Research Article
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Bankaların KOBİ kredileri uygulamaları

Year 2017, Volume: 3 Issue: 1, 241 - 249, 06.01.2017
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. 

References

  • Beck, T., Demirgüç-Kunt, A., & Maksimovic, V. (2008). Financing Patterns Around the World: Are Small Firms Different? Journal of Financial Economics, 89(3): 467-487.
  • Behr, P., Entzian, A., & Güttler, A. (2011). How Do the Lending Relationships Affect Access to Credit and Loan Conditions in Microlending? Journal of Banking and Finance, 35(8): 2169-2178.
  • Behr, P., Entzian, A., & Güttler, A. (2011). How Do the Lending Relationships Affect Access to Credit and Loan Conditions in Microlending? Journal of Banking and Finance, 35(8): 2169-2178.
  • Berger, A.N., & Udell, G.F. (1998). The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle. Journal of Banking and Finance, 22(6): 613-673.
  • Cole, R.A., Goldberg, L.G., & White, L.J. (2004). Cookie Cutter vs. Character: The Micro Structure of Small Business Lending by Large and Small Banks. Journal of Financial and Quantitative Analysis, 39(2): 227-251.
  • De la Torre, A., Martinez Peria, M.S., & Schmukler, S.L. (2010). Bank Involvement with SMEs: Beyond Relationship Lending. Journal of Banking and Finance, 34(9): 2280-2293.
  • Diamond, D.W. (1991). Monitoring and Reputation: The Choice between Bank Loans and Directly Placed Debt. Journal of Political Economy, 99(4): 689-721.
  • Feakins, M. (2004). Commercial Bank Lending to SMEs in Poland. Small Business Economics, 23(1): 51-70.
  • Hughes, A. (2009). Hunting the Snark: Some Reflections on the U.K. Experience of Support for the Small Business Sector. Innovation: Management, Policy and Practice, 11(1): 114-126.
  • Petersen, M.A., & Rajan, R.G. (1994). The Benefits of Lending Relationships: Evidence from Small Business Data. The Journal of Finance, 49(1): 3-37.
  • Pissarides, F. (1999). Is Lack of Funds the Main Obstacle to Growth? EBRD’s Experience with Small- and Medium-Sized Businesses in Central and Eastern Europe. Journal of Business Venturing, 14(5&6): 519-539.
  • Stein, J.C. (2002). Information Production and Capital Allocation: Decentralized versus Hierarchical Firms. The Journal of Finance, 57(5): 1891-1921.
  • Stiglitz, J.E., & Weiss, A. (1981). Credit Rationing in Markets with Imperfect Information. American Economic Review, 71(3): 393-410.
  • Uchida, H. (2011). What Do Banks Evaluate When They Screen Borrowers? Soft Information, Hard Information and Collateral. Journal of Financial Services Research, 40(1-2): 29-48.
  • Uchida, H., Udell, G.F., & Yamori, N. (2012). Loan Officers and Relationship Lending to SMEs. Journal of Financial Intermediation, 21(1): 97-122.

SME lending practices of banks

Year 2017, Volume: 3 Issue: 1, 241 - 249, 06.01.2017
https://doi.org/10.24289/ijsser.272206

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. 

