Nişantaşı Üniversitesi Sosyal Bilimler Dergisi 2147-5121 2717-7610 Nişantaşı Üniversitesi 10.52122/nisantasisbd.1447558 Monetary-Banking Para-Bankacılık MEVDUAT BANKALARINDA KOBİ VE MİKRO İŞLETME KREDİLERİ PAYININ BELİRLEYİCİLERİ: BANKA BÜYÜKLÜĞÜ, RİSK VE YUMUŞAK BİLGİ ETKİSİ DETERMINANTS OF SME AND MICRO BUSINESS LOANS’ SHARE IN DEPOSIT BANKS: THE EFFECT OF BANK SIZE, RISK AND SOFT INFORMATION https://orcid.org/0000-0002-6222-9076 Çelik Mustafa T.C. Mehmet Akif Ersoy Üniversitesi 07 03 2024 12 1 361 375 03 05 2024 05 21 2024 Copyright © 2013, Nişantaşı Üniversitesi Sosyal Bilimler Dergisi 2013 Nişantaşı Üniversitesi Sosyal Bilimler Dergisi

Çalışmanın amacı, mevduat bankalarında KOBİ ve mikro işletme kredileri payının bankaya özgü belirleyicilerini tespit etmektir. Bu kapsamda Türkiye’deki mevduat bankalarının 2010:1. çeyrek - 2023:2. çeyrek arası dönemdeki verileri kullanılmış ve bankaların KOBİ/mikro işletme kredisi payları ile çeşitli banka özellikleri arasındaki ilişkiler panel regresyon analizine tabi tutulmuştur. Analiz sonuçlarına göre banka büyüklüğü, sermaye yeterliliği, likidite durumu, aktif kalitesi, şube sayısı ile personel sayısının bankalarda KOBİ ve mikro işletme kredisi payları için belirleyiciler olduğu görülmüştür. Çalışma, literatürdeki büyük banka-büyük işletme / küçük banka-küçük işletme eşleşmesi ile paralel olmayan sonuçlar sunmakta ve KOBİ/mikro işletme kredilerinde yumuşak bilginin önemini ortaya koymaktadır.

The aim of this study is to reveal bank-specific determinants of SME and micro business loans’ share in deposit banks. In this context, by using quarterly banking data between 2010:Q1- 2023:Q2, relationship between banks' SME/micro business loan shares and various characteristics of banks is unveiled through panel regression analysis. According to the results, bank size, liquidity, asset quality, number of branches and number of bank staff are the determinants of the SME and micro business loans’ share in Turkish banks. The study presents results that are not in line with the large bank-large firm/small bank-small firm pairing in the literature and demonstrates the importance of the soft information in SME/micro business lending.

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