{"id":1240,"date":"2026-11-11T20:30:45","date_gmt":"2026-11-11T17:30:45","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1240"},"modified":"2026-11-11T20:30:45","modified_gmt":"2026-11-11T17:30:45","slug":"sigortacilik-iklim-dayanikliliginin-ve-yesil-yatirimlarin-merkezinde","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1240","title":{"rendered":"Sigortac\u0131l\u0131k, iklim dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131n ve ye\u015fil yat\u0131r\u0131mlar\u0131n merkezinde"},"content":{"rendered":"

COP31 kapsam\u0131nda Antalya\u2019da d\u00fczenlenen K\u00fcresel Sigortac\u0131l\u0131k ve Dayan\u0131kl\u0131l\u0131k Zirvesi\u2019nin a\u00e7\u0131l\u0131\u015f\u0131nda, sigortac\u0131l\u0131\u011f\u0131n afet zararlar\u0131n\u0131n kar\u015f\u0131lanmas\u0131ndan risklerin \u00f6nlenmesine ve ye\u015fil yat\u0131r\u0131mlar\u0131n desteklenmesine uzanan rol\u00fc ele al\u0131nd\u0131. TSB Ba\u015fkan\u0131 Ahmet Ya\u015far, sigortac\u0131lar\u0131n projelere tasar\u0131m a\u015famas\u0131nda kat\u0131lmas\u0131 \u00e7a\u011fr\u0131s\u0131nda bulunurken SEDDK Ba\u015fkan Yard\u0131mc\u0131s\u0131 Ali Burak Kurtulan, Zorunlu Afet Sigortas\u0131 i\u00e7in haz\u0131rl\u0131klar\u0131n tamamland\u0131\u011f\u0131n\u0131 s\u00f6yledi. Hazine ve Maliye Bakan Yard\u0131mc\u0131s\u0131 Kutluhan Ta\u015fk\u0131n ise planlanan geni\u015flemeyle bir y\u0131l i\u00e7inde yakla\u015f\u0131k 11,8 milyon konutun sel ve di\u011fer iklim kaynakl\u0131 risklere kar\u015f\u0131 g\u00fcvenceye kavu\u015fturulmas\u0131n\u0131n \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klad\u0131.<\/strong><\/h4>\n

S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n

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T\u00fcrkiye\u2019nin ev sahipli\u011fi ve ba\u015fkanl\u0131\u011f\u0131nda Antalya\u2019da ger\u00e7ekle\u015ftirilen COP31 <\/strong>kapsam\u0131nda, Sigorta Evi<\/strong>\u2019nde d\u00fczenlenen K\u00fcresel Sigortac\u0131l\u0131k ve Dayan\u0131kl\u0131l\u0131k Zirvesi <\/strong>bug\u00fcn ba\u015flad\u0131. 11\u201312 Kas\u0131m tarihlerindeki zirvede, sigortac\u0131l\u0131\u011f\u0131n iklim risklerinin y\u00f6netimi, afetlere haz\u0131rl\u0131k ve ekonomik dayan\u0131kl\u0131l\u0131\u011f\u0131n g\u00fc\u00e7lendirilmesindeki rol\u00fc ele al\u0131nacak.<\/p>\n

\u0130klim diren\u00e7li \u015fehirlerin in\u015fas\u0131, temiz enerji ve ye\u015fil sanayile\u015fmenin sigortalanmas\u0131, iklim risk haritalar\u0131, tar\u0131msal dayan\u0131kl\u0131l\u0131k ve g\u0131da g\u00fcvenli\u011fi gibi ba\u015fl\u0131klar\u0131n g\u00f6r\u00fc\u015f\u00fclece\u011fi programda, farkl\u0131 \u00fclkelerin deneyimleri ve uygulanabilir \u00e7\u00f6z\u00fcmler de\u011ferlendirilecek. Kamu kurumlar\u0131, uluslararas\u0131 kurulu\u015flar, d\u00fczenleyici otoriteler, akademi ve sekt\u00f6r temsilcilerini bulu\u015fturan zirvede, g\u00f6r\u00fc\u015fmelerin somut projelere ve kal\u0131c\u0131 i\u015f birliklerine d\u00f6n\u00fc\u015fmesi hedefleniyor. Program\u0131, 13\u201314 Kas\u0131m\u2019da Birle\u015fmi\u015f Milletler \u00c7evre Program\u0131 Finans Giri\u015fimi (UNEP FI)<\/strong> i\u015f birli\u011finde ger\u00e7ekle\u015ftirilecek K\u00fcresel S\u00fcrd\u00fcr\u00fclebilir Sigorta Zirvesi<\/strong> izleyecek.<\/p>\n

Zirvenin a\u00e7\u0131l\u0131\u015f konu\u015fmalar\u0131n\u0131 T\u00fcrkiye Sigorta Birli\u011fi (TSB) Ba\u015fkan\u0131 Ahmet Ya\u015far, Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK) Ba\u015fkan Yard\u0131mc\u0131s\u0131 Ali Burak Kurtulan ve Hazine ve Maliye Bakan Yard\u0131mc\u0131s\u0131 Kutluhan Ta\u015fk\u0131n<\/strong> yapt\u0131. Konu\u015fmalarda sigortac\u0131lar\u0131n yat\u0131r\u0131m s\u00fcre\u00e7lerine tasar\u0131m a\u015famas\u0131nda kat\u0131lmas\u0131, sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131n azalt\u0131lmas\u0131, Zorunlu Afet Sigortas\u0131\u2019na ge\u00e7i\u015f haz\u0131rl\u0131klar\u0131 ve sekt\u00f6r\u00fcn ye\u015fil d\u00f6n\u00fc\u015f\u00fcm\u00fcn finansman\u0131ndaki rol\u00fc \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n

