{"id":919,"date":"2026-09-01T20:44:37","date_gmt":"2026-09-01T17:44:37","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=919"},"modified":"2026-09-01T20:44:37","modified_gmt":"2026-09-01T17:44:37","slug":"tsb-cop31de-sigortayi-iklim-donusumunun-merkezine-tasimaya-hazirlaniyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=919","title":{"rendered":"TSB, COP31\u2019de sigortay\u0131 iklim d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fcn merkezine ta\u015f\u0131maya haz\u0131rlan\u0131yor"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye Sigorta Birli\u011fi (TSB), 9-20 Kas\u0131m\u2019da Antalya\u2019da d\u00fczenlenecek COP31 \u00f6ncesinde sigorta sekt\u00f6r\u00fcn\u00fcn iklim g\u00fcndemine ili\u015fkin vizyonunu ve yol haritas\u0131n\u0131 a\u00e7\u0131klad\u0131. \u0130klim risklerinin \u00f6l\u00e7\u00fclmesi ve azalt\u0131lmas\u0131ndan afet finansman\u0131na, ye\u015fil yat\u0131r\u0131mlar\u0131n sigortalanabilirli\u011finden koruma a\u00e7\u0131\u011f\u0131n\u0131n daralt\u0131lmas\u0131na uzanan bir g\u00fcndemle COP31\u2019e haz\u0131rlanan TSB, \u201cSigorta Evi\u201dni ulusal ve uluslararas\u0131 payda\u015flar\u0131 bir araya getirecek bir uygulama ve i\u015f birli\u011fi platformu olarak konumland\u0131r\u0131yor.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye Sigorta Birli\u011fi (TSB), 9-20 Kas\u0131m 2026 tarihlerinde Antalya\u2019da ger\u00e7ekle\u015ftirilecek Birle\u015fmi\u015f Milletler \u0130klim De\u011fi\u015fikli\u011fi Konferans\u0131 (COP31) \u00f6ncesinde T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn haz\u0131rl\u0131klar\u0131n\u0131, \u00f6nceliklerini ve uluslararas\u0131 g\u00fcndeme ta\u015f\u0131may\u0131 hedefledi\u011fi ba\u015fl\u0131klar\u0131 a\u00e7\u0131klad\u0131.<\/p>\n<p class=\"wp-block-paragraph\">\u0130stanbul\u2019da d\u00fczenlenen bas\u0131n bulu\u015fmas\u0131nda TSB\u2019nin COP31 yakla\u015f\u0131m\u0131n\u0131n merkezine, iklim de\u011fi\u015fikli\u011finin yaratt\u0131\u011f\u0131 riskler kar\u015f\u0131s\u0131nda sigortan\u0131n yaln\u0131zca hasar sonras\u0131nda devreye giren bir finansal g\u00fcvence mekanizmas\u0131 olmaktan \u00e7\u0131karak riskin \u00f6l\u00e7\u00fclmesi, azalt\u0131lmas\u0131, payla\u015f\u0131lmas\u0131 ve d\u00f6n\u00fc\u015f\u00fcm yat\u0131r\u0131mlar\u0131n\u0131n hayata ge\u00e7irilmesinde daha etkin rol \u00fcstlenmesi yerle\u015ftirildi.<\/p>\n<p class=\"wp-block-paragraph\"><strong>TSB Ba\u015fkan\u0131 Ahmet Ya\u015far<\/strong> ba\u015fkanl\u0131\u011f\u0131nda ger\u00e7ekle\u015ftirilen bulu\u015fmaya <strong>TSB Ba\u015fkan Yard\u0131mc\u0131lar\u0131 Fahri U\u011fur ve Ayhan Sincek ile Y\u00f6netim Kurulu \u00dcyesi Neslihan Necibo\u011flu kat\u0131ld\u0131. Genel Sekreter \u00d6zg\u00fcr Obal\u0131 <\/strong>liderli\u011findeki TSB \u00fcst y\u00f6netiminin de yer ald\u0131\u011f\u0131 toplant\u0131n\u0131n \u00f6zel konu\u011fu <strong>Bo\u011fazi\u00e7i \u00dcniversitesi \u00d6\u011fretim \u00dcyesi, \u0130klim Bilimci Prof. Dr. Levent Kurnaz<\/strong> oldu.<\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"570\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/09\/Ozgur-Obali-Ayhan-Sincek-Prof.-Dr.