Yıl 2020, Cilt 4 , Sayı 1, Sayfalar 33 - 54 2020-03-13

Türk Bankacılık Sektöründe Kamu Sermayeli ve Özel Sermayeli Bankaların Kredi Verme Davranışlarındaki Asimetrinin Belirleyicileri
Determinants of Asymmetry in Lending Behavior of Public-Owned and Privately-Owned Banks in Turkish Banking Sector

Çiğdem KURT CİHANGİR [1]


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. 

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. 

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Orcid: 0000-0003-1761-1038
Yazar: Çiğdem KURT CİHANGİR (Sorumlu Yazar)
Kurum: HİTİT ÜNİVERSİTESİ
Ülke: Turkey


Tarihler

Yayımlanma Tarihi : 13 Mart 2020

APA KURT CİHANGİR, Ç . (2020). Türk Bankacılık Sektöründe Kamu Sermayeli ve Özel Sermayeli Bankaların Kredi Verme Davranışlarındaki Asimetrinin Belirleyicileri. Mehmet Akif Ersoy Üniversitesi Uygulamalı Bilimler Dergisi , 4 (1) , 33-54 . DOI: 10.31200/makuubd.679750