Dış Ticaretin Gelişimi Açısından Bankacılık Sektörünün Önemi: Türkiye Örneği
The Importance of the Banking Sector for the Development of Foreign Trade: The Case of Turkey

Summary/Abstract: Today, foreign trade transactions face some problems arising from a lack of trust and legal regulations that differ from one country to another. Banks and bank guarantees in the banking system play an extremely important role in solving such problems. The banking sector plays a vital role, especially in ensuring regularity in payments related to commercial activities and creating an environment of trust regarding payments between exporter and importer parties. In this study, various analyzes were made using econometric methods using the data obtained from the TCMB and TUIK and within the framework of these analyzes, it is aimed to reveal the effects of loans on foreign trade and the effects of developments in foreign trade on loans. As a result of the analyzes made in this study, from exports to total loans, at the 5% significance level; From imports to total loans, a 10% significance level of causality has been determined. Causality could not be determined from total loans to exports and imports. Therefore, it is seen that an increase in foreign trade volume affects total loans. Regression analysis was carried out to determine the direction in which foreign trade affects total loans. According to the regression analysis, the increase in exports reduces total loans. Thanks to exports, money is inflow into the country, which leads to a decrease in total credit demand. In the regression analysis, it is seen that an increase in imports increases total loans. However, since the coefficient is insignificant, it is possible to say that there is no significant relationship between the two variables. This study contains important information about the importance of banks in terms of the development of foreign trade and differs from other studies due to this feature.

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