Türk Bankacılık Sektörünün Kredi Hacmini Etkileyen Değişkenler ve Etki Düzeyleri
Bu çalışma ile Türk bankacılık sektöründe kredi hacmini etkileyen içsel (mikro) ve dışsal (makro) değişkenlerin belirlenmesi ve kredi hacmi üzerinde bu değişkenlerin etki düzeylerinin ortaya konması hedeflenmiştir. Çalışmanın sonucunda, genel olarak mikro değişkenlerin makro değişkenlere göre kredi hacmi üzerinde daha etkili olduğu; takibe dönüşüm oranı, mevduat, faiz giderleri ve net faiz marjı değişkenlerinin kredi hacmini belirleyen başlıca faktörler olduğu görülmüştür. Dikkat çeken bir diğer sonuç ise banka türü bazında mevduat bankaları ile katılım bankaları için kredileri belirleyen faktörlerin farklılaşmış olmasıdır.
The Factors Which Effect The Loan Volumes in Turkish Banking Industry and Levels of Their Impacts
The purpose of this study is to demonstrate the factors which effect the credit volumes in the banking sector with respect to type of banks and credit types and also to understand the most important factor in this process. As a result of the study, it has been observed that the micro variables in general are more effective than the macro ones on the credit volume and the NPL ratios, deposits, interest expenses and net interest margin are the most important factors which determine the credit volume. Another result to be kept in mind is that the factors determining the credits of the participation and deposit banks vary.
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- ISSN: 1300-0217
- Başlangıç: 1990
- Yayıncı: Türkiye Bankalar Birliği