{"id":1895,"date":"2012-04-19T12:28:42","date_gmt":"2012-04-19T17:28:42","guid":{"rendered":"http:\/\/www.berjournal.com\/?p=1895"},"modified":"2012-04-19T12:59:49","modified_gmt":"2012-04-19T17:59:49","slug":"turk-bankacilik-sektorunde-optimal-kredi-duzeyinin-belirlenmesi","status":"publish","type":"post","link":"https:\/\/www.berjournal.com\/tr\/turk-bankacilik-sektorunde-optimal-kredi-duzeyinin-belirlenmesi","title":{"rendered":"T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcnde Optimal Kredi D\u00fczeyinin Belirlenmesi"},"content":{"rendered":"\n\n<\/colgroup>\n\n\n\n\n\n\n\n
Makale Bilgileri<\/strong><\/span><\/span><\/td>\n<\/tr>\n

\nDergi:<\/strong><\/span><\/span>\u0130\u015fletme ve Ekonomi Ara\u015ft\u0131rmalar\u0131 Dergisi
\n<\/span>Makalenin Ba\u015fl\u0131\u011f\u0131:<\/strong><\/span><\/span> T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcnde Optimal Kredi D\u00fczeyinin Belirlenmesi
\n<\/span>Yazar(lar):<\/strong><\/span><\/span> Erkan Poyraz
\n<\/span>Cilt:<\/strong><\/span><\/span>3
\n<\/span>Say\u0131:<\/strong><\/span><\/span>2
\n<\/span>Y\u0131l:<\/strong><\/span><\/span>2012
\n<\/span>Sayfa:<\/strong><\/span><\/span> 41 – 49
\n<\/span>ISSN:<\/strong><\/span><\/span>1309-2448<\/span><\/td>\n<\/tr>\n
\u00d6zet<\/strong><\/span><\/span><\/td>\n<\/tr>\n
\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn ulusal ekonomi i\u00e7erisinde b\u00fcy\u00fck \u00f6nemi vard\u0131r. Bankalar tasarruf sahipleri ve bunu tahsis etmek isteyenlerle ekonomik kalk\u0131nma i\u00e7in \u00f6d\u00fcn\u00e7 almak isteyenler aras\u0131ndaki hayati fonksiyonu sa\u011flar. Bu iki asli fonksiyon bir \u00fclkenin bankalar\u0131 taraf\u0131ndan etkin kullan\u0131lmazsa ekonomik performans ciddi derecede engellenir. Bankalar\u0131n asli g\u00f6revi mevduat kabul etmek ve bu mevduatlar\u0131 direk ya da sermaye piyasas\u0131 \u00fczerinden kredi olarak aktarmakt\u0131r. Bu \u00e7al\u0131\u015fmada kredi kulland\u0131rma d\u00fczeyi ile karl\u0131l\u0131k aras\u0131nda herhangi bir korelasyonun olup olmad\u0131\u011f\u0131 tespit edilmeye \u00e7al\u0131\u015f\u0131lm\u0131\u015ft\u0131r. Buna ek olarak optimal kredi d\u00fczeyi belirlenmeye \u00e7al\u0131\u015f\u0131lm\u0131\u015ft\u0131r. Aktif kalitesini belirleyen en iyi g\u00f6sterge olan Toplam krediler \/ toplam aktif oran\u0131 ba\u011f\u0131ms\u0131z de\u011fi\u015fken, net kar \/ toplam aktif ve net kar \/ \u00f6zsermaye oranlar\u0131 ise ba\u011f\u0131ml\u0131 de\u011fi\u015fken olarak kabul edilmi\u015ftir. <\/span>Bu de\u011fi\u015fkenler aras\u0131nda regresyon ve korelasyon analizi yap\u0131lm\u0131\u015ft\u0131r.<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Anahtar Kelimeler:<\/strong><\/span><\/span> Bankac\u0131l\u0131k, Kredi kulland\u0131rma, Karl\u0131l\u0131k oranlar\u0131, Finansal performans<\/span><\/p>\n<\/td>\n<\/tr>\n

JEL S\u0131n\u0131fland\u0131rmas\u0131:<\/strong><\/span><\/span> G20, G21, G32<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Makale Bilgileri Dergi:\u0130\u015fletme ve Ekonomi Ara\u015ft\u0131rmalar\u0131 Dergisi Makalenin Ba\u015fl\u0131\u011f\u0131: T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcnde Optimal Kredi D\u00fczeyinin Belirlenmesi Yazar(lar): Erkan Poyraz Cilt:3 Say\u0131:2 Y\u0131l:2012 Sayfa: 41 – 49 ISSN:1309-2448 \u00d6zet Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn ulusal ekonomi i\u00e7erisinde b\u00fcy\u00fck \u00f6nemi vard\u0131r. Bankalar tasarruf sahipleri ve bunu tahsis etmek isteyenlerle ekonomik kalk\u0131nma i\u00e7in \u00f6d\u00fcn\u00e7 almak isteyenler aras\u0131ndaki hayati fonksiyonu sa\u011flar. Bu […]<\/p>\n

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