The aim of this study is to find out the effects of Basel Criteria on the banking system and SMEs, and how much they are known by the bankers and accounting experts who are the actors of the financial system. In this research, firstly, the role of Basel Criteria of SMEs in Turkey in the crediting process, the collateral structure and the credit pricing processes in the lending stage were examined. In the second part, a survey was conducted with 69 experts (bankers and accountants) who are experts in their fields about the extent to which they create awareness about the benefits of these effects, and the results were analyzed. In the study, it is explained why the BIS and Basel Criteria are needed, how they emerged, why and how banks try to secure themselves. It has been explained how SMEs in Turkey are affected by these regulations and how they should create a collateral structure especially for bank loans, and which issues are taken into account by banks in loan pricing during the loan utilization phase. In this context, Basel 1, Basel 2, Basel 3 were examined in detail. In addition, SMEs in Turkey have been examined in general terms. In the last part, the survey questions and the results were tried to be interpreted with frequency analysis using the statistical program SPSS. According to the analysis; It has been concluded that the Basel Criteria are extremely important and effective for SMEs in the Turkish Banking System.
Eser Adı (dc.title) | A research on the effects of basel criteria on sme’s and awareness of this effect by Turkish financial professionals in the Turkish banking system |
Yazar [Asıl] (dc.creator.author) | Sapankaya, Aysel |
Yazar Departmanı (dc.creator.department) | Yeditepe University Graduate School of Social Sciences |
Yazar Departmanı (dc.creator.department) | Yeditepe University Graduate School of Social Sciences Master’s Program in Business Administration |
Yayın Tarihi (dc.date.issued) | 2023 |
Yayın Turu [Akademik] (dc.type) | preprint |
Yayın Türü [Ortam] (dc.format) | application/pdf |
Konu Başlıkları [Genel] (dc.subject) | Basel Criteria |
Konu Başlıkları [Genel] (dc.subject) | BIS |
Konu Başlıkları [Genel] (dc.subject) | Credit |
Konu Başlıkları [Genel] (dc.subject) | SME |
Konu Başlıkları [Genel] (dc.subject) | SME Banking |
Konu Başlıkları [Genel] (dc.subject) | SPSS |
Yayıncı (dc.publisher) | Yeditepe University Academic and Open Access Information System |
Dil (dc.language.iso) | eng |
Özet Bilgisi (dc.description.abstract) | The aim of this study is to find out the effects of Basel Criteria on the banking system and SMEs, and how much they are known by the bankers and accounting experts who are the actors of the financial system. In this research, firstly, the role of Basel Criteria of SMEs in Turkey in the crediting process, the collateral structure and the credit pricing processes in the lending stage were examined. In the second part, a survey was conducted with 69 experts (bankers and accountants) who are experts in their fields about the extent to which they create awareness about the benefits of these effects, and the results were analyzed. In the study, it is explained why the BIS and Basel Criteria are needed, how they emerged, why and how banks try to secure themselves. It has been explained how SMEs in Turkey are affected by these regulations and how they should create a collateral structure especially for bank loans, and which issues are taken into account by banks in loan pricing during the loan utilization phase. In this context, Basel 1, Basel 2, Basel 3 were examined in detail. In addition, SMEs in Turkey have been examined in general terms. In the last part, the survey questions and the results were tried to be interpreted with frequency analysis using the statistical program SPSS. According to the analysis; It has been concluded that the Basel Criteria are extremely important and effective for SMEs in the Turkish Banking System. |
Kayıt Giriş Tarihi (dc.date.accessioned) | 2024-01-15 |
Açık Erişim Tarihi (dc.date.available) | 2024-01-15 |
Haklar (dc.rights) | Yeditepe University Academic and Open Access Information System |
Erişim Hakkı (dc.rights.access) | Open Access |
Telif Hakkı (dc.rights.holder) | Unless otherwise stated, copyrights belong to Yeditepe University. Usage permissions are specified in the Open Access System, and "InC-NC/1.0" and "by-nc-nd/4.0" are as stated. |
Telif Hakkı Url (dc.rights.uri) | http://creativecommons.org/licenses/by-nc-nd/4.0 |
Telif Hakkı Url (dc.rights.uri) | https://rightsstatements.org/page/InC-NC/1.0/?language=en |
Açıklama [Genel] (dc.description) | Final published version |
Açıklama [Not] (dc.description.note) | Note: This preprint reports new research that has not been certified by peer review and should not be used as established information without consulting multiple experts in the field. |
Tanım Koleksiyon Bilgisi (dc.description.collectioninformation) | This item is part of the preprint collection made available through Yeditepe University library. For your questions, our contact address is openaccess@yeditepe.edu.tr |
Yazar [KatkıdaBulunan] (dc.contributor.author) | Kaya, Can Tansel |
Yazar [KatkıdaBulunan] Kurum (dc.contributor.institution) | Yeditepe University Graduate School of Social Sciences |
Yazar [KatkıdaBulunan] Kurum (dc.contributor.institution) | Yeditepe University Graduate School of Social Sciences Business Administration |
Yazar Katkı Sağlayan OrcID (dc.contributor.authorOrcid) | 0000-0002-2177-4932 |
Tek Biçim Adres (dc.identifier.uri) | https://hdl.handle.net/20.500.11831/8146 |