{"id":107763,"date":"2020-02-04T15:02:37","date_gmt":"2020-02-04T12:02:37","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=107763"},"modified":"2020-02-04T15:02:37","modified_gmt":"2020-02-04T12:02:37","slug":"dogal-afetler-sigortaciya-1-yil-icinde-150-milyar-dolar-kaybettirdi","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/dogal-afetler-sigortaciya-1-yil-icinde-150-milyar-dolar-kaybettirdi\/","title":{"rendered":"(Turkish) Do\u011fal Afetler Sigortac\u0131ya 1 Y\u0131l \u0130\u00e7inde ‘150 Milyar Dolar’ Kaybettirdi"},"content":{"rendered":"

Sorry, this entry is only available in Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

<\/p>\n

\u0130klim de\u011fi\u015fikli\u011fi ve k\u00fcresel \u0131s\u0131nman\u0131n neden oldu\u011fu do\u011fal afetler, \u00e7ok ciddi hasarlara yol a\u00e7\u0131yor. Sadece ge\u00e7en y\u0131l d\u00fcnyada 820 do\u011fal afet meydana geldi ve toplam 150 milyar dolarl\u0131k zarara sebebiyet verdi. B\u00fcy\u00fck etkili yang\u0131nlar, sel, deprem, salg\u0131n hastal\u0131klar gibi do\u011fal afetlere kar\u015f\u0131, sigorta ve reas\u00fcrans \u015firketleri meteorologlarla i\u015fbirli\u011fi yap\u0131yor ve riskleri \u00f6l\u00e7\u00fcmleyerek olas\u0131 zararlar i\u00e7in \u00f6nlem al\u0131yor.<\/h1>\n

D\u00fcnya k\u00fcresel \u0131s\u0131nma<\/strong> ve iklim de\u011fi\u015fikli\u011finin<\/strong> neden oldu\u011fu do\u011fal afetleri<\/strong> konu\u015fuyor. K\u00fcresel \u0131s\u0131nman\u0131n<\/strong> en b\u00fcy\u00fck etkisini g\u00f6sterdi\u011fi Avustralya\u2019da aylard\u0131r s\u00f6nd\u00fcr\u00fclemeyen yang\u0131nlardan dolay\u0131 10.3 milyon hektar alan yok oldu. Alevlerin y\u00fcksekli\u011fi 70 metreyi a\u015farken<\/strong>, yang\u0131nlar sonucu 28 ki\u015fi<\/strong> hayat\u0131n\u0131 kaybetti. Yakla\u015f\u0131k 2 bin ev k\u00fcle d\u00f6nd\u00fc<\/strong>, \u00e7ok say\u0131da kasaba bo\u015falt\u0131ld\u0131 ve 100 bin ki\u015fi evlerinden<\/strong> tahliye edildi. Avustralya Sigorta Kurumu<\/strong>\u2019nun tahminine g\u00f6re; zarar 700 milyon Avustralya dolar\u0131n\u0131<\/strong> (485 milyon ABD dolar\u0131) a\u015ft\u0131 ve daha fazla artmas\u0131<\/strong> bekleniyor.<\/p>\n

\"\"2019\u2019da 820 adet do<\/strong>\u011f<\/strong>al afet ya<\/strong>\u015f<\/strong>and<\/strong>\u0131<\/strong><\/h2>\n