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Ya\u015far: Sigortac\u0131l\u0131k olmadan iklim dayan\u0131kl\u0131l\u0131\u011f\u0131 in\u015fa edilemez<\/strong><\/h4>\n

TSB Ba\u015fkan\u0131 Ahmet Ya\u015far,<\/strong> iklim konusunda a\u00e7\u0131klanan hedeflerin sahada nas\u0131l uygulanaca\u011f\u0131na odaklan\u0131lmas\u0131 gerekti\u011fini s\u00f6yledi. \u00c7evre, \u015eehircilik ve \u0130klim De\u011fi\u015fikli\u011fi Bakan\u0131 Murat Kurum\u2019un dile getirdi\u011fi \u201cDiyalogdan uzla\u015f\u0131ya, uzla\u015f\u0131dan eyleme\u201d yakla\u015f\u0131m\u0131n\u0131 \u00f6nemsediklerini belirten Ya\u015far, Birle\u015fmi\u015f Milletler\u2019in somut uygulamalar\u0131 h\u0131zland\u0131rma \u00e7a\u011fr\u0131s\u0131n\u0131n da ayn\u0131 ihtiyaca i\u015faret etti\u011fini kaydetti. \u0130klim politikalar\u0131n\u0131n ba\u015far\u0131s\u0131n\u0131n a\u00e7\u0131klanan hedeflerin yan\u0131nda hayata ge\u00e7en yat\u0131r\u0131mlarda ve azalt\u0131lan kay\u0131plarda aranmas\u0131 gerekti\u011fini vurgulad\u0131.<\/p>\n

\u201cSigortac\u0131l\u0131k olmadan iklim dayan\u0131kl\u0131l\u0131\u011f\u0131 in\u015fa edilemez\u201d diyen Ya\u015far, riskleri \u00f6l\u00e7mek, azaltmak, payla\u015fmak ve ekonomik hayat\u0131n s\u00fcreklili\u011fini sa\u011flamak i\u00e7in sekt\u00f6r\u00fcn bilgi birikimine ve finansal kapasitesine ihtiya\u00e7 duyuldu\u011funu ifade etti.<\/p>\n

Ekim ay\u0131nda kutlanan Sigorta Haftas\u0131\u2019nda \u201cD\u00f6rt Element. Tek G\u00fcvence.\u201d yakla\u015f\u0131m\u0131yla su, ate\u015f, hava ve topra\u011f\u0131 g\u00fcndeme ald\u0131klar\u0131n\u0131 hat\u0131rlatan Ya\u015far; a\u015f\u0131r\u0131 ya\u011f\u0131\u015f ve sellerin \u015fehirleri, orman yang\u0131nlar\u0131n\u0131n yerle\u015fim ve \u00fcretim alanlar\u0131n\u0131, f\u0131rt\u0131nalar\u0131n ula\u015f\u0131m ve altyap\u0131y\u0131, kurakl\u0131\u011f\u0131n ise tar\u0131m\u0131 ve g\u0131da g\u00fcvenli\u011fini etkiledi\u011fini s\u00f6yledi. \u0130klim risklerinin ekonomik sonu\u00e7lar\u0131n\u0131n art\u0131k her sekt\u00f6rde g\u00f6r\u00fcld\u00fc\u011f\u00fcne dikkat \u00e7ekti.<\/p>\n

\"\"<\/figure>\n

Ekim sellerinde 14 milyar liral\u0131k hasar<\/strong><\/h4>\n

14\u201315 Ekim\u2019de \u0130stanbul ve \u00e7evre illerde ya\u015fanan \u015fiddetli ya\u011f\u0131\u015flara ili\u015fkin g\u00fcncel verileri sunan Ya\u015far, 9 Kas\u0131m itibar\u0131yla 12.608 hasar ihbar\u0131 yap\u0131ld\u0131\u011f\u0131n\u0131 ve bildirilen toplam hasar\u0131n yakla\u015f\u0131k 14 milyar liraya ula\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Bu tutar\u0131n 12,4 milyar liral\u0131k b\u00f6l\u00fcm\u00fcn\u00fcn \u0130stanbul\u2019a ait oldu\u011funu, sel ve su bask\u0131n\u0131 teminatlar\u0131 kapsam\u0131nda 1,1 milyar lira tazminat \u00f6dendi\u011fini bildirdi. Hasar tespitleri s\u00fcrd\u00fc\u011f\u00fc i\u00e7in rakamlar\u0131n nihai olmad\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n