-Levent-Kurnaz-Ahmet-Yasar-Fahri-Ugur-Neslihan-Neciboglu.JPG-855x570.jpeg\" alt=\"\" class=\"wp-image-131615\" \/><\/figure>\n<p class=\"wp-block-paragraph\">TSB\u2019nin COP31 vizyonunun \u00e7\u0131k\u0131\u015f noktas\u0131n\u0131, iklim risklerinin art\u0131k yaln\u0131zca \u00e7evresel bir sorun olarak de\u011ferlendirilemeyece\u011fi yakla\u015f\u0131m\u0131 olu\u015fturuyor. Fiziksel ve d\u00f6n\u00fc\u015f\u00fcm kaynakl\u0131 riskler; kamu b\u00fct\u00e7elerini, \u015firket bilan\u00e7olar\u0131n\u0131 ve hanehalk\u0131n\u0131 do\u011frudan etkilerken, sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131n b\u00fcy\u00fcmesi iklim ve afet kaynakl\u0131 kay\u0131plar\u0131n daha b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn haneler, i\u015fletmeler ve kamu b\u00fct\u00e7eleri \u00fczerinde kalmas\u0131na neden oluyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Ya\u015far: \u201cSigortan\u0131n rol\u00fcn\u00fc hasar \u00f6demesinin \u00f6tesine ta\u015f\u0131mak zorunday\u0131z\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u0130klim de\u011fi\u015fikli\u011finin sadece gelecek ku\u015faklar\u0131n meselesi olmad\u0131\u011f\u0131na dikkat \u00e7eken <strong>TSB Ba\u015fkan\u0131 Ahmet Ya\u015far<\/strong>, \u201cBug\u00fcn \u015fehirlerimizi, tar\u0131m\u0131m\u0131z\u0131, sanayimizi, enerji altyap\u0131m\u0131z\u0131 ve \u015firketlerimizin bilan\u00e7olar\u0131n\u0131 etkileyen ekonomik bir ger\u00e7eklik. B\u00f6yle bir ortamda sigortan\u0131n rol\u00fcn\u00fc yaln\u0131zca hasar ger\u00e7ekle\u015ftikten sonra \u00f6deme yapan bir sistem olarak tan\u0131mlayamay\u0131z\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Ya\u015far, sigorta sekt\u00f6r\u00fcn\u00fcn sahip oldu\u011fu veri, modelleme, risk m\u00fchendisli\u011fi ve finansal kapasitenin risk ger\u00e7ekle\u015fmeden \u00f6nce kullan\u0131lmas\u0131 gerekti\u011fini vurgulayarak \u201cSigorta; \u015fehirlerin, altyap\u0131lar\u0131n, enerji yat\u0131r\u0131mlar\u0131n\u0131n ve \u00fcretim tesislerinin tasar\u0131m\u0131ndan itibaren s\u00fcrecin i\u00e7inde olmal\u0131. Riskin do\u011fru anla\u015f\u0131lmas\u0131, azalt\u0131lmas\u0131, payla\u015f\u0131lmas\u0131 ve fiyatlanmas\u0131 yat\u0131r\u0131mlar\u0131 daha dayan\u0131kl\u0131 hale getirirken finansmana eri\u015fimi de kolayla\u015ft\u0131r\u0131yor. COP31\u2019de T\u00fcrkiye\u2019den d\u00fcnyaya, sigortan\u0131n iklim d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fcn yaln\u0131zca finansal g\u00fcvencesi de\u011fil, uygulama altyap\u0131s\u0131n\u0131n da temel unsurlar\u0131ndan biri oldu\u011fu mesaj\u0131n\u0131 vermek istiyoruz\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Koruma, finansman ve d\u00f6n\u00fc\u015f\u00fcm<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">TSB\u2019nin COP31 yol haritas\u0131nda sigortan\u0131n iklim eylemindeki rol\u00fc koruma, finansman ve d\u00f6n\u00fc\u015f\u00fcm olmak \u00fczere \u00fc\u00e7 temel i\u015flev \u00fczerinden tan\u0131mlan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Koruma aya\u011f\u0131nda veri, modelleme, erken uyar\u0131 sistemleri ve risk m\u00fchendisli\u011fi arac\u0131l\u0131\u011f\u0131yla risklerin azalt\u0131lmas\u0131 hedefleniyor. Finansman i\u015flevi; sigorta, reas\u00fcrans, risk havuzlar\u0131, parametrik \u00e7\u00f6z\u00fcmler ve alternatif risk transferi mekanizmalar\u0131yla risklerin payla\u015f\u0131lmas\u0131na dayan\u0131yor. D\u00f6n\u00fc\u015f\u00fcm aya\u011f\u0131nda ise temiz enerji, ye\u015fil sanayi, diren\u00e7li altyap\u0131 ve do\u011fa temelli yat\u0131r\u0131mlar\u0131n finansmana uygun hale getirilmesi ama\u00e7lan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">TSB bu yakla\u015f\u0131m\u0131, \u201cDo\u011fru \u00f6l\u00e7\u00fcm, etkin azalt\u0131m ve s\u00fcrd\u00fcr\u00fclebilir payla\u015f\u0131mla iklim eyleminin \u00f6l\u00e7eklenmesi\u201d \u00e7er\u00e7evesinde ortaya koyuyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Sigorta Evi uygulama ve i\u015f birli\u011fi platformu olacak<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Bu yakla\u015f\u0131m\u0131n COP31\u2019deki somut kar\u015f\u0131l\u0131\u011f\u0131n\u0131 ise Antalya\u2019da olu\u015fturulmas\u0131 planlanan Sigorta Evi olu\u015fturacak.