Türkiye Ekonomisinde Bankacılık Sektörü Tarafından Yaratılan Yurt İçi Kredi Hacmi İle Ekonomik Büyüme Arasındaki İlişki: ARDL Sınır Testi Yaklaşımı

Abstract

Bankalar finansal sistemin en önemli unsurlarından birisidir. Bankalar ekonomide tasarrufların toplanmasını sağlayarak, fon fazlasını fon ihtiyacı olan ekonomik birimlere aktararak para piyasasının gelişmesinde bulunan kuruluşlardır. Bankalar kredi kanalıyla para arzını genişletmekte ve tasarrufların ekonomide yatırımlara dönüşmesini sağlamaktadır. Ülkedeki yatırımların artması üretim ve istihdamı artıracaktır. Mal ve hizmet üretiminin artması ekonomik büyüme hızının da artmasına neden olacaktır. Banka kredilerinin ekonomik büyüme üzerinde önemli bir rolü olduğundan bu çalışmada Türkiye ekonomisinde mevduat bankaları, kalkınma ve yatırım bankaları ve katılım bankaları tarafından yaratılan toplam yurt içi kredi hacminin ekonomik büyüme üzerindeki kısa ve uzun dönem etkileri 2008:01-2022:02 dönemine ait üçer aylık veriler alınarak gecikmesi dağıtılmış otoregresif (ARDL) sınır testi yaklaşımı ile analiz edilmiştir. Analiz sonucunda toplam yurt içi kredi hacmi ile ekonomik büyüme arasında eş bütünleşme ilişkisi bulunmuştur. Toplam yurt içi kredi hacmi ile ekonomik büyüme arasında uzun dönemli bir ilişkinin olmadığı ancak kısa dönemde ilişki içinde oldukları sonucuna varılmıştır.

Keywords

• Yurt İçi Kredi Hacmi
• Ekonomik Büyüme
• ARDL sınır Testi

The Relationship between The Domestic Credit Volume Created by The Banking Sector And Economic Growth in The Turkish Economy: An ARDL Bound Testing Approach

Abstract

Banks are one of the most important elements of the financial system. Banks are organizations that are involved in the development of the money market by ensuring the collection of savings in the economy, transferring surplus funds to economic units that need funds. Banks expand the money supply through the credit channel and ensure that savings are converted into investments in the economy. Increasing investments in the country will contribute to production and employment. The rise in the number of goods and services produced will also lead to development in the rate of economic growth. From this point of view, this study analyzes the short and long-run effects of the aggregate domestic credit volume created by deposit banks, development and investment banks, and participation banks on economic growth in the Turkish economy by adopting the autoregressive distributed lag bounds testing (ARDL) approach for quarterly data covering 2008:01-2022:02 periods. As a result of the analysis, a cointegration relationship has been found between the aggregate domestic credit volume and economic growth. It is concluded that there is no long-term relationship between the aggregate domestic credit volume and economic growth, but they are in a relationship in the short term.

Keywords

• Domestic Bank Credit Volume
• Economic Growth
• ARDL Bound Testing

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