Her hasar\u0131n arkas\u0131nda bir aile, i\u015fletme, \u00fcretim veya istihdam kayb\u0131 bulundu\u011funu vurgulayan Ya\u015far, tek bir hava olay\u0131n\u0131 do\u011frudan iklim de\u011fi\u015fikli\u011fine ba\u011flaman\u0131n bilimsel a\u00e7\u0131dan do\u011fru olmayaca\u011f\u0131n\u0131, ancak a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n sonu\u00e7lar\u0131na daha haz\u0131rl\u0131kl\u0131 olunmas\u0131 gerekti\u011fini dile getirdi.<\/p>\n

Hasarlar\u0131n h\u0131zl\u0131 ve do\u011fru \u00f6denmesinin sekt\u00f6r\u00fcn temel sorumluluklar\u0131ndan biri oldu\u011funu s\u00f6yleyen Ya\u015far, as\u0131l ilerlemenin hasar \u00f6ncesinde al\u0131nan \u00f6nlemlerle sa\u011flanabilece\u011fini kaydetti. Ayn\u0131 ya\u011f\u0131\u015f\u0131n farkl\u0131 yerlerde neden farkl\u0131 b\u00fcy\u00fckl\u00fckte kay\u0131plara yol a\u00e7t\u0131\u011f\u0131n\u0131n incelenmesi ve \u015fehir planlamas\u0131, altyap\u0131 ile risk y\u00f6netiminin bu bilgiyle geli\u015ftirilmesi gerekti\u011fini belirtti.<\/p>\n

Sigortalanabilirlik proje tasar\u0131m\u0131nda ba\u015flamal\u0131<\/strong><\/h4>\n

\u0130klim taahh\u00fctlerinin yat\u0131r\u0131ma ve uygulamaya d\u00f6n\u00fc\u015fmesi i\u00e7in finansman kadar risk y\u00f6netimine de ihtiya\u00e7 duyuldu\u011funu ifade eden Ya\u015far; yenilenebilir enerji tesisleri, enerji depolama, temiz \u00fcretim, limanlar, ula\u015f\u0131m altyap\u0131s\u0131 ve tar\u0131msal yat\u0131r\u0131mlar\u0131n uzun vadeli kararlar gerektirdi\u011fini s\u00f6yledi. Bu yat\u0131r\u0131mlar\u0131n riskleri do\u011fru de\u011ferlendirilmeden kal\u0131c\u0131 bir finansman ve g\u00fcven ortam\u0131 olu\u015fturman\u0131n g\u00fc\u00e7 oldu\u011funu vurgulad\u0131.<\/p>\n

Hasar verileri, risk m\u00fchendisli\u011fi, akt\u00fceryal analiz, afet modellemesi ve reas\u00fcrans kapasitesinin yat\u0131r\u0131m kararlar\u0131n\u0131n daha sa\u011fl\u0131kl\u0131 al\u0131nmas\u0131n\u0131 sa\u011flayaca\u011f\u0131n\u0131 belirten Ya\u015far, sigortac\u0131lar\u0131n projelere m\u00fcmk\u00fcn oldu\u011funca erken a\u015famada kat\u0131lmas\u0131 \u00e7a\u011fr\u0131s\u0131nda bulundu. Sigortalanabilirli\u011fin proje tamamland\u0131ktan sonra hat\u0131rlanacak bir konu olmamas\u0131 gerekti\u011fini kaydetti.<\/p>\n

Risklerin b\u00fcy\u00fcmesiyle baz\u0131 b\u00f6lgelerde ve faaliyet alanlar\u0131nda teminata eri\u015fimin zorla\u015fabilece\u011fine dikkat \u00e7eken Ya\u015far, \u201cSigorta kapasitesini art\u0131rmak tek ba\u015f\u0131na yeterli de\u011fil. Sa\u011flam yap\u0131la\u015fma, erken uyar\u0131, veri payla\u015f\u0131m\u0131 ve risk azalt\u0131c\u0131 yat\u0131r\u0131mlar sigortalanabilirli\u011fin korunmas\u0131 i\u00e7in gerekli\u201d diye konu\u015ftu.<\/p>\n

T\u00fcrkiye\u2019nin uluslararas\u0131 i\u015f birli\u011fine sunabilece\u011fi \u00f6nemli deneyimleri bulundu\u011funu belirten Ya\u015far, DASK ve TARS\u0130M\u2019in kamu ile \u00f6zel sekt\u00f6r\u00fcn b\u00fcy\u00fck riskleri ortak bir sistem i\u00e7inde y\u00f6netebildi\u011fini g\u00f6sterdi\u011fini s\u00f6yledi. Bu birikimi geli\u015ftirmek ve farkl\u0131 \u00fclkelerle payla\u015fmak istediklerini aktard\u0131.<\/p>\n

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Ba\u015far\u0131 \u00f6l\u00e7\u00fct\u00fc koruma a\u00e7\u0131\u011f\u0131n\u0131n azalmas\u0131<\/strong><\/h4>\n

Ya\u015far\u2019\u0131n sunumunda, sigorta sekt\u00f6r\u00fcn\u00fcn 2026 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek itibar\u0131yla aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 4,6 trilyon lira, \u00f6z sermayesi 545 milyar lira olarak yer ald\u0131. Ocak\u2013ekim d\u00f6nemindeki prim \u00fcretimi ise 1,2 trilyon liraya ula\u015ft\u0131.<\/p>\n

