin farkl\u0131 tart\u0131\u015fmalar yap\u0131l\u0131rken, TOBB Ba\u015fkan\u0131 Rifat Hisarc\u0131kl\u0131o\u011flu\u2019nun alt\u0131n\u0131 \u00e7izdi\u011fi bir konu kritik yere oturdu. Kocaeli\u2019di sigorta acenteleriyle bir araya gelen TOBB&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","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":[904,808,801],"class_list":["post-53746","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/53746","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=53746"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/53746\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=53746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=53746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=53746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}