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta Evi yaln\u0131zca bir etkinlik veya a\u011f\u0131rlama alan\u0131 olarak de\u011fil; sigorta ve reas\u00fcrans \u015firketleri, kamu otoriteleri, uluslararas\u0131 kurulu\u015flar, kalk\u0131nma finansman\u0131 kurumlar\u0131, yat\u0131r\u0131mc\u0131lar, reel sekt\u00f6r, akademi ve sivil toplumu bulu\u015fturacak bir uygulama ve i\u015f birli\u011fi platformu olarak tasarlan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Platformun \u00e7al\u0131\u015fmalar\u0131 be\u015f uygulama alan\u0131nda yo\u011funla\u015facak. \u0130klime diren\u00e7li \u015fehirler ve afet risk finansman\u0131 ba\u015fl\u0131\u011f\u0131nda \u015fehirlerin iklim afetleri kar\u015f\u0131s\u0131nda kamu b\u00fct\u00e7elerini ve kritik hizmetleri nas\u0131l koruyabilece\u011fi; temiz enerji ve ye\u015fil sanayile\u015fme alan\u0131nda sigorta kapasitesinin yat\u0131r\u0131mlar\u0131n \u00f6l\u00e7eklenmesinde bir darbo\u011faza d\u00f6n\u00fc\u015fmesini \u00f6nleyecek \u00e7\u00f6z\u00fcmler ele al\u0131nacak.<\/p>\n<p class=\"wp-block-paragraph\">G\u0131da g\u00fcvenli\u011fi ve do\u011fa temelli \u00e7\u00f6z\u00fcmler kapsam\u0131nda hem ge\u00e7im kaynaklar\u0131n\u0131n hem do\u011fal sistemlerin korunmas\u0131na y\u00f6nelik modeller de\u011ferlendirilecek. Veri, modelleme ve iklim risk haritas\u0131 \u00e7al\u0131\u015fmalar\u0131nda risk verilerinin yaln\u0131zca raporlama amac\u0131yla de\u011fil, yat\u0131r\u0131m ve fiyatlama kararlar\u0131n\u0131 de\u011fi\u015ftirecek bi\u00e7imde kullan\u0131lmas\u0131 hedeflenecek. Kapsay\u0131c\u0131 dayan\u0131kl\u0131l\u0131k ba\u015fl\u0131\u011f\u0131nda ise iklim politikalar\u0131n\u0131n varl\u0131klar\u0131n yan\u0131 s\u0131ra insanlar\u0131 ve toplum sa\u011fl\u0131\u011f\u0131n\u0131 da koruyacak \u015fekilde geli\u015ftirilmesine odaklan\u0131lacak.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Necibo\u011flu: \u201c\u00d6l\u00e7emedi\u011fimiz riski do\u011fru y\u00f6netemeyiz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>TSB Y\u00f6netim Kurulu \u00dcyesi Neslihan Necibo\u011flu<\/strong>, iklim risklerinin y\u00f6netiminde veri ve modellemenin yan\u0131 s\u0131ra ye\u015fil yat\u0131r\u0131mlar\u0131n ortaya \u00e7\u0131kard\u0131\u011f\u0131 yeni risk profillerinin do\u011fru anla\u015f\u0131lmas\u0131n\u0131n \u00f6nemine dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">\u201c\u00d6l\u00e7emedi\u011fimiz riski do\u011fru y\u00f6netemeyiz. Sigorta sekt\u00f6r\u00fcn\u00fcn hasar verileri, iklim modelleri ve ekonomik faaliyetlere ili\u015fkin veriler bir araya getirildi\u011finde yaln\u0131zca fiyatlama a\u00e7\u0131s\u0131ndan de\u011fil, riskin \u00f6nlenmesi a\u00e7\u0131s\u0131ndan da son derece g\u00fc\u00e7l\u00fc bir bilgi altyap\u0131s\u0131 ortaya \u00e7\u0131kabilir\u201d diyen Necibo\u011flu; r\u00fczg\u00e2r ve g\u00fcne\u015f enerjisi yat\u0131r\u0131mlar\u0131, batarya depolama sistemleri ve ye\u015fil sanayi projelerinin in\u015faat, yang\u0131n, performans, operasyon, i\u015f durmas\u0131 ve tedarik zinciri gibi farkl\u0131 riskler yaratt\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Necibo\u011flu, bu