TÜRKİYE’DE FAALİYET GÖSTEREN SİGORTA ŞİRKETLERİNİN REKABET GÜCÜ VE RİSK ESASLI SERMAYE DÜZENLEMELERİNİN ETKİLERİNİN PANEL VERİ ANALİZİ İLE İNCELENMESİ INVESTIGATING THE EFFECTS OF COMPETITIVENESS AND RISK-BASED CAPITAL REGULATIONS ON INSURANCE COMPANIES OPERATING IN TURKEY THROUGH PANEL DATA ANALYSIS