Bu b\u00fcy\u00fckl\u00fcklerin sekt\u00f6r\u00fcn kapasitesini ortaya koydu\u011funu belirten Ya\u015far, daha \u00f6nemli g\u00f6stergenin sigorta korumas\u0131na eri\u015febilen insan ve i\u015fletme say\u0131s\u0131n\u0131n artmas\u0131 ve koruma a\u00e7\u0131\u011f\u0131n\u0131n daralmas\u0131 oldu\u011funu vurgulad\u0131.<\/p>\n

\u0130klim riskleri kar\u015f\u0131s\u0131nda insan\u0131 merkeze alan bir yakla\u015f\u0131m benimsenmesi gerekti\u011fini s\u00f6yleyen Ya\u015far, \u201cTar\u0131msal \u00fcretim ve g\u0131da g\u00fcvenli\u011fi, su kaynaklar\u0131, k\u0131y\u0131lar ve mavi ekonomi, sa\u011fl\u0131k ve gelir g\u00fcvencesi bu g\u00fcndemin ayr\u0131lmaz par\u00e7alar\u0131. \u00d6zellikle afetlerden daha a\u011f\u0131r etkilenen kesimler uygun ve eri\u015filebilir sigorta \u00e7\u00f6z\u00fcmlerine ihtiya\u00e7 duyuyor\u201d dedi.<\/p>\n

Parametrik sigortalar, afet risk havuzlar\u0131, tar\u0131m ve gelir koruma modelleri ile do\u011fa temelli projelerin risk finansman\u0131 \u00fczerinde daha fazla \u00e7al\u0131\u015f\u0131lmas\u0131 gerekti\u011fini dile getiren Ya\u015far, kamu, bilim d\u00fcnyas\u0131, finans kurulu\u015flar\u0131 ile sigorta ve reas\u00fcrans sekt\u00f6r\u00fcn\u00fcn ayn\u0131 verileri de\u011ferlendirerek ortak \u00f6ncelikler belirlemesinin \u00f6nemine i\u015faret etti.<\/p>\n

\u00dc\u00e7 somut \u00e7al\u0131\u015fma alan\u0131<\/strong><\/h4>\n

Sigorta Evi\u2019ni bu i\u015f birli\u011fini geli\u015ftirmek amac\u0131yla olu\u015fturduklar\u0131n\u0131 belirten Ya\u015far, 11\u201312 Kas\u0131m\u2019daki K\u00fcresel Sigorta ve Dayan\u0131kl\u0131l\u0131k Zirvesi<\/strong> ile 13\u201314 Kas\u0131m\u2019da UNEP FI <\/strong>ortakl\u0131\u011f\u0131nda devam edecek programda farkl\u0131 \u00fclkelerin deneyimlerini ve uygulanabilir \u00e7\u00f6z\u00fcmleri ele alacaklar\u0131n\u0131 s\u00f6yledi. G\u00f6r\u00fc\u015fmelerin somut projelere ve kal\u0131c\u0131 i\u015f birliklerine d\u00f6n\u00fc\u015fmesini hedeflediklerini kaydetti.<\/p>\n

Ya\u015far, \u00f6ncelikli \u00e7al\u0131\u015fma alanlar\u0131n\u0131 risk verisi ve afet modelleme kapasitesinin geli\u015ftirilmesi, sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltacak eri\u015filebilir \u00e7\u00f6z\u00fcmlerin yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 ve ye\u015fil ve dayan\u0131kl\u0131 yat\u0131r\u0131mlarda sigortalanabilirli\u011fin proje tasar\u0131m\u0131na d\u00e2hil edilmesi olarak s\u0131ralad\u0131. Sunumunda, hasar verilerinden sekt\u00f6rel risk haritalar\u0131na uzanan \u015feffaf bir veri altyap\u0131s\u0131n\u0131n kurulmas\u0131na, parametrik sigorta ve afet risk havuzlar\u0131yla g\u00fcvenceye eri\u015fimin geni\u015fletilmesine, temiz enerji, batarya depolama ve d\u00f6ng\u00fcsel ekonomi projeleri i\u00e7in uygun risk finansman\u0131n\u0131n sa\u011flanmas\u0131na dikkat \u00e7ekti.<\/p>\n

Uluslararas\u0131 i\u015f birli\u011fi ile kamu ve \u00f6zel sekt\u00f6r\u00fcn birlikte hareket etmesi gerekti\u011fini vurgulayan Ya\u015far, TSB\u2019nin bu \u00e7al\u0131\u015fmalarda sorumluluk \u00fcstlenmeye haz\u0131r oldu\u011funu s\u00f6yledi. \u0130klim risklerini y\u00f6netmek isteyen her \u00fclkenin, \u015fehrin ve yat\u0131r\u0131mc\u0131n\u0131n sigortac\u0131l\u0131\u011f\u0131 karar s\u00fcre\u00e7lerinin ba\u015f\u0131ndan itibaren de\u011ferlendirmesi gerekti\u011fini belirtti.<\/p>\n

\n
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Kurtulan: Hasar \u00f6nleme kapasitesi g\u00fc\u00e7lenmeli<\/strong><\/h4>\n