yat\u0131r\u0131mlar\u0131n uzun vadede s\u00fcrd\u00fcr\u00fclebilir ve finanse edilebilir olmas\u0131n\u0131n sigortalanabilirlikle do\u011frudan ba\u011flant\u0131l\u0131 oldu\u011funu vurgulayarak, \u201cT\u00fcrkiye \u0130klim Riski ve Sigorta \u00c7al\u0131\u015fmas\u0131 ile hangi b\u00f6lgede, hangi sekt\u00f6r\u00fcn, hangi iklim riskine ne \u00f6l\u00e7\u00fcde maruz oldu\u011funu daha net ortaya koymay\u0131 hedefliyoruz. Veriyi iklim dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131n; sigortay\u0131 ise ye\u015fil d\u00f6n\u00fc\u015f\u00fcm\u00fcn uygulama altyap\u0131s\u0131n\u0131n temel unsurlar\u0131ndan biri olarak g\u00f6rmeliyiz\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Sigorta Evi\u2019nde d\u00f6rt g\u00fcnl\u00fck program<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta Evi kapsam\u0131nda 11-14 Kas\u0131m tarihlerinde iki a\u015famal\u0131 bir program y\u00fcr\u00fct\u00fclmesi planlan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Program\u0131n 11-12 Kas\u0131m\u2019daki ilk b\u00f6l\u00fcm\u00fcnde \u201cTSB Liderli\u011finde Sekt\u00f6r Bulu\u015fmas\u0131\u201d ger\u00e7ekle\u015ftirilecek. Yerel ve sekt\u00f6rel kapasiteye odaklanacak programda \u015fehir afetlerinin finansman\u0131, temiz enerji yat\u0131r\u0131mlar\u0131n\u0131n sigortalanabilirli\u011fi, g\u0131da g\u00fcvenli\u011fi modelleri ve te\u015fvik yap\u0131lar\u0131 ele al\u0131nacak.<\/p>\n<p class=\"wp-block-paragraph\">13-14 Kas\u0131m\u2019da ise Birle\u015fmi\u015f Milletler \u00c7evre Program\u0131 Finans Giri\u015fimi (UNEP FI) i\u015f birli\u011fiyle COP31 Global Sustainable Insurance Summit d\u00fczenlenmesi planlan\u0131yor. Zirvede finansal istikrar, sigorta koruma a\u00e7\u0131\u011f\u0131, s\u00fcrd\u00fcr\u00fclebilir risk kabul\u00fc, do\u011fan\u0131n finansal sisteme entegrasyonu ve kapsay\u0131c\u0131 dayan\u0131kl\u0131l\u0131k ba\u015fl\u0131klar\u0131n\u0131n uluslararas\u0131 \u00f6l\u00e7ekte ele al\u0131nmas\u0131 hedefleniyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Obal\u0131: \u201cBa\u015far\u0131y\u0131 COP31 sonras\u0131nda hayata ge\u00e7en uygulamalarla \u00f6l\u00e7ece\u011fiz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>TSB Genel Sekreteri \u00d6zg\u00fcr Obal\u0131<\/strong>, COP31 haz\u0131rl\u0131klar\u0131n\u0131n b\u00fct\u00fcnc\u00fcl bir program yakla\u015f\u0131m\u0131yla y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fcn\u00fc belirterek Sigorta Evi\u2019nin temel hedefinin tart\u0131\u015fmadan uygulamaya ge\u00e7i\u015f oldu\u011funu s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Afetlerin ard\u0131ndan kaynak aramak yerine risk ger\u00e7ekle\u015fmeden \u00f6nce finansal koruma olu\u015fturulmas\u0131 gerekti\u011fini vurgulayan Obal\u0131; sigorta, reas\u00fcrans, risk havuzlar\u0131 ve alternatif risk transfer mekanizmalar\u0131n\u0131n kamu maliyesi \u00fczerindeki y\u00fck\u00fc azaltabilecek ara\u00e7lar oldu\u011funu belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Obal\u0131, \u201cCOP31\u2019i d\u00f6rt g\u00fcnl\u00fck bir etkinlik takvimi olarak g\u00f6rm\u00fcyoruz. Kamu ile \u00f6zel sekt\u00f6r\u00fcn afet riskini birlikte ta\u015f\u0131yabilece\u011fi uygulanabilir modeller geli\u015ftirmek istiyoruz. Ba\u015far\u0131y\u0131 ka\u00e7 toplant\u0131 yapt\u0131\u011f\u0131m\u0131zla de\u011fil; karar alma s\u00fcre\u00e7lerine girecek risk verileri, kurulacak uluslararas\u0131 ortakl\u0131klar, yarat\u0131lacak yeni finansman kapasitesi ve hayata ge\u00e7irilecek pilot projelerle \u00f6l\u00e7ece\u011fiz\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>COP31 sonras\u0131nda somut \u00e7\u0131kt\u0131lar hedefleniyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">TSB, Sigorta Evi \u00e7al\u0131\u015fmalar\u0131n\u0131n konferansla s\u0131n\u0131rl\u0131 kalmamas\u0131n\u0131 ve COP31 sonras\u0131na ta\u015f\u0131nacak somut sonu\u00e7lar \u00fcretmesini hedefliyor.