Zeynep ÖNDER, Süheyla ÖZYILDIRIM

2311

Banka kredilerinin bölgesel büyümeye etkileri

Bu çalışmada, 1992-2006 yılları arasında kamu bankaları ve özel bankalar tarafından açılan kredilerin il bazında büyümeye olan etkileri, kamu harcamaları, kentleşme, eğitim ve illerin finansal merkezlere uzaklıkları gibi değişkenler kontrol edilerek, ve "sabit etkiler, modeli" kullanılarak incelenmiştir. Bulgularımız, hem kalkınmada öncelikli bölgelerde hem de diğer bölgelerde, özel sermayeli bankalarca verilen kredilerinin büyümeye etkisinin kamu sermayeli bankalara göre istatistiksel açıdan daha anlamlı olduğunu göstermektedir. Çalışmanın sonuçları, devletin dolaylı olarak kamu sermayeli bankalar aracılığı ile kredi vermek yerine, doğrudan kamu yatırımlarını arttırarak, bölgeler arasındaki gelir eşitsizliğini azaltacağını, böylece gelir dağılımında daha fazla iyileştirme yapabileceğini işaret etmektedir.

The impact of bank credits on regional growth

In this study, the effects of loans provided by state-owned and private banks on provincial growth are examined for the period 1992-2006. The fixed-effects model is used in the analysis. The other provincial charateristics, such as public investments, urbanization, human capital and its distance from financial centers, that might affect growth are controlled in the analysis: Using data from all 80 provinces in Turkey, we find that there is a positive association between bank credits provided by state-owned and private banks and real GDP provincial growth. When provinces are analyzed according to their development levels, it is found that although per capita private bank credits have positive and significant impact on the growth rate in both developed and less-developed provinces, no significant effect of credits provided by state-owned banks is found in less-developed provinces. These results can be interpreted by the concentration of these banks on providing agricultural credits instead of financing growth-oriented projects in those regions. On the other hand, credits provided by both private and state-owned banks have positive and significant impact on the growth of non-priority provinces. Our results suggest that public investments can be an alternative to spur income growth especially in the less developed provinces. We conclude that in order to reduce regional income disparity in Turkey, incumbent governments may consider to use more direct private investments instead of indirect intermediation of their banks.
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ODTÜ Gelişme Dergisi-Cover
  • ISSN: 1010-9935
  • Yayın Aralığı: Yılda 3 Sayı
  • Başlangıç: 2018
  • Yayıncı: ODTÜ İİBF
Arşiv
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