KREDİ KURUMLARI ARASINDAKİ BİLGİ PAYLAŞIMI: TÜRK FİNANS SEKTÖRÜ İÇİN TAVSİYELER

Öz

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.   

Anahtar Kelimeler

• Bilgi Paylaşımı,Kredi Piyasaları

INFORMATION SHARING BETWEEN CREDIT INSTITUTIONS: RECOMMENDATIONS FOR TURKISH FINANCIAL SECTOR

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?”.

Keywords

• Information Sharing,Credit Market,Financial Stabilit

Kaynakça

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