BANKA YÖNETİCİLERİNİN RİSK ALGISINI ETKİLEYEN FAKTÖRLER

Bu çalışma, bazı demografik faktörler ile kurumsal özelliklerin banka yöneticilerinin risk alma eğilimini etkileyip etkilemediğini belirlemeye yöneliktir. Ankara’daki bankalarda görevli müdür ve müdür yardımcıları açısından bakıldığında; çalışmaya katılan yöneticilerin yaşlarının, bankacılık sektöründeki deneyimlerinin ve çalıştıkları banka sektörünün, risk alma eğilimlerini etkilediği belirlenmiştir. Elde edilen sonuçlara göre, bankacılık sektöründeki deneyimi kısa olan, genç ve özel bankalarda yönetici konumunda olanlar risk almaya diğer yöneticilerden daha eğilimli görünmektedirler.

Anahtar Kelimeler:

Risk, risk alma eğilimi, banka, yönetici

Some Factors Affecting Bank Managers’ Risk Perception

This study investigates the issue of whether some demographic factors and institutional characteristics affect the risk taking resiliency of bank managers. Our findings indicate that, for the representative group of bank managers and assistant managers in Ankara – Turkey, the factors such as the sector of the bank, age and the years of experience in banking affect the bank managers’ tendency towards taking risk. The results reveal that managers who are working in the private banks, are younger and have less banking experience are more willing to take risks.

Keywords:

Risk, risk resiliency, manager, banking,

PDF

___

Basu, S. (1977), “Investment Performance of Common Stocks in Relation to their Price Earning Ratios: A test of the Efficient Market Hypothesis”. Journal of Finance (June): 663-682
Bethel, S.M. (1999). Learn to be a Risk Taker. http://www.findarticles.com/cf_0/ m0BGE
Blume, N.W., (1971),“On the Assessment of Risk.” Journal of Finance (March): 1-10
Brown, R.A. ve C.H. Green. (1981), “Threats to health or safety: Perceived risk and willingness to pay”. Social Science and Medicine 15C (2): 67-75
Brush, G.M.ve R.D. Hisrich. (1985),” The Woman Entrepreneur”.Lexington Books
Doderline, J.M. (1983),“Understanding risk management”. Risk Analysis 3: 17- 21
Farelly, G.E., R.K. Kenneth ve W.R. Reichenstein (1985), “Perceived Risk, Market Risk, and Accounting Determined Risk Measures”. The Accounting Review 2: 278 -288
Frenkel, M., U. Hommel ve M. Rudolf (2000), “Risk Management; Challenge and Opportunity”. Springer, 1st. ed.
Gaba, A. ve W.K.Viscusi (1998), “Differences in Subjective Risk Thresholds: Worker Groups as an Example”. Management Science 6: 801 - 811 Garner,S.J. (1986),”Perceived Risk and Information Sources in Services Purchasing.” Mid-Atlantic Journal of Business. 24 :49 - 58
Glendon, A.I. (1979), “Accident prevention and safety, whose responsibility?” Occupational Health 31 (1): 31 – 37
Grewal, D. J. Gotlieb ve H. Marmorstein.(1994),”The Moderating Effects of Message Framing and Source Credibility on the Price-perceived Risk Relationship.” Journal of Consumer Research. 21: 145 - 153
Hisrich, D.R. ve M. Peters. (1988), “Entrepreneurship”, Irwin McGraw-Hill, 4th ed.
Johnson, E.J. ve A. Tversky. (1984), “Representations of perception of Risk”. Journal of Experimental Psycology: General 113: 55 -70
Litea, D., D.D., Lanning ve N.C. Rasmussen (1983), “The Public Perception of Risk.” in Covello, V.T., W.G.,Flamm, J.V. Rodricks, ve R.B.,Tradiff. (1985),” The Analysis of Actual Versus Perceived Risks”. London: Plenum Press. 213-224
Lopes, L.L. (1983), “Some thoughts on the psychological concept of Risk.” Journal of Experimental Psychology: Human Perception and Performance, 9:137– 144
McDonald, J.G. ve R.E. Stehle.(1975), “How Do Institutional Investors Perceive Risk?.” Journal of Portfolio Mnagement. (Fall) :11-16
Myers,R.J., D.H. Henderson – King ve E.I. Henderson – King. (1997), “Facing Technological Risks: The Importance of Individual Differences”. Journal of Research in Personality 31: 1 - 20
Slovic, P. (1964), “Assessment of risk taking behavior”. Psychological Bulletin 61: 330-333
Tickell,A. (1996), “Making a melodrama out of a crisis: Reinterpreting the collapse of Barings Bank”. Environment and Planning D: Society and Space 14: 5 - 33
Weber, E.U. ve C. Hsee. (1998), “Cross-cultural Differences in Risk Perception, but Cross-cultural Similarities in Attitudes Towards Perceived Risk”. Management Science 44: 1205 – 1217
Tversky, A. ve D. Kahneman (1973), “Availability: A heuristic for judging frequency and probability”. Cognitive Psychology 10: 34 -52