{"id":536,"date":"2026-03-08T08:33:54","date_gmt":"2026-03-08T08:33:54","guid":{"rendered":"https:\/\/astrabroker.net\/?p=536"},"modified":"2026-03-08T09:10:42","modified_gmt":"2026-03-08T09:10:42","slug":"2026-yilinda-alacak-sigortasi-ve-kobileri-neler-bekliyor","status":"publish","type":"post","link":"https:\/\/astrabroker.net\/en\/2026-yilinda-alacak-sigortasi-ve-kobileri-neler-bekliyor\/","title":{"rendered":"2026 Y\u0131l\u0131nda Alacak Sigortas\u0131 ve KOB\u0130’leri Neler Bekliyor?"},"content":{"rendered":"
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YouTube platformunda yay\u0131nlanan\u00a0Bak\u0131\u015f<\/span>\u00a0program\u0131n\u0131n 11 \u015eubat 2026 tarihli b\u00f6l\u00fcm\u00fcnde, sunucu\u00a0Noyan Bey<\/span>‘in konu\u011fu\u00a0T\u00fcrk Reas\u00fcrans Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Ali Serta\u00e7 Canal<\/span>\u00a0oldu. Programda, 2025 y\u0131l\u0131n\u0131n zorlu ekonomik tablosu de\u011ferlendirilirken, 2026 y\u0131l\u0131nda KOB\u0130’leri nelerin bekledi\u011fi ve Devlet Destekli Alacak Sigortas\u0131’n\u0131n i\u015fletmeler i\u00e7in sundu\u011fu hayati \u00e7\u00f6z\u00fcmler masaya yat\u0131r\u0131ld\u0131.<\/p>\n

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2025’in Faturas\u0131 A\u011f\u0131r Oldu, 2026 \u0130malat Sekt\u00f6r\u00fc \u0130\u00e7in Zorlu Ge\u00e7ecek<\/span><\/p>\n

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Bak\u0131\u015f program\u0131 sunucusu Noyan Bey’in, 2025 y\u0131l\u0131n\u0131n konkordatolar a\u00e7\u0131s\u0131ndan rekorlar\u0131n k\u0131r\u0131ld\u0131\u011f\u0131 bir y\u0131l oldu\u011funu hat\u0131rlatmas\u0131 \u00fczerine Ali Serta\u00e7 Canal, 2026 y\u0131l\u0131n\u0131n da maalesef 2025’i aratmayaca\u011f\u0131n\u0131 belirtti. Canal, ge\u00e7mi\u015f krizlerden farkl\u0131 olarak bu kez b\u00fcy\u00fck sanayi \u015firketlerinin finansal s\u0131k\u0131nt\u0131lara d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc ve bu durumun onlarla \u00e7al\u0131\u015fan KOB\u0130’leri do\u011frudan etkiledi\u011fini vurgulad\u0131. Ayr\u0131ca, firma sahiplerinin tutuklanmas\u0131 veya \u015firketlere kayyum atanmas\u0131 gibi adli durumlar\u0131n da piyasada ciddi bir belirsizlik yaratt\u0131\u011f\u0131na dikkat \u00e7ekti.<\/p>\n

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Ali Serta\u00e7 Canal, 2026 y\u0131l\u0131na dair beklentilerini \u015fu s\u00f6zlerle ifade etti: “G\u00f6stergeler \u015fu anda konkordatolar\u0131n, \u00e7ek yaz\u0131lmalar\u0131n\u0131n ve senet protestolar\u0131n\u0131n artma trendinin devam edece\u011fini g\u00f6steriyor. \u00d6zellikle imalat sekt\u00f6r\u00fcnde PMI verilerindeki d\u00fc\u015f\u00fc\u015fler, bu sekt\u00f6r\u00fcn zorluklar\u0131 ya\u015famaya devam edece\u011fine i\u015faret ediyor”.<\/p>\n

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Devlet Destekli Alacak Sigortas\u0131ndan “Koruyucu Hekimlik” Uygulamas\u0131<\/strong><\/p>\n

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Noyan Bey’in hasar s\u00fcre\u00e7lerinin nas\u0131l i\u015fledi\u011fine y\u00f6nelik sorusunu yan\u0131tlayan Canal, sunduklar\u0131 sistemin sadece bir sigorta de\u011fil, ayn\u0131 zamanda bir risk y\u00f6netimi mekanizmas\u0131 oldu\u011funu anlatt\u0131. KOB\u0130’lerin al\u0131c\u0131 firmalar\u0131n\u0131 \u00e7ek, senet ve risk raporlar\u0131 \u00fczerinden g\u00fcnl\u00fck olarak takip ettiklerini belirten Canal, bu sistemi “koruyucu hekimlik”<\/strong> olarak adland\u0131rd\u0131.<\/p>\n

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Canal, “Daha KOB\u0130’mizin kendisinde bir problem olmadan, biz al\u0131c\u0131 firman\u0131n \u00e7ekinin yaz\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcp KOB\u0130’mizi uyarabiliyoruz. Onlara yeni risk almamalar\u0131n\u0131, m\u00fcmk\u00fcnse vadesiz, pe\u015fin, kredi kart\u0131 ya da banka teminat mektubu gibi daha g\u00fcvenli yollarla ticaret yapmalar\u0131n\u0131 tavsiye ediyoruz” s\u00f6zleriyle sistemin \u00f6nleyici g\u00fcc\u00fcne vurgu yapt\u0131. Noyan Bey ise bu uygulaman\u0131n, riski \u00f6nceden tespit edip KOB\u0130’yi uyarmas\u0131 a\u00e7\u0131s\u0131ndan \u00e7ok b\u00fcy\u00fck bir katma de\u011fer oldu\u011funu dile getirdi.<\/p>\n

