KOBİ'lerde fon yönetimi ve E-Finans
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Dosyalar
Tarih
2005
Yazarlar
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Yayıncı
Trakya Üniversitesi, Sosyal Bilimler Enstitüsü
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Çalısmada Türkiye'de KOBİ'ler ve E-Finans konularında bilgi verilerek; KOBİ'lerin finansal sorunları içinde fon yönetimi ile ilgili olanlarının önem derecesinin ortaya konuldugu I. Arastırmanın sonuçları belirtilmistir. KOBİ'lerin karsılastıkları finansal sorunlar içinde fon yönetimi ile ilgili olanlarına çogunluk çözüm getirebilme potansiyeli olan internet bankacılıgını KOBİ'lerin kullanmalarında yasadıkları güçlükler ise önem sıralaması ile II. Arastırmanın sonuçları olarak sunulmustur. E-Finansın günümüzdeki en ön plandaki gelisimi olan internet bankacılıgının KOBİ'ler tarafından kullanılmama nedenlerini ortadan kaldıracak E-Finans kapsamındaki yeni bir makro model ortaya konularak özellikleri belirtilmistir. KOBİ'lerin internet bankacılıgını kullanmama veya kullanamama nedenleri ile ilgili internet bankacılıgı E-Finans çözümünün yetersizliklerini gidererek E-Finansın önerilen baska bir modelinin de KOBİ'lerin finansal sorunlarına fon yönetimi ve nakit akısı ile ilgili olarak çözüm olabilecegini ispata yönelik tespitler teorik ve nitelikli veriye dayalı olarak sunulmustur. Böylece, E-Finansın KOBİ'lerin finansal sorunlarına çözüm getirebilme potansiyeli; internet bankacılıgının yetersiz oldugu konuları giderebilecek yine E-Finans kapsamındaki yeni bir modelle savunulmustur. Uygulamaya yönelik olan model Basel II kriterleri çerçevesindeki yeni ortama KOBİ 'lerin uyumunda; bankacılık sektörü için KOBİ bankacılıgı için yeni bir hizmet, kamu maliyesi için kayıt dısılıgın önlenmesine yeni bir araç ve KOBİ'leri E-Finans kullanarak finansal sorunlarını çözebilecekleri ve yeterince degerlendiremedikleri fon akısından yararlanabilecekleri yeni bir yöntem sunmaktadır.
In the study, after informing on SMEs in Turkey and E - Finance, within the financial challenges of SMEs; the significance of those which are related to fund management were mentioned as the results of the First Research. The difficulties on the use of internet banking which has a potential to solve the financial challenges encountered by the SMEs; especially the ones which are related to fund management were stated with their significance as the results of the Second Research. In the scope of E - Finance, a macro model which will eliminate the reasons why internet banking ? a leading development of E - Finance nowadays is not used by the SMEs was set and its specifications are mentioned. Clearing the lack that is related to the reasons why SMEs are not or can not use internet banking of E - Finance resolution - internet banking: the determinations which are to prove that another suggested model of E - Finance can also be a solution for the SMEs? financial problems on fund management and cash flow were offered theoretically and based on eligible data. Thus, the potential of E - Finance for being a solution for SMEs? financial problems was defended with a new model which can eliminate the lack of internet banking and which is still in the scope of E - Finance. For the adaptation of SMEs to the new environment in the frame of Basel II criteria; the model, which stands for the practise, offers a new product on SME banking for banking sector; a new instrument to eliminate informal economy for public finance; and for SMEs by using E - Finance: a new method through which the SMEs will be able to solve their financial problems and favour the flow of funds that they haven't been evaluated enough.
In the study, after informing on SMEs in Turkey and E - Finance, within the financial challenges of SMEs; the significance of those which are related to fund management were mentioned as the results of the First Research. The difficulties on the use of internet banking which has a potential to solve the financial challenges encountered by the SMEs; especially the ones which are related to fund management were stated with their significance as the results of the Second Research. In the scope of E - Finance, a macro model which will eliminate the reasons why internet banking ? a leading development of E - Finance nowadays is not used by the SMEs was set and its specifications are mentioned. Clearing the lack that is related to the reasons why SMEs are not or can not use internet banking of E - Finance resolution - internet banking: the determinations which are to prove that another suggested model of E - Finance can also be a solution for the SMEs? financial problems on fund management and cash flow were offered theoretically and based on eligible data. Thus, the potential of E - Finance for being a solution for SMEs? financial problems was defended with a new model which can eliminate the lack of internet banking and which is still in the scope of E - Finance. For the adaptation of SMEs to the new environment in the frame of Basel II criteria; the model, which stands for the practise, offers a new product on SME banking for banking sector; a new instrument to eliminate informal economy for public finance; and for SMEs by using E - Finance: a new method through which the SMEs will be able to solve their financial problems and favour the flow of funds that they haven't been evaluated enough.
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