SEDDK Ba\u015fkan Yard\u0131mc\u0131s\u0131 Ali Burak Kurtulan, Sigorta Evi <\/strong>program\u0131n\u0131n iklim diren\u00e7li \u015fehirlerden temiz enerji ve ye\u015fil sanayile\u015fmenin sigortalanmas\u0131na, iklim risk haritalar\u0131ndan g\u0131da g\u00fcvenli\u011fine kadar geni\u015f bir alan\u0131 kapsad\u0131\u011f\u0131n\u0131 s\u00f6yledi. Program\u0131n k\u00fcresel iyi uygulamalar\u0131n de\u011ferlendirilmesine ve T\u00fcrkiye\u2019nin deneyimlerinin uluslararas\u0131 kamuoyuna aktar\u0131lmas\u0131na imk\u00e2n sa\u011flayaca\u011f\u0131n\u0131 belirtti.<\/p>\n

\u0130klim krizinin ve a\u015f\u0131r\u0131 hava olaylar\u0131n\u0131n sosyoekonomik dengeleri do\u011frudan tehdit etti\u011fini ifade eden Kurtulan, sigortac\u0131l\u0131\u011f\u0131n geli\u015fmi\u015f risk \u00f6ng\u00f6r\u00fcs\u00fc, afet modelleme, do\u011fru fiyatlama ve hasar \u00f6nleme mekanizmalar\u0131yla iklim dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 g\u00fc\u00e7lendirmesi gerekti\u011fini vurgulad\u0131.<\/p>\n

\u0130stanbul\u2019u etkileyen sel felaketinde yakla\u015f\u0131k 14 milyar liral\u0131k sigortal\u0131 hasar olu\u015ftu\u011funa de\u011finen Kurtulan, Sigorta Bilgi ve G\u00f6zetim Merkezi\u2019nin teknolojik kapasitesinden daha fazla yararlan\u0131labilece\u011fini s\u00f6yledi. Yapay zek\u00e2 destekli y\u00f6ntemlerle vatanda\u015flar\u0131n ve sigortal\u0131lar\u0131n afet \u00f6ncesinde uyar\u0131lmas\u0131n\u0131n, ara\u00e7lar\u0131n riskli alanlardan uzakla\u015ft\u0131r\u0131lmas\u0131 gibi \u00f6nlemler yoluyla hasarlar\u0131n \u00f6nlenmesine katk\u0131 sa\u011flayabilece\u011fini ifade etti.<\/p>\n

Sigortas\u0131z ekonomik kay\u0131plar\u0131n, yani koruma a\u00e7\u0131\u011f\u0131n\u0131n, kamu b\u00fct\u00e7eleri, i\u015fletmeler ve hane halk\u0131 refah\u0131 \u00fczerindeki y\u00fck\u00fcn\u00fcn b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc belirten Kurtulan, \u015firketlerin g\u00fc\u00e7l\u00fc finansal yap\u0131s\u0131n\u0131 g\u00fcvence alt\u0131na al\u0131rken koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmay\u0131, sigortalanabilirli\u011fi korumay\u0131 ve uzun vadeli dayan\u0131kl\u0131l\u0131\u011f\u0131 d\u00fczenleyici ad\u0131mlar\u0131n merkezine yerle\u015ftirmeyi ama\u00e7lad\u0131klar\u0131n\u0131 kaydetti.<\/p>\n

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ZAS haz\u0131rl\u0131klar\u0131 tamamland\u0131<\/strong><\/h4>\n

Afet risk y\u00f6netimi kapasitesinin art\u0131r\u0131lmas\u0131n\u0131n \u00f6ncelikli g\u00fcndemleri oldu\u011funu s\u00f6yleyen Kurtulan, 1999 Marmara depreminin ard\u0131ndan kurulan Do\u011fal Afet Sigortalar\u0131 Kurumu\u2019nun (DASK)<\/strong> 25 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir vatanda\u015flara g\u00fcvence sa\u011flad\u0131\u011f\u0131n\u0131 belirtti. DASK\u2019\u0131n 6 \u015eubat depremlerinin ard\u0131ndan yakla\u015f\u0131k yar\u0131m milyon konut sahibine finansal destek ula\u015ft\u0131rarak ekonomik toparlanmada \u00f6nemli rol \u00fcstlendi\u011fini ifade etti.<\/p>\n

Kurtulan, DASK\u2019\u0131n yakla\u015f\u0131k y\u00fczde 60 sigortal\u0131l\u0131k oran\u0131 ve 12 milyon aktif poli\u00e7eyle 15 trilyon lira tutar\u0131nda toplam sigorta bedeline g\u00fcvence sa\u011flad\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. 6 milyar seviyesinden 60 milyara ula\u015fabilecek bir potansiyel bulundu\u011funu da s\u00f6yledi.<\/p>\n

Do\u011fal afetlerin \u00e7e\u015fitlenmesi, s\u0131kl\u0131\u011f\u0131n\u0131n ve y\u0131k\u0131c\u0131l\u0131\u011f\u0131n\u0131n artmas\u0131 nedeniyle konutlar\u0131 ve \u015fehirleri yaln\u0131zca depreme kar\u015f\u0131 koruman\u0131n yeterli olmad\u0131\u011f\u0131n\u0131 vurgulayan Kurtulan, \u201cDASK\u2019\u0131n kapsam\u0131n\u0131 depremin \u00f6tesine ta\u015f\u0131yacak Zorunlu Afet Sigortas\u0131 projemizde de gerek payda\u015flar\u0131m\u0131zla gerek kurum olarak t\u00fcm haz\u0131rl\u0131klar\u0131m\u0131z\u0131 tamamlam\u0131\u015f durumday\u0131z\u201d dedi.<\/p>\n

