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Banka Risk Yönetiminde Gelecek Beklentileri

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

References

  • Arner, D.W., Barberis J.,- Buckley R. (2015), “The Evolution of Fintech: A New Post-Crisis Paradigm, SSRN Electronic Journal 47(4):1271-1319 • January 2016, University of Hong Kong Faculty of Law Research Paper No. 2015/047, DOI: 10.2139/ssrn.2676553.
  • Accenture (2017), "The Hidden Value Of Risk In Banking", Banking Report, [online] Available https://www.accenture.com/t20170905T060353Z__w__/ie-en/_acnmedia/PDF-60/Accenture-Global-Risk-Study-2017-Banking-Report.pdf, (10.05.2019)
  • Artzner , P.- Delbaen, F.- Eber, J.M.- Heath, D. (1999), “Coherent Measures Of Risk”, Mathematical Finance, 9, pp.203-228.
  • Arndorfer I. - Minto A., (2015), “The “four lines of defense model” for financial institutions”, Occasional Paper No. 11, Bank for International Settlements. https://www.bis.org/fsi/fsipapers11.pdf (08.10.2019)
  • Aveni, Tyler (2015), "New Insights Into An Evolving P2P Lending Industry: how Shifts In Roles And Risk Are Shaping The Industry", Credit Suisse, [online] Available https://www.findevgateway.org/sites/default/files/publication_files/new_insights_into_an_evolving_p2p_lending_industry_positiveplanet2015.pdf (12.06.2019)
  • Basak , S.- Shapiro, A., (2001), “Value-at-risk Based Risk Management: Optimal Policies And Asset Prices”, Review of Financial Studies 14, 371-405.
  • Basel Committee on Banking Supervision , (2016), Amendment to The Capital Accord To Incorporate Market Risks, Bank for International Settlements.
  • Basel Committee on Banking Supervision, (2015), Supervisory Framework For The Use Of “Backtesting” In Conjunction With The Internal Models Approach To Market Risk Capital Requirements, Bank for International Settlements.
  • BDDK, (2010), Bankacılık Sektörü Basel II İlerleme Raporu, Şubat 2010, [online] Available http://www.bddk.org.tr/WebSitesi/turkce/Basel II/7613%C4%B0lerlemeRaporu-02-10.pdf , (20.05.2019)
  • Berkowitz, Jeremy – James, O'Brien (2002), “How Accurate Are Value-At-Risk Models at Commercial Banks?”, Journal of Finance 57, pp. 1093-1111.
  • Bozkuş, Sezer (2005), "Risk Ölçümünde Alternatif Yaklaşımlar: Riske Maruz Değer (VaR) ve Beklenen Kayıp (ES) Uygulamaları", Cilt 20, sayı 2, ss. 27-45. Dokuz Eylül Üniversitesi İİBF Dergisi, [online] Available https://iibfdergi.deu.edu.tr/index.php/cilt1-sayi1/article/view/190/pdf_169, (15.05.2019)
  • Committee of Sponsoring Organizations of the Treadway Commission -COSO (2017), " Enterprise Risk Management Integrating with Strategy and Performance Executive Summary ", [online] Available https://www.coso.org/Documents/2017-COSO-ERM-Integrating-with-Strategy-and-Performance-Executive-Summary.pdf , (15.05.2019)
  • Crawford, Jason (2017), "Regulation’s Influence on Risk Management and Management Control Systems in Banks", Uppsala Universitet, Department of Business Studies, [online] Available https://uu.diva-portal.org/smash/get/diva2:1151290/FULLTEXT01.pdf , (15.05.2019)
  • Crouhy, Michel - Robert, Mark, - Dan, Galai (2014), The Essentials of Risk Management, McGraw Hill Education.
  • Danielsson, J. - Embrechts, P. - Goodhart, C. - Keating, C. - Muennich, F. - Renault, O. - Song Shin, H. (2001), An Academic Response to Basel II, Working Paper, London School of Economics.
