TÜRKİYE’DE KREDİ KULLANIMI - EKONOMİK BÜYÜME İLİŞKİSİ

Year 2010, Volume: 24 Issue: 2, 21 - 35, 06.07.2011

Servet Ceylan Mehmet Durkaya

Abstract

Krediler ve reel ekonomi arasındaki etkileşim daha çok finansal
gelişme-ekonomik büyüme bağlamında ele alınmaktadır. Finansal gelişmeekonomik
büyüme ilişkisi, genellikle finansal piyasaların gelişmişlik
farklılıklarını, arz-talep yanlı yaklaşımları ve kredi tayınlamasını içeren
modellere göre açıklanmaktadır. Söz konusu iki değişken arasındaki nedensel
ilişkileri inceleyen ampirik çalışmalar, ilişkinin yönü konusunda ortak bir
sonucun oluşmadığını göstermektedir.
Bu çalışmada, Türkiye’de yurtiçi kredi hacmi ile ekonomik büyüme
arasındaki nedensel ilişkiler araştırılmıştır. 1998-2008 dönemi üç aylık zaman
serilerini içeren analizde Granger nedensellik testi ve hata düzeltme modeli
kullanılmıştır. Çalışmadan elde edilen bulgular, ekonomik büyümeden kredilere
doğru tek yönlü nedensel bir ilişkiyi göstermektedir.

Keywords

Kredi, Finansal Gelişme, Ekonomik Büyüme, Nedensellik, Eş-bütünleşim

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