<\/p>\n<p class=\"wp-block-paragraph\">Bunlar\u0131n ba\u015f\u0131nda b\u00f6lgesel ve sekt\u00f6rel risklerin bilimsel modeller ve ekonomik maruziyetler \u00fczerinden de\u011ferlendirilece\u011fi \u201cT\u00fcrkiye \u0130klim Riski ve Sigorta \u00c7al\u0131\u015fmas\u0131\u201d geliyor. Afet finansman\u0131, koruma a\u00e7\u0131\u011f\u0131 ve kamu-\u00f6zel sekt\u00f6r modelleri i\u00e7in uygulanabilir politika \u00e7er\u00e7evelerinin olu\u015fturulmas\u0131; erken uyar\u0131, tar\u0131m, enerji ve do\u011fa temelli \u00e7\u00f6z\u00fcmlerde uluslararas\u0131 \u00f6l\u00e7ekte kan\u0131tlanm\u0131\u015f \u015firket uygulamalar\u0131n\u0131n payla\u015f\u0131lmas\u0131 da hedefler aras\u0131nda bulunuyor.<\/p>\n<p class=\"wp-block-paragraph\">COP31 sonras\u0131nda ara\u015ft\u0131rmalar ve uluslararas\u0131 temaslarla faaliyetlerini s\u00fcrd\u00fcrecek kal\u0131c\u0131 bir i\u015f birli\u011fi platformunun kurulmas\u0131 ve kamu, \u00f6zel sekt\u00f6r ile uluslararas\u0131 kurulu\u015flar\u0131n kat\u0131l\u0131m\u0131yla yeni risk transfer mekanizmalar\u0131n\u0131n pilot uygulamalar\u0131n\u0131n geli\u015ftirilmesi de planlan\u0131yor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>DASK ve TARS\u0130M deneyimi uluslararas\u0131 g\u00fcndeme ta\u015f\u0131nacak<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">TSB\u2019nin COP31 vizyonunda T\u00fcrkiye yaln\u0131zca ba\u015far\u0131l\u0131 uygulamalar\u0131n sergilenece\u011fi bir \u00fclke olarak de\u011fil; \u015fehirle\u015fme, afet, tar\u0131m, enerji ve sanayi d\u00f6n\u00fc\u015f\u00fcm\u00fc gibi \u00e7ok katmanl\u0131 risklerin e\u015f zamanl\u0131 y\u00f6netildi\u011fi k\u00fcresel bir \u201cuygulama ve \u00f6\u011frenme alan\u0131\u201d olarak konumland\u0131r\u0131l\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019nin TARS\u0130M ile tar\u0131msal risklerde geli\u015ftirdi\u011fi kamu-\u00f6zel sekt\u00f6r i\u015f birli\u011fi modeli ve DASK ile b\u00fcy\u00fck \u00f6l\u00e7ekli afet risklerinin havuzlanmas\u0131 ve \u00f6nceden finansman\u0131nda kazand\u0131\u011f\u0131 deneyimin de uluslararas\u0131 tart\u0131\u015fmalara katk\u0131 sa\u011flamas\u0131 hedefleniyor.<\/p>\n<p class=\"wp-block-paragraph\">Ya\u015far, iklim dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131n yaln\u0131zca fiziksel varl\u0131klarla s\u0131n\u0131rland\u0131r\u0131lmamas\u0131 gerekti\u011fini belirterek, \u201c\u0130klim dayan\u0131kl\u0131l\u0131\u011f\u0131ndan s\u00f6z ederken yaln\u0131zca binalar\u0131, fabrikalar\u0131 veya altyap\u0131y\u0131 d\u00fc\u015f\u00fcnemeyiz. \u0130nsanlar\u0131n ya\u015famlar\u0131n\u0131, gelirlerini ve geleceklerini koruyabilecek finansal mekanizmalara da ihtiya\u00e7 var. Koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmak, sigortaya eri\u015fimi geni\u015fletmek ve kapsay\u0131c\u0131 \u00e7\u00f6z\u00fcmler geli\u015ftirmek bu nedenle kritik\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">COP31\u2019in mikro sigorta, sosyal koruma modelleri ve daha geni\u015f kesimlere ula\u015fabilecek sigorta \u00e7\u00f6z\u00fcmlerinin tart\u0131\u015f\u0131lmas\u0131 i\u00e7in de \u00f6nemli bir f\u0131rsat yarataca\u011f\u0131n\u0131 belirten Ya\u015far, \u201cDayan\u0131kl\u0131l\u0131k ancak toplumun t\u00fcm kesimlerini kapsad\u0131\u011f\u0131nda ger\u00e7ek anlam\u0131n\u0131 kazan\u0131r. Sigorta sekt\u00f6r\u00fcn\u00fcn teknoloji, veri ve yeni \u00fcr\u00fcn modellerini kullanarak daha fazla insana ula\u015fmas\u0131 \u00f6n\u00fcm\u00fczdeki d\u00f6nemin \u00f6nemli sorumluluklar\u0131ndan biri olacak\u201d diye konu\u015ftu.