Zorunlu Afet Sigortas\u0131\u2019na (ZAS)<\/strong> ge\u00e7i\u015fle deprem ve di\u011fer do\u011fal afetlerin tek poli\u00e7ede kapsanmas\u0131n\u0131n planland\u0131\u011f\u0131n\u0131 belirten Kurtulan, depremde bina teminat\u0131na ek olarak sel, heyelan, f\u0131rt\u0131na, dolu, \u00e7\u0131\u011f ve orman yang\u0131nlar\u0131nda bina ve acil ihtiya\u00e7 teminat\u0131 sunulaca\u011f\u0131n\u0131 aktard\u0131. Mahalle \u00f6l\u00e7e\u011finde haz\u0131rlanan tarifelerde deprem i\u00e7in yedi, sel ve heyelan i\u00e7in be\u015f risk grubu olu\u015fturuldu\u011funu bildirdi. T\u00fcrkiye genelinde mahalle baz\u0131ndaki \u00e7al\u0131\u015fmalar\u0131n tamamland\u0131\u011f\u0131n\u0131 s\u00f6yleyen Kurtulan, kapsam\u0131n k\u00f6y alanlar\u0131n\u0131 da i\u00e7erece\u011fini kaydetti.<\/p>\n

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TARS\u0130M\u2019de kapsam ve eri\u015fim geni\u015fliyor<\/strong><\/h4>\n

Tar\u0131msal dayan\u0131kl\u0131l\u0131k ve g\u0131da g\u00fcvenli\u011finin s\u00fcrd\u00fcr\u00fclebilirlik g\u00fcndeminin temel unsurlar\u0131 aras\u0131nda bulundu\u011funu belirten Kurtulan, kurakl\u0131k, zamans\u0131z zirai don, dolu, sel, f\u0131rt\u0131na ve a\u015f\u0131r\u0131 s\u0131caklar\u0131n \u00fcretimde ciddi kay\u0131plara neden oldu\u011funu s\u00f6yledi.<\/p>\n

2005 y\u0131l\u0131nda kurulan Devlet Destekli Tar\u0131m Sigortalar\u0131 Sistemi\u2019nin (TARS\u0130M)<\/strong> bitkisel \u00fcretimden hayvanc\u0131l\u0131\u011fa, serac\u0131l\u0131ktan verim ve gelir kayb\u0131na kadar geni\u015f bir alanda \u00e7ift\u00e7ileri korudu\u011funu ifade eden Kurtulan, da\u011f\u0131t\u0131m kanallar\u0131n\u0131n etkinli\u011fini ve eri\u015fimini art\u0131r\u0131rken teminat kapsam\u0131n\u0131 da yenilik\u00e7i ve verim odakl\u0131 \u00fcr\u00fcnlerle geni\u015flettiklerini belirtti.<\/p>\n

D\u00f6rt \u00fcr\u00fcnde g\u00fcne\u015f yan\u0131kl\u0131\u011f\u0131n\u0131n, dokuz meyve t\u00fcr\u00fcnde ise k\u0131\u015f donunun kapsama al\u0131nd\u0131\u011f\u0131n\u0131 a\u00e7\u0131klayan Kurtulan, \u201c2027\u2019de zirai dona kar\u015f\u0131 korunan \u00fcr\u00fcn say\u0131s\u0131n\u0131n dokuzdan 25\u2019e \u00e7\u0131kar\u0131lmas\u0131 hedefleniyor. K\u0131\u015f donu teminat\u0131, temel sigorta paketi ve k\u00f6y bazl\u0131 verim sigortas\u0131nda y\u00fczde 70 devlet prim deste\u011fi uygulan\u0131yor\u201d dedi.<\/p>\n

Kurtulan, 2025\u2019te 23 milyar liras\u0131 zirai don kaynakl\u0131 olmak \u00fczere \u00fcreticilere toplam 35 milyar lira hasar \u00f6demesi yap\u0131ld\u0131\u011f\u0131n\u0131 bildirdi. Kas\u0131m 2026 ba\u015f\u0131 itibar\u0131yla yakla\u015f\u0131k 2,5 milyon poli\u00e7e d\u00fczenlendi\u011fini ve 15 milyar lira civar\u0131nda hasar \u00f6demesi ger\u00e7ekle\u015ftirildi\u011fini kaydetti.
S\u00fcrd\u00fcr\u00fclebilirli\u011fin sekt\u00f6re entegrasyonunun mevzuat yay\u0131mlamakla s\u0131n\u0131rl\u0131 olmad\u0131\u011f\u0131n\u0131 vurgulayan Kurtulan, \u201cRisk y\u00f6netimi yetkinli\u011fini, kurumsal yat\u0131r\u0131m g\u00fcc\u00fcn\u00fc, yenilik\u00e7i \u00fcr\u00fcn geli\u015ftirme kapasitesini ve toplumsal dayan\u0131kl\u0131l\u0131\u011fa katk\u0131y\u0131 ortak bir vizyonda birle\u015ftiren d\u00fczenleyici bir ekosistem olu\u015fturmay\u0131 hedefliyoruz. Bu ama\u00e7 do\u011frultusunda ulusal ve uluslararas\u0131 payda\u015flarla yak\u0131n i\u015f birli\u011fine haz\u0131r\u0131z\u201d diye konu\u015ftu.<\/p>\n

