Bulanık Mantık Kullanarak Bankacılık Sektöründeki Devlet Politikalarının Etkileri

Bu çalışmanın amacı, bankacılık sektöründeki devlet politikalarının etkilerini değerlendirmektir. Bu amaçla, ayrıntılı bir literatür taraması yapılmış ve 5 farklı devlet politikası belirlenmiştir. Ayrıca bu politikalar bulanık DEMATEL yaklaşımı kullanılarak ağırlıklandırılmıştır. Ortaya çıkan bulgular, bankacılık sektörüne ilişkin en önemli devlet uygulamasının risk politikası ile ilgili olduğunu göstermektedir. Bu durum, hükümetlerin, kredi, piyasa ve operasyonel riskler gibi bankaların farklı risk türlerinin yönetimi ile ilgili gerekli düzenlemeleri yapması gerektiğini göstermektedir. Bu nedenle, hükümetlerin bankaların risk yönetimi faaliyetleri için gerekli düzenlemeleri yapmaları ve bu önlemleri alıp almadıklarını anlamak için bankaları takip etmeleri önerilmektedir. Böylelikle bankacılık sektörünün performansını artırmak mümkün hale gelecektir.

Effects of Governmental Policies in Banking Industry by using Fuzzy DEMATEL

The aim of this study is to evaluate the effects of the governmental policies in the banking industry. For this purpose, a detailed literature review is conducted, and 5 different governmental policies are identified. Furthermore, these policies are weighted by using fuzzy DEMATEL approach. The findings indicate that the most important government implementation regarding the banking industry is related to the risk policy. This shows that governments should make necessary regulations related to the management of different risk types of the banks, such as credit, market and operational risks. Therefore, it is recommended that governments should make necessary regulations for risk management activities of the banks and follow the banks to understand whether they take these actions or not. Hence, it becomes possible to improve the performance of the banking industry.

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