Türk sigorta sektöründe uygulanabilir alternatif tahsilat modelleri

Abstract

12Ö SUMMARY INSURANCE COMPANIES SHOULD HAVE A SYSTEMATIC COLLECTION POLICIES TO INCREASE THE INCOME, AND FOR INSURANCE SERVICES, DAMAGE PAYMENTS. DOWN PAYMENT INSTEAD OF PAYMENT BY MEANS OF 1NSTALLEMENT IS NOT SEEN REALISTIC IN TODAY'S CONT3TIDNS. BECAUSE OF THIS IT IS NOT TAKEN INTO CONSIDERATION. FIRST OF ALL, A DETERMINING WAS DONE FOR THE SOLUTION OF FUNDAMENTAL COLLECTION PROBLEM. THE RATE OF COLLECTION FROM AGENTS IS LESS THAN THE RATE OF THE DIRECT COLLECTION FROM INSURED. DUE TO, INCREASEMENT OF THE RATE OF THE COLLECTION FROM AGENTS WAS CONSIDERED IMPORTANT. POSTAL CHEQUE, CREDIT CARDS SYSTEMS SHALL BE APPLIED IN COLLECTION OF PREMIUMS THE RATE OF THE NON-PAID PREMIUMS DECREASE TO 27 * FROM 43 54. IN 199C>. WITH THE NUMBERS OF 1990, £.205.972.516.000X0. 16=357 BILLION INCOME FOR THE INSURANCE COMPANIES. IT IS SUPPOSED THAT, THIS AMOUNT COLLECTEDIN 12 MONTHS IN EQUAL QUANTITIES AND INVEST TO THE BANK AS A DUE DATE. APPROXIMATELY 95 BILLION INCOME SHALL BE GET. IN THE NEAR FUTURE, INSURANCE COMPANIES CAN CALCULATE THE 3NSTALLEMENT OF PREMIUM CLOSE TO ACTUAL BY THE CREDIT CARD APPLICATION OF AGENTS. THE EFFECTIVE USE OF BANKING SYSTEM WILL SPEEED UP PREMIUM121 FLOWING FROM THE AGENTS AND FROM INSUREDS TO THE COMPANIES. MORE EFFECTIVE PARTICIPATION OF THE COLLECTION DEPARTMENTS OF INSURANCE COMPANIES, WILL PROVIDE THE COLLECTION OF FUNDS IN A SHORT TIME. EARLY COLLECTION OF PREMIUMS WILL INCREASE THE FINANCIAL PROFJT. BY THE DECREASING OF TECHNIQUEL PROFIT, THE POLICY PREMIUMS WILL DECREASE. DECREASING OF POLICY PREMIUMS WILL CAUSE THE INCREASEMENT OF THE NUMBERS OF POLICIES AND TO RUN OF BIG NUMBERS LAW. SO, THE RATE OF THE DAMAGE PREMIUM ACCORDING TO THE TOTAL PREMIUM WILL DECREASE. FOR WORKING THIS SYSTEM, THE KEY POINT IS, THE COLLECTION OF PREMIUMS IN A SHORT TIME. r