Olumsuz Ekonomik Dönemlerde Bankaların Kredilendirme Davranışlarının Analizi: 2008 - 2016 Dönemi Türk Bankacılık Sisteminde Bir Uygulama
Analysis Bank Loans Behaviour in Negative Economic Periods: A Case Study in Turkish Banking System 2008-2016

Summary/Abstract: Banking sector plays an important role in Turkish economy, representing 80% of the financial sector and being a critical component of resource allocation. The lending policies of the banks are particularly important in terms of general robustness of the banking sector along with goverment planning and policy making. In this perspect, the lending policies of banks in Turkey during negative economic periods are studied using dynamic panel data analysis. The results indicate that with respect to the dependent variable, total change in loans, independent variables Total Credits/Total Assets ratio and total assets are statistically significant in terms of the highest significance level (P=0.000). The coefficents of Total Assets and Total Credit/Total Assets ratio are calculated as respectively 2,72% and 0.0004289; at significance level ROA (P=0.000) -0,001448; at significance level GSYH (P=0.008) 0.0089913; at significance level Liquid Assets/Total Assets (P=0.008) 0.0001132; at significance level SYO (P=0.078) 0.004535, indicating an effect on total loans.

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