Rekabetçi Bankacılık Sektörü Firmaların Krediye Erişimlerini Kolaylaştırır mı?

Year 2016, Volume: 10 Issue: 2, 9 - 27, 01.12.2016

Elmas Yaldız Hanedar

Abstract

Bankalar dünya genelinde en büyük kredi kaynağı oldukları için bankacılık sektörünün rekabetçi yapısının firmaların krediye erişimlerini etkilemesi beklenir. Bu çalışmanın amacı bankacılık sektöründeki rekabetin firmaların krediye erişimde karşılaştıkları zorlukları ne yönde etkilediğini bulmaktır. Çalışmanın mevcut literatüre iki katkısı vardır. İlk olarak, rekabeti ölçmek için nispeten yeni bir ölçü olan Boone göstergesi kullanılmıştır. İkinci olarak literatürde şimdiye dek kullanılmış en geniş veri setini kullanmıştır. Uygulanan sıralı probit modelinin sonuçları bankacılık sektöründeki rekabet ve firmaların karşı karşıya kaldığı finansal zorluklar arasında pozitif bir ilişki olduğunu göstermektedir

Keywords

Bankacılık, Sıralı Probit, Rekabet, Kredi, Boone göstergesi, Krediye Erişim

Does a Competitive Banking Sector Promote Access to Credit by Firms?

Abstract

Does a Competitive Banking Sector Promote Access to Credit by Firms?Since banks are the biggest source of credit around the world, the competitive structure of banking sector can affect the access to credit by firms. The aim of this paper is to explore the effect of bank competition on access to credit by firms. This paper has two contributions to the literature. First, it uses a relatively new measure of competition, i.e. Boone indicator for banking sector. Second, it employs the widest dataset that is ever used in the literature. The results of ordered probit model indicate a positive relationship between competition in banking and access to credit by firms

Keywords

Banking, Ordered Probit, Competition, Credit, Boone indicator, Access to Credit

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