  • Dionne, G., (2004)." The Foundations Of Risk Regulation For Banks: A Review Of The Literature. In: The Evolving Financial System And Public Policy", Proceedings of a conference held by the Bank of Canada, 177-215, Ottawa, Canada.
  • Dionne G., (2013), " Risk Management: History, Definition And Critique", HEC Montreal - Department of Finance, [online] Available https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2231635 , (15.05.2019)
  • Deloitte (2017), "Strategic Risk Management in Banking", [online] https://www2.deloitte.com/content/dam/Deloitte/lu/Documents/financial-services/Banking/lu_inside_issue14_strategic_risk_management.pdf , (15.05.2019)
  • EBA (2017), "Risk Assessment Of The European Banking System", European Banking Authority, [online] https://www.eba.europa.eu/documents/10180/2037825/Risk+Assessment+Report+-+November+2017.pdf , (15.05.2019)
  • EY (2015), "Rethinking Risk Management Banks Focus On Non-Financial Risks And Accountability", 2015 risk management survey of major financial institutions, [online] http://www.ey.com/Publication/vwLUAssets/EY-rethinking-risk-management/$FILE/EY-rethinking-risk-management.pdf , (10.05.2019)
  • Field, P., (2003), Introduction to Modern Risk Management, A History. Incisive RWG, Haymarket House, London.
  • Garisde Thomas and Jonathan Mitchell (2017), "The Future Of Risk Management Ten Years After The Crisis", [online] http://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2017/sep/OW-Future-of-Risk-2017.pdf , (12.05.2019)
  • Jorion P., (2006), Value at Risk: The New Benchmark for Managing Financial Risk, McGraw-Hill, 3rd Edition. 978-0-07-146495-6
  • JP Morgan, (1996), Riskmetrics – Technical Document, JP Morgan, Fourth Edition.
  • Jeune Solange Le (2015), “Banks: a New Approach To Risk? Governance, Culture And Risk In A Revamped Banking Industry”, Schroders press release, Jan 2015, [online] https://www.schroders.com/en/sysglobalassets/staticfiles/schroders/sites/global/press-releases/banks-a-new-approach-to-risk.pdf , (12.05.2019)
  • Haugh Martin, (2010), "Risk Measures, Risk Aggregation and Capital Allocation", [online] http://www.columbia.edu/~mh2078/RiskMeasures.pdf, (12.05.2019) Institute of Internal Auditors (IIA) (2013), IIA Position Paper: The Three Lines of Defense in Effective Risk Management and Control, https://na.theiia.org/standards-guidance/Public%20Documents/PP%20The%20Three%20Lines%20of%20Defense%20in%20Effective%20Risk%20Management%20and%20Control.pdf
  • IBM (2017), "Future of Risk Management", [online]( https://www-01.ibm.com/events/wwe/grp/grp304.nsf/vLookupPDFs/Neil%20Dodgson%20Presentation%20The%20Future%20of%20Risk%20Management/$file/Neil%20Dodgson%20Presentation%20The%20Future%20of%20Risk%20Management.pdf (12.05.2019)
  • IIF and McKinsey (2017), "The Future Of Risk Management In The Digital Era", [online] https://www.iif.com/system/files/32370132_the_future_of_risk_management_in_the_digital_era_-_iif_and_mckinsey.pdf , (12.05.2019)
  • International Data Corporation (IDC) (2019) “IDC FutureScape: Worldwide Financial Services 2019 Predictions”, [online] https://www.idc.com/getdoc.jsp? containerId=US44567818 , (10.05.2019)
  • Kearney A.T. (2014), "Banking Strategies for Future", [online] Available https://www.atkearney.com/documents/10192/4598780/Banking+Strategies+for+the+Future.pdf/cc0f08b2-e5f6-49bf-899d-d1699f45dec0 , (18.05.2019)