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Ta\u015fk\u0131n: Bir y\u0131lda 11,8 milyon konuta g\u00fcvence hedefleniyor<\/strong><\/h4>\n

Hazine ve Maliye Bakan Yard\u0131mc\u0131s\u0131 Kutluhan Ta\u015fk\u0131n<\/strong>, iklim de\u011fi\u015fikli\u011finin finansal istikrar, yat\u0131r\u0131mlar ve s\u00fcrd\u00fcr\u00fclebilir kalk\u0131nma \u00fczerindeki etkilerine dikkat \u00e7ekti. \u0130klim kaynakl\u0131 afetlerin \u015fiddetinin artmas\u0131yla dayan\u0131kl\u0131l\u0131\u011fa yat\u0131r\u0131m yapman\u0131n zorunluluk h\u00e2line geldi\u011fini belirten Ta\u015fk\u0131n, sigortac\u0131l\u0131\u011f\u0131n risk payla\u015f\u0131m\u0131n\u0131 m\u00fcmk\u00fcn k\u0131lan, \u00f6ng\u00f6r\u00fclebilirli\u011fi art\u0131ran ve gelecekteki finansal riskleri azaltan bir sistem oldu\u011funu s\u00f6yledi.<\/p>\n

T\u00fcrkiye\u2019nin afet risklerinin y\u00f6netimi ve finansman\u0131nda \u00f6nemli deneyimler kazand\u0131\u011f\u0131n\u0131 ifade eden Ta\u015fk\u0131n, DASK ve TARS\u0130M\u2019in kamu-\u00f6zel sekt\u00f6r i\u015f birli\u011fi ve etkin risk payla\u015f\u0131m\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli \u00f6rnekler sundu\u011funu kaydetti.<\/p>\n

26 y\u0131ll\u0131k DASK sisteminin iklim kaynakl\u0131 afetleri de kapsayacak \u015fekilde Zorunlu Afet Sigortas\u0131\u2019na d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesine y\u00f6nelik \u00e7al\u0131\u015fmalar\u0131n s\u00fcrd\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klayan Ta\u015fk\u0131n, \u201cPlanlanan geni\u015fleme kapsam\u0131nda bir y\u0131l i\u00e7inde yakla\u015f\u0131k 11,8 milyon konutun sel ve di\u011fer iklim kaynakl\u0131 risklere kar\u015f\u0131 sigorta g\u00fcvencesinden yararlanmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor\u201d dedi.<\/p>\n

Ta\u015fk\u0131n, bu d\u00f6n\u00fc\u015f\u00fcmle afetlerden kaynaklanan finansal risklerin daha b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn kamu bilan\u00e7olar\u0131ndan sigorta ve uluslararas\u0131 reas\u00fcrans piyasalar\u0131na aktar\u0131lmas\u0131n\u0131n, b\u00f6ylece kamu maliyesi \u00fczerindeki risklerin azalt\u0131lmas\u0131n\u0131n hedeflendi\u011fini belirtti.
Tar\u0131m sigortalar\u0131n\u0131n iklim de\u011fi\u015fikli\u011fine uyum politikalar\u0131n\u0131n hayati bile\u015fenlerinden biri oldu\u011funu s\u00f6yleyen Ta\u015fk\u0131n, TARS\u0130M\u2019in kamu destekleriyle \u00f6zel sekt\u00f6r kat\u0131l\u0131m\u0131n\u0131 bir araya getiren g\u00fc\u00e7l\u00fc bir risk payla\u015f\u0131m modeli olu\u015fturdu\u011funu ifade etti. Sistemin \u00e7ift\u00e7ileri korurken tar\u0131msal \u00fcretimin s\u00fcrd\u00fcr\u00fclebilirli\u011fini ve g\u0131da arz g\u00fcvenli\u011fini destekledi\u011fini vurgulayan Ta\u015fk\u0131n, uluslararas\u0131 i\u015f birli\u011fi ve iyi uygulamalar\u0131n payla\u015f\u0131lmas\u0131yla tar\u0131m sekt\u00f6r\u00fcn\u00fcn dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131labilece\u011fini kaydetti.<\/p>\n

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Ye\u015fil finansmanda sigorta ve emeklilik fonlar\u0131<\/strong><\/h4>\n

T\u00fcrkiye\u2019nin ye\u015fil d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecinde sigortac\u0131l\u0131\u011f\u0131 \u00f6nemli bir ortak olarak konumland\u0131rd\u0131\u011f\u0131n\u0131 belirten Ta\u015fk\u0131n, temmuz ay\u0131nda 2026\u20132029 d\u00f6nemini kapsayan Ye\u015fil Finans Stratejisi ve Eylem Plan\u0131<\/strong>\u2019n\u0131n yay\u0131mland\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131.<\/p>\n

