Research Article
BibTex RIS Cite

KREDİ KURUMLARI ARASINDAKİ BİLGİ PAYLAŞIMI: TÜRK FİNANS SEKTÖRÜ İÇİN TAVSİYELER

Year 2019, Volume: 1 Issue: 1, 50 - 57, 01.03.2019

Abstract

Bu makalenin amacı kredi kurumları arasında gerçekleşen, borç alanların kredi notlarının oluşturulması ve paylaşılması ile ilgili bilgi paylaşımı çabalarının bankacılık sistemine katkılarını değerlendirmektir. Bu bağlamda öncelikle konu ile ilgili literatür taraması göstermektedir ki bilgi paylaşımı verilen kredilerin artmasına paralel olarak sistemin büyümesi ve daha yüksek finansal gelişmişlik seviyesi anlamına gelmektedir. Verilen kredi miktarının artmasının yanı sıra borçlular bir sonraki borçlanmalarında daha uygun şartlar altında kredi alabilmek için borçlarına sadık kalıp ödemelerini zamanında yapmaktadırlar. Bu durum ise finansal sistem için istikrar anlamına gelmektedir. Konu ile ilgili akademik çalışmalar 90’lı yıllarda yoğunlaşmaya başlarken, kredi kayıt bürosunun kuruluşunun 1995 yılına denk geldiği Türkiye için konunun konu son derece önemlidir. Bu makale sayesinde “Türkiye üzerine ne gibi çalışmalar yapılabilir?” “Gelişmekte olan bir ülke olarak Türkiye’de kredi kayıt bürolarının etkisi, gelişmesi ve önemi üzerine neler söylenebilir?” soruları literatür taraması sayesinde cevaplanmaktadır.   

References

  • Asongu, S.A., Anyanwu J.C. ve Tchamyou V.S. (2017) “Technology-driven information sharing and conditional financial development in Africa”, Information Technology for Development,
  • Bos, J.W.B, de Haas, R. ve Millone, M. (2016) “Show Me Yours and I'll Show You Mine: Sharing Borrower Information in a Competitive Credit Market” (February 25, 2016). BAFFI CAREFIN Centre Research Paper No. 2015-8. SSRN bağlantısı: https://ssrn.com/abstract=2609271
  • Behr, P. ve Sonnekalb, S., (2012) “The effect of information sharing between lenders on access to credit, cost of credit, and loan performance. Evidence from a credit registry introduction”. Journal of Banking & Finance 36(11), 3017-3032.
  • Dierkes M, Erner C., Langer T ve Norden L. (2013) “Business credit information sharing and default risk of private firms”, Journal of Banking & Finance, 37:2867–2878.
  • Fernandes G. B. ve Artes, R. (2016) “Spatial dependence in credit risk and its improvement in credit scoring”, European Journal of Operational Research, 249: 517–524.
  • Giannetti M., Liberti, J.M., ve Sturgess J. “Information Sharing and Rating Manipulation”, The Review of Financial Studies, 30(9): 3269-3304.
  • Houston, J.F., Lin C., Lin P. ve Ma Y, (2010) “Creditor rights,information sharing, and bank risk taking” Journal of Financial Economics, 96: 485–512.
  • Jappelli T. ve Pagano M. (2002) “Information sharing, lending and defaults: Cross-country evidence”, Journal of Banking & Finance, 26: 2017–2045.
  • Kallberg J.G. ve G.F. Udell “The value of private sector business credit information sharing: The US case” Journal of Banking & Finance, 27 (2003) 449–469
  • Karapetyan, A. ve Stacescu, B. (2014) “Information Sharing and Information Acquisition in Credit Markets” Review of Finance, 18: 1583–1615
  • Klein, D.B., (1992) “Promise keeping in the great society: a model of credit information sharing”. Economics and Politics, 4 (2): 117–136.
  • Stiglitz, J. ve Weiss, A. (1981) “Credit rationing in markets with imperfect information”. The American Economic Review, 71(3): 393-410.Luoto, J., McIntosh, C. ve Wydick, B., (2007) “Credit information systems in less developed countries: A test with microfinance in Guatemala”. Economic Development and Cultural Change, 55(2): 313–334.
  • Padilla, J.A. ve Pagano, M., (1997) “Endogenous communication among lenders and entrepreneurial incentives”. Review of Financial Studies, 10: 205–236.
  • Padilla A. J.ve Pagano M. (2000) “Sharing default information as a borrower discipline device”, European Economic Review, 44: 1951-1980
  • Pagano, M. ve Jappelli, T., (1993). “Information sharing in credit markets”. Journal of Finance, 48:1693-1718.
  • Peria, M.S.M., ve Sandeep, S. (2014) “The Impact of Credit Information Sharing Reforms on Firm Financing” World Bank Development Research Group Finance and Private Sector Development TeamPolicy Research Working Paper 7013.
  • Tchamyou, V. S. ve Asongu, S.A. (2017) “Information Sharing and Financial Sector Development in Africa”, Journal of African Business, 18(1): 24-49.