<\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"570\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/09\/Prof.-Dr.-Levent-Kurnaz.JPG-855x570.jpeg\" alt=\"\" class=\"wp-image-131616\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>Kurnaz: \u201cHangi \u00fclke oldu\u011funuz, kar\u015f\u0131 kar\u015f\u0131ya kal\u0131nan risk a\u00e7\u0131s\u0131ndan \u00e7ok \u00f6nemli\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Bulu\u015fman\u0131n \u00f6zel konu\u011fu <strong>Bo\u011fazi\u00e7i \u00dcniversitesi \u00d6\u011fretim \u00dcyesi, \u0130klim Bilimci Prof. Dr. Levent Kurnaz <\/strong>da iklim de\u011fi\u015fikli\u011finin T\u00fcrkiye ve d\u00fcnya a\u00e7\u0131s\u0131ndan olu\u015fturdu\u011fu riskleri, bunlar\u0131n ekonomik ve toplumsal etkilerini ve sigorta sekt\u00f6r\u00fcn\u00fcn m\u00fccadelede \u00fcstlenebilece\u011fi rol\u00fc de\u011ferlendirdi.<\/p>\n<p class=\"wp-block-paragraph\">\u201cHangi \u00fclke oldu\u011funuz, kar\u015f\u0131 kar\u015f\u0131ya kal\u0131nan risk a\u00e7\u0131s\u0131ndan \u00e7ok \u00f6nemli\u201d diyen Kurnaz, \u00fclkelerin iklim riskleri kar\u015f\u0131s\u0131ndaki farkl\u0131 konumlar\u0131na dikkat \u00e7ekerek T\u00fcrkiye\u2019nin kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fu riskleri ve al\u0131nmas\u0131 gereken \u00f6nlemleri \u00f6rneklerle aktard\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Toplant\u0131da sekt\u00f6r\u00fcn ilk yar\u0131 g\u00f6r\u00fcn\u00fcm\u00fc de de\u011ferlendirildi<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">COP31 haz\u0131rl\u0131klar\u0131n\u0131n yan\u0131 s\u0131ra toplant\u0131da sigorta ve bireysel emeklilik sekt\u00f6r\u00fcn\u00fcn 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131ndaki performans\u0131 ve uzun vadeli hedefleri de ele al\u0131nd\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r\u00fcn toplam prim \u00fcretimi haziran sonu itibar\u0131yla ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 29 artarak 744 milyar TL\u2019ye ula\u015ft\u0131. Bunun 629 milyar TL\u2019sini hayat d\u0131\u015f\u0131, 115 milyar TL\u2019sini hayat bran\u015f\u0131 olu\u015fturdu.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r\u00fcn aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde 4,4 trilyon TL\u2019ye, ekonomiye sa\u011flad\u0131\u011f\u0131 fon 3,6 trilyon TL\u2019ye y\u00fckseldi. 2025 y\u0131l sonu itibar\u0131yla sa\u011flanan teminat tutar\u0131 ise 1,3 katrilyon TL olarak a\u00e7\u0131kland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019de faaliyet g\u00f6steren 67 sigorta, emeklilik ve reas\u00fcrans \u015firketinin 44\u2019\u00fcn\u00fc hayat d\u0131\u015f\u0131, 19\u2019unu hayat ve emeklilik, d\u00f6rd\u00fcn\u00fc reas\u00fcrans \u015firketleri olu\u015fturuyor. Aktif sigortal\u0131 say\u0131s\u0131 34,7 milyona ula\u015ft\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Trafik ve sa\u011fl\u0131k prim \u00fcretiminde \u00f6ne \u00e7\u0131kt\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda trafik sigortas\u0131nda prim \u00fcretimi ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 