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Konkordato Durumunda KOB\u0130’ler Bekletilmiyor<\/strong><\/p>\n

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Programda \u00f6ne \u00e7\u0131kan bir di\u011fer konu, konkordato s\u00fcre\u00e7leriydi. Canal, al\u0131c\u0131 firman\u0131n konkordato ilan etmesi durumunda sigortal\u0131 KOB\u0130’nin tahsilat kuyru\u011funda bekletilmedi\u011fini a\u00e7\u0131klad\u0131. KOB\u0130’ye tazminat\u0131n h\u0131zl\u0131ca \u00f6dendi\u011fini ve ard\u0131ndan T\u00fcrk Reas\u00fcrans’\u0131n hukuki s\u00fcreci devralarak alacakl\u0131 s\u0131ras\u0131na girdi\u011fini belirten Canal, “2019 y\u0131l\u0131nda \u00f6dedi\u011fimiz bir tazminat\u0131n tahsilat\u0131n\u0131 yasal faiziyle birlikte 6-6,5 y\u0131l sonra bile yapabiliyoruz; asli g\u00f6revimiz KOB\u0130’mizi bu kadar uzun s\u00fcre bekletmeyip riskten ay\u0131rmakt\u0131r” ifadelerini kulland\u0131.<\/p>\n

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Primler 2019’dan Beri Sabit, Pazardaki K\u00fc\u00e7\u00fclmenin Nedeni Farkl\u0131<\/strong><\/p>\n

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Yay\u0131n s\u0131ras\u0131nda Noyan Bey’in risklerin ve ticari iflaslar\u0131n artt\u0131\u011f\u0131 bir ortamda alacak sigortas\u0131 pazar\u0131n\u0131n neden darald\u0131\u011f\u0131n\u0131 sormas\u0131 \u00fczerine Canal, piyasadaki ilgin\u00e7 bir de\u011fi\u015fime dikkat \u00e7ekti. \u0130\u015fletmelerin yang\u0131n veya makine k\u0131r\u0131lmas\u0131 gibi standart sigortalar\u0131n\u0131 yapt\u0131rmaya devam etti\u011fini, ancak konu ticari alacak sigortas\u0131 oldu\u011funda vadeli sat\u0131\u015f cirolar\u0131n\u0131 d\u00fc\u015f\u00fcrerek, ticarette k\u00fc\u00e7\u00fclmeyi g\u00f6ze al\u0131p pe\u015fin \u00e7al\u0131\u015fmay\u0131 tercih ettiklerini belirtti.<\/p>\n

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Canal ayr\u0131ca, ya\u015fanan enflasyonist ortama ra\u011fmen Devlet Destekli Alacak Sigortas\u0131 primlerinin 2019 y\u0131l\u0131ndan bu yana hi\u00e7 art\u0131r\u0131lmad\u0131\u011f\u0131n\u0131 ve devletin bu yolla KOB\u0130’lere \u00f6rt\u00fcl\u00fc bir prim deste\u011fi sa\u011flad\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n

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Sat\u0131\u015f kanallar\u0131nda da ciddi bir de\u011fi\u015fim ya\u015fand\u0131\u011f\u0131n\u0131 belirten Canal, ilk y\u0131llarda banka kredileri \u00fczerinden ilerleyen sistemin, g\u00fcn\u00fcm\u00fczde banka kredilerindeki azalma ve i\u015fletmelerin birebir risk dan\u0131\u015fmanl\u0131\u011f\u0131na duydu\u011fu ihtiya\u00e7 nedeniyle %90 oran\u0131nda acente ve brokerler \u00fczerinden y\u00fcr\u00fcd\u00fc\u011f\u00fcn\u00fc s\u00f6zlerine ekledi.<\/p>\n

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\u00a0 \u00a0 YouTube platformunda yay\u0131nlanan\u00a0Bak\u0131\u015f\u00a0program\u0131n\u0131n 11 \u015eubat 2026 tarihli b\u00f6l\u00fcm\u00fcnde, sunucu\u00a0Noyan Bey’in konu\u011fu\u00a0T\u00fcrk Reas\u00fcrans Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Ali Serta\u00e7 Canal\u00a0oldu. Programda, 2025 y\u0131l\u0131n\u0131n zorlu ekonomik tablosu de\u011ferlendirilirken, 2026 y\u0131l\u0131nda KOB\u0130’leri nelerin bekledi\u011fi ve Devlet Destekli Alacak Sigortas\u0131’n\u0131n i\u015fletmeler i\u00e7in sundu\u011fu hayati \u00e7\u00f6z\u00fcmler masaya yat\u0131r\u0131ld\u0131. \u00a0 2025’in Faturas\u0131 A\u011f\u0131r Oldu, 2026 \u0130malat Sekt\u00f6r\u00fc \u0130\u00e7in Zorlu Ge\u00e7ecek […]<\/p>\n","protected":false},"author":2,"featured_media":537,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/posts\/536","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/comments?post=536"}],"version-history":[{"count":8,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/posts\/536\/revisions"}],"predecessor-version":[{"id":553,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/posts\/536\/revisions\/553"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/media\/537"}],"wp:attachment":[{"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/media?parent=536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/categories?post=536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/astrabroker.net\/en\/wp-json\/wp\/v2\/tags?post=536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}