  • KPMG, (2017), "Capital Adequacy and Risk Diversification for Banks and Securities Dealers", [online] Available https://assets.kpmg.com/content/dam/kpmg/ch/pdf/ch-ordinance-concerning-capital-adequacy-en.pdf (14.05.2019)
  • Leo, M., Suneel Sharma - K. Maddulety (2019), “Machine Learning in Banking Risk Management: A Literature Review”, MDPI, Basel, Switzerland. https://www.researchgate.net/publication/331538099_Machine_Learning_in_Banking_Risk_Management_A_Literature_Review (19.09.2019)
  • Mongiardino, A. (2019), “Challenges in Managing Financial Risk in the Future: A Practitioner’s Perspective”, 10th Risk Summit, Cambridge Centre for Risk Studies, https://www.jbs.cam.ac.uk/fileadmin/user_upload/research/centres/risk/downloads/192006_risksummit_presentation_mongiardino.pdf, (22.09.2019)
  • Merton, R. C. (1973), “Theory of Rational Option Pricing”, Bell Journal of Economics and Management Science, 4 (Spring, 1973), 141-183.
  • Oliver Wyman (2017), “The State of the Financial Services Industry 2017 -Transformıng For Future Value”, [online] https://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2017/jan/The%20State%20of%20the%20Financial%20Services%20Industry%202017.pdf (14.05.2019)
  • Stulz, R.M., (2003), Risk Management and Derivatives. Thomson South-Western, USA.
  • Stulz, R.M., (1996), Rethinking risk management. Journal of Applied Corporate Finance 9, pp.8-25.
  • Prudential Regulation Authority (PRA) (2018), “Transition in Thinking: The Impact Of Climate Change On The UK banking sector”, Policy Statement, https://www.bankofengland.co.uk/-/media/boe/files/prudential-regulation/report/transition-in-thinking-the-impact-of-climate-change-on-the-uk-banking-sector.pdf?la=en&hash=A0C99529978C94AC8E1C6B4CE1EECD8C05CBF40D
  • PwC (2014)," Retail Banking 2020 Evolution or Revolution?", [online] https://www.pwc.com/gx/en/banking-capital-markets/banking-2020/assets/pwc-retail-banking-2020-evolution-or-revolution.pdf (10.05.2019)
  • Ross, S.M. (2014), Introduction to Probability Models Eleventh Edition, Elsevier Publications, ISBN 978-0-12-407948-9.
  • Tapen Sinha and Francisco Cham´U, (2000), “Comparing Different Methods of Calculating Value at Risk”, [online] Working Paper Series, http://papers.ssrn.com/sol3/papers.cfm?abstract_id=706582&rec=1&srcabs=87288, (12.05.2019)
  • Thodla Sekhar (2014), " Changing the Organizational DNA – The Spread of Risk Culture", Independent Professional Member – Board Governance Committees, National Bank of Fujairah, GARP, [online] http://www.garp.org/newmedia/presentations/changingtheorganizationaldna_sekharthodla_111214.pdf , (12.05.2019)
  • Tursoy, T. (2018), “Risk management process in banking industry”, Online at https://mpra.ub.uni-muenchen.de/86427/ MPRA Paper No. 86427, posted 02 May 2018 14:20 UTC.
  • Van Steenis, H (2019), “Future of Finance Review on the Outlook for the UK Financial System: What It Means for the Bank of England”, Future of Finance Report, Bank of England, https://www.bankofengland.co.uk/report/2019/future-of-finance (20.10.2019)
  • Warwick Ashford (2016), “Financial institutions on high alert for major cyber attack,” ComputerWeekly.com, February 11, 2016, [online] https://www.computerweekly.com/news/4500272926/Financial-institutions-on-high-alert-for-major-cyber-attack , (15.05.2019)
  • World Economic Forum (WEF) (2019), Global Risks Report, Survey, http://www3.weforum.org/docs/WEF_Global_Risks_Report_2019.pdf , (16.10.2019)
Year 2020, Issue: 86, 267 - 287, 06.04.2020
https://doi.org/10.25095/mufad.710380

