BANKA İSTİKRARINA REKABET, YOĞUNLAŞMA VE FİNANSAL TABANA YAYILMANIN ETKİSİ

Yıl 2025, Cilt: 6 Sayı: 11, 53 - 64, 30.06.2025

Belma Arslan

https://doi.org/10.51727/tbj.1701451

Cited By: 1

Öz

Bu çalışma, 2010-2020 yılları arasında Türk bankacılık sektöründe rekabet, yoğunlaşma ve finansal tabana yayılmanın banka istikrarı üzerindeki etkilerini incelemektedir. Rekabetin istikrarı mı yoksa kırılganlığı mı artırdığı sorusuna ilişkin olarak, literatür genellikle iki görüşten birini benimsemektedir. Bu çalışma kapsamında, Türk bankacılık sektörünün rekabet düzeyi Panzar-Rosse modeli ile temsil edilirken, k-banka yoğunlaşması ve HHI endeksleri yoğunlaşma düzeyinin bir göstergesi olarak kullanılmıştır. Çalışmanın sonuçları, literatürde sıklıkla desteklenen rekabet-istikrar görüşüne destek sağlamaktadır. Çalışma, finansal tabana yayılmayı istikrar-rekabet-yoğunlaşma çerçevesine dahil ederek literatüre katkı sağlamıştır. Sonuçlar ayrıca finansal kapsayıcılığın sermaye dışındaki değişkenler üzerinde olumlu bir etkisi olduğunu göstermektedir.

Anahtar Kelimeler

Rekabet , Yoğunlaşma , İstikrar , Finansal tabana yayılma

THE EFFECT OF COMPETITION, CONCENTRATION AND FINANCIAL INCLUSION ON BANK STABILITY

Öz

This paper examines the effects of competition, concentration and financial inclusion on bank stability in the Turkish banking industry from 2010 to 2020. Regarding the question of whether competition promotes stability or fragility, the literature often takes one of two positions. Within the scope of this study, the level of competition of the Turkish banking sector is determined by Panzar-Rosse model while k-bank concentration and HHI are used as a proxy of concentration level. The results of the study provide support for the competition-stability view, which is frequently supported in the literature. The study has enhanced the literature by incorporating financial inclusion into the stability-competition-concentration framework. The results also indicate that financial inclusion has a positive effect on variables other than capital.

Anahtar Kelimeler

Competition , Concentration , Financail inclusion , Financial stability

Kaynakça

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