Basel II kriterlerinin Türk bankacılık ve reel sektör firmaları üzerindeki olası etkileri
Küçük Resim Yok
Tarih
2006
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Maltepe Üniversitesi, Sosyal Bilimler Enstitüsü
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
1990 sonrası dönemde yasanan finansal krizler, finansal kurumların gözetiminin önemini ve bu gözetim sürecinde düzenleyici-denetleyici otoritelerin ve piyasaların daha aktif ve etkin rol almaları gerekliligini açıkça ortaya çıkarmıstır. Uluslararası faaliyet gösteren büyük bankalar risklerini daha iyi ölçebilmek ve yönetebilmek için finans teorisini ve istatistiki modelleme tekniklerini birlikte kullanmak suretiyle yeni yaklasımların öncüsü olmustur. Gelismis ülkelerin otoriteleri ise, finans alanında olusan bu gelismelerin gerisinde kalmamak ve küresel finans sektörünün istikrarlı olmasını saglamak amacıyla Basel-II'nin önünü açmıs bulunmaktadır. Mevcut sermaye yeterliligi düzenlemesi (Basel-I), risklere fazla duyarlı olmaması ve daha karmasık yaklasımların uluslararası düzeyde faaliyet gösteren bankalar tarafından halihazırda kullanılıyor olması dolayısıyla yetersiz kalmıs, ancak Yeni Uzlası'nın (Basel-II) ortaya çıkmasına yardımcı olmustur. Basel-II Uzlasısı'nda kredi ve piyasa riskleri ile operasyonel riske iliskin olarak Basel-I'e kıyasla kapsamlı ve riske duyarlı ölçüm yöntemleri benimsenmis bulunmaktadır. Yeni Uzlasının, orta ve uzun vadede küresel ekonomik düzen üzerinde bir dizi etki yaratması muhtemeldir. Böylesi kapsamlı ve teknik metnin kuskusuz basta bankalar olmak üzere pek çok kesimde etkilerinin olması beklenmektedir. Bu kesimler içerisinde en çok tartısılanlardan biri de KOB'lerdir. Bunda KOB'lerin ülke ekonomilerindeki kritik konumları ve Basel II ile birlikte getirilecek sıkı kurallara uyumları konusunda yasayabilecekleri problemler etkili olmustur. Bu çalısma Türkiye'de Basel II uygulamalarının etkilerinin neler olabilecegi sorusunu cevaplamaya çalısmaktadır.
Financial crises experienced in the period after 1990 have revealed the importance of monitoring of financial institutions and that regulatory and supervisory authorities and markets should have more active and effective role in this monitoring process. Internationally operating large banks are the pioneers of new approaches with a view to measure and manage risks better by using finance theory and statistical modeling techniques. Banking authorities of developed countries have paved the way towards Basel-II with the aim of not lagging the developments in this field and ensuring the stability of the global financial system. Current capital adequacy regulation, Basel-I, is being insufficient because of the fact that it is less sensitive to risks and more sophisticated methods have been already in use by large banks. Nevertheless, current accord has led to the emergence of Basel-II. Basel-II has adopted a more comprehensive and sensitive methodology for addressing risks, mainly credit and a new type of risk, operational risk. New Accord has more extensive objectives than those of the current accord. It is likely that the new accord may have a lot of implications on global financial sector in the medium and long run. In order to adapt the new accord, international and national banks will need to approach to risk management in a more sophisticated manner, which in turn may have some effects on international borrowing and domestic credit markets of developing countries especially. This type of comprehensive and technical text is undoubtedly expected to have considerable impacts on many sectors, primarily banking sector. SMEs are one of most controversial ones among them. This is mostly due to their critical positions in the national economies and the problems they may face implementation of very strict rules of Basel II. This study tries to answer the question what the possible impacts of applying Basel II in Turkey may be.
Financial crises experienced in the period after 1990 have revealed the importance of monitoring of financial institutions and that regulatory and supervisory authorities and markets should have more active and effective role in this monitoring process. Internationally operating large banks are the pioneers of new approaches with a view to measure and manage risks better by using finance theory and statistical modeling techniques. Banking authorities of developed countries have paved the way towards Basel-II with the aim of not lagging the developments in this field and ensuring the stability of the global financial system. Current capital adequacy regulation, Basel-I, is being insufficient because of the fact that it is less sensitive to risks and more sophisticated methods have been already in use by large banks. Nevertheless, current accord has led to the emergence of Basel-II. Basel-II has adopted a more comprehensive and sensitive methodology for addressing risks, mainly credit and a new type of risk, operational risk. New Accord has more extensive objectives than those of the current accord. It is likely that the new accord may have a lot of implications on global financial sector in the medium and long run. In order to adapt the new accord, international and national banks will need to approach to risk management in a more sophisticated manner, which in turn may have some effects on international borrowing and domestic credit markets of developing countries especially. This type of comprehensive and technical text is undoubtedly expected to have considerable impacts on many sectors, primarily banking sector. SMEs are one of most controversial ones among them. This is mostly due to their critical positions in the national economies and the problems they may face implementation of very strict rules of Basel II. This study tries to answer the question what the possible impacts of applying Basel II in Turkey may be.
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Künye
Gürleyendağ, S. (2006). Basel II kriterlerinin Türk bankacılık ve reel sektör firmaları üzerindeki olası etkileri / Possible impacts of the application of the basel II accord on the Turkish banking and the real sector (Yayımlanmamış Yüksek Lisans Tezi). Maltepe Üniversitesi, Sosyal Bilimler Enstitüsü, İstanbul.
