Türk Bankacılık Sektöründe Kamu Sermayeli ve Özel Sermayeli Bankaların Kredi Verme Davranışlarındaki Asimetrinin Belirleyicileri (Determinants of Asymmetry in Lending Behavior of Public-Owned and Privately-Owned Banks in Turkish Banking Sector)

22 Pages Posted: 5 Jun 2020

See all articles by Çiğdem Kurt Cihangir

Çiğdem Kurt Cihangir

Hitit University - Faculty of Economics and Administrative Sciences

Date Written: March 2, 2020

Abstract

Turkish abstract: Bu çalışmada kamu sermayeli (KSB) ve özel sermayeli (ÖSB) bankaların kredi verme davranışlarındaki asimetrinin nedenleri ARDL Sınır Testi ile araştırılmıştır. KSB ve ÖSB’lerin kredi hacimleri ile takipteki krediler ve belirlenen makroekonomik göstergeler arasında kısa ve uzun dönemde ilişki olduğu tespit edilmiştir. Uzun dönemde KSB’lerin kredi hacminde etkili olan tek değişken takipteki kredilerken; ÖSB’lerin kredi hacminde takipteki kredilerle birlikte döviz kuru ve ekonomik güven endeksinin de etkili olduğu belirlenmiştir. Buna göre KSB’lerin aktif karşı-konjontrürel (döngüsel) rol üstlendikleri söylenebilir.

English abstract: In this study the causes of asymmetry in lending behaviors of public-owned banks(PuBs) and privately-owned (PrBs) banks are investigated with ARDL Boundary Test. It is find that there is a short and long term relationships between the credit volumes of the public-owned banks and privately-owned banks and the non-performing loans and the identified macroeconomic indicators. In the long term, the only variable that has an impact on the credit volume of publicowned banks is non-performing loans; although, the variables that are effective in the credit volume of the privately-owned banks are non-performing loans, exchange rate and the economic confidence index. Accordingly, it can be said that public-owned banks play an active counter-cyclical role.

Note: Downloadable document available in Turkish.

Keywords: Kamu Sermayeli Bankalar, Özel Sermayeli Bankalar, Kredi Verme Davranışı, Public-Owned Banks, Privately-Owned Banks, Lending Behavior

JEL Classification: E44, G21, G28

Suggested Citation

Cihangir, Çiğdem Kurt, Türk Bankacılık Sektöründe Kamu Sermayeli ve Özel Sermayeli Bankaların Kredi Verme Davranışlarındaki Asimetrinin Belirleyicileri (Determinants of Asymmetry in Lending Behavior of Public-Owned and Privately-Owned Banks in Turkish Banking Sector) (March 2, 2020). Available at SSRN: https://ssrn.com/abstract=3598872 or http://dx.doi.org/10.2139/ssrn.3598872

Çiğdem Kurt Cihangir (Contact Author)

Hitit University - Faculty of Economics and Administrative Sciences ( email )

Turkey

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