Do\u011fal afet say\u0131s\u0131n\u0131n ge\u00e7en y\u00fczy\u0131la g\u00f6re 5 kattan fazla art\u0131\u015f g\u00f6sterdi\u011fine dikkat \u00e7eken IBS Sigorta ve Reas\u00fcrans Brokerli<\/strong>\u011f<\/strong>i A.<\/strong>\u015e<\/strong>. Genel M<\/strong>\u00fc<\/strong>d<\/strong>\u00fc<\/strong>r<\/strong>\u00fc<\/strong> Murat <\/strong>\u00c7<\/strong>ift<\/strong>\u00e7<\/strong>i,<\/strong> \u201c\u0130klim farkl\u0131l\u0131klar\u0131, hava felaketlerini<\/em> y\u0131ldan y\u0131la etkiliyor. 2019\u2019da 820 do\u011fal afet<\/strong> ya\u015fand\u0131 ve toplam 150 milyar dolarl\u0131k zarara<\/strong> neden oldu. Son bilimsel \u00e7al\u0131\u015fmalarda iklim de\u011fi\u015fikli\u011finin<\/strong> bir sonucu olarak bir\u00e7ok b\u00f6lgede dolu ve f\u0131rt\u0131nalar\u0131n artmas\u0131 bekleniyor. Avrupa\u2019da yaz f\u0131rt\u0131nalar\u0131ndan kaynaklanan genel zararlar, yakla\u015f\u0131k 900 milyon dolar<\/strong> oldu. Di\u011fer yandan bu risklerin kar\u015f\u0131l\u0131\u011f\u0131nda, do\u011fal afet bilinci artt\u0131k\u00e7a<\/strong> sigortal\u0131 say\u0131s\u0131n\u0131n artmas\u0131 ve hasar frekans\u0131na ba\u011fl\u0131 olarak sigorta primlerinin de y\u00fckselmesi<\/strong> s\u00f6z konusu\u201d dedi.<\/p>\n

TARS<\/strong>\u0130<\/strong>M <\/strong>\u00fc<\/strong>lkemiz i<\/strong>\u00e7<\/strong>in referans bir uygulama<\/strong><\/h2>\n

Geli\u015fmi\u015f ekonomilerde, \u00f6zellikle sel ve f\u0131rt\u0131na riski gibi baz\u0131 do\u011fal afet t\u00fcrlerinin, \u00f6zel devlet destekli havuz uygulamalar\u0131na ge\u00e7ildi\u011fini belirten Murat \u00c7ift\u00e7i<\/strong>, \u201cK\u00fcresel <\/em>\u0131<\/em>s<\/em>\u0131<\/em>nmaya ba<\/em>\u011f<\/em>l<\/em>\u0131<\/em> olarak ya<\/em>\u015f<\/em>anan iklim de<\/em>\u011f<\/em>i<\/em>\u015f<\/em>iklikleri neticesinde ya<\/strong><\/em>\u015f<\/em>anan sel, kurakl<\/em>\u0131<\/em>k, deprem, dolu, heyelan, yang<\/em>\u0131<\/em>n, kas<\/em>\u0131<\/em>rga ve hortumlar y<\/em>\u00fc<\/em>ksek tutarl<\/em>\u0131<\/em> maddi kay<\/em>\u0131<\/em><\/strong>plara<\/strong> sebebiyet vermektedir. Bu kay<\/em>\u0131<\/em>plar dolay<\/em>\u0131<\/em>s<\/em>\u0131<\/em>yla da k<\/em>\u00fc<\/em>resel olarak ciddi tedbirler almak zorunlu hale geldi\u201d dedi. <\/em>Murat \u00c7ift\u00e7i<\/em><\/strong>, do<\/em>\u011f<\/em>al afetlerin tar<\/em>\u0131<\/em>m alanlar<\/em>\u0131<\/em>na verdi<\/em>\u011f<\/em>i zarara vurgu yaparak, \u201c<\/em>Orman yang\u0131nlar\u0131ndaki art\u0131\u015f, sel ve kurakl\u0131\u011f\u0131n hasatlar \u00fczerindeki olumsuz etkileri, \u00fcretim kapasitesindeki<\/strong> azalma tar\u0131m sigortalar\u0131n\u0131 da do\u011frudan etkiliyor. Tar\u0131m sigortalar\u0131 alan\u0131nda d\u00fcnyan\u0131n belki de en ba\u015far\u0131l\u0131 havuz modellerinden birisi olan TARS\u0130M \u00fclkemiz i\u00e7in sigortac\u0131l\u0131k alan\u0131nda<\/strong> gurur duyulacak bir ba\u015far\u0131. Zaman i\u00e7erisinde farkl\u0131 parametrik teminat ilaveleri ile daha da zenginle\u015ftirmeye a\u00e7\u0131k bir olu\u015fum<\/strong> i\u00e7eriyor ve bir\u00e7ok geli\u015fmekte olan \u00fclkenin TARS\u0130M\u2019den referans alabilece\u011fi<\/strong> olu\u015fumlar g\u00f6r\u00fclebilir\u201d diye konu\u015ftu.<\/p>\n

