{"id":2208,"date":"2013-01-22T20:33:12","date_gmt":"2013-01-22T18:33:12","guid":{"rendered":"http:\/\/www.berjournal.com\/?p=2208"},"modified":"2013-01-22T20:43:39","modified_gmt":"2013-01-22T18:43:39","slug":"asimetrik-bilgi-sorunu-cercevesinde-bankacilik-krizlerinin-nedenleri-uzerine-bir-inceleme-mikro-ekonomik-bir-yaklasim","status":"publish","type":"post","link":"https:\/\/www.berjournal.com\/tr\/asimetrik-bilgi-sorunu-cercevesinde-bankacilik-krizlerinin-nedenleri-uzerine-bir-inceleme-mikro-ekonomik-bir-yaklasim","title":{"rendered":"Asimetrik Bilgi Sorunu \u00c7er\u00e7evesinde Bankac\u0131l\u0131k Krizlerinin Nedenleri \u00dczerine Bir \u0130nceleme: Mikro Ekonomik Bir Yakla\u015f\u0131m"},"content":{"rendered":"<table width=\"534\" border=\"1\" frame=\"hsides\" cellspacing=\"0\" cellpadding=\"7\">\n<colgroup>\n<col width=\"544\" \/><\/colgroup>\n<tbody>\n<tr>\n<td valign=\"top\" bgcolor=\"#0188a6\" width=\"544\" height=\"15\"><span style=\"color: #ffffff;\"><span style=\"font-family: Arial, serif;\"><strong>Makale Bilgileri<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" bgcolor=\"#ffffff\" width=\"544\" height=\"169\"><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Dergi:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">\u0130\u015fletme ve Ekonomi Ara\u015ft\u0131rmalar\u0131 Dergisi<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Makalenin Ba\u015fl\u0131\u011f\u0131:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">Asimetrik Bilgi Sorunu \u00c7er\u00e7evesinde Bankac\u0131l\u0131k Krizlerinin Nedenleri \u00dczerine Bir \u0130nceleme: Mikro Ekonomik Bir Yakla\u015f\u0131m<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Yazar(lar):<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">Cem Okan Tuncel<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Cilt:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">4<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Say\u0131:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">1<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Y\u0131l:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">2013<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Sayfa:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">77-102<br \/>\n<\/span><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>ISSN:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\">1309-2448<\/span><\/td>\n<\/tr>\n<tr>\n<td bgcolor=\"#0188a6\" width=\"544\" height=\"16\"><span style=\"color: #ffffff;\"><span style=\"font-family: Arial, serif;\"><strong>\u00d6zet<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" bgcolor=\"#ffffff\" width=\"544\">\n<p align=\"justify\"><span style=\"font-family: Arial, serif;\">Bu \u00e7al\u0131\u015fman\u0131n amac\u0131 finansal sistemdeki asimetrik bilgi sorunun neden oldu\u011fu bankac\u0131l\u0131k krizlerini incelemektir. Asimetrik bilgi ve onunla ilgili problemleler finansal piyasalar\u0131n i\u015flevi \u00fczerinde \u00f6nemli etkile sahiptir. Arac\u0131l\u0131k s\u00fcrecinde sistemik risk \u00fcstlenmeleri nedeniyle finans literat\u00fcr\u00fcnde banka firmas\u0131 \u00f6zel bir arac\u0131 olarak ele al\u0131nmaktad\u0131r. Finansal liberalizasyon sonras\u0131 d\u00f6nemde \u00fclke i\u00e7indeki faiz oranlar\u0131 artmakta ve g\u00f6zetim ve denetim faaliyetlerinin yetersiz olmas\u0131 nedeniyle bankac\u0131l\u0131k sekt\u00f6r\u00fcnde firma d\u00fczeyinde baz\u0131 ahlaki tehlike sorunlar\u0131 meydana gelmeye ba\u015flamaktad\u0131r. Hep iddia edildi\u011fi gibi e\u011fer finansal liberalizasyon bankac\u0131l\u0131k sistemi \u00fczerinde yeterli denetim sa\u011flanmadan ger\u00e7ekle\u015ftirilirse finansal arac\u0131lar a\u015f\u0131r\u0131 risk \u00fcstlenirler ve s\u00fcre\u00e7 sonu\u00e7ta bir krizle sonu\u00e7lan\u0131r. Bu \u00e7al\u0131\u015fmada bankalar\u0131n a\u015f\u0131r\u0131 risk \u00fcstlenme davran\u0131\u015flar\u0131 asimetrik bilgi sorunu \u00e7er\u00e7evesinde geli\u015ftirilen Yeni Keynesci kredi tay\u0131nlamas\u0131 modelinin sundu\u011fu teorik \u00e7er\u00e7eve i\u00e7inde analiz edilmekte ve banka iflaslar\u0131na neden olan ahlaki risk ve ters se\u00e7im sorunlar\u0131 da tart\u0131\u015f\u0131lmaktad\u0131r.