Türk Sigortacılık Sektöründe Rekabetin Ampirik Analizi: 2009-2019 Dönemi (*)

Çalışmada, Türk sigortacılık sektörü ve sektörde faaliyet gösteren şirketlerin rekabet gücünü belirlemeye yönelik olarak Panzar - Rosse (1987) modeli 2009Q4- 2019Q3 dönemi verileri yardımıyla tahmin edilmiştir. Türk sigortacılık sektöründe yaşanan yapısal değişimlerin piyasa yapısı üzerinde etkilerini analiz etmeye yönelik olarak Panzar - Rosse (1987) modeli, 2009Q4-2013Q4 ve 2014Q4-2019Q3 dönemleri için de ayrı ayrı tahmin edilmiştir. Bağımlı değişkenin net toplam primler ve toplam gelirler olduğu iki farklı Panzar - Rosse modeli panel veri yöntemiyle tahmin edilmiştir. Analiz sonuçlarında ulaşılan bulgular, Türk sigortacılık sektöründe cari piyasa yapısının monopolcü rekabet piyasa yapısı olduğunu göstermektedir.

Empirical Analysis of Competition in the Turkish Insurance Sector: 2009-2019 Period

In the study, the Panzar - Rosse (1987) model was estimated with the help of 2009Q4-2019Q3 data to determine the competitiveness of the Turkish insurance industry and companies operating in the sector. In order to analyze the effects of structural changes in the Turkish insurance industry on the market structure, the Panzar - Rosse (1987) model has been estimated separately for the 2009Q4-2013Q4 and 2014Q4-2019Q3 periods. Two different Panzar - Rosse models, in which dependent variable is net premium and net income, have been formulated and estimated. The results show that the current market structure of the Turkish insurance market is characterized as monopolistic competition.

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