Ticari müşterilerin kredi ürünleri tercihleri
Küçük Resim Yok
Tarih
2015
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İstanbul Beykent Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Türkiye' de ve Dünya'da KOBİ'lerin ve ticari firmaların büyümesi ülke ekonomisi için çok büyük önem taşımaktadır. Bu firmaların her durum ve koşulda ayakta kalabilmesi ve ekonomiye katkılarının artması için sürekli büyümeleri, yoğun rekabet ortamında başarılı olabilmeleri ve gelişebilmeleri için yeterli ve doğru finansal desteğe sahip olmaları gerekmektedir. Bu çalışma kapsamında banka ve bankacılık kavramları, kredinin tanımı, fonksiyonları, ekonomik birimlerin fon ihtiyacının sebepleri, kredi kurumları hakkında genel tanımlayıcı bilgiler ve ticari müşterilere sunulan ticari kredi ürünler hakkında detaylı teorik bilgiler sunulmuştur. Tez konusu hakkında ayrıntılı literatür çalışması yapılmış, bu alanda yapılan benzer çalışmalar anlatılmıştır. Çalışmanın ampirik kısmında ticari bankalarla çalışan ve ticari kredi kullanan banka ticari müşterilerin ticari kredi ürün tercihlerini anlamak için ilişkisel tarama modeli, veri toplamada ise anket yöntemi kullanılmıştır. Araştırmada ismi G Bankası olarak geçen Türkiye'nin önemli ve büyük bankalarından birinin İstanbul ili Avrupa yakasında yer alan 200 müşterisinin cevaplarından faydalanılmıştır. Çalışma kapsamında bankaların firmalara sunmuş oldukları kredi ürünlerinin müşteriler tarafından algılanmalarındaki farklılıkların neler olduğu veya olabileceği, hem müşteri hem banka tarafında sorunların nasıl çözülebileceği konusunda önerilere yer verilmiştir.
Growth of SMEs and commercial companies in Turkey and the World are great importance for the country economy. These firms should have adequate and accurate financial support to survive in all circumstances, the continuous growth in order to increase their contribution to the economy, be achieved in intense competition environment and develop themselves. Concepts of Bank and banking, definition, functions of credit, the causes of the economic units needs funds, general descriptive information about credit institutions and detailed theoretical knowledge about commercial loan products offered to commercial customers are presented under this study. Similar studies emerged in detailed literature studies on the subject of the thesis are described. In empirical section of this study, relation model was used to understand the preferences of commercial loan products for customers which had been working with commercial banks and using commercial bank credits. The survey method used to collect data. It has benefited from the Responses of 200 customers of G Bank, which is name in research of located in the European side in İstanbul city and as a major of Turkey. There were what were or could be the differences of presented perceived by customers bank loans of the results to offer the companies and some suggestions how to solve the problem in the both the customer and the bank side in content of study.
Growth of SMEs and commercial companies in Turkey and the World are great importance for the country economy. These firms should have adequate and accurate financial support to survive in all circumstances, the continuous growth in order to increase their contribution to the economy, be achieved in intense competition environment and develop themselves. Concepts of Bank and banking, definition, functions of credit, the causes of the economic units needs funds, general descriptive information about credit institutions and detailed theoretical knowledge about commercial loan products offered to commercial customers are presented under this study. Similar studies emerged in detailed literature studies on the subject of the thesis are described. In empirical section of this study, relation model was used to understand the preferences of commercial loan products for customers which had been working with commercial banks and using commercial bank credits. The survey method used to collect data. It has benefited from the Responses of 200 customers of G Bank, which is name in research of located in the European side in İstanbul city and as a major of Turkey. There were what were or could be the differences of presented perceived by customers bank loans of the results to offer the companies and some suggestions how to solve the problem in the both the customer and the bank side in content of study.
Açıklama
Anahtar Kelimeler
Bankacılık, Banking, Ekonomi
