Banka Risk Yönetiminde Gelecek Beklentileri

Year 2020, Issue: 86, 267 - 287, 06.04.2020

Sezer Bozkuş Kahyaoğlu , Ganite Kurt

https://doi.org/10.25095/mufad.710380

Abstract

Bu makale, bankalardaki risk örgülenmesine ve özellikle bankaların risk yönetimi işlevine odaklanmaktadır. Paydaşların gelecekteki dinamiklerini ve beklentilerini tahmin etmek için, risk yönetiminin kilometre taşları ilgili literatüre dayalı olarak ele alınmaktadır. Bankacılık risk yönetiminin son on yıldaki gelişimi, küresel krizin doğrudan finansal etkisine ve ardından gelen düzenleyici gelişmelere bir cevap niteliğinde olmuştur. Bu çalışma, finansal mühendisliğin ve dış tedarikçi firmalardan ürün ve hizmetlerin entegrasyonunun öncekinden daha büyük bir rol oynadığı yeni bir hibrid bankacılık sistemi türünün ortaya çıktığını ortaya koymaktadır. Küresel finansal krizden sonra, özellikle bankaların risk örgütlenmeleri, geleneksel finansal risklerin yönetiminin ötesine geçerek kendilerini yeniden şekillendirdikleri için hızlı büyümüştür. Bu bağlamda, bankaların bilançoları ve fonlama stratejileri 2007'den bu yana önemli ölçüde değişim göstererek, yüksek (özkaynak) sermaye oranları ve daha istikrarlı borç finansmanı şeklinde oluşmuştur. Bu kapsamda, bankalar risk zekasını geliştirmek için risk örgütlenmesine, risk kültürüne ve kontrol faaliyetlerine özel önem vermektedir.

Keywords

Risk Komitesi, Risk Kültürü, Risk Zekası, Risk Yöneticisi

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