Tarımın finansmanı, özel banka uygulamaları ve Denizbank örneği
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Dosyalar
Tarih
2019
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Namık Kemal Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Bu çalışmada Türkiye’de tarımsal üretimin sürdürülebilirliği için önemli payı olan tarımın finansmanı incelenmiş, tarıma finansman sağlayan özel bankalar DenizBank örneği ile ele alınmıştır. Tarımın finansmanına yön verebilmek için hem teknik hem de ekonomik açıdan değerlendirme yapılması gerekmektedir. Üreticinin ihtiyaç duyduğu finansman ihti-yacını yanlış kredi politikaları ile karşılamaya çalışmak gelir ve gider dengesini bozmuş, bu kişileri üçüncü kişilerden finans desteği almaya zorlamıştır. Özel bankalardan olan Deniz-Bank tarım sektöründe oluşan bu gelişmeleri yakından takip etmiş, tarım sektörünün üretici-lerine doğru kredi modellerinin yanı sıra ziraat mühendislerinden oluşan ekibi ile teknik destek de sağlamıştır. Aynı zamanda tarım sektöründe oluşan teknolojik gelişmelerin artışı, girdi fiyatlarındaki şiddetli dalgalanmalar ve birim alandan en yüksek verimin sağlanması için üreticide artan finansman talebini de DenizBank karşılamıştır. Araştırma sonuçlarına göre, bankalar tarafından kullandırılan tarım kredilerinde kredi limit, vade, ödeme sıklığı ve ödeme tutarının üretim sonuçlarına göre belirlenebileceği esnek ödeme imkanlarının sağ-lanması, kredilerin kaynak bulma olanaklarının düzenlenerek teşvik edilmesi, kredi isteğini ve risk primini azaltıcı ve aynı zamanda üretim alanlarının korunması ve sürekliliği için ha-zine destekli teminat modellerinin geliştirilmesi, üretim ve pazarlama planlarının paydaşla-rın katılımı ile yapılması ve teşvik edilmesi gerektiği tespit edilmiştir.
In this study, the financing agriculture in Turkey, an important share for the sustaina-bility of agricultural production were examined, private banks that provide financing to agri-culture were examined and DenizBank case was discussed. Both technical and economic eva-luation is necessary to direct agricultural financing. Trying to meet the financing needs nee-ded by the producer with wrong credit policies which has disrupted the balance of income and expense and it was forced people to receive financial support from third parties. DenizBank which one of the private banks, closely followed the developments in the agricultural sector and it has provided technical support to the producers of the agricultural sector with the right loan models as well as a team of agricultural engineers. At the same time, Denizbank also met the increase in technological developments in the agricultural sector, the increasing financing demand of the producer in order to achieve the strongest fluctuations in input prices and the highest efficiency in the unit area. According to the results of the research, it should be ensu-red that flexible payment opportunities can be determined according to production results by credit limit, maturity, payment frequency and amount of payment in agricultural loans provi-ded by banks. Encouraging the financing of resources by organizing, Developing treasury-supported collateral models for the conservation and continuity of production areas as well as reducing the credit demand and risk premium, production and marketing plans should be ma-de and encouraged with the participation of stakeholders.
In this study, the financing agriculture in Turkey, an important share for the sustaina-bility of agricultural production were examined, private banks that provide financing to agri-culture were examined and DenizBank case was discussed. Both technical and economic eva-luation is necessary to direct agricultural financing. Trying to meet the financing needs nee-ded by the producer with wrong credit policies which has disrupted the balance of income and expense and it was forced people to receive financial support from third parties. DenizBank which one of the private banks, closely followed the developments in the agricultural sector and it has provided technical support to the producers of the agricultural sector with the right loan models as well as a team of agricultural engineers. At the same time, Denizbank also met the increase in technological developments in the agricultural sector, the increasing financing demand of the producer in order to achieve the strongest fluctuations in input prices and the highest efficiency in the unit area. According to the results of the research, it should be ensu-red that flexible payment opportunities can be determined according to production results by credit limit, maturity, payment frequency and amount of payment in agricultural loans provi-ded by banks. Encouraging the financing of resources by organizing, Developing treasury-supported collateral models for the conservation and continuity of production areas as well as reducing the credit demand and risk premium, production and marketing plans should be ma-de and encouraged with the participation of stakeholders.
Açıklama
Anahtar Kelimeler
Tarım, Finansman, Kredi, Kooperatif, Ekonomi, Agriculture, Financing, Credit, Cooperative, Economy