33 artarak 152 milyar TL\u2019ye ula\u015ft\u0131. Hastal\u0131k-sa\u011fl\u0131kta y\u00fczde 35 art\u0131\u015fla 145 milyar TL, hayat bran\u015f\u0131nda y\u00fczde 46 art\u0131\u015fla 115 milyar TL, yang\u0131n ve do\u011fal afetlerde y\u00fczde 23 art\u0131\u015fla 97 milyar TL, genel zararlarda y\u00fczde 52 art\u0131\u015fla 83 milyar TL ve kaskoda y\u00fczde 25 art\u0131\u015fla 82 milyar TL prim \u00fcretildi. Di\u011fer bran\u015flar\u0131n toplam \u00fcretimi ise y\u00fczde 10 azalarak 69 milyar TL oldu.<\/p>\n<p class=\"wp-block-paragraph\">Hayat d\u0131\u015f\u0131 \u015firketlerin teknik k\u00e2r\u0131 75,6 milyar TL\u2019ye, d\u00f6nem sonu k\u00e2r\u0131 67,5 milyar TL\u2019ye ula\u015ft\u0131. Br\u00fct \u00f6denen hasarlar 286,1 milyar TL\u2019ye y\u00fckselirken toplam aktifler 1,5 trilyon TL\u2019yi, \u00f6zsermaye ise 394,5 milyar TL\u2019yi a\u015ft\u0131. Sermaye yeterlilik rasyosu y\u00fczde 173,4, hasar\/prim oran\u0131 y\u00fczde 70,6, bile\u015fik rasyo ise y\u00fczde 91,7 olarak ger\u00e7ekle\u015fti.<\/p>\n<p class=\"wp-block-paragraph\">TSB Ba\u015fkan Yard\u0131mc\u0131s\u0131 Fahri U\u011fur, \u201cBu tablo, sekt\u00f6r\u00fcn hem hasar \u00f6deme g\u00fcc\u00fcn\u00fc hem de ekonomiye sa\u011flad\u0131\u011f\u0131 g\u00fcvenceyi b\u00fcy\u00fctt\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde \u00f6nceli\u011fimiz; s\u00fcrd\u00fcr\u00fclebilir teknik dengeyi korurken sigorta penetrasyonunu art\u0131rmak, koruma a\u00e7\u0131\u011f\u0131n\u0131 daraltmak ve daha geni\u015f kesimleri sigorta g\u00fcvencesiyle bulu\u015fturmak olacak\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>BES ve OKS\u2019de fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 2,4 trilyon TL\u2019yi a\u015ft\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Hayat ve emeklilik \u015firketlerinin teknik k\u00e2r\u0131 25,3 milyar TL\u2019ye, d\u00f6nem sonu k\u00e2r\u0131 36,1 milyar TL\u2019ye, toplam aktifleri 2,9 trilyon TL\u2019ye ve \u00f6zsermayesi 117,4 milyar TL\u2019ye y\u00fckseldi. Sermaye yeterlilik rasyosu y\u00fczde 300,9 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n<p class=\"wp-block-paragraph\">Emeklilik G\u00f6zetim Merkezi\u2019nin Haziran 2026 verilerine g\u00f6re BES ve OKS\u2019de toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 2 trilyon 401 milyar TL\u2019ye ula\u015ft\u0131. Bunun 2 trilyon 248 milyar TL\u2019sini BES, 153 milyar TL\u2019sini OKS fonlar\u0131 olu\u015fturdu. Toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 2022\u2019de 433 milyar TL seviyesindeyken Haziran 2026 itibar\u0131yla yakla\u015f\u0131k 5,5 kat\u0131na \u00e7\u0131kt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">BES ve OKS\u2019de toplam tekil kat\u0131l\u0131mc\u0131 say\u0131s\u0131 16,9 milyon oldu. Bunun 9,2 milyonunu BES, 7,7 milyonunu OKS kat\u0131l\u0131mc\u0131lar\u0131 olu\u015fturdu. BES\u2019ten emekli olanlar\u0131n say\u0131s\u0131 da 487 bin 118\u2019e y\u00fckseldi.<\/p>\n<p class=\"wp-block-paragraph\">TSB Ba\u015fkan Yard\u0131mc\u0131s\u0131 Ayhan Sincek, \u201cHayat sigortalar\u0131 ailelerin gelir ve ya\u015fam risklerine kar\u015f\u0131 korunmas\u0131n\u0131 sa\u011flarken BES ve OKS, bireylerin gelecekleri i\u00e7in d\u00fczenli birikim yapmas\u0131na imk\u00e2n veriyor. \u0130lk yar\u0131 sonu\u00e7lar\u0131, bu iki alan\u0131n finansal g\u00fcvenlik ve uzun vadeli tasarruf a\u00e7\u0131s\u0131ndan ta\u015f\u0131d\u0131\u011f\u0131 potansiyeli a\u00e7\u0131k bi\u00e7imde ortaya koyuyor\u201d diye konu\u015ftu.