Abstract

References

  • Arner, D.W., Barberis J.,- Buckley R. (2015), “The Evolution of Fintech: A New Post-Crisis Paradigm, SSRN Electronic Journal 47(4):1271-1319 • January 2016, University of Hong Kong Faculty of Law Research Paper No. 2015/047, DOI: 10.2139/ssrn.2676553.
  • Accenture (2017), "The Hidden Value Of Risk In Banking", Banking Report, [online] Available https://www.accenture.com/t20170905T060353Z__w__/ie-en/_acnmedia/PDF-60/Accenture-Global-Risk-Study-2017-Banking-Report.pdf, (10.05.2019)
  • Artzner , P.- Delbaen, F.- Eber, J.M.- Heath, D. (1999), “Coherent Measures Of Risk”, Mathematical Finance, 9, pp.203-228.
  • Arndorfer I. - Minto A., (2015), “The “four lines of defense model” for financial institutions”, Occasional Paper No. 11, Bank for International Settlements. https://www.bis.org/fsi/fsipapers11.pdf (08.10.2019)
  • Aveni, Tyler (2015), "New Insights Into An Evolving P2P Lending Industry: how Shifts In Roles And Risk Are Shaping The Industry", Credit Suisse, [online] Available https://www.findevgateway.org/sites/default/files/publication_files/new_insights_into_an_evolving_p2p_lending_industry_positiveplanet2015.pdf (12.06.2019)
  • Basak , S.- Shapiro, A., (2001), “Value-at-risk Based Risk Management: Optimal Policies And Asset Prices”, Review of Financial Studies 14, 371-405.
  • Basel Committee on Banking Supervision , (2016), Amendment to The Capital Accord To Incorporate Market Risks, Bank for International Settlements.
  • Basel Committee on Banking Supervision, (2015), Supervisory Framework For The Use Of “Backtesting” In Conjunction With The Internal Models Approach To Market Risk Capital Requirements, Bank for International Settlements.
  • BDDK, (2010), Bankacılık Sektörü Basel II İlerleme Raporu, Şubat 2010, [online] Available http://www.bddk.org.tr/WebSitesi/turkce/Basel II/7613%C4%B0lerlemeRaporu-02-10.pdf , (20.05.2019)
  • Berkowitz, Jeremy – James, O'Brien (2002), “How Accurate Are Value-At-Risk Models at Commercial Banks?”, Journal of Finance 57, pp. 1093-1111.
  • Bozkuş, Sezer (2005), "Risk Ölçümünde Alternatif Yaklaşımlar: Riske Maruz Değer (VaR) ve Beklenen Kayıp (ES) Uygulamaları", Cilt 20, sayı 2, ss. 27-45. Dokuz Eylül Üniversitesi İİBF Dergisi, [online] Available https://iibfdergi.deu.edu.tr/index.php/cilt1-sayi1/article/view/190/pdf_169, (15.05.2019)
  • Committee of Sponsoring Organizations of the Treadway Commission -COSO (2017), " Enterprise Risk Management Integrating with Strategy and Performance Executive Summary ", [online] Available https://www.coso.org/Documents/2017-COSO-ERM-Integrating-with-Strategy-and-Performance-Executive-Summary.pdf , (15.05.2019)
  • Crawford, Jason (2017), "Regulation’s Influence on Risk Management and Management Control Systems in Banks", Uppsala Universitet, Department of Business Studies, [online] Available https://uu.diva-portal.org/smash/get/diva2:1151290/FULLTEXT01.pdf , (15.05.2019)
  • Crouhy, Michel - Robert, Mark, - Dan, Galai (2014), The Essentials of Risk Management, McGraw Hill Education.
  • Danielsson, J. - Embrechts, P. - Goodhart, C. - Keating, C. - Muennich, F. - Renault, O. - Song Shin, H. (2001), An Academic Response to Basel II, Working Paper, London School of Economics.
  • Dionne, G., (2004)." The Foundations Of Risk Regulation For Banks: A Review Of The Literature. In: The Evolving Financial System And Public Policy", Proceedings of a conference held by the Bank of Canada, 177-215, Ottawa, Canada.
  • Dionne G., (2013), " Risk Management: History, Definition And Critique", HEC Montreal - Department of Finance, [online] Available https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2231635 , (15.05.2019)
  • Deloitte (2017), "Strategic Risk Management in Banking", [online] https://www2.deloitte.com/content/dam/Deloitte/lu/Documents/financial-services/Banking/lu_inside_issue14_strategic_risk_management.pdf , (15.05.2019)
  • EBA (2017), "Risk Assessment Of The European Banking System", European Banking Authority, [online] https://www.eba.europa.eu/documents/10180/2037825/Risk+Assessment+Report+-+November+2017.pdf , (15.05.2019)
  • EY (2015), "Rethinking Risk Management Banks Focus On Non-Financial Risks And Accountability", 2015 risk management survey of major financial institutions, [online] http://www.ey.com/Publication/vwLUAssets/EY-rethinking-risk-management/$FILE/EY-rethinking-risk-management.pdf , (10.05.2019)
  • Field, P., (2003), Introduction to Modern Risk Management, A History. Incisive RWG, Haymarket House, London.
  • Garisde Thomas and Jonathan Mitchell (2017), "The Future Of Risk Management Ten Years After The Crisis", [online] http://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2017/sep/OW-Future-of-Risk-2017.pdf , (12.05.2019)
  • Jorion P., (2006), Value at Risk: The New Benchmark for Managing Financial Risk, McGraw-Hill, 3rd Edition. 978-0-07-146495-6
  • JP Morgan, (1996), Riskmetrics – Technical Document, JP Morgan, Fourth Edition.
