Basel II ve III kriterlerinin KOBİ'lerin finansman ve sermaye yapılarına etkileri
Küçük Resim Yok
Tarih
2015
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İstanbul Beykent Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Çalışmada, dünya genelinde birçok ülke tarafından yaygın olarak uygulanan Basel kriterlerinin, Türkiye'de KOBİ'lerin finansman ve sermeye yapıları üzerindeki etkileri araştırılmıştır. Basel kriterleri özünde, bankaların etkin risk yönetimi ve piyasa disiplini ile ilgili olarak sağlıklı bir bankacılık sisteminin oluşturulmasını amaçlamaktadır. Ancak beraberinde getirdiği standartlar, ekonominin vazgeçilmez gücü olarak nitelendirilen KOBİ'lerin finansman sorunları içerisinde yer alan; kredi ve teminat koşullarını, sermeye yapılarını dolaylı yollardan etkilemektedir. Bu etkiler imalat sektöründe faaliyet gösteren bir işletmenin 3 yıllık mali verileri incelenerek; Basel kriterleri ile birlikte bankalarca işletmelerin kredi taleplerinin ne şekilde değerlendirildiği örnek üzerinde açıklanmıştır. Değerlendirme sonucunda ise, ülkemiz için Basel kriterlerinin uygulanabilirliğinin henüz mümkün olmadığı, ülkemizde faaliyet gösteren KOBİ'lerin bilgi eksikliği, kayıtdışılık, kurumsallaşamama, markalaşamama vb. birçok alanda eksiklerinin bulunduğu ve bu durumların finansman sorunları yaşayan işletmelerin banka kredisi temininde büyük zorluklar yaşadığı ortaya çıkmaktadır. Anahtar Kelimeler : KOBİ, Finansman, Basel Kriterleri
Study, widely applied by many countries throughout the world, the Basel criterie's impact on the capital structure and funding of SMEs in Turkey, were investigated. The core of the Basel criteria, related of effective risk management and market discipline of banks aims to establish a healthy banking system. However, the standard coming together with Basel criteria, indirectly effects SMEs which is considered as an indispensable force of the economy; in such ways like financing problems, credit and guarantee conditions. These effects are founded as a result of 3 years examining the financial data of a company operating in the manufacturing sector, together with Basel criteria and the exanple of the evaluation process of the company's business demand for credit by banks. As a result of the evaluation process it is clear that applicability of the Basel criteria for our country is not possible yet. Some reasons behind these are; the lack of knowledge of SMEs in our country, being unregistered, being unable to institutionalization and branding and so on. So it is apparent that, with these circumstances lacking in many areas, many companies in our country that are having difficulty in financing have also big problems while obtainang bank loans. Key Word : SME, Finance, Basel Criteria'S
Study, widely applied by many countries throughout the world, the Basel criterie's impact on the capital structure and funding of SMEs in Turkey, were investigated. The core of the Basel criteria, related of effective risk management and market discipline of banks aims to establish a healthy banking system. However, the standard coming together with Basel criteria, indirectly effects SMEs which is considered as an indispensable force of the economy; in such ways like financing problems, credit and guarantee conditions. These effects are founded as a result of 3 years examining the financial data of a company operating in the manufacturing sector, together with Basel criteria and the exanple of the evaluation process of the company's business demand for credit by banks. As a result of the evaluation process it is clear that applicability of the Basel criteria for our country is not possible yet. Some reasons behind these are; the lack of knowledge of SMEs in our country, being unregistered, being unable to institutionalization and branding and so on. So it is apparent that, with these circumstances lacking in many areas, many companies in our country that are having difficulty in financing have also big problems while obtainang bank loans. Key Word : SME, Finance, Basel Criteria'S
Açıklama
Anahtar Kelimeler
Bankacılık, Banking, İşletme
