BİREYSEL EMEKLİLİK SİSTEMİNİN FİNANSAL DERİNLEŞMEYE ETKİSİNİN EKONOMETRİK ANALİZİ

Öz

Bir finansal sistemin başarısı, fon fazlası olan ekonomik birimlerle fon açığı olan ekonomik birimler arasındaki aracılık etme görevini ne kadar etkin bir şekilde yerine getirebildiğine bağlıdır. Bu nedenle finans sistemlerinin fon değişimine olanak tanıyacak araç çeşitliliğine sahip olması oldukça önemlidir. Son yıllarda teşvik edilen Bireysel Emeklilik Sistemi de, yurtiçi tasarrufların artırılmasına zemin hazırlayarak, finansal sistemin gelişimine destek sunmaktadır.

Bu çalışma, Türkiye ekonomisinde Bireysel Emeklilik Sistemi aracılığıyla yatırıma yönlendirilen fonların, finansal derinleşmeye katkısını ortaya koymayı amaçlamaktadır. Farklı modeller aracılığıyla tahmin edilen ekonometrik bulgular, Bireysel Emeklilik Sisteminde yatırıma yönlendirilen fonların finansal derinleşmeye pozitif katkı sağladığını ortaya koymaktadır.

Anahtar Kelimeler: Bireysel Emeklilik Sistemi, Eşbütünleşme, Finansal Derinleşme, Türkiye Ekonomisi

Anahtar Kelimeler

• bireysel emeklilik sistemi,eşbütünleşme,finansal derinleşme,türkiye ekonomisi

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