Bankaların KOBİ kredileri uygulamaları

Year 2017, , 241 - 249, 06.01.2017

Aysa İpek Erdoğan

https://doi.org/10.24289/ijsser.272206

Abstract

Bu çalışma bankaların KOBİ
kredileri uygulamaları ve kredi karar süreçlerini içerik analizi yöntemiyle
incelemektedir. Çalışma için İstanbul ve Ankara’da faaliyet gösteren bankalarda
görev yapan on banka yöneticisiyle görüşme yapılmıştır. Görüşmelerde yarı
yapılandırılmış derinlemesine görüşme yöntemi uygulanmıştır. Yapılan içerik
analizi sonucunda bankaların kredi başvurusu sonrasında öncelikle şubede bir ön
değerlendirme ve istihbarat çalışması yaptığı tespit edilmiştir.  Yöneticiler kredi başvurusu yapan KOBİlerden
iş planı istemelerine rağmen birçok KOBİnin böyle bir plan sunamadığını ve
sonuçta projeksiyonları banka personelinin yapmak durumunda kaldığını ifade
etmiştir. Özkaynak yetersizliği, yüksek borçlanma oranı ve firmanın yeni
kurulmuş olması kredi başvurusunun olumsuz sonuçlanmasına neden olmaktadır.
Bankaların tümü değerlendirme aşamasında kredi skorlama yöntemini
kullanmaktadır. 

Keywords

KOBİ, KOBİ finansmanı, KOBİ kredileri

SME lending practices of banks

Abstract

This study analyzes the SME lending practices
and credit decision procedures of banks with content analysis method. For the
study, 10 bank executives who are employed by banks that operate in İstanbul
and Ankara were interviewed. Semi-structured in-depth interview technique was
used for the interviews. As a result of the content analysis, it was found that
banks make a preliminary assessment in the branch and collect financial
intelligence after the loan application. The executives declared that although
they request business plans from the SMEs that apply for bank loans, most of
the SMEs can not present such a plan and the banks’ staff are obliged to make
the projections. Inadequate equity capital, a high debt ratio and being a newly
established firm causes rejection in loan applications. All of the banks use
credit scoring method in the evaluation process. 

Keywords

SME, SME financing, SME loans

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