Yeni i<\/strong>\u015f<\/strong> modelleri sigorta <\/strong>\u00fc<\/strong>r<\/strong>\u00fc<\/strong>nlerini <\/strong>\u00e7<\/strong>e<\/strong>\u015f<\/strong>itlendiriyor <\/strong><\/h2>\n

Murat \u00c7ift\u00e7i<\/strong>, iklim de\u011fi\u015fikli\u011fi kaynakl\u0131 afetler dolay\u0131s\u0131yla sigorta sekt\u00f6r\u00fcn\u00fcn verimlili\u011fi<\/strong> ve geleneksel i\u015f yapma modelinin de tehlike alt\u0131na girdi\u011fini belirterek, \u015funlar\u0131 s\u00f6yledi: \u201cYeni i\u015f yapma modellerinin ba\u015f\u0131nda parametrik sigortalar<\/strong> \u00f6n plana \u00e7\u0131k\u0131yor. Bu tarz yeni \u00fcr\u00fcnler \u00f6zellikle enerji arz\u0131 sa\u011flayan firmalar<\/strong> i\u00e7in \u00f6nem kazan\u0131yor ve beklenenin alt\u0131nda veya \u00fczerinde girdi olmas\u0131 durumunda olu\u015fan finansal zararlar\u0131 belirli bir noktadan sonra kar\u015f\u0131larken, \u00fclkemizin ve d\u00fcnyan\u0131n en \u00f6nemli meselelerinden birisi olan enerji kaynaklar\u0131n\u0131n ve \u00fcretiminin kesintisiz<\/strong> olarak devam etmesine de katk\u0131 sa\u011fl\u0131yor. Tar\u0131m \u00fcr\u00fcnlerine<\/strong> ba\u011fl\u0131 \u00fcretim yapan sanayi kurulu\u015flar\u0131nda da benzer arz ve talep g\u00f6r\u00fcl\u00fcyor.<\/strong>\u201d<\/p>\n

Riskler meteorologlarla birlikte takip ediliyor<\/strong><\/h2>\n

Murat \u00c7ift\u00e7i<\/strong>, do\u011fal afet senetleri<\/em> ile ilgili \u015funlar\u0131 s\u00f6yledi: \u201c\u00d6zellikle sigorta ve reas\u00fcrans piyasalar\u0131n\u0131n<\/strong> finansal kapasitelerini art\u0131rmaya y\u00f6nelik sunulan alternatif do\u011fal afet senetleri, sigorta ve reas\u00fcrans \u015firketlerinin do\u011fal afet sigortas\u0131 riskini<\/strong> kurumsal yat\u0131r\u0131mc\u0131lara bono olarak transfer ettikleri<\/strong> menkul k\u0131ymetler olarak tan\u0131mlan\u0131yor. B\u00f6ylelikle sigortac\u0131 ve reas\u00fcr\u00f6r\u00fcn \u00e7ok b\u00fcy\u00fck do\u011fal afet risklerini<\/strong> sermaye piyasas\u0131na transfer etmesi dahi m\u00fcmk\u00fcn hale geliyor. Di\u011fer yandan yurtd\u0131\u015f\u0131nda sigorta ve reas\u00fcrans \u015firketlerinin<\/strong> sadece akt\u00fcerler ile de\u011fil ayn\u0131 zamanda meteorolog<\/strong> gibi bilim insanlar\u0131 ile \u00f6zel yaz\u0131mlar\u0131n yard\u0131m\u0131yla<\/strong> risklerini takip ediyor, \u00f6l\u00e7me ve fiyatlama metotlar\u0131<\/strong> da bunlara g\u00f6re geli\u015ftiriliyor.\u201d<\/p>","protected":false},"excerpt":{"rendered":"

Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language. \u0130klim de\u011fi\u015fikli\u011fi ve k\u00fcresel \u0131s\u0131nman\u0131n neden oldu\u011fu do\u011fal afetler, \u00e7ok ciddi hasarlara yol a\u00e7\u0131yor. Sadece ge\u00e7en y\u0131l d\u00fcnyada 820 do\u011fal afet meydana […]<\/p>\n","protected":false},"author":1,"featured_media":107766,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53,52],"tags":[66336,12880,66341,43836,66335,52259,66337,1999,1471,41837,66340,38353,66339,66334,66333,25763,66338,44536,66332],"views":148,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/107763"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=107763"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/107763\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/107766"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=107763"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=107763"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=107763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}