Riskten Kaçınma Davranışının Muhabir Bankacılık Hizmetleri Üzerindeki Etkileri ve Muhabir Bankacılık İlişkisi Sayılarındaki Azalışın Ardındaki Nedenlerin Belirlenmesine Yönelik Yatay Kesit Veri Analizi

Küresel finansal krizi takip eden dönemde, özellikle büyük bankalar suç gelirlerinin aklanması ve terörizmin finansmanı ile mücadele uyum maliyetlerinin de artması ile birlikte, müşteri kabul politikalarında daha ihtiyatlı davranmaya başlamıştır. Bankalar uyum denetimleri sonucunda yaptırıma maruz kalmaları durumunda karşılaşacakları itibar riskinden sakınmış ve başta muhabir bankacılık hizmetleri olmak üzere, getirisine oranla yüksek riskli gördükleri bazı ürünleri daha sınırlı düzeyde arz etmişlerdir. Çalışmada muhabir bankacılık ilişkisi sayılarındaki değişim özelinde, “riskten kaçınma” adı verilen bu davranışa etki eden ekonomik ve sosyal faktörler irdelenmiştir. Büyüme, finansal okuryazarlık ve risk algısındaki gelişmelerin muhabirlik ilişkisi sayılarını olumlu etkilediği, FATF tarafından tavsiye edilen suç gelirlerinin aklanması ve terörizmin finansmanının önlenmesi ile mücadeledeki önleyici tedbirlerin katı olarak uygulanmasının ise muhabirlik ilişkileri üzerinde olumsuz etki gösterdiği sonucuna varılmıştır.

Impacts of De Risking Attitude on Correspondent Banking Services and A Cross Country Analysis on Identification of Factors Behind the Fall in the Number of Correspondent Banking Relations

Within the post global financial crisis era, especially large scale banks have become more cautious in their customer acceptance policies owing to the increase of compliance costs on antimoney laundering and combating financing of terrorism. Banks have avoided the reputational risk they would face in case of being subject to sanctions as a result of compliance audits, and restricted to offer some products, such as correspondent banking services, which are considered to have high risks in comparison to their expected returns. In this study, the economic and social factors that affect this behaviour called “de-risking” have been examined in terms of the change in the number of correspondent banking relations. It is concluded that the improvements in growth, financial literacy and risk perception indicators positively affected the number of correspondent banking relations and strict implementation of preventive measures on anti-money laundering and combating financing of terrorism, which are recommended by the FATF had a negative effect.

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