References

  • Beck, T., Demirgüç-Kunt, A., & Maksimovic, V. (2008). Financing Patterns Around the World: Are Small Firms Different? Journal of Financial Economics, 89(3): 467-487.
  • Behr, P., Entzian, A., & Güttler, A. (2011). How Do the Lending Relationships Affect Access to Credit and Loan Conditions in Microlending? Journal of Banking and Finance, 35(8): 2169-2178.
  • Behr, P., Entzian, A., & Güttler, A. (2011). How Do the Lending Relationships Affect Access to Credit and Loan Conditions in Microlending? Journal of Banking and Finance, 35(8): 2169-2178.
  • Berger, A.N., & Udell, G.F. (1998). The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle. Journal of Banking and Finance, 22(6): 613-673.
  • Cole, R.A., Goldberg, L.G., & White, L.J. (2004). Cookie Cutter vs. Character: The Micro Structure of Small Business Lending by Large and Small Banks. Journal of Financial and Quantitative Analysis, 39(2): 227-251.
  • De la Torre, A., Martinez Peria, M.S., & Schmukler, S.L. (2010). Bank Involvement with SMEs: Beyond Relationship Lending. Journal of Banking and Finance, 34(9): 2280-2293.
  • Diamond, D.W. (1991). Monitoring and Reputation: The Choice between Bank Loans and Directly Placed Debt. Journal of Political Economy, 99(4): 689-721.
  • Feakins, M. (2004). Commercial Bank Lending to SMEs in Poland. Small Business Economics, 23(1): 51-70.
  • Hughes, A. (2009). Hunting the Snark: Some Reflections on the U.K. Experience of Support for the Small Business Sector. Innovation: Management, Policy and Practice, 11(1): 114-126.
  • Petersen, M.A., & Rajan, R.G. (1994). The Benefits of Lending Relationships: Evidence from Small Business Data. The Journal of Finance, 49(1): 3-37.
  • Pissarides, F. (1999). Is Lack of Funds the Main Obstacle to Growth? EBRD’s Experience with Small- and Medium-Sized Businesses in Central and Eastern Europe. Journal of Business Venturing, 14(5&6): 519-539.
  • Stein, J.C. (2002). Information Production and Capital Allocation: Decentralized versus Hierarchical Firms. The Journal of Finance, 57(5): 1891-1921.
  • Stiglitz, J.E., & Weiss, A. (1981). Credit Rationing in Markets with Imperfect Information. American Economic Review, 71(3): 393-410.
  • Uchida, H. (2011). What Do Banks Evaluate When They Screen Borrowers? Soft Information, Hard Information and Collateral. Journal of Financial Services Research, 40(1-2): 29-48.
  • Uchida, H., Udell, G.F., & Yamori, N. (2012). Loan Officers and Relationship Lending to SMEs. Journal of Financial Intermediation, 21(1): 97-122.
There are 15 citations in total.

Details

Journal Section Makaleler
Authors

Aysa İpek Erdoğan

Publication Date January 6, 2017
Published in Issue Year 2017 Volume: 3 Issue: 1

Cite

APA Erdoğan, A. İ. (2017). SME lending practices of banks. International Journal of Social Sciences and Education Research, 3(1), 241-249. https://doi.org/10.24289/ijsser.272206
AMA Erdoğan Aİ. SME lending practices of banks. International Journal of Social Sciences and Education Research. January 2017;3(1):241-249. doi:10.24289/ijsser.272206
Chicago Erdoğan, Aysa İpek. “SME Lending Practices of Banks”. International Journal of Social Sciences and Education Research 3, no. 1 (January 2017): 241-49. https://doi.org/10.24289/ijsser.272206.
EndNote Erdoğan Aİ (January 1, 2017) SME lending practices of banks. International Journal of Social Sciences and Education Research 3 1 241–249.
IEEE A. İ. Erdoğan, “SME lending practices of banks”, International Journal of Social Sciences and Education Research, vol. 3, no. 1, pp. 241–249, 2017, doi: 10.24289/ijsser.272206.
ISNAD Erdoğan, Aysa İpek. “SME Lending Practices of Banks”. International Journal of Social Sciences and Education Research 3/1 (January 2017), 241-249. https://doi.org/10.24289/ijsser.272206.
JAMA Erdoğan Aİ. SME lending practices of banks. International Journal of Social Sciences and Education Research. 2017;3:241–249.
MLA Erdoğan, Aysa İpek. “SME Lending Practices of Banks”. International Journal of Social Sciences and Education Research, vol. 3, no. 1, 2017, pp. 241-9, doi:10.24289/ijsser.272206.
Vancouver Erdoğan Aİ. SME lending practices of banks. International Journal of Social Sciences and Education Research. 2017;3(1):241-9.