Türk bankacılık sektöründe kredi faizi, kredi hacmi ve net kar arasındaki ilişki
Küçük Resim Yok
Tarih
2023
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İstanbul Ticaret Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Son yirmi yılda, gelişen piyasaların finans sektörüne yabancı sermaye yatırımları son derece artmıştır. Doğrudan yabancı sermaye yatırımları artık her ülke için önem arz etmektedir. Küreselleşmenin etkisiyle birlikte, yabancı sermayeli yatırımlar finans sektöründe daha fazla etkin hale gelmeye başlamıştır. Türkiye gibi gelişmekte olan ülkeler, doğrudan yabancı yatırımlar için tercih edilen destinasyonlar arasında yer almaktadır. 2000 ve 2001 yıllarında bankacılık sektöründe yaşanan krizlerin ardından gerçekleştirilen düzenlemeler ve dünya ekonomilerindeki büyüme trendi, bankacılık sektörünü daha çekici bir hale getirmiştir.Yabancı yatırımların cari açığa, istihdama, gayri safi yurtiçi hasılaya, kalite standartlarını rekabet kurallarıyla yükseltmeye olumlu katkıları olduğu inkar edilemez. Ayrıca, yabancı sermayenin dolaylı etkisi, üretim artışı nedeniyle bankacılık sisteminin mevduat ve kredi hacminde daha büyük bir artış ve ticaret hacmi ve kârdaki artıştır. Yabancı sermayeli yatırımların sektöre olan ikincil etkileri, gelişen piyasa koşulları ile birlikte hizmet standartları, ürün çeşitliliği ve kar marjı üzerinde çarpan etkisi yaratmasıdır. Bu çalışma, Türk bankacılık sektöründeki kredi faizi net karı ve hacminin, kamu ve özel bankaların net kârına olan etkilerini inceleyen bir test ve analiz sunmaktadır. Anahtar Kelimeler: Bankacılık sektörü, kredi faizi, kredi hacmi, net kar, Türkiye.
In the last two decades, foreign capital investments in the financial sector of emerging markets have increased tremendously. Foreign direct investment has become crucial for all nations in the current era of globalization. The financial sector has witnessed an increasing influx of foreign capital due to globalization. Turkey, as a developing country, stands out as a favored destination for foreign direct investments. The regulatory changes implemented in the aftermath of the banking crises in 2000 and 2001, coupled with the growth of global economies, have made the banking sector more appealing. It is undeniable that foreign investments have positively impacted the current account deficit, employment rates, gross domestic product, and the enhancement of quality standards through competition. Moreover, the indirect influence of foreign capital leads to a substantial rise in the deposit and loan volume within the banking system, driven by increased production, and an expansion of trade volume and profitability. The secondary effects of foreign capital investments on the sector are that it creates a multiplier effect on service standards, product variety and profit margin together with developing market conditions. This study presents tests and analyses conducted to examine the impact of net profits from loan interest and the overall volume of the Turkish banking sector on the net profits of both public and private banks. Keywords: Banking sector, loan interest, loan volume, net profit, Turkey.
In the last two decades, foreign capital investments in the financial sector of emerging markets have increased tremendously. Foreign direct investment has become crucial for all nations in the current era of globalization. The financial sector has witnessed an increasing influx of foreign capital due to globalization. Turkey, as a developing country, stands out as a favored destination for foreign direct investments. The regulatory changes implemented in the aftermath of the banking crises in 2000 and 2001, coupled with the growth of global economies, have made the banking sector more appealing. It is undeniable that foreign investments have positively impacted the current account deficit, employment rates, gross domestic product, and the enhancement of quality standards through competition. Moreover, the indirect influence of foreign capital leads to a substantial rise in the deposit and loan volume within the banking system, driven by increased production, and an expansion of trade volume and profitability. The secondary effects of foreign capital investments on the sector are that it creates a multiplier effect on service standards, product variety and profit margin together with developing market conditions. This study presents tests and analyses conducted to examine the impact of net profits from loan interest and the overall volume of the Turkish banking sector on the net profits of both public and private banks. Keywords: Banking sector, loan interest, loan volume, net profit, Turkey.
Açıklama
Finans Enstitüsü, Finans Ana Bilim Dalı, Uluslararası Bankacılık ve Finans Bilim Dalı
Anahtar Kelimeler
Bankacılık, Banking