INFORMATION SHARING BETWEEN CREDIT INSTITUTIONS: RECOMMENDATIONS FOR TURKISH FINANCIAL SECTOR

Year 2019, Volume: 1 Issue: 1, 50 - 57, 01.03.2019

Abstract

The purpose of this paper is to evaluate the contribution of information
sharing on credit scores of borrowers to the banking system. In this context,
firstly information sharing literature review shows that the information
sharing between creditors means financial development which is achieved higher
volumes of credits by financial institutions. In addition to the increase in
the amount of loans granted, borrowers are obliged to pay their debts in a
timely manner in order to be able to borrow under the more favorable conditions
in the next borrowing. This means stability for the financial system.
International academic discussions on the subject start in the 90s and the
establishment of credit bureaus in Turkey coincided with the 1995. Thus subject
is a relatively new and an extremely important issue for Turkey. To sum in a
nutshell, research questions that this paper answers are: "What can be
explored on this issue for Turkish Financial System?" "What are the
effects of the credit bureaus in Turkey to the financial development? What kind
of policies can be undertaken for the growth of these bureaus?”.

References

  • Asongu, S.A., Anyanwu J.C. ve Tchamyou V.S. (2017) “Technology-driven information sharing and conditional financial development in Africa”, Information Technology for Development,
  • Bos, J.W.B, de Haas, R. ve Millone, M. (2016) “Show Me Yours and I'll Show You Mine: Sharing Borrower Information in a Competitive Credit Market” (February 25, 2016). BAFFI CAREFIN Centre Research Paper No. 2015-8. SSRN bağlantısı: https://ssrn.com/abstract=2609271
  • Behr, P. ve Sonnekalb, S., (2012) “The effect of information sharing between lenders on access to credit, cost of credit, and loan performance. Evidence from a credit registry introduction”. Journal of Banking & Finance 36(11), 3017-3032.
  • Dierkes M, Erner C., Langer T ve Norden L. (2013) “Business credit information sharing and default risk of private firms”, Journal of Banking & Finance, 37:2867–2878.
  • Fernandes G. B. ve Artes, R. (2016) “Spatial dependence in credit risk and its improvement in credit scoring”, European Journal of Operational Research, 249: 517–524.
  • Giannetti M., Liberti, J.M., ve Sturgess J. “Information Sharing and Rating Manipulation”, The Review of Financial Studies, 30(9): 3269-3304.
  • Houston, J.F., Lin C., Lin P. ve Ma Y, (2010) “Creditor rights,information sharing, and bank risk taking” Journal of Financial Economics, 96: 485–512.
  • Jappelli T. ve Pagano M. (2002) “Information sharing, lending and defaults: Cross-country evidence”, Journal of Banking & Finance, 26: 2017–2045.
  • Kallberg J.G. ve G.F. Udell “The value of private sector business credit information sharing: The US case” Journal of Banking & Finance, 27 (2003) 449–469
  • Karapetyan, A. ve Stacescu, B. (2014) “Information Sharing and Information Acquisition in Credit Markets” Review of Finance, 18: 1583–1615
  • Klein, D.B., (1992) “Promise keeping in the great society: a model of credit information sharing”. Economics and Politics, 4 (2): 117–136.
  • Stiglitz, J. ve Weiss, A. (1981) “Credit rationing in markets with imperfect information”. The American Economic Review, 71(3): 393-410.Luoto, J., McIntosh, C. ve Wydick, B., (2007) “Credit information systems in less developed countries: A test with microfinance in Guatemala”. Economic Development and Cultural Change, 55(2): 313–334.
  • Padilla, J.A. ve Pagano, M., (1997) “Endogenous communication among lenders and entrepreneurial incentives”. Review of Financial Studies, 10: 205–236.
  • Padilla A. J.ve Pagano M. (2000) “Sharing default information as a borrower discipline device”, European Economic Review, 44: 1951-1980
  • Pagano, M. ve Jappelli, T., (1993). “Information sharing in credit markets”. Journal of Finance, 48:1693-1718.
  • Peria, M.S.M., ve Sandeep, S. (2014) “The Impact of Credit Information Sharing Reforms on Firm Financing” World Bank Development Research Group Finance and Private Sector Development TeamPolicy Research Working Paper 7013.
  • Tchamyou, V. S. ve Asongu, S.A. (2017) “Information Sharing and Financial Sector Development in Africa”, Journal of African Business, 18(1): 24-49.
There are 17 citations in total.

Details

Primary Language Turkish
Subjects Business Administration
Journal Section Articles
Authors

Elmas Yaldiz Haznedar 0000-0002-2996-3498

Publication Date March 1, 2019
Published in Issue Year 2019 Volume: 1 Issue: 1

Cite

APA Yaldiz Haznedar, E. (2019). KREDİ KURUMLARI ARASINDAKİ BİLGİ PAYLAŞIMI: TÜRK FİNANS SEKTÖRÜ İÇİN TAVSİYELER. Journal of Empirical Economics and Social Sciences, 1(1), 50-57.