Mustafa ÇELİK, Hüseyin DALĞAR, Ömer TEKŞEN, Ahmet Furkan SAK

KOBİLERİN KREDİLENDİRİLME KARARLARINDA KREDİ SKORLAMA MODELLERİNİN KULLANIMI ÜZERİNE BİR ARAŞTIRMA

Bu çalışmanın amacı, KOBİ’lerin kredibilitesini tespit ederken bankalarca kullanılan kredi skorlama modellerindeki kriterleri açıklamak ve finansal kurumlardan fon sağlama sürecinde KOBİ’ler aleyhine olan bilgi asimetrisini ortadan kaldırmaktır. Bu kapsamda, amaçsal örnekleme ile seçilen Burdur ilindeki 10 mevduat bankasının şube ve portföy yöneticileri ile mülakat çalışmasına gidilmiştir. Mülakatlardan elde edilen veriler betimsel analize tabi tutulmuş ve sonuçlar literatürde kredilendirmenin 5K’sı olarak anılan karakter, kapasite, kapital, koşullar ve karşılıklar başlıkları altında sunulmuştur. Sonuçlar ışığında, akademiye, KOBİ’lere ve düzenleyici ve denetleyici kuruluşlara öneriler getirilmiştir.

Anahtar Kelimeler:

KOBİ, Mevduat Bankaları, Kredi Skorlama, Görüşme

A RESEARCH ON USE OF CREDIT SCORING MODELS IN SMALL BUSINESS LENDING DECISIONS

The aim of this research is to disclose the criterias that are used in banks’ credit scoring systems for small business lending decisions and to remove information asymetry for small businesses in fund raising process from financial intermediaries. In this context, interviews are conducted with bank branch managers and credit portfolio managers in Burdur City that are selected by purposeful sampling. Data that is gathered by interviews is analyzed through descriptive analysis. The results are presented under the titles of 5C (Character, Capacity, Capital, Conditions and Colleteral) of credit. According to results, suggestions for academy, small business and regulators are presented.

Keywords:

Small Business, Deposit Banks, Credit Scoring, Interview,

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