<\/p>\n<p class=\"wp-block-paragraph\">Sincek ayr\u0131ca \u00f6n\u00fcm\u00fczdeki d\u00f6nemde dijital eri\u015fimin geli\u015ftirilmesi, gen\u00e7ler ve farkl\u0131 gelir gruplar\u0131na y\u00f6nelik \u00fcr\u00fcn \u00e7e\u015fitlili\u011finin art\u0131r\u0131lmas\u0131 ve sistemde kal\u0131c\u0131l\u0131\u011f\u0131 destekleyen uygulamalar\u0131n g\u00fc\u00e7lendirilmesinin b\u00fcy\u00fcmenin kalitesi a\u00e7\u0131s\u0131ndan belirleyici olaca\u011f\u0131n\u0131 ifade etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>2030 hedefi y\u00fczde 4,7 penetrasyon ve 50 milyar dolar prim<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019de 2025 y\u0131l\u0131 i\u00e7in y\u00fczde 2,62 seviyesinde tahmin edilen sigorta penetrasyon oran\u0131, 2024 itibar\u0131yla y\u00fczde 6,2 olan OECD ortalamas\u0131n\u0131n alt\u0131nda bulunuyor. TSB, 2030 y\u0131l\u0131na kadar T\u00fcrkiye\u2019nin sigorta penetrasyonunu y\u00fczde 4,7\u2019ye, toplam prim \u00fcretimini ise 50 milyar dolara \u00e7\u0131karmay\u0131 hedefliyor. Prim \u00fcretimi 2025 y\u0131l\u0131nda 30,9 milyar dolar seviyesinde bulunuyordu.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r 2025 y\u0131l\u0131 itibar\u0131yla do\u011frudan 27 bin 757 ki\u015fiye, ekosistemiyle birlikte ise 200 binin \u00fczerinde ki\u015fiye istihdam sa\u011fl\u0131yor. \u00c7al\u0131\u015fanlar\u0131n y\u00fczde 56\u2019s\u0131n\u0131 kad\u0131nlar olu\u015ftururken \u00fcniversite ve \u00fczeri e\u011fitim d\u00fczeyine sahip \u00e7al\u0131\u015fanlar\u0131n oran\u0131 y\u00fczde 80.<\/p>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019de sigorta sekt\u00f6r\u00fcnde her 1 milyon ki\u015fiye yakla\u015f\u0131k 323 \u00e7al\u0131\u015fan d\u00fc\u015ferken Avrupa\u2019da bu say\u0131 yakla\u015f\u0131k 1.770 seviyesinde bulunuyor. Avrupa\u2019daki sigorta istihdam yo\u011funlu\u011fu b\u00f6ylece T\u00fcrkiye\u2019nin yakla\u015f\u0131k 5,5 kat\u0131na ula\u015f\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fc ayr\u0131ca do\u011frudan veya dolayl\u0131 olarak 35\u2019in \u00fczerinde end\u00fcstriyle etkile\u015fim i\u00e7inde bulunuyor. Sekt\u00f6r; risklerin y\u00f6netilmesi, sermayenin korunmas\u0131, yat\u0131r\u0131mlar\u0131n m\u00fcmk\u00fcn hale getirilmesi ve s\u00fcrd\u00fcr\u00fclebilir kalk\u0131nman\u0131n desteklenmesi a\u00e7\u0131s\u0131ndan ekonomide geni\u015f bir etki alan\u0131na sahip.<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Ftsb-cop31de-sigortayi-iklim-donusumunun-merkezine-tasimaya-hazirlaniyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye Sigorta Birli\u011fi (TSB), 9-20 Kas\u0131m\u2019da Antalya\u2019da d\u00fczenlenecek COP31 \u00f6ncesinde sigorta sekt\u00f6r\u00fcn\u00fcn iklim g\u00fcndemine ili\u015fkin vizyonunu ve yol haritas\u0131n\u0131 a\u00e7\u0131klad\u0131. \u0130klim risklerinin \u00f6l\u00e7\u00fclmesi ve azalt\u0131lmas\u0131ndan afet finansman\u0131na, ye\u015fil yat\u0131r\u0131mlar\u0131n sigortalanabilirli\u011finden koruma a\u00e7\u0131\u011f\u0131n\u0131n daralt\u0131lmas\u0131na uzanan bir g\u00fcndemle COP31\u2019e haz\u0131rlanan TSB, \u201cSigorta<\/p>\n","protected":false},"author":1,"featured_media":920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-919","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\/919","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=919"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/919\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/920"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}