Ta\u015fk\u0131n, strateji kapsam\u0131nda iklim ve do\u011fal kaynakl\u0131 risklerin y\u00f6netiminin g\u00fc\u00e7lendirilmesinin, sigorta sistemlerinin ye\u015fil varl\u0131klara yat\u0131r\u0131m yapmas\u0131n\u0131n te\u015fvik edilmesinin ve emisyon azalt\u0131m taahh\u00fctlerini destekleyen yenilik\u00e7i sigorta mekanizmalar\u0131n\u0131n geli\u015ftirilmesinin hedeflendi\u011fini s\u00f6yledi. Yeni iklim risklerine kar\u015f\u0131 kurumsal kapasitenin ve teknik uzmanl\u0131\u011f\u0131n art\u0131r\u0131lmas\u0131n\u0131n da planland\u0131\u011f\u0131n\u0131 belirtti.
Bireysel Emeklilik Sistemi\u2019nin s\u00fcrd\u00fcr\u00fclebilir finansmana katk\u0131s\u0131na de\u011finen Ta\u015fk\u0131n, s\u00fcrd\u00fcr\u00fclebilirlik odakl\u0131 fonlarda h\u00e2lihaz\u0131rda 13,4 milyar liral\u0131k yat\u0131r\u0131m bulundu\u011funu a\u00e7\u0131klad\u0131.<\/p>\n

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\u0130klim yat\u0131r\u0131mlar\u0131 i\u00e7in g\u00fc\u00e7l\u00fc risk payla\u015f\u0131m\u0131<\/strong><\/h4>\n

\u0130klim finansman\u0131n\u0131n yaln\u0131zca harekete ge\u00e7irilen sermaye miktar\u0131yla de\u011ferlendirilemeyece\u011fini belirten Ta\u015fk\u0131n, bu sermayeye ili\u015fkin risklerin nas\u0131l \u00f6l\u00e7\u00fcld\u00fc\u011f\u00fcn\u00fcn de \u00f6nemli oldu\u011funu vurgulad\u0131. Sigorta ve reas\u00fcrans mekanizmalar\u0131n\u0131n \u00f6zel sekt\u00f6r yat\u0131r\u0131mlar\u0131n\u0131n \u00f6n\u00fcn\u00fc a\u00e7arak iklim de\u011fi\u015fikli\u011fine uyum, yenilenebilir enerji, ye\u015fil sanayile\u015fme ve dayan\u0131kl\u0131 altyap\u0131 yat\u0131r\u0131mlar\u0131n\u0131 destekleyebilece\u011fini s\u00f6yledi.<\/p>\n

\u00d6zellikle geli\u015fmekte olan \u00fclkelerde sigorta kapsam\u0131n\u0131n geni\u015fletilmesinin ve risk transferinin g\u00fc\u00e7lendirilmesinin sistemik k\u0131r\u0131lganl\u0131klar\u0131 azaltmak a\u00e7\u0131s\u0131ndan \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131 kaydeden Ta\u015fk\u0131n, h\u00fck\u00fcmetler, d\u00fczenleyici otoriteler, sigorta ve reas\u00fcrans \u015firketleri, \u00e7ok tarafl\u0131 kalk\u0131nma bankalar\u0131 ve \u00f6zel sekt\u00f6r yat\u0131r\u0131mc\u0131lar\u0131 aras\u0131ndaki i\u015f birli\u011finin derinle\u015ftirilmesi \u00e7a\u011fr\u0131s\u0131nda bulundu.<\/p>\n

Daha g\u00fcvenilir iklim riski verilerine, g\u00fc\u00e7l\u00fc sigorta ve reas\u00fcrans kapasitesine ve yenilik\u00e7i risk payla\u015f\u0131m \u00e7\u00f6z\u00fcmlerine ihtiya\u00e7 duyuldu\u011funu belirten Ta\u015fk\u0131n, sekt\u00f6r\u00fcn yat\u0131r\u0131mlar\u0131n harekete ge\u00e7irilmesinde ve iklim dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131nda aktif bir ortak olarak konumlanmas\u0131 gerekti\u011fini vurgulad\u0131.<\/p>\n

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Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"

COP31 kapsam\u0131nda Antalya\u2019da d\u00fczenlenen K\u00fcresel Sigortac\u0131l\u0131k ve Dayan\u0131kl\u0131l\u0131k Zirvesi\u2019nin a\u00e7\u0131l\u0131\u015f\u0131nda, sigortac\u0131l\u0131\u011f\u0131n afet zararlar\u0131n\u0131n kar\u015f\u0131lanmas\u0131ndan risklerin \u00f6nlenmesine ve ye\u015fil yat\u0131r\u0131mlar\u0131n desteklenmesine uzanan rol\u00fc ele al\u0131nd\u0131. TSB Ba\u015fkan\u0131 Ahmet Ya\u015far, sigortac\u0131lar\u0131n projelere tasar\u0131m a\u015famas\u0131nda kat\u0131lmas\u0131 \u00e7a\u011fr\u0131s\u0131nda bulunurken SEDDK Ba\u015fkan Yard\u0131mc\u0131s\u0131 Ali Burak<\/p>\n","protected":false},"author":1,"featured_media":1241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1240","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1240"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1240\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/1241"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1240"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1240"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}