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" bgcolor=\"#ffffff\" width=\"544\" height=\"22\">\n<p align=\"justify\"><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>Anahtar Kelimeler:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\"> Bankac\u0131l\u0131k Krizi, Asimetrik Bilgi, Sistemik Risk, Kredi Tay\u0131nlamas\u0131, Banka Firmas\u0131<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" bgcolor=\"#ffffff\" width=\"544\"><span style=\"color: #0188a6;\"><span style=\"font-family: Arial, serif;\"><strong>JEL S\u0131n\u0131fland\u0131rmas\u0131:<\/strong><\/span><\/span><span style=\"font-family: Arial, serif;\"> G21, D82, G01<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><table style=\"border: 0px solid #CCC;\" cellpadding=\"3\" width=\"100%\">\r\n  <tr>\r\n    <td width=\"35\">\r\n      <img decoding=\"async\" src=\"https:\/\/www.berjournal.com\/tr\/wp-content\/uploads\/icons\/pdf.gif\" alt=\"https:\/\/www.berjournal.com\/tr\/wp-content\/uploads\/icons\/pdf.gif\" width=20 height=18>\r\n    <\/td>\r\n    <td>\r\n      <b> \r\n<a href=\"https:\/\/www.berjournal.com\/tr\/?file_id=163\">Tam Metin\r\n<\/b> ( <span style=\"font-weight:bolder;\">\u2193<\/span> 4624)<\/a>    <\/td>\r\n  <\/tr>\r\n<\/table><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_2208\" class=\"pvc_stats all  \" data-element-id=\"2208\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/www.berjournal.com\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Makale Bilgileri Dergi:\u0130\u015fletme ve Ekonomi Ara\u015ft\u0131rmalar\u0131 Dergisi Makalenin Ba\u015fl\u0131\u011f\u0131:Asimetrik Bilgi Sorunu \u00c7er\u00e7evesinde Bankac\u0131l\u0131k Krizlerinin Nedenleri \u00dczerine Bir \u0130nceleme: Mikro Ekonomik Bir Yakla\u015f\u0131m Yazar(lar):Cem Okan Tuncel Cilt:4 Say\u0131:1 Y\u0131l:2013 Sayfa:77-102 ISSN:1309-2448 \u00d6zet Bu \u00e7al\u0131\u015fman\u0131n amac\u0131 finansal sistemdeki asimetrik bilgi sorunun neden oldu\u011fu bankac\u0131l\u0131k krizlerini incelemektir. Asimetrik bilgi ve onunla ilgili problemleler finansal piyasalar\u0131n i\u015flevi \u00fczerinde \u00f6nemli [&hellip;]<\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_2208\" class=\"pvc_stats all  \" data-element-id=\"2208\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/www.berjournal.com\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,1],"tags":[],"class_list":["post-2208","post","type-post","status-publish","format-standard","hentry","category-makale","category-manuscript"],"a3_pvc":{"activated":true,"total_views":58,"today_views":0},"_links":{"self":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/posts\/2208","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/comments?post=2208"}],"version-history":[{"count":0,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/posts\/2208\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/media?parent=2208"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/categories?post=2208"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.berjournal.com\/tr\/wp-json\/wp\/v2\/tags?post=2208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}