Determinants of Asymmetry in Lending Behavior of Public-Owned and Privately-Owned Banks in Turkish Banking Sector

Year 2020, Volume: 4 Issue: 1, 33 - 54, 13.03.2020

Çiğdem Kurt Cihangir

https://doi.org/10.31200/makuubd.679750

Abstract

In
this study the causes of asymmetry in lending behaviors of public-owned
banks(PuBs) and privately-owned (PrBs) banks are investigated with ARDL Boundary
Test. It is find that there is a short and long term relationships between the
credit volumes of the PuBs and PrBs and the non-performing loans and the
identified macroeconomic indicators. In the long term, the only variable that
has an impact on the credit volume of PuBs is non-performing loans; although,
the variables that are effective in the credit volume of the PrBs are
non-performing loans, exchange rate and the economic confidence index.
Accordingly, it can be said that PuBs play an active counter-cyclical role. 

Keywords

Public-Owned Banks, Privately-Owned Banks, Lending Behavior

Türk Bankacılık Sektöründe Kamu Sermayeli ve Özel Sermayeli Bankaların Kredi Verme Davranışlarındaki Asimetrinin Belirleyicileri

Abstract

Bu
çalışmada kamu sermayeli (KSB) ve özel sermayeli (ÖSB) bankaların kredi verme
davranışlarındaki asimetrinin nedenleri ARDL Sınır Testi ile araştırılmıştır.
KSB ve ÖSB’lerin kredi hacimleri ile takipteki krediler ve belirlenen
makroekonomik göstergeler arasında kısa ve uzun dönemde ilişki olduğu tespit
edilmiştir. Uzun dönemde KSB’lerin kredi hacminde etkili olan tek değişken
takipteki kredilerken; ÖSB’lerin kredi hacminde takipteki kredilerle birlikte
döviz kuru ve ekonomik güven endeksinin de etkili olduğu belirlenmiştir. Buna
göre KSB’lerin aktif karşı-konjontrürel (döngüsel) rol üstlendikleri
söylenebilir. 

Keywords

Kamu Sernayeli Bankalar, Özel Sermayeli Bankalar, Kredi Verme Davranışı

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