İHRACAT ARTIŞININ VE EKONOMİK BÜYÜMENİN SAĞLANMASINA YÖNELİK OLARAK İHRACATTA TEDARİKÇİ KREDİ RİSKİNİN SİGORTALANMASI

Year 2018, , 359 - 372, 30.12.2018

Muge Cetiner , Selda Eke

https://doi.org/10.17261/Pressacademia.2018.1003

Abstract

Amaç- Bu çalışmada amaçlanan gerek ülkemizde gerekse yurtdışında sigortalanmış kredili ticaretin dış ticaret üzerindeki etkisinin

araştırılması ve konunun önemi üzerinde farkındalık yaratarak ülkemizde gelecekte çok büyüyebilecek bir potansiyele dikkat çekmektir.

Yöntem- Resmi destekli ihracat kredi sigortası ya da özel sektör kredi sigortası kuruluşları tarafından sigortalanan açık hesap ticaretin,

ihracatın ve genel olarak uluslararası ticaretin gelişimine olan desteği konusunda yapılan çalışma örnekleri incelenmiştir. İhracatın

ekonomik büyüme üzerindeki etkisi üzerinde durularak, ihracat kredi sigortası desteği irdelenmiştir. Temel kavramlar ve literatür çalışmaları

özetlenmiştir.

Bulgular- Literatür taraması sonucunda elde edilen bulgular şunlardır: Tedarikçi kredisi, tedarikçi firmaların satışlarını arttırarak firma

büyümesine katkı sağlamaktadır. Alıcı firmalar için de önemli bir finansman kaynağı olmaktadır. Alıcı şirketin kendisi de müşterilerine kredili

satış yapabildiğinden, ticari akımlarda artış sağlanmaktadır. Tedarikçi kredisi, işletme sermayesi finansman ihtiyacının karşılanmasında,

özellikle finansal sıkışıklıkların olduğu dönemlerde şirketler için banka kredisine alternatif ve tamamlayıcı bir finansman kaynağı olmaktadır.

Açık hesap ticaretin sigortalanması, ülkenin ihracatını arttırma konusunda son derece önemli bir role sahiptir. Makro düzeyde, ihracatın

büyümesi ile ekonomik gelişme arasında da iki yönlü bir nedensellik ilişkisi bulunmaktadır.

Sonuç- Çalışmada sigortalanmış kredili satışların ticari akımlarda büyümeyi destekleyeceği, tedarik zincirlerinin büyümesine neden olmaları

sonucunda da, ticaret hacminin artmasına, ekonomik büyümeye katkı sağlayacakları sonucuna ulaşılmıştır.

Keywords

Tedarikçi kredisi, kredili ticaret, açık hesap ticaret, ihracat kredi sigortası, kredi sigortası

INSURING SUPPLIER CREDIT RISK IN EXPORTS TO PROMOTE EXPORT GROWTH AND ECONOMIC DEVELOPMENT

Abstract

Purpose- The purpose of this study is to evaluate the effectiveness of the insured trade credit on the international trade abroad and in our

country and to raise awareness about the issue that has great potential for growth in our country in the future.

Methodolgy- The studies investigating the effect of the insured open account trade by private and officially supported export credit

agencies on the development of exports and in general international trade were examined. The effect of export growth on economic

development has been examined in order to assess the impact of export credit insurance. The fundamental concepts with the literature

review have been summarized.

Findings- Through the literature review, the following facts have been obtained. Supplier credit leads to the increase in sales of the supplier

and that in turn leads to company growth. It is also an important financing source for the buyer who buys on credit also sells on credit and

that leads to an increase in trade flows. It is complementary and alternative to bank loans especially in the periods of financial constraints

when the companies are in need of working capital finance. Insured open account trade has a quite significant effect on increasing the

exports of the country. At macro level, there is a dual causality relationship between export growth and economic development.

Conclusion- As the result of the study, it has been concluded that the insured trade credit promotes the growth of trade flows and supply

chains that would lead to the growth in trade volumes and economic growth.

Keywords

Supplier credit, trade credit, open account trade, export credit insurance, credit insurance

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