Apex bankacılığının Türk bankacılık ve finans sektörü üzerine etkilerinin incelenmesi
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Dosyalar
Tarih
2022
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Trakya Üniversitesi Sosyal Bilimler Enstitüsü
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Türk bankacılık ve finans sektörünü istihdam, ihracat ve kredi stoku gibi unsurlarla etkileyen KOBİ’ler ülkemizde önemli bir yere sahiptir. Çalışma kapsamı; öncelikle KOBİ’lerin uluslararası kuruluşlardaki ve Türkiye’deki kurumlarda geçerli olan tanımına değinilmiştir. KOBİ tanımları genel olarak nicel ölçütler (çalışan sayısı, ciro veya aktif büyüklük) üzerine yapılmıştır. Büyük işletmeler karşısındaki avantaj ve dezavantajları incelenmiştir. Türkiye’de KOBİ’lere sağlanan finansal destekleri iç ve dış banka kredileri olarak incelenmiştir. KOBİ’lere sağlanan kredilerin uzun vadeli ve düşük faiz oranlı olduğu görülmüştür. Ancak KOBİ’lere sağlanan krediler, öncelikli yörelerde bulunan küçük işletmelere ve KOBİ’lere yeterli, hızlı ve etkin olamamıştır. Etkinliği ve yeterliliği sağlayacak olan APEX bankacılığı sistemi ile KOBİ kredileri hız kazanmıştır. Uluslararası kuruluşlardan sağlanan fonların, ülkemizdeki APEX bankalar aracılığıyla KOBİ’lere kullandırılması APEX bankacılığı sistemidir. APEX bankacılığı ile istihdam, banka kredi stokları, banka işlem hacmi, ihracat ve reel sektör olumlu etkilenmiştir. Bu çalışmada, ekonomiyi canlandıran KOBİ’lere yönelik tasarlanan APEX bankacığının Türk bankacılık ve finans sektörü üzerindeki etkisi incelenmiş ve konuyla ilgili ekonometrik analiz yapılmıştır.
SMEs that affect the Turkish banking and financial sector with elements such as employment, exports and credit inventory have an important place in our country. The scope of the study; first of all, the definition of SMEs applicable to international organizations and institutions in Turkey was mentioned. SME definitions are generally made on quantitative criteria (number of employees, turnover or active size). The advantages and disadvantages of large enterprises are examined. The financial support provided to SMEs in Turkey has been examined as internal and external bank loans. It has been observed that the loans provided to SMEs are long-term and with low interest rates. However, the loans provided to SMEs were not sufficient, fast and effective for small businesses and SMEs located in priority regions. SME loans have gained momentum with the APEX banking system, which will ensure efficiency and adequacy. APEX banking system is the use of funds provided by international organizations to SMEs through APEX banks in our country. Employment, bank credit stocks, bank transaction volume, exports and the real sector were positively affected by APEX banking. In this study, the effect of APEX banking designed for SMEs that stimulate the economy on the Turkish banking and financial sector was examined and econometric analysis was performed on the subject.
SMEs that affect the Turkish banking and financial sector with elements such as employment, exports and credit inventory have an important place in our country. The scope of the study; first of all, the definition of SMEs applicable to international organizations and institutions in Turkey was mentioned. SME definitions are generally made on quantitative criteria (number of employees, turnover or active size). The advantages and disadvantages of large enterprises are examined. The financial support provided to SMEs in Turkey has been examined as internal and external bank loans. It has been observed that the loans provided to SMEs are long-term and with low interest rates. However, the loans provided to SMEs were not sufficient, fast and effective for small businesses and SMEs located in priority regions. SME loans have gained momentum with the APEX banking system, which will ensure efficiency and adequacy. APEX banking system is the use of funds provided by international organizations to SMEs through APEX banks in our country. Employment, bank credit stocks, bank transaction volume, exports and the real sector were positively affected by APEX banking. In this study, the effect of APEX banking designed for SMEs that stimulate the economy on the Turkish banking and financial sector was examined and econometric analysis was performed on the subject.
Açıklama
Anahtar Kelimeler
KOBİ, APEX, Reel sektör, İstihdam ve ihracat, SME, Real sector, Employment and exports
