Türkiye bankacılık sistemi açısından krediler ve kredi değerlendirmede kullanılan mali analiz yöntemleri
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Dosyalar
Tarih
2009
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Namık Kemal Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Bu çalışmanın amacı, Türk bankacılık sistemi içerisinde yer alan kredileri ele alarak işletmelerin büyümeleri açısından önemini belirlemek, kredileri yapıları ve çeşitleri yönünden sınıflandırılmak, kredi değerlendirmesinde önem arz eden kriterleri incelemektir. Çalışma; Bankacılık, Bankacılığın tarihçesi ve Türkiye’ deki gelişimi, kredi kavramı ve çeşitleri, kredi değerlendirmesinde kullanılan mali analiz yöntemlerini kapsamaktadır. Çalışmada, Türkiye’ deki tüm Banka Şubelerinden elde edilen orijinal veriler, BDDK ve çeşitli kuruluşların yayınları, konuyla ilgili daha önce yayınlanmış kongre, sempozyum ve çeşitli dergilerde yer alan bildiri sonuçlarından yararlanılarak konuyla ilgili bilgi ve veriler analiz edilmiş, tez amaç ve konusuna ilişkin değerlendirmeler yapılmıştır. Tez çalışması ile; kredilendirilecek şahıs veya firmaların belirlenmesi, tahlili ve analizi; bu aşamalarda kullanılan yöntemlerin etkinliği belirlenerek, ilgili analiz ve tahlil yöntemlerinin kredi lehtarları, bankalar ve ülke ekonomisi için önem arz ettiği sonucuna ulaşılmıştır.
The purpose of this work is to underline the importance of loans, which are provided in Turkish Banking System, in terms of growth of commercial operations, to classify loans according to their types and configurations and to review the criteria, which are significant in credit ranking. This work covers such topics as Banking, History and Development of Banking in Turkey, concept of loan and loan types and the financial analysis methods, which are used for credit rating. In this work, the original data received from all bank branches in Turkey, publications of Banking Regulation and Supervision Agency and various establishments, and the declarations, which were published at relevant congresses, symposiums and magazines previously, as well as other relevant data have been analyzed and evaluated with regard to the scope and the purpose of the thesis. In this work, importance of the methods, which are used at such steps like identification, examination and analysis of the creditable persons or firms, has been investigated; and it was concluded that such analysis and examination methods are significant for credit beneficiaries, banks and the country’s economy.
The purpose of this work is to underline the importance of loans, which are provided in Turkish Banking System, in terms of growth of commercial operations, to classify loans according to their types and configurations and to review the criteria, which are significant in credit ranking. This work covers such topics as Banking, History and Development of Banking in Turkey, concept of loan and loan types and the financial analysis methods, which are used for credit rating. In this work, the original data received from all bank branches in Turkey, publications of Banking Regulation and Supervision Agency and various establishments, and the declarations, which were published at relevant congresses, symposiums and magazines previously, as well as other relevant data have been analyzed and evaluated with regard to the scope and the purpose of the thesis. In this work, importance of the methods, which are used at such steps like identification, examination and analysis of the creditable persons or firms, has been investigated; and it was concluded that such analysis and examination methods are significant for credit beneficiaries, banks and the country’s economy.
Açıklama
Anahtar Kelimeler
Bankacılık, Mali Analiz, Kredi, Banking, Financial Analysis, Loan