  • Jeune Solange Le (2015), “Banks: a New Approach To Risk? Governance, Culture And Risk In A Revamped Banking Industry”, Schroders press release, Jan 2015, [online] https://www.schroders.com/en/sysglobalassets/staticfiles/schroders/sites/global/press-releases/banks-a-new-approach-to-risk.pdf , (12.05.2019)
  • Haugh Martin, (2010), "Risk Measures, Risk Aggregation and Capital Allocation", [online] http://www.columbia.edu/~mh2078/RiskMeasures.pdf, (12.05.2019) Institute of Internal Auditors (IIA) (2013), IIA Position Paper: The Three Lines of Defense in Effective Risk Management and Control, https://na.theiia.org/standards-guidance/Public%20Documents/PP%20The%20Three%20Lines%20of%20Defense%20in%20Effective%20Risk%20Management%20and%20Control.pdf
  • IBM (2017), "Future of Risk Management", [online]( https://www-01.ibm.com/events/wwe/grp/grp304.nsf/vLookupPDFs/Neil%20Dodgson%20Presentation%20The%20Future%20of%20Risk%20Management/$file/Neil%20Dodgson%20Presentation%20The%20Future%20of%20Risk%20Management.pdf (12.05.2019)
  • IIF and McKinsey (2017), "The Future Of Risk Management In The Digital Era", [online] https://www.iif.com/system/files/32370132_the_future_of_risk_management_in_the_digital_era_-_iif_and_mckinsey.pdf , (12.05.2019)
  • International Data Corporation (IDC) (2019) “IDC FutureScape: Worldwide Financial Services 2019 Predictions”, [online] https://www.idc.com/getdoc.jsp? containerId=US44567818 , (10.05.2019)
  • Kearney A.T. (2014), "Banking Strategies for Future", [online] Available https://www.atkearney.com/documents/10192/4598780/Banking+Strategies+for+the+Future.pdf/cc0f08b2-e5f6-49bf-899d-d1699f45dec0 , (18.05.2019)
  • KPMG, (2017), "Capital Adequacy and Risk Diversification for Banks and Securities Dealers", [online] Available https://assets.kpmg.com/content/dam/kpmg/ch/pdf/ch-ordinance-concerning-capital-adequacy-en.pdf (14.05.2019)
  • Leo, M., Suneel Sharma - K. Maddulety (2019), “Machine Learning in Banking Risk Management: A Literature Review”, MDPI, Basel, Switzerland. https://www.researchgate.net/publication/331538099_Machine_Learning_in_Banking_Risk_Management_A_Literature_Review (19.09.2019)
  • Mongiardino, A. (2019), “Challenges in Managing Financial Risk in the Future: A Practitioner’s Perspective”, 10th Risk Summit, Cambridge Centre for Risk Studies, https://www.jbs.cam.ac.uk/fileadmin/user_upload/research/centres/risk/downloads/192006_risksummit_presentation_mongiardino.pdf, (22.09.2019)
  • Merton, R. C. (1973), “Theory of Rational Option Pricing”, Bell Journal of Economics and Management Science, 4 (Spring, 1973), 141-183.
  • Oliver Wyman (2017), “The State of the Financial Services Industry 2017 -Transformıng For Future Value”, [online] https://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2017/jan/The%20State%20of%20the%20Financial%20Services%20Industry%202017.pdf (14.05.2019)
  • Stulz, R.M., (2003), Risk Management and Derivatives. Thomson South-Western, USA.
  • Stulz, R.M., (1996), Rethinking risk management. Journal of Applied Corporate Finance 9, pp.8-25.
  • Prudential Regulation Authority (PRA) (2018), “Transition in Thinking: The Impact Of Climate Change On The UK banking sector”, Policy Statement, https://www.bankofengland.co.uk/-/media/boe/files/prudential-regulation/report/transition-in-thinking-the-impact-of-climate-change-on-the-uk-banking-sector.pdf?la=en&hash=A0C99529978C94AC8E1C6B4CE1EECD8C05CBF40D
  • PwC (2014)," Retail Banking 2020 Evolution or Revolution?", [online] https://www.pwc.com/gx/en/banking-capital-markets/banking-2020/assets/pwc-retail-banking-2020-evolution-or-revolution.pdf (10.05.2019)
  • Ross, S.M. (2014), Introduction to Probability Models Eleventh Edition, Elsevier Publications, ISBN 978-0-12-407948-9.
  • Tapen Sinha and Francisco Cham´U, (2000), “Comparing Different Methods of Calculating Value at Risk”, [online] Working Paper Series, http://papers.ssrn.com/sol3/papers.cfm?abstract_id=706582&rec=1&srcabs=87288, (12.05.2019)
  • Thodla Sekhar (2014), " Changing the Organizational DNA – The Spread of Risk Culture", Independent Professional Member – Board Governance Committees, National Bank of Fujairah, GARP, [online] http://www.garp.org/newmedia/presentations/changingtheorganizationaldna_sekharthodla_111214.pdf , (12.05.2019)
  • Tursoy, T. (2018), “Risk management process in banking industry”, Online at https://mpra.ub.uni-muenchen.de/86427/ MPRA Paper No. 86427, posted 02 May 2018 14:20 UTC.
  • Van Steenis, H (2019), “Future of Finance Review on the Outlook for the UK Financial System: What It Means for the Bank of England”, Future of Finance Report, Bank of England, https://www.bankofengland.co.uk/report/2019/future-of-finance (20.10.2019)
  • Warwick Ashford (2016), “Financial institutions on high alert for major cyber attack,” ComputerWeekly.com, February 11, 2016, [online] https://www.computerweekly.com/news/4500272926/Financial-institutions-on-high-alert-for-major-cyber-attack , (15.05.2019)
  • World Economic Forum (WEF) (2019), Global Risks Report, Survey, http://www3.weforum.org/docs/WEF_Global_Risks_Report_2019.pdf , (16.10.2019)
There are 46 citations in total.

Details

Primary Language Turkish
Subjects Business Administration
Journal Section Articles
Authors

Sezer Bozkuş Kahyaoğlu 0000-0003-2865-3399

Ganite Kurt This is me 0000-0001-6438-2501

Publication Date April 6, 2020
Submission Date June 28, 2019
Published in Issue Year 2020 Issue: 86

Cite

APA Bozkuş Kahyaoğlu, S., & Kurt, G. (2020). Banka Risk Yönetiminde Gelecek Beklentileri. Muhasebe Ve Finansman Dergisi(86), 267-287. https://doi.org/10.25095/mufad.710380
AMA Bozkuş Kahyaoğlu S, Kurt G. Banka Risk Yönetiminde Gelecek Beklentileri. Muhasebe ve Finansman Dergisi. April 2020;(86):267-287. doi:10.25095/mufad.710380
Chicago Bozkuş Kahyaoğlu, Sezer, and Ganite Kurt. “Banka Risk Yönetiminde Gelecek Beklentileri”. Muhasebe Ve Finansman Dergisi, no. 86 (April 2020): 267-87. https://doi.org/10.25095/mufad.710380.
EndNote Bozkuş Kahyaoğlu S, Kurt G (April 1, 2020) Banka Risk Yönetiminde Gelecek Beklentileri. Muhasebe ve Finansman Dergisi 86 267–287.
IEEE S. Bozkuş Kahyaoğlu and G. Kurt, “Banka Risk Yönetiminde Gelecek Beklentileri”, Muhasebe ve Finansman Dergisi, no. 86, pp. 267–287, April 2020, doi: 10.25095/mufad.710380.
ISNAD Bozkuş Kahyaoğlu, Sezer - Kurt, Ganite. “Banka Risk Yönetiminde Gelecek Beklentileri”. Muhasebe ve Finansman Dergisi 86 (April 2020), 267-287. https://doi.org/10.25095/mufad.710380.
JAMA Bozkuş Kahyaoğlu S, Kurt G. Banka Risk Yönetiminde Gelecek Beklentileri. Muhasebe ve Finansman Dergisi. 2020;:267–287.
MLA Bozkuş Kahyaoğlu, Sezer and Ganite Kurt. “Banka Risk Yönetiminde Gelecek Beklentileri”. Muhasebe Ve Finansman Dergisi, no. 86, 2020, pp. 267-8, doi:10.25095/mufad.710380.
Vancouver Bozkuş Kahyaoğlu S, Kurt G. Banka Risk Yönetiminde Gelecek Beklentileri. Muhasebe ve Finansman